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Student Health Advantage - Platinum

Comprehensive | A- (Excellent) | IMG

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COVID-19 Included

Medical Coverage During Travel

Cancelable & Renewable

After the deductible, plan pays 90% of eligible medical expenses up to $1,000, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum

For J1, M1, F1 or A1 visa holders

For ages 31 days old to 64 years

Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time

Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone

Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal

Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date

Meets student visa requirements

Extendable for up to 365 days

Plan can be purchased after arrival at the destination

Not Available for the following Destination Countries:: Congo, The Democratic Republic of, South Sudan, Uganda

Plan Brochure | Description of Coverage | Plan FAQs | See Complete Benefits

Student Health Advantage - Platinum (A.M. Best Rating: A) is a premium travel medical insurance plan for international students, scholars, and their eligible dependents studying abroad. As the highest level of coverage within the Student Health Advantage product line, it offers comprehensive medical benefits, higher coverage limits, emergency assistance, and enhanced healthcare protection throughout the covered period. Coverage is available from 5 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 90% of eligible medical expenses up to $1,000, then 100% thereafter, up to the policy maximum. Outside of the PPO network, the plan will pay 80% in eligible medical expenses, up to the policy maximum.

Student Health Advantage does not cover pre-existing conditions during the first 6 months of continuous coverage. Coverage may become available after 6 months of continuous enrollment, subject to policy terms and conditions.

Review the Student Health Advantage - Platinum policy documents for complete coverage details, exclusions, and limitations.

Eligible Medical Expenses

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Pre-Existing Conditions

6 m waiting period. 90% of first $1,000, 100% thereafter

Acute onset Pre-Existing Condition

No Coverage

Dr. / Physician Visit

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Urgent Care

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to Policy Maximum

Surgical Treatment

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Prescription Drugs / Medicines

In-Network

After deductible, 90 % of first $1,000, 100% thereafter

Out-Network

After deductible, 80%

Lab & X-rays

Out-Network

80% up to Policy Maximum

Hospital Room and Board

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Dr. / Physician Visit

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Surgical Treatment

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Ambulance Expenses

In-Network

Up to $750

Out-Network

Up to $750

Emergency Room

In-Network

90% of first $1,000, 100% thereafter

Out-Network

80% up to policy maximum

Dental Emergency

Up to $350

US Border Entry Protection

Not covered

Emergency Medical Evacuation / Repatriation

Up to $500,000

Return of Mortal Remains

Up to $50,000

Trip Interruption

No Coverage

Trip Delay

No coverage

Lost Luggage

No coverage

Terrorism

Up to $50,000

Personal Liability

Up to Combined Maximum Limit: $10,000

Injury to Third Person:
• Per Injury Deductible: $100

Damage to Third Person’s property:
• Per damage Deductible: $100

Identity Theft

No coverage

Legal Fees

No coverage

Lost or Stolen Passport

No coverage

Missed Connection

No coverage

COVID-19 Medical Coverage

This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.

COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date

COVID-19 Vaccine/Booster

No Coverage

COVID-19 Quarantine Coverage

No Coverage

Plan Administrator Company

IMG

Carrier / Underwriter

SiriusPoint Speciality Insurance Corporation

AM Best Rating

A- (Excellent)