Student Medicover is committed to attacking the greatest healthcare challenges for international students – inflated prices, confusing terms, and complicated processes. We are health enthusiasts providing affordable and reliable health insurance, excellent customer service, and authentic healthcare knowledge.
Health should never be a luxury. We keep premiums low, so that students can stay covered and stay healthy.
Protecting students is our priority. Our plans offer substantial coverage for doctor visits, hospital stays, emergency care, and prescription drugs.
Need help? Just contact us via phone, email, WhatsApp, Line, WeChat, or Weibo. We speak English and Chinese.
Our Product
Protecting students is our top priority and Our plans offer adequate coverage at affordable premiums.
Elite
$129.90/30 DaysUnder 25
The most popular plan featuring a coinsurance of 90%, a low deductible and preventative care services.
Prime
$106.20/30 DaysUnder 25
Affordable premium, a low deductible, a coinsurance of 80%, and preventative care services.
Choice
$89.70/30 DaysUnder 25
Preferred
$73.50/30 DaysUnder 25
Stay fully covered for illnesses and pay low premiums and deductibles.
Basic
$57/30 DaysUnder 25or$54/30 DaysUnder 25
Best for students looking for an affordable premium and adequate protection against illnesses.
| Download Policy | Certificate | Certificate | Certificate | Certificate | Certificate |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$0 Per Policy Year | $100 Per Policy Year | $500 Per Policy Year | $100 Per Policy Year | $100 Per Policy Year |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
No Overall Maximum Dollar Limit | No Overall Maximum Dollar Limit | No Overall Maximum Dollar Limit | $500,000 | $500,000 |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
90% except as noted | 80% except as noted | 80% except as noted | 80% except as noted | 80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
$5000 Per Policy Year | $6350 Per Policy Year | $7350 Per Policy Year |  |
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Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
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12 months |
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
100% of Perferred Allowance | 100% of Perferred Allowance | 100% of Perferred Allowance | No Benefits | No Benefits |
Prescription DrugsDrugs and medications that by law require a prescription. |
$15 Copay - Tier 1 30% Coinsurance - Tier 2 50% Coinsurance - Tier 3 |
$15 Copay - Tier 1 30% Coinsurance - Tier 2 50% Coinsurance - Tier 3 |
$25 Copay - Tier 1 30% Coinsurance - Tier 2 50% Coinsurance - Tier 3 |
$20 Copay - Tier 1 40% Coinsurance - Tier 2 50% Coinsurance - Tier 3 |
No Benefits for UHCP |
Routine Eye ExamTBA |
$100 Maximum | $100 Maximum | |
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Vision Care SuppliesTBA |
$100 Maximum | $100 Maximum | |
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Enroll Now
Elite
$129.90/30 Days
| Download Policy | Certificate |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$0 Per Policy Year |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
No Overall Maximum Dollar Limit |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
90% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
$5000 Per Policy Year |
Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
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Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
100% of Perferred Allowance |
Prescription DrugsDrugs and medications that by law require a prescription. |
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Prime
$106.20/30 Days
| Download Policy | Certificate |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$100 Per Policy Year |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
No Overall Maximum Dollar Limit |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
$6350 Per Policy Year |
Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
|
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
100% of Perferred Allowance |
Prescription DrugsDrugs and medications that by law require a prescription. |
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Choice
$89.70/30 Days
| Download Policy | Certificate |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$500 Per Policy Year |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
No Overall Maximum Dollar Limit |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
$7350 Per Policy Year |
Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
|
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
100% of Perferred Allowance |
Prescription DrugsDrugs and medications that by law require a prescription. |
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Preferred
$73.50/30 Days
| Download Policy | Certificate |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
$100 Per Policy Year |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
$500,000 |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
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Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
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Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
No Benefits |
Prescription DrugsDrugs and medications that by law require a prescription. |
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Basic
$57 or $54/30 Days
| Download Policy | Certificate |
DeductibleThe amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services. |
Option of $100 or $500 Per Policy Year |
Maximum BenefitThe most an insurance company will pay for claims made within a certain period of time. |
$500,000 |
CoinsuranceThe percentage of costs of a covered health care service the insurance company pays after you've paid your deductible. |
80% except as noted |
Out-of-pocket maximumThe most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover. |
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Pre-existing waiting periodThe time period during which an individual policy won't pay for care relating to a pre-existing condition. |
12 months |
Preventative care servicesHealth care services that help prevent disease. Flu shots and Pap smears are examples of preventive care. |
No Benefits |
Prescription DrugsDrugs and medications that by law require a prescription. |
12 months |
Kindness and patience are at the core of our customer support team. Our representatives will help you with any issues related with using your health insurance, doctor visits, downloading insurance IDs, and filing claims.
