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International Student Insurance
Insurance is one of the most important pre-departure activity for any person travelling to any other country and especially for any student whose safety and security should be of utmost importance as Insurance will act as a guardian in the foreign land. Student Cover Health Insurance plan helps you to save huge on your yearly premium, provides you all comprehensive benefits and acceptance at almost 90% of US universities
Student Cover Insurance
"Easy To Apply, Easier To Get"
Plan Key Highlighters
Plans with No Maximum Dollar limit
Benefits of Deductibles & Copays Waived at Student Health Centers
Accepted in 90% of US Universities
Plans with 100% Preventive Care Services
Plans with Pre-existing conditions coverage from Day 1
Plans with 90% Co-insurance and $5000 as Out of Pocket Maximum
Health Insurance Plans
The plans Student Cover provides are accepted in most universities in the United States. There are two main options for the students travelling abroad in respect for Insurance. They can opt for International Health & Travel Insurance from either Indian Insurance companies or International or country specific Insurance companies. But it is very important to check for the university's waiver requirements, whether the external insurance plan would be accepted in the university or not. The plans we provide from United Healthcare (International Provider) and ICICI Lombard (Indian Based provider) are listed in the below table:
| Features | SC Essential | SC Basic | SC Plus | SC Elite |
| Primum (Start From) |  $52.77/Month |
 $72.02/Month |
 $84.04/Month |
 $124.84/Month |
| Policy Maximum | $100,000 (For Each Injury Or Sickness) | $500,000 (For Each Injury Or Sickness) | No Overall Maximum Limit | No Overall Maximum Limit |
| TPA & In-Network Provider | UnitedHealthcare Student Resources UHC Option PPO | UnitedHealthcare Student Resources UHC Option PPO | UnitedHealthcare Student Resources UHC Option PPO | UnitedHealthcare Student Resources UHC Option PPO |
| Co-Insurance |
80% In-Network and 70% Out of Network |
80% In-Network and 70% Out of Network |
80% In-Network and 70% Out of Network |
90% In-Network and 70% Out of Network |
| Deductibles (Per Person Per Policy Year) |
Option 1: $150 In-Network/$500 Out of Network Option 2: $500 In-Network/$750 Out of Network |
Option 1: $100 In-Network/$500 Out of Network Option 2: $500 In-Network/$750 Out of Network |
Option 1: $100 In-Network/$500 Out of Network Option 2: $500 In-Network/$750 Out of Network Option 3: $1,500 In-Network/$2500 Out of Network Option 4: $2,000 In-Network/$3,000 Out of Network |
Option 1: $100 In-Network/$500 Out of Network Option 2: $500 In-Network/$750 Out of Network |
| Out of Pocket Maximum | Not Applicable | Not Applicable | $6,850 (In-Network Providers, Per Insured Per Policy Year) | $5,000 (In-Network Providers, Per Insured Per Policy Year) |
| Co-payments (Per Visit) |
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| Student Health Center Benefits* | Deductibles & Copays: Waived | Deductibles & Copays: Waived | Deductibles & Copays: Waived | Deductibles & Copays: Waived |
| Pre-Existing Coverage | $1000 for 1st 6 months then upto policy maximum | $1000 for 1st 6 months then upto policy maximum | Covered from Day 1 without any Limitations | Covered from Day 1 without any Limitations |
| Mental Illness & Substance Abuse Benefits | Paid as any other sickness | Paid as any other sickness | Paid as any other sickness | Paid as any other sickness |
| Repatriations & Evacuations Benefits | Unlimited | Unlimited | Unlimited | Unlimited |
| Prescriptions Drugs | Preferred Provide: No Benefits Out of Network Providers: 70% of Usual & Customary charges |
Tier 1: $20 Copays Tier 2: 30% Co-insurance Tier 3: 40% Co-insurance (Per Prescription) |
Tier 1: $15 Copays Tier 2: 30% Co-insurance Tier 3: 45% Co-insurance (Per Prescription) |
Tier 1: $15 Copays Tier 2: 30% Co-insurance Tier 3: 45% Co-insurance (Per Prescription) |
| Preventive Care Services(not Subject to Deductible) | No Benefits |
100% of Preferred Allowance $1000 Maximum (Per Policy Year) |
100% of Preferred Allowance | 100% of Preferred Allowance |
| Titers Benefits** | Preferred Allowance after Deductible | Preferred Allowance after Deductible | Preferred Allowance after Deductible | Preferred Allowance after Deductible |
| Download Flyer | Download File | Download File | Download File | Download File |
| Download Brochure | Download File | Download File | Download File | Download File |
| Apply Now | Apply Now | Apply Now | Apply Now | |
