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Student Health Advantage - Platinum

Comprehensive | A- (Excellent) | IMG

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COVID-19 Included Medical Coverage During Travel Cancelable & Renewable

Short-term medical coverage for international students studying abroad. The plan is available for J1, M1, F1, and A1 visa holders.

Student Health Advantage - Platinum (A.M. Best Rating: A) is a premium travel medical insurance plan for international students, scholars, and their eligible dependents studying abroad. As the highest level of coverage within the Student Health Advantage product line, it offers comprehensive medical benefits, higher coverage limits, emergency assistance, and enhanced healthcare protection throughout the covered period. Coverage is available from 5 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 90% of eligible medical expenses up to $1,000, then 100% thereafter, up to the policy maximum. Outside of the PPO network, the plan will pay 80% in eligible medical expenses, up to the policy maximum.

Student Health Advantage does not cover pre-existing conditions during the first 6 months of continuous coverage. Coverage may become available after 6 months of continuous enrollment, subject to policy terms and conditions.

Review the Student Health Advantage - Platinum policy documents for complete coverage details, exclusions, and limitations.

  • After the deductible, plan pays 90% of eligible medical expenses up to $1,000, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum
  • Long-term medical coverage up to 5 years
  • Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
  • Repatriation for Medical Treatment
  • Maternity coverage
  • Pre-existing Conditions
  • $25 Deductible per Injury or Illness (Outside U.S.)
  • Optional Adventure Sports Rider
  • COVID-19 Coverage
  • For J1, M1, F1 or A1 visa holders
  • For ages 31 days old to 64 years
  • Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
  • Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
  • Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
  • Meets student visa requirements
  • Extendable for up to 365 days
  • Plan can be purchased after arrival at the destination
  • Not Available for the following Destination Countries: Belarus (BLR), Congo, The Democratic Republic of (COD), Russia (RUS), South Sudan (SSD), Uganda (UGA) & Ukraine (UKR).
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN).
  • Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE).
  • Not available for purchase if the Traveler is a {us_states_restrictions_phys} resident and is physically present in {us_states_restrictions_phys} at the time of purchase. The policy will still cover the traveler(s) visiting and temporarily staying in this U.S. state.
  • Not Available for Addresses from the Following U.S. States/Territories: Maryland (MD).
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