Student Health Insurance FAQs

Eligibility criteria for buying International Student Medical Insurance

Foreign students studying in the U.S. under age 55 who have a valid visa status in the U.S. and are registered and engaged in academic activities at a US school, college or university.

U.S. registered students studying outside the U.S. under age 55 who are registered with a U.S. school, college or university and engaged in academic activities abroad (excluding home country).

For any plan specific eligibility criteria, please refer to the student medical insurance plan brochure.

Many plan choices available for dependents of student’s also

Yes. Dependents (spouse and/or child under age 18) of enrolled students may apply for insurance with the student, or within 31 days of birth, legal adoption, marriage or arrival in country of study.

If your dependents are not eligible for international student insurance, they may enroll in one of our other plans such as visitors insurance for people outside their home country.

International student insurance plans cover students outside their home country

Yes. You may purchase Student insurance regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements described earlier.

ID cards and proof of insurance is instantly emailed

Yes. After your enrollment is processed, your Certificate of Insurance will be mailed to the mailing address you specified while enrolling.

Also, an online proof of purchase will be instantly emailed to on completing the insurance purchase online.

Policy is active on the coverage effective date

The coverage will come into effect as early as the following day after you complete your enrollment online, provided you correctly complete your Online Enrollment and correct payment is received.

My school requires an Insurance Compliance Form or a Waiver Form to be completed as proof of my insurance. Can you complete this form for me?

You should first purchase the international student health insurance. After your purchase (enrollment) is complete, simply scan and email your school’s compliance or waiver form to us. We will forward the same to insurance plan administrator who will complete and send it back to your school for you.

Renew the policy to extend coverage expiry dates

Yes, as long as you continue to fulfill the eligibility requirements for the plan as listed in the insurance brochure. Send the appropriate premium with another completed enrollment form within 30 days following the end of the first coverage period to avoid a lapse in coverage. Alternately, you may complete and return a renewal form that will be mailed to you one month prior to your current certificate expiration date.

Go to any doctor or hospital, or use school’s Student Health Center or a preferred provider

For Foreign Students Studying in USA: You may choose any of these. If you choose choose to be seen at your Student Health Center when it is equipped to treat your condition, you will receive the in-network benefit and also your deductible for such incidents will be waived. For other incidents, if you use a doctor or hospital in Study USA-HealthCare’s large preferred provider PPO network, you will pay a lower deductible and reach your plan limits more slowly than if you go outside the network.

For US Students Studying Abroad: Outside the U.S., Study USA-HealthCare does not have a Preferred Provider Network. You may choose to be seen at the Student Health Center or at another doctor or hospital and receive the in-network benefit. If you go to the Student Health center when it is equipped to treat your condition, your deductible for such incidents will be waived. You may also use any doctor or hospital of your choice. The Emergency Assistance Company can help you locate a doctor or hospital in the country where you are studying.

The popular student health insurance plan – Study USA-HealthCare or Study USA Insurance is renewable up to a total of 48 months.

Is a network provider located in my area?

Most of the student medical insurance plans have a very exhaustive list of care givers such as doctors, hospitals, laboratories, emergency rooms, urgent care, etc within their network.

You can search all PPO providers in the network available under the PPO provider link on the insurance customer care page.

In-Network coverage if there are no Network providers in area

With the popular Study USA Insurance which uses the MultiPlan network, if there is no MultiPlan provider qualified to provide the care needed within a 50 mile radius of your residence, you may choose to be treated outside the Network by a non-MultiPlan provider. In this situation, benefits will be paid at in-network level.

Other international student health insurance plans have similar guidelines, please refer to the insurance brochure for the specific plan for exact details pertaining to this.

Study USA-HealthCare policy covers outside your home country

Yes. Study USA-HealthCare covers the student insured worldwide, except in your home country of permanent residence, as long as you fulfill one of the eligibility requirements as described in the plan brochure.

Refer to the Study USA-HealthCare plan brochure

Pre-existing conditions are defined by the policy as “an injury, 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 12 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 12 months following the effective date of coverage under this program unless stipulated by State or Federal regulation. A Covered Person must be continuously insured. The maximum amount payable for a Pre-existing condition is $10,000.” See Study USA-HealthCare’s complete list of exclusions available in the plan brochure.

Study USA Insurance offers pregnancy coverage

Yes, Study USA Insurance plan covers the pregnancy of an insured student or enrolled dependent spouse, if the pregnancy begins or conception happens during the active coverage period.

The Study USA Insurance plan however does not cover the pregnancy of a dependent child.

Email a written request for plan changes

Please send any corrections to us in writing by email, and we will the same to the plan administrator who will confirm the changes. When sending correspondence, please include a daytime phone number and reference your online order or transaction number.

Need info on any other international student medical or health insurance plans, please contact us.

Example questions:

How does the Student Secure Select medical Insurance satisfy the needs of students?
If I apply for an insurance plan from your site, am I obligated to buy?
As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?
Who can purchase the Student select health insurance?
Can I purchase student insurance for family members (spouse and dependents)?
Are there any network coverage limitations?
Do I need authorization for availing healthcare services?
Does the student insurance provide coverage throughout the year, or just during the school term?
Will I be covered when I go out of state?
What happens if I transfer schools?
Will I lose coverage when I graduate or if I leave school?
When should I apply for student insurance?
When does my coverage begin?
How many times can the insurance plan be renewed?