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Note: # It is always recommended to check the benefit summary and exclusions given in the brochure # Premium depends as per the age bracket: 22 & Below, 23-26, 27-30, Above – 30 # Different Plans may be accepted in the different universities, check the plans accepted in your university *The Deductible and Copays will be waived and benefits will be paid at preferred provider level of benefits when treatment is rendered at Student Health Center ** Titers Benefits include immunization for the following: Polio Virus Immune Status, Varicella-Zoster AB, IgG, Hepatitis B Surf AB, MMR, Hep B, Hep A, Tdap and Rubella |
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| Features | Gold Plus Plan | SC Gold Supreme | ||
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Premium |
(Yearly Rate) (Includes GST) |
(Yearly Rate) (Includes GST) |
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Policy Maximum |
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TPA (Third Party Administrator) |
Flack/UnitedHealthcare |
Flack/UnitedHealthcare |
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Claims Per Event/ Illness/Injury/Treatment including In-patient and Out-Patient |
Up-to the Sum Insured |
Up-to the Sum Insured |
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Deductibles (Per Treatment) |
$100 |
$100 |
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Out of Pocket Maximum, Copays, Co-insurance |
Not Applicable |
Not Applicable |
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Repatriations of Remains and Medical Evacuation |
Up-to the Sum Insured |
Up-to the Sum Insured |
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Dental Expenses |
$1,000 (Deductible $100) for all accidental injuries to sound and natural teeth |
$250 (Deductible $50) for all accidental injuries to sound and natural teeth |
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Mental Illness & Substance Abuse Benefits* |
$1,000 (Per Policy Year) |
$1,000 (Per Policy Year) |
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Intercollegiate and recreational Sports Injuries |
Up-to the Sum Insured |
Up-to the Sum Insured |
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Compassionate Visit and Study Interruption |
$7,500 |
$7,500 |
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Student Sponsor Protection |
$10,000 |
$10,000 |
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Personal Liability |
$100,000 |
$50,000 (Deductible: 5% of actual) |
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Personal Accident |
$25,000 |
$25,000 (Benefit) |
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Bail Bond |
$5,000 |
$5,000 |
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Loss of Passport & International Driving License |
$200 (Loss of international driving license not included) |
$200 (Benefit) |
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Loss of Checked-In Baggage |
Upto $1,000 |
$500 (Benefit) |
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Loss of checked in - electronic equipment |
- |
$500 |
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Damage to Baggage |
- |
$100 (Benefit) |
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Delay in Checked-in Baggage |
- |
$100 (Delay of more than 4 hours) (Benefit) |
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Missed Connection |
- |
$500 (Delay of more than 3 hours) |
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Trip Cancellation & interruption |
- |
$500 |
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| Apply Now | Apply Now | |||
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Note:
# The above plan are not accepted in all the US universities, check with us for its acceptance # The plan can be purchased for less than 1 year as well, check with us for the premium rates #Pre-existing conditions, would cover situations arising due to Life saving unforeseen emergency measures, or measures solely designed to relieve acute pain #Routine check-ups, preventive care, and cosmetic surgeries are not included in the plan #In-patient medical expenses related to pregnancy are covered to a maximum limit of US$ 500, after a waiting period of 10 months #Childcare benefits If the child is above 90 days of age, and is hospitalized for more than 2 days, for any ailment, hospital cash benefit of US$ 100 will be paid, subject to a maximum of 7 days |
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insurance terms
Co-insurance
It is the percentage ratio of every medical bill shared by insurance company and the insured(student). In most plans, the standard co-insurance ratio is 80%:20% in which 80% is covered under insurance and 20% is paid by the insured(student). ‘Co-insurance forms the major portion of the Out-of-pocket maximum limit’
Deductible
Deductible It is a pre-defined amount, paid by the insured(student) as a one-time expenses before the insurance covers for the medical expenses. It is not applicable at medical facilities where co-payment(copay) is applied.
