As an international student exchange student going to the US, Ankur Gupta could not understand the insistence on medical insurance for his short/brief 4-week stay in the US. It was annoying him-what could possibly go wrong in 4 weeks, after all?
He had his answer eventually. One morning in the US, he woke up with a massive nose bleed and had to be rushed to the intensive care unit. That's when the Study USA Insurance plan he had purchased showed him what it meant to be covered-his stay at the intensive care unit would cost $500 a day, but he had to pay none of it, thanks to the plan.
Study USA insurance, a medical insurance plan for international students enrolled in colleges in the US, provides coverage for medical expenses, emergency evacuation, and repatriation of mortal remains in the case of death. The Study USA Health Insurance plan is also available for US citizens studying abroad. The person being insured can choose a medical expense limit of either $250,000 or $300,000.
Students with a valid study visa below 65 years of age are eligible to purchase the Study USA health insurance plan. The premiums for this plan range from $45 per month to $349 per month for various age groups. Spouses and children of the insured persons are also eligible for cover, at an additional premium.
For protection against conditions that appear during the effective period of the plan, people can get continuous insurance. Among expenses covered by the plan are those associated with stay in a hospital or intensive care unit, medical examinations for diagnosis, surgery and physiotherapy required to address illness or injury contracted after the plan effective date, and so on.
Additionally, the plan provides $300 a day for hospital room charges and $500 a day for ICU charges. To get this coverage without sub-limits per day, the insured person can upgrade to the Study USA Preferred Health Insurance plan. Expenses for treatment of pre-existing conditions are covered after a waiting period of 6 months. Pregnancy coverage is also included.
The insured person is also eligible for medical evacuation cover of $500,000 and repatriation cover of $100,000. In addition, the insured person can claim $250 per day for outpatient surgery. Expenses for prescription drugs and treatment of mental or nervous disorders and alcohol and substance abuse are also covered by the insurance plan. In the case of accidental death or dismemberment of the insured person, the insurance provider is liable to pay a $5,000 benefit.
The Study USA Insurance plan does not cover cost of eyeglasses, contact lenses, and hearing aids and treatment of injuries resulting from participation in riots. Treatment for congenital conditions is not reimbursable.
He had his answer eventually. One morning in the US, he woke up with a massive nose bleed and had to be rushed to the intensive care unit. That's when the Study USA Insurance plan he had purchased showed him what it meant to be covered-his stay at the intensive care unit would cost $500 a day, but he had to pay none of it, thanks to the plan.
Study USA insurance, a medical insurance plan for international students enrolled in colleges in the US, provides coverage for medical expenses, emergency evacuation, and repatriation of mortal remains in the case of death. The Study USA Health Insurance plan is also available for US citizens studying abroad. The person being insured can choose a medical expense limit of either $250,000 or $300,000.
Students with a valid study visa below 65 years of age are eligible to purchase the Study USA health insurance plan. The premiums for this plan range from $45 per month to $349 per month for various age groups. Spouses and children of the insured persons are also eligible for cover, at an additional premium.
For protection against conditions that appear during the effective period of the plan, people can get continuous insurance. Among expenses covered by the plan are those associated with stay in a hospital or intensive care unit, medical examinations for diagnosis, surgery and physiotherapy required to address illness or injury contracted after the plan effective date, and so on.
Additionally, the plan provides $300 a day for hospital room charges and $500 a day for ICU charges. To get this coverage without sub-limits per day, the insured person can upgrade to the Study USA Preferred Health Insurance plan. Expenses for treatment of pre-existing conditions are covered after a waiting period of 6 months. Pregnancy coverage is also included.
The insured person is also eligible for medical evacuation cover of $500,000 and repatriation cover of $100,000. In addition, the insured person can claim $250 per day for outpatient surgery. Expenses for prescription drugs and treatment of mental or nervous disorders and alcohol and substance abuse are also covered by the insurance plan. In the case of accidental death or dismemberment of the insured person, the insurance provider is liable to pay a $5,000 benefit.
The Study USA Insurance plan does not cover cost of eyeglasses, contact lenses, and hearing aids and treatment of injuries resulting from participation in riots. Treatment for congenital conditions is not reimbursable.
About the Author:
Jon Hendricks frequently writes about travel and travel insurance. Learn more at Study USA Insurance
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