FAQ

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 US Registered 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.

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.

Your child is nearing the age at which he or she can no longer be covered under your plan. This is usually around the age of 24 years however do check with your insurance company to find out the specific age limits for your current policy.

The cost savings of removing your child from your insurance plan is greater than the cost of the separate Student insurance plan. To determine if this is the case, get a quote on this website for a Student plan for your child, and then compare that to the cost savings of removing your child from your standard medical plan (you may need to contact your insurance company to determine this amount).

The HMO or PPO network for your insurance plan does not have physician or hospital coverage in the area around your child’s college.

You might not want a separate Student plan if your child has a pre-existing medical ailment. In most cases, expenses relating to pre-existing conditions will not be covered by the Student plan until the policy has been in effect for 12 months.

The student eligibility requirements are as follows. An eligible undergraduate student is defined as a person carrying at least nine credit hours. If your university follows the quarterly system, please state it in your application along with showing your satisfying the requirements for full-time student status.

An eligible graduate student must meet the graduate student guidelines of the college or university for full-time student status.

If you have a spouse who is also a full-time United States student, a separate application can be submitted for that person.

You also have the option of selecting a coverage start date up to 60 days in the future. But please note that the coverage cannot start on the 29th, 30th, or 31st of a month.

J1 Scholar (Exchange Visitor Visa) Health Insurance policy must provide “medical benefits of at least $50,000 for each accident or illness.” It means that an acceptable policy couldn’t set a maximum lower than $50,000 in benefits for each accident or illness.

If a J visa holder dies in the U.S., then the policy must provide at least $7,500 in repatriation benefits to send the remains to the home country for burial.

The deductible should not exceed $500 per accident or illness.

The co-payment of medical expenses (the portion not covered by insurance that the insured pays him or herself) should be of no more than 25%.

If, because of a serious illness or injury, you must be sent home on the advice of a doctor, the policy must pay up to $10,000 for the expenses of your travel.

J1 Scholar (Exchange Visitor Visa) Health Insurance policy may establish a waiting period before it covers pre-existing conditions (that is, health problems you had before you bought the insurance), as long as the waiting period is reasonable by current standards in the insurance business.

If you elect to satisfy the insurance requirement through a policy issued in your home country, the policy must be backed by the full faith and credit of your government. Otherwise, the company providing the insurance must meet minimum rating requirements established by Department of State (an A.M. Best rating of “A-” or better, an Insurance Solvency International, Ltd. (ISI) rating of “A-1” or better, a Standard & Poor’s Claims-Paying Ability rating of “A-” or better, or a Weiss Research, Inc. rating of “B+” or better).

These requirements apply to both J-1 students and scholars and to their J-2 dependent spouses and children.