Study USA Insurance for International students and US students

Study USA image BUY ONLINE QUOTES   BROCHURE        CLAIMS          REVIEWS            PPO                PROS               CONS       
Study USA insurance is an ideal medical insurance for International students pursuing their studies outside their home country (F1 visa in the USA). The medical insurance coverage of Study USA meets the requirements stipulated by the US Department of State, immigration & Naturalization Services and NAFSA. Study USA insurance is widely accepted by American universities and is very popular with international students. It is administered by Travel Insurance Services

Benefits Study USA Standard Study USA Preferred
Pre-existing Conditions Waiting Period 12 months 06 months
Certificate Period Maximum (including all benefits) $250,000 per member $300,000 per member
Deductible - Claims incurred inside the PPO $50 per incident for expenses occurred within the PPO network or if treatment is from a Student Health Center $50 per incident for expenses occurred within the PPO network or if treatment is from a Student Health Center
Deductible - Claims incurred outside PPO Network $150 per incident for expenses occurred outside of the PPO network $150 per incident for expenses occurred outside of the PPO network
ER Deductible $250 per incident unless admitted as inpatient $250 per incident unless admitted as inpatient
Coinsurance – Claims incurred within PPO Network 80% of Eligible Expenses after the Deductible up to $25,000, then 100% up to the Certificate Period Maximum 80% of Eligible Expenses after the Deductible up to $25,000, then 100% up to the Certificate Period Maximum
Coinsurance – Claims incurred outside PPO Network 70% of Eligible Expenses after the Deductible up to $25,000, then 100% up to the Certificate Period Maximum 70% of Eligible Expenses after the Deductible up to $25,000, then 100% up to the Certificate Period Maximum
Hospital Room and Board Average Semi-Private room rate, including nursing services Average Semi-Private room rate, including nursing services
Local Ambulance $350 per Injury or Illness, when covered Illness or Injury results in Inpatient hospitalization $350 per Injury or Illness, when covered Illness or Injury results in Inpatient hospitalization
Intensive Care Unit Usual, Reasonable and Customary charges Usual, Reasonable and Customary charges
Hospital Pre-certification Penalty 50% of Eligible Medical Expenses 50% of Eligible Medical Expenses
Outpatient Treatment Usual, Reasonable and Customary charges Usual, Reasonable and Customary charges
Outpatient Prescription Drugs $10 copay for generic drugs
$20 copay for brand name
$10 copay for generic drugs
$20 copay for brand name
Maternity Care for a Covered Pregnancy Usual, Reasonable and Customary charges Usual, Reasonable and Customary charges
Routine Nursery Care of Newborn $750 Maximum per Certificate Period $750 Maximum per Certificate Period
Therapeutic Termination of Pregnancy $500 Maximum per Certificate Period $500 Maximum per Certificate Period
Wellness 100% of one Routine Physical Exam per member per Certificate Period(not subject to Deductible) 100% of one Routine Physical Exam per member per Certificate Period(not subject to Deductible)
Physical Therapy and Chiropractic Care Maximum $50 per visit per day

Must be ordered in advance by a Physician and not obtained at a Student Health Center.
Maximum $50 per visit per day

Must be ordered in advance by a Physician and not obtained at a Student Health Center.
Intercollegiate Interscholastic, Intramural or club sports $5,000 maximum per injury or illness.
Medical Expenses Only
$5,000 maximum per injury or illness.
Medical Expenses Only
Mental Health Disorders 90% of Usual, Reasonable and Customary Charges up to $10,000 for outpatient and/or inpatient treatment of Mental Health Disorders

Treatment must not be provided at a Student Health Center
90% of Usual, Reasonable and Customary Charges up to $10,000 for outpatient and/or inpatient treatment of Mental Health Disorders

Treatment must not be provided at a Student Health Center
Dental Treatment due to Accident $1,000 Maximum per Certificate Period $1,000 Maximum per Certificate Period
Alcohol & Substance Abuse Related Injuries Usual, Reasonable, and Customary charges Usual, Reasonable, and Customary charges
Emergency Medical Evacuation $500,000 Maximum Lifetime per Member
Not subject to Deductible or Coinsurance
$500,000 Maximum Lifetime per Member
Not subject to Deductible or Coinsurance
Repatriation of Remains $100,000 Maximum Lifetime per Member
Not subject to Deductible or Coinsurance
$100,000 Maximum Lifetime per Member
Not subject to Deductible or Coinsurance
Emergency Reunion $2,500 Lifetime Maximum for up to 15 days
Not subject to deductible or coinsurance
$2,500 Lifetime Maximum for up to 15 days
Not subject to deductible or coinsurance
Terrorism $50,000 Maximum Lifetime Limit
Eligible Medical Expenses only
$50,000 Maximum Lifetime Limit
Eligible Medical Expenses only
Accidental Death and Dismemberment $25,000 lifetime maximum
Not subject to Deductible or Coinsurance
Death - Principal Sum
Loss of 2 Limbs - Principal Sum
Loss of 1 Limb - One half Principal Sum
$25,000 lifetime maximum
Not subject to Deductible or Coinsurance
Death - Principal Sum
Loss of 2 Limbs - Principal Sum
Loss of 1 Limb - One half Principal Sum

NRIOL.COM, the premier online community since 1997 for the Indian immigrant community provides a range of resourceful services for immigrants and visitors in America.

Contact Us

NRI Online Pvt. Ltd.

Phone : 877 340 7910

Email: