Compare Study USA and Navigator for Student 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). | Not Covered |
| 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. |
100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply |
| 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:20%; Outside PPO: 40% |
| Coinsurance - Claims Incurred outside the U.S | |
| Plan pays 100% | Waived outside the US |
| Local Ambulance Benefit | |
| Basic plan: $300 per injury or illness Standard, Preferred and Platinum plans: $350 per injury or illness. |
In network: 80% to Coinsurance Maximum then 100% Out of network:60% to Coinsurance Maximum then 100% |
| Dental Treatment - Due to Accident | |
| Basic and Standard plans: Not Available. Preferred and platinum plan: Up to $1,000 maximum per certificate period. |
100% of Covered Expenses up to $500 per Calendar Year maximum |
| Dental Treatment - Sudden Pain | |
| Basic and Standard plans: Not Available. Preferred and platinum plan: Up to $100 to alleviate 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. |
Covered after 364 days |
| Terrorism | |
| Basic and Standard Plans:Not Available Preferred and Platinum Plans:Up to $50,000 lifetime maximum. |
No Coverage |
| Intercollegiate, interscholastic, intramural or club sports | |
| Basic, Preferred and Standard plan: Not Available. Platinum plan: Optional Buy-Up: $10,000. |
Covered |
| Emergency Medical Evacuation | |
| Basic plan:$50,000 lifetime maximum Standard plan:$250,000 lifetime maximum Preferred and Platinum plans:$500,000 lifetime maximum. |
$250,000 lifetime maximum |
| Repatriation of Remains | |
| Basic, Preferred and Standard plan:$25,000 lifetime maximum Platinum Plan:Up to $50,000 lifetime maximum. |
Maximum Benefit up to $25,000 |
| 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 with creditable coverage within 365 days, can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan |
| Emergency Medical Reunion | |
| Up to $200 per day/$50,000 maximum | Up to $200 per day/$15,000 maximum |
| Return of Child(ren) | |
| $50,000 | $25,000 |
| Return of Mortal Remains | |
| $50,000 | $50,000 |
| Local Burial or Cremation | |
| $5,000 | $5,000 |
| Natural Disaster Evacuation | |
| $10,000 | $5,000 |
| Natural Disaster Daily Benefit | |
| $75 per day, 5-day limit | $25 per day, 5-day limit |
| Political Evacuation & Repatriation | |
| $10,000 | $10,000 |
| Felonious Assault | |
| $20,000 (separate from the medical maximum) | $10,000 (separate from the medical maximum) |
| Accidental Death and Dismemberment (AD&D) | |
| Basic plan:Not Available Standard plan:Up to $5,000 lifetime maximum Preferres and Platinum plans:Up to $25,000 lifetime maximum. |
Maximum Benefit: Principal Sum up to $10,000 |
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