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关于我们

Student Medicover(SM保险)是美国留学生市场中最大的医疗健康平台。我们不仅为来自世界各地的国际学生提供最优质的医疗保险及最暖心的服务,同时十分注重为学生普及保险及医疗知识,从而在异国他乡安心就医,健康生活。

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选择我们,留学路上一直陪伴你

更低价格,更好保障。

我们精心打造了五款价格实惠、保障完善的保险计划,旨在为留学生们的健康生活提供坚实后盾。

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

  • The most cost-effective plan featuring preventative care sercives.

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.

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Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$0 Per Policy Year $100 Per Policy Year $500 Per Policy Year $100 Per Policy Year $100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit No Overall Maximum Dollar Limit No Overall Maximum Dollar