Plan Administrator: USI Affinity Travel Insurance Services | Underwriter: Lloyd’s | AM Best rating: A ‘Excellent’

  • Coverage Area: A full-time student (age 0-65) at a college or university (excluding online colleges and universities) residing outside your home country.
  • Coverage Length: Minimum 30 days to maximum 364 consecutive days.
  • Renew: Renewable up to 4 years.
  • PPO Network: United Healthcare Network
  • ID Card: Comes in email to download.

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  • Doctor: After deductible and co-insurance, up to policy maximum.
  • Hospital: After deductible and co-insurance, up to policy maximum.
  • Emergency Medical Evacuation: Up to $500,000 lifetime maximum. Not subject to deductible, coinsurance, or overall maximum limit.
  • Repatriation of Remains: Up to $50,000 lifetime maximum. Not subject to deductible, coinsurance, or overall maximum limit.

Complete details are given in certificate of insurance.

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  • Pre-existing Conditions during the first six (6) months of coverage, except charges resulting directly from an Emergency Medical Evacuation or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.
  • Congenital illnesses.
  • Mental health disorders if treatment is obtained at a student health center.
  • Failure to keep a scheduled appointment.

Complete details are given in certificate of insurance.

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Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the Certificate Effective Date.

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To comply with the United States Preferred Provider Organization requirements, the Member must receive medical treatment from PPO providers while in the United States. If the Member chooses to comply with the PPO requirements, and the expenses are incurred in a PPO provider, Underwriters will waive the Coinsurance applicable to the expenses.Members may review a listing of Hospitals, Physicians and other medical service providers included in the PPO Network for the area where the Member will be receiving treatment by accessing the Internet website for HCC Medical Insurance Services

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Renew

This plan can be purchased from 30 to 364 consecutive days of coverage, renewable for up to 4 years.

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Premiums may be refunded after the certificate effective date subject to the following provisions:

  1. A $25 cancellation fee will apply for administrative costs incurred by us; and
  2. Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the premium will be refunded; and
  3. You cannot have filed any claims to be eligible for a premium refund; and
  4. No refund of premium shall be granted after 60 days.

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This insurance policy has in it a Claims Procedure which tells you what steps you must take to file a claim, and explains our obligations to you. Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim.

Offline Form

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