This plan provides insurance coverage to students and scholars when temporarily residing outside your home country or country of permanent residence and actively engaged in education or research activities in the USA. You, your spouse, and your dependent children are eligible for this coverage if you have a current passport or visa. You are considered “actively engaged“ in education, teaching, or research activities if you are one of the following: Undergraduate - registered for and attending classes on a full-time basis; Graduate Student; Scholar or researcher who is invited by an educational organization; Students involved in education, educational activities or research-related activities. Students must actively attend classes for at least the first 31 calendar days after the effective date. Your spouse and dependent children are also eligible for coverage if accompanying you and enrolled on your policy. If an International full-time student who would otherwise be actively attending class is enrolled in classes online or through a hybrid program (part on-line with limited face-to-face class time) solely because his college or secondary institution determined that because of COVID-19 it would only conduct classes in this manner, he or she will be considered to be actively attending classes for Fall 2022 or Spring 2023. Rates are Monthly or Annually, based on age and available up to age 64. Permanent Residents (green card holders), and US Citizens are not eligible for this Plan. It is only available for internationals while in the USA. Please be sure to check the benefits and policy exclusions. Upon effective date - this plan is fully earned and non-refundable. There are no partial refunds. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness.

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Plan Highlights

  • United Healthcare PPO Network
  • $150,000 to an overall $300,000 maximum for all covered Illness or Injury combined
  • Unlimited medical maximum per lifetime
  • $250 per Insured Person In Network Deductible
  • $250 per Insured Person Out of Network Deductible
  • $35 Student Health Center Deductible
  • Copayments-Emergency Room Visit $300
  • Plan covers 100% of the Preferred Allowance
  • Motor Vehicle Accident Coverage
  • Sports Activities Coverage
  • Maternity coverage-restrictions apply
  • COVID-19 EXPENSES are covered and treated as any other sickness
  • Pre-existing Conditions Waiting Period: Student and Dependents-6 months

Benefits of Coverage

Medical Benefits
Deductible
$250 Per Plan Participant per Injury or Sickness
Medical Maximum
$150,000 per Injury or Sickness, to an overall $300,000 Maximum (all Injury and Sickness combined)
Maternity and Prenatal
100% of the Preferred Allowance up to $5,000 Maximum Benefit for normal delivery, $7,500 Maximum Benefit for C-Section. Conception must occur while covered under the Policy.
Pre-Existing Conditions Limitation
Covered after 6 months of continuous coverage up to $20,000 Lifetime Maximum
Emergency Accident Medical Expense
100% of the Preferred Allowance up to $10,000 Maximum Benefit
24/7 Non-Insurance Benefits
Maximum Length of Coverage
Up to 364 days
Sports Benefits
Hazardous Sports and Activities Coverage
100% of the Preferred Allowance up to $3,000 Maximum for injuries arising from Intramural and Club sports.
Emergency Evacuation Benefits
Emergency Medical Evacuation and Repatriation
100% of actual expense up to $60,000 Maximum Benefit
Additional Benefits
Accidental Death & Dismemberment
$10,000 (Other than Air Flight)
  1. You consent to the use and disclosure of your personally identifiable information, including sensitive health information, and other information in accordance with our Privacy Policy. If you do not consent to the disclosure of your personal information, we will not be able to evaluate your request and will not be able to provide you with the medical program, including the insurance product offered by Crum & Forster, SPC. For information regarding the use and disclosure of your personal information, please visit our privacy policy page.
  2. By purchasing this coverage, you agree to subscribe and become a participant in the Fairmont Specialty Trust and understand that participation in the Trust is a prerequisite to procuring the insurance coverage. Click here for a copy of the subscription agreement.
  3. This insurance coverage is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. Please consult an attorney or tax professional to determine whether this insurance coverage meets any obligations you may have under PPACA.
  4. This plan contains both insurance and non-insurance benefits. Insurance benefits are provided by Crum & Forster SPC through ITI SP pursuant to a policy issued to the Fairmont Specialty Trust.