Study USA Insurance, Medical Insurance reviews and experiences for International students and US students

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Study USA Insurance - Benefits

Eligibility

• The Master Policy Effective Date;
• The Date indicated on the Enrollment Form; or,
• The date the completed Enrollment Form and premium are received by the Program Administrator.

• The last day for which premium was paid;
• the date you cease to be eligible for this insurance; or,
• The date the Master Policy terminates.

Plan Benefits:

• Full medical coverage with a per incident maximum up to $250,000.
• Pre-notification assistance to locate PPO facilities;
• Emergency Medical Evacuation coverage of $30,000 per person per policy period;
• Mental or Nervous Disorders/alcohol & Substance Abuse coverage up to $5,000;
• Repatriation of Remains;
• Emergency Medical Reunion;
• Accidental Death and Dismemberment with options up to $10,000;
• Emergency travelers assistance

Study USA Insurance - Exclusions

• Pre-Existing Conditions. A Pre-Existing Condition is defined as any injury or illness or condition which was contracted or which first manifested itself, or for which a licensed physician was consulted, or for which treatment or medication was prescribed, within 6 months prior to the effective date of the Covered Person's coverage under this Program. Pre-Existing Conditions shall be excluded from coverage for a period of 6 months following the effective date of coverage under this program, unless stipulated by State or Federal Regulation. A Covered Person must be continuously insured. Conception of pregnancy must occur after the effective date of the Covered Person's coverage.
• Expenses in excess of Usual, Reasonable and Customary Charges.
• Services normally provided without charge by the College's health service, infirmary, or Hospital, or by health care providers employed by the College; or for any expenses for services rendered elsewhere which are available at the Student Health Service, infirmary, or hospital except in cases of Medical Emergency.
• Eyeglasses, contact lenses, hearing aids, or prescriptions, examinations thereof, radical keratotomy or laser eye surgery to correct vision impairment.
• Injury due to participation in a riot.
• Accident occurring in consequence of riding as a passenger or otherwise in any vehicle or devise for aerial navigation, except as a fare paying passenger in an aircraft, operated by a scheduled airline maintaining regular published schedules on a regularly established route.
• Injury sustained or Illness contracted while in the service of the Armed Forces of any country.
• Treatment of mental or nervous disorders, except as specifically provided.
• Elective treatment or elective surgery, except as specifically provided.
• Treatment provided in a government hospital unless there is a legal obligation to pay such charges in the absence of insurance.
• Expenses incurred after the date of insurance termination for a Covered Person.
• Congenital conditions, except as specifically provided for newborn infants.
• Expenses incurred for services or supplies which are experimental or investigative in nature, including the treatment, procedure, facility, equipment, drug usage, device or supplies.
• Professional services rendered by a member of the Covered Person's family or anyone who lives with the Covered Person.
• Expenses incurred for services and supplies not (a) medically necessary for the diagnosis or treatment of any Injury or Illness and (b) recommended by the attending Physician.
• Routine physicals other than hospital nursery expense of a newborn baby.
• Dental care, except as the result of injury to natural teeth caused by accident; any treatment identified as Temporomandibular Joint Dysfunction (TMJ).
• Expenses incurred in connection with weak, strained or flat feet, corns, calluses, bunions, or toenails.
• Expenses incurred for plastic or cosmetic surgery unless they result directly from an injury that necessitated medical treatment within 24 hours of the accident.
• Expenses incurred as a result of diagnostic or surgical procedures in connection with infertility unless caused by an Injury or Illness.
• Expenses incurred in connection with birth control, sterilization, or sterilization reversal, including surgical procedures and devices.
• Expenses covered under any occupational benefit policy, Workers' Compensation Act or similar law, automobile medical payments or no-fault plans, public assistance programs, government plan or any other valid and collectible insurance.
• War or any act of war, whether declared or undeclared.
• Committing or attempting to commit an assault or felony, fighting or brawling, except in self-defense.
• Suicide or intentionally self-inflicted injury while sane or insane.
• Claims arising out of participation in interscholastic, intercollegiate or professional sporting events; racing; speed contests; skin diving; sky-diving; mountaineering (where ropes or guides are customarily used); para-sailing; hang gliding; bungee jumping; bob-sledding; travel on a snow mobile or ATV; any two or three wheeled motor vehicle; or private air travel including ballooning and ultra-light aircraft.
• Expenses incurred while the Covered Person is intoxicated or under the influence of any drug unless taken under the advice of a licensed Physician.
• Expenses resulting from a motor vehicle accident if the Covered Person is not properly licensed to operate the motor vehicle within the jurisdiction in which the accident takes place (this exclusion will not apply to passengers if they are insured under this Program).
• Expenses for circumcision, tubal ligation, vasectomy, breast reduction, breast implants, sexual reassignment surgery, orthognathic surgery, including mandibular retrognathia, learning disabilities, smoking cessation, hair removal, replacement or hair growth, or organ transplants.
• Pregnancy or childbirth for a dependent child of an Insured Student.
• Expenses greater than $1,000 for Injuries or Illnesses incurred in the Insured Person's Country of Permanent Residence and after 30 days from the date the Insured entered the Country of Permanent Residence.