Co-payment
It is another pre-defined amount paid by the insured(student) for each consultation or treatments at particular medical providers such as physicians, urgent care, specialists and ER. It is also applied for Prescription drugs in some plans.
Out-of-pocket maximum
Out-of-pocket maximum limit It is the maximum amount paid by an insured(student) from his/her pocket for all the medical expenses during an insurance period. Once the insured(student) reaches the mentioned ‘out-of-pocket maximum’ limit according to one medical bill or all the bills combined, the insurance covers 100% of the allowed amount for covered services. “It constitutes policy Deductible, Co-insurance portion of the insured and Copays”
Inpatient
It is used in medical care both to refer to a type of patient, or to refer to a type of care. Inpatient simply means someone who is a patient in a hospital. An inpatient is confined to the hospital for treatment. Inpatient treatment refers to in case of US healthcare as type of treatment where a hospital is assigned to the patient.
Preferred Providers
Medical providers such as Physicians, Hospitals and other health care providers who have been contracted to provide specific medical care at negotiated prices. Preferred Providers are also called In-network providers, which refer to the providers in the network or system of the Insurance company or its claims administrator. For e.g. Student Cover Insurance plans from UHCSR has UnitedHealthCare OptionsPPO (Preferred Provider Operators) as its Preferred provider network.
Preferred Allowance
It is the amount a Preferred Provider will accept as payment in full for covered medical. The difference between standard medical expenses and Preferred allowance is considered as discount in the EOB (claim explanation) document.
Non-Preferred Provider/Out of Network providers
Non-Preferred Provider/Out of Network providers are the type of providers which have not agreed to any prearranged fee schedules. Insured's may incur significant out-of-pocket expenses with these providers such as a higher deductible amount and a lesser co-insurance coverage as compared to a Preferred provider. Charges in excess of insurance payment are the insured’s(student’s) responsibility.
Network Area
The 50-mile radius around the local school campus the named insured is attending
Usual, Customary & Reasonable Charges
Usual, Customary & Reasonable Charges These are type of charges (also sometimes called UCR) are typical or standard for your region. Let's say the UCR fee (based on an accurate study of doctors' charges) for an anaesthesiologist is $500. If the insured(student) being charged $600, your insurance will pay its percentage of the $500. You'll pay anything above that percentage of the $500, plus your deductible.
Insurance Process
Contact Student Cover
- Chat with us on WhatsApp ###(whatsapp web address entered)####
- Call us on +91 9650166773 or provide your details on student form
- Give your university name, we will check for the plan acceptance and suggest you the best Health Plan
- You can also check the accepted plans by entering your details and university name on www.studentcover.in
Plan Purchasing
- If Student Cover’s UHC plans are accepted in your university you can purchase the plans from www.studentcover.in
- For UHC Plans the payment is required to be made in US Dollars and you can use your FOREX or Credit Card for making the transaction
- If Student Cover’s Indian plans are accepted in your university, then you can provide your details (Passport copy, i-20, Travel Date, Sponsor & Nominee name, Emergency Contact no and Alternate Email Address)
- For Indian plans there are 2 modes of payment, NEFT and Link payment. For NEFT payment, you will be required the send your
Registering Your Account on www.uhcsr.com
- If you have UHC Plan, you will be required to register your account on www.uhcsr.com after purchasing the plan from www.studentcover.in
- From your account on www.uhcsr.com, you will be able to download your UHC ID card
- For Indian plans you will receive all the insurance documents on your email after purchasing the insurance
Waiver Filing or Plan Acceptance in your university
- Every university in the United States, have their own set of waiver requirements.
- There can be online or offline waiver form. In the online waiver form, you will be required to file the waiver on your account given by the university to you, whereas in offline waiver, you will be required to submit hard copy of the waiver form to the university
- We will help you in filing out the waiver form and getting your policy accepted by the university
Using the Insurance, when you are sick on injured
- For using UHC plan, search for the near by preferred providers as shown in the video on this page
- Show your UHC ID card and get the treatment
- For using Indian plan, you can go to any doctor or hospital near by for the treatment and inform the company by sending them an email
- For more information check the section on “How to Claim” on this page
How to Claim
Opting for Insurance can only be complemented by appropriate use of the Insurance plan so that the insured is able to utilize the full potential of the benefits offered by the Insurance plan.Given below are the steps to use Insurance plans which students should keep handy at all times to the best out of the Insurance plans.
A. Direct Billing (When you go to a preferred provider)
Show your UHC ID Card at the doctor office
They may ask you to pay Copays as per the plan
Get yourself treated
When doctor gives Prescription
Go to the UHCP (United Healthcare Pharmacy) CVS and Walgreens are one of them
At the pharmacy show your UHC ID card (Rx Bin and PCN). They may ask you to pay Copays depending on your plan
After few days, you would find explanations of benefits (EOB) for your doctor’s visit in your account on www.uhcsr.com
B. Getting the Reimbursements
Documents Required
- Itemised medical bill
- Payment receipt
- Statement of the card having name and transaction details
- UHC ID card
Process
- Send the mentioned documents to UHCSR through following modes
- Email: customerservice@uhcsr.com
- Mail: PO Box 809025, Dallas, Texas - 75380
Time for Claim Settlement
- It would take 30 to 45 business days after the submission of the claims through above mentioned procedures, for the claim to be settled and the amount to be refunded back to you
In case of Medical emergency
If it’s a life threatening situation, always call 911. You can also go to the nearest emergency room. But make sure, you are visiting the emergency room only in serious conditions, the insurance may deny the claim if you visit the emergency room for general illness. For almost all the illness you can always visit the urgent care center, which have similar facilities like that of emergency room and charge much less.
Finding a nearby provider: https://www.studentcover.in/page/find-a-doctor
Note: The above process does not guarantee any payments. It is always recommended to check the plan brochure/master policy certificate for the benefits and exclusions under your insurance plan. You can get in touch with us for more details.
A.Direct Billing (In case of Hospitalization)
Show your ICICI ID Card at the Hospital
Post-treatment, you might be asked to pay the plan Deductible
Call ICICI at +1 844 871 1200 or Student Cover claims team for further guidance
Insurance co. will directly settle the bill with the medical provider
Go to the nearest pharmacy for post treatment prescription drugs
Pay for the medications bill & follow the claim reimbursement process to get the refund of the same
B. Claim reimbursement (In case of all treatments except hospitalization)
Get the needed consultation or treatment, after which provider may asks for the bill payment
Show your ID card and request to bill the insurance company for the same
In case provider does not agree, pay the bill amount*.
Call ICICI at +1 844 871 1200 or Student Cover claims team for further guidance
You will be requested to email some documents related to your treatment
- Student Cover will completely guide you at this stage and will do all possible efforts to get your claim settled in a timely manner
Time for Claim Settlement
- Post document submission, claim would be settled and refund would be made in Indian bank within 30-45 business days
Note: The above process does not guarantee any payments. It is always recommended to check the plan brochure/master policy certificate for the benefits and exclusions under your insurance plan. You can get in touch with us for more details.
Find a Doctor, Hospital or Lab
Welcome to the Find a Doctor, Hospital, or Lab Center! Whether you’re looking for a doctor, hospital, laboratory, or even medical equipment and supplies, we have the information you need, all located right here.
Preferred Providers are the physicians, hospitals and other health care providers who have contracted to provide specific medical care at negotiated prices. You should always confirm the Preferred Provider is part of the network, as this can change without notice. You can do this by calling the Company at 1-888-251-6253 and/or by asking the provider.
The Preferred Provider for your plan is UnitedHealthcare Options PPO. If care is received from a Preferred Provider, any Covered Medical Expenses will be paid at the Preferred Provider level of benefits. Reduced or lower benefits will be provided when an Out-of-Network provider is used. By using a Preferred Provider you can also save yourself some out of pocket expenses. Use this link to search for participating physicians, hospitals, facilities, medical equipment, or supplies in your local area.
To search for preferred providers:
Step 1: Open the Link: https://connect.werally.com/medicalProvider/root
Step 2: Click on Continue, once open the above link
Step 3: Click on "Find a Provider"
Step 4: Click on "Medical Provider"
Step 5: Click on "Employer and Individual plans"
Step 6: Search for Options PPO (For Essential and Basic Plan) and Choice Plus (For Plus and Elite Plans) then enter the zip code of the area where you want to search for the nearby providers