Review of Global Student USA from HTH Worldwide

Editor Review

The Good: Up to $250,000 in medical coverage for non U.S. students studying in the U.S. It covers major medical, outpatient drugs, physician office visits and more at 80% up to the first $10,000 and at 100% after.

The Drawbacks: Applicable only to non U.S. students who are at least 14 years of age and under age 65. No medical coverage for pre-existing medical conditions for one full year. No coverage for dependents. The evacuation coverage limit may be low depending on the student’s home country location.

The Bottom Line: This is major medical coverage for international students studying in the U.S. This is essential basic medical coverage – and basic financial protection – for students studying in a nation with the highest global medical costs.

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Coverage

Benefits	Maximum
Medical expenses	$250,000 * (lifetime maximum $1,000,000)
Emergency dental	$250 per tooth (for accidents)
Emergency evacuations	$100,000
Repatriation	$25,000
24/7 assistance services	Yes

* Basic medical expense benefits per injury or illness up to $10,000 (80% after deductible).

Plan Details

This plan is unique in that it provides the following:

Deductible is $100 per injur or illness; reduced to $50 for treatment at a student health center.
Includes bedside visit benefits up to $750 if the insured is confined to a hospital for at least seven days.
Includes coverage for physician office visits, inpatient and outpatient medical care, and pregnancy benefits.
Includes outpatient treatment of mental and nervous disorders including drug or alcohol abuse (lifetime maximum for inpatient is $5,000, lifetime maximum for outpatient is $500).
Prescription drugs are covered at 50% of actual charges.
Coverage for home country expenses included up to plan limits.
Coverage is automatically extended for up to 31 days if the insured is hospitalized on the plan termination date.
Access to HTH Global Health and Safety resources for drug translations, health and security news, provider network, and worldwide security information.
Includes 24-hour global emergency medical assistance for evacuation coordination, medical monitoring, emergency cash transfers, and more.

Limitations

The following are the limitations on this plan’s coverage:

Only applicable to non U.S. citizens. studying in one of the approved U.S. states.
Participants may be asked to verify their visa status by entering their I-20 or DS-2019 number.
Pre-existing medical condition coverage only after one full year of coverage.
Coinsurance and deductibles apply.
Dependent coverage not available.
Coverage for motor vehicle accidents limited to $10,000.
Sports-related injuries limited to $5,000.