Compare Study USA and Student Secure Budget plans with various maximum coverage limits & deductibles. We have provided a friendly insurance compare facility where you can compare these policies, download plan brochures, obtain online quotes and also purchase plans.
| Brochure and Details link | |
| Coronavirus coverage | |
| Covers coronavirus sickness medical expenses (Plus, Preferred and Platinum plans ONLY). | Covers coronavirus medical expenses arising from Covid illness |
| Coinsurance - Claims Incurred Inside the U.S | |
| Basic plan: IN NETWORK: 80% after deductible, up to overall maximum limit; OUT OF NETWORK: Plan pays 100% Standard , Preferred and Platinum plans: IN NETWORK: 80% after deductible, then overall maximum limit; OUT OF NETWORK: Plan pays 100% |
Within PPO: The plan pays 80% of the next $25,000 of eligible expenses after deductible, then 100% to the overall maximum limit.; Outside PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
| Coinsurance - Claims Incurred outside the U.S | |
| Plan pays 100% | After the deductible, 100% of eligible expenses to the certificate period maximum. |
| Local Ambulance | |
| Basic plan: $300 per injury or illness Standard, Preferred and Platinum plans: $350 per injury or illness. |
Up to $500 per injury / illness if hospitalized as inpatient |
| Prescription Drugs | |
| Basic plan: 50% of actual charges Standard plan: $30 deductible for generic drugs, $100 deductible for brand name Preferred plan: $15 deductible for generic drugs, $50 deductible for brand name Platinum plan: $15 deductible for generic drugs, $30 deductible for brand name. |
50% of actual charge |
| Dental Treatment - Due to Accident | |
| Basic and Standard plans: Not Available. Preferred and platinum plan: Up to $1,000 maximum per certificate period. |
$250 maximum per tooth; $500 maximum per certificate period |
| Dental Treatment - Sudden Pain | |
| Basic and Standard plans: Not Available. Preferred and platinum plan: Up to $100 to alleviate pain. |
Up to $100 for acute onset of pain |
| Maternity | |
| Standard, Preferred and Platinum plan: IN PPO NETWORK: 80% of eligible expenses; OUT OF PPO NETWORK: Up to the overall maximum. Outside US: 100% coinsurance up to overall maximum. |
Up to $5,000 for covered pregnancy |
| Terrorism | |
| Basic and Standard Plans:Not Available Preferred and Platinum Plans:Up to $50,000 lifetime maximum. |
$50,000 maximum lifetime limit |
| Intercollegiate, interscholastic, intramural or club sports | |
| Basic, Preferred and Standard plan: Not Available. Platinum plan: Optional Buy-Up: $10,000. |
$3,000 maximum per injury / illness Medical expenses only |
| Emergency Medical Evacuation | |
| Basic plan:$50,000 lifetime maximum Standard plan:$250,000 lifetime maximum Preferred and Platinum plans:$500,000 lifetime maximum. |
Up to $250,000 lifetime maximum |
| Repatriation of Remains | |
| Basic, Preferred and Standard plan:$25,000 lifetime maximum Platinum Plan:Up to $50,000 lifetime maximum. |
$25,000 lifetime maximum. |
| Accidental Death and Dismemberment | |
| Basic plan:Not Available Standard plan:Up to $5,000 lifetime maximum Preferres and Platinum plans:Up to $25,000 lifetime maximum. |
No Coverage |
| Pre-existing condition coverage | |
| Pre-Exisiting Condition Waiting Period - Basic plan: No benefit Standard plan: 12 months, $500 maximum per certificate period. Preferred plan: 12 months waiting period Preferred plan: 6 months waiting period |
Covered after 12 months of waiting period |
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