Study USA Smart Plan

Underwriter: HCCMIS
Policy info
Plan Administrator: TIS
Carrier: HCCMIS
AM Best Rating: A(Excellent)

Study USA insurance is for students studying outside of their home country and their eligible dependents who want medical coverage.

Please review Study USA Standard Insurance Brochure brochure or policy document for complete and accurate coverage information.

All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage.

Here is a complete list of benefits of Study USA Smart Plan
Dr. / Physician Visit
After deductible is met, the plan pays 80% of the bill up to the policy maximum. The insured person would be responsible for 20% of the bill throughout the policy period
Prescription Drugs / Medicines
Covered only for out-patient prescription
50% of actual prescription cost covered.
Lab & X-rays
Covered as per the policy
Physical Therapy
Maximum $50/visit/day
Hospital Room
Average Semi Private Room Rate including Nursing Services
Ambulance Expenses
$300 /injury or illness when covered injury or illness results in inpatient hospitalization
Acute, spontaneous and unexpected pain
Not Covered
Accidental emergency
Not Covered
Emergency Medical Evacuation / Repatriation
Limit: $500,000
Return of Remains
$100,000 maximum lifetime per insured
Emergency Reunion
$2500 life time maximum for up to 15 days(not subject to deductible or co-insurance)
Return of minor Child(ren)
Not Covered
Trip Interruption
Not Covered
Loss of checked Baggage
Not Covered
$25,000 Lifetime Maximum
DeathPrincipal Sum
Loss of 2 LimbsPrincipal Sum
Loss of 1 LimbOne Half of Principal Sum
Pre-Existing Conditions
Not Covered
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
$50,000 maximum Lifetime Limit(Eligible medical expenses only)
24-Hrs Emergency Assistance
Yes Contact number and details can be found on the ID card.
The comparison of insurance plans shown below is generic and high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benifits, Limitations, and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.