Global Student Plan is designed specifically for American Students Engaged in International Educational Activities. Insurance coverage may be purchased to cover any period of time from 1 month to 12 months.
Make Your Stay in the USA Safe and Healthy!
Each year, tens of thousands of international students and scholars protect themselves with HTH insurance plans while they are in the USA. Our plans combine comprehensive, competitively priced insurance protection with critical information and medical assistance services to help you find and pay for quality healthcare services all around the world.
Eligibility
Global Student Plan is available to citizens of the United States who are students/scholars/faculty members and who are engaged in international educational activities outside of the United States.
Period of Coverage
Global Student Plan coverage may be purchased to cover any period of time from 1 to 12 months.
Effective Date - Your coverage will begin on the latest of the following:
- The date the completed enrollment form and fees have been received by HTH Worldwide Insurance Services.
- The date you request on the Application.
Expiration Date - Your coverage will end on the earlier of the following:
- Upon termination of the Policy
- The date the participant ceases to meet eligibility requirements
- Upon expiration of period of coverage requested in the enrollment form
- On the first date for which premium and fees have not been paid
Upon each renewal, rates, benefits, and program in general are subject to change.
Renewal
Global Student Plan offers continuous coverage if HTH Worldwide Insurance Services acceps renewal form and premium prior to the expiration of coverage. There is a 31-day grace period to pay the premium due. Premiums will be based upon the age of the covered participant at the time of renewal. Any Covered Person shall be subject to all Policy exclusions as of any subsequent effective date if coverage under the Policy lapses after the grace period. Renewals may be subject to a minimum premium payment.
Premium Cost
Benefits
When your covered Injury or Sickness requires treatment by a physician, this program will provide benefits for the Usual and Customary (U&C) charges scheduled below which exceed the chosen Per Person Deductible ($50 per Injury or Sickness) for each Injury and each Sickness. The total payable by all Benefits will be no more than $100,000 for each Injury and each Sickness.
Medical Expenses
| $250,000 |
| $100,000 |
| $100,000 |
| Up to $10,000 Maximum: 100% of Reasonable Expenses After Deductible |
| After Basic Medical Expense Benefit Maximum has been paid, 80% of Reasonable Expenses up to an additional $90,000 Maximum |
| Reasonable Expenses up to Maximum per Policy Year |
| $50 per Injury or Sickness |
| After the Covered Person's effective date or until coverage terminates under the Policy, whichever is less |
| For Basic, After Deductible, 100% of Reasonable Expenses. For SMM Benefit, After Deductible, 80% of Reasonable Expenses |
| For Basic, After Deductible, 100% of Reasonable Expenses. For SMM Benefit, After Deductible, 80% of Reasonable Expenses |
| For Basic, After Deductible, 100% of Reasonable Expenses. For SMM Benefit, After Deductible, 80% of Reasonable Expenses |
| Reasonable Expenses |
| Reasonable Expenses up to $2,500 Maximum per lifetime |
| Reasonable Expenses up to $500 Maximum per lifetime |
| Reasonable Expenses up to $500 Maximum per Policy Year |
| 100% of Reasonable Expenses up to $250 per tooth |
| 50% of actual charge |
| Reasonable Expenses up to $250 per Injury or Sickness |
Definitions
Injury means bodily injury: (1) directly and independently caused by specific accident which is unrelated to any pathological, functional, or structural disorder of injury, (2) treated by a Physician within 30 days after the date of accident; and (3) which causes loss during the term of the policy.
Sickness means: sickness or disease of the insured Person which causes loss and originates while the Insured Person is covered under the policy. All related conditions and recurrent symptoms of the same or a similar condition will be considered one sickness.
Pre-Existing Condition means:
- The existence of symptoms within the 6 months (or 12 months for persons 70 and older) immediately prior to the Insured's Effective Date under the policy, or,
- Any condition which originates, is diagnosed, treated or recommended for treatment within the 6 months (or 12 months for persons 70 and older) immediately prior to the Insured's Effective Date under the policy; or
- Congenital conditions.
Usual and Customary Charges means: a reasonable charge which is: (1) usual and customary when compared with the charges made for similar services and supplies; and (2) made to persons having similar medical conditions in the locality of the Policyholder. No payment will be made under the policy for any expenses incurred which in the judgment of the Company are in excess of Usual and Customary Charges.
Policy Exclusions
The Insurer does not pay benefits for loss due to a Pre-Existing Condition during the first one (1) year of coverage. Pre-Existing Conditions will be covered after the Covered Person's coverage has been in force for one (1) year. This limitation does not apply to the Medical Evacuation Benefit, the Repatriation of Remains Benefit and to the Bedside Visit Benefit. Unless specifically provided for elsewhere under the Policy, the Policy does not cover loss caused by or resulting from, nor is any premium charged for, any of the following:
- Preventative medicines, routine physical examinations or any other examination where there are no objective indications of impairment in normal health, including routine care of a newborn infant
- Services and supplies not Medically Necessary for the diagnosis or treatment of a Sickness or Injury
- Surgery for the correction of refractive error and services and prescriptions for eye examinations, eyeglasses or contact lenses or hearing aids, except when Medically Necessary for the Treatment of an Injury
- Plastic or cosmetic surgery, unless they result directly from an Injury which necessitated medical treatment within 24 hours of the Accident
- For diagnostic investigation or medical treatment for infertility, fertility or birth control
- Expenses incurred in excess of Reasonable Expenses
- Expenses incurred for Injury resulting from the Covered Person's being legally intoxicated or under the influence of alcohol as defined by the jurisdiction in which the Accident occurs. This exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of Remains Benefit and to the Bedside Visit Benefit
- Voluntarily using any drug, narcotic or controlled substance, unless as prescribed by a Physician. This exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of Remains Benefit and to the Bedside Visit Benefit
- Organ or tissue transplant
- Participating in an illegal occupation or committing or attempting to commit a felony
- For treatment, services, supplies or Confinement in a Hospital owned or operated by a national government or its agencies (This does not apply to charges the law requires the Covered Person to pay)
- While traveling against the advice of a Physician, while on a waiting list for a specific treatment or when traveling for the purpose of obtaining medical treatment
- The diagnosis or treatment of Congenital Conditions, except for a newborn child insured under the Policy
- Expenses incurred within the Covered Person's Home Country
- Treatment to the teeth, gums, jaw or structures directly supporting the teeth, including surgical extractions of teeth, TMJ dysfunction or skeletal irregularities of one or both jaws including orthognathia and mandibular retrognathia
- Expenses incurred in connection with weak, strained or flat feet; corns; or calluses
- Diagnosis and treatment of acne and sebaceous cyst
- Outpatient treatment for specified therapies including, but not limited to, Physiotherapy and acupuncture
- Deviated nasal septum, including submucous resection and/or surgical correction, unless treatment is due to or arises from an Injury
- Self-inflicted Injuries while sane or insane; suicide; or any attempt thereat while sane or insane. This exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of Remains Benefit and to the Bedside Visit Benefit
- Loss due to war, declared or undeclared; service in the armed forces of any country or international authority; riot; or civil commotion
- Riding in any aircraft, except as a passenger on a regularly scheduled airline or charter flight
- Elective termination of pregnancy
- Loss arising from participation in professional sports, scuba diving, hang gliding, parachuting or bungee jumping
- Medical Treatment Benefits provision for loss due to or arising from a motor vehicle Accident if the Covered Person operated the vehicle without a proper license in the jurisdiction where the Accident occurred
- Under the Accidental Death and Dismemberment provision, for loss of life or dismemberment for or arising from an Accident in the Covered Person's Home Country
- Expenses incurred for treatment of sports-related accidents resulting from interscholastic, intercollegiate, intramural, club or professional sports
- Expenses incurred as a result of pregnancy that is not covered
Cancellation
All other cancellations will only be allowed only if one of the following requirements are met:
- Proof of ineligibility is provided
- Cancellation occurs within the first 10 days from the effective date or most recent renewal date
- the Covered Member requests cancellation in writing. If cancellation is after 10 days, premium will be refunded in whole months only for any unused portion of the enrollment period
Refund of Premium
If you are not completely satisfied with our product, simply return your Certificate or Policy of Insurance within ten days of receipt and include a letter indicating your desire to cancel. If you have not already used the insurance benefits, you will receive a full refund.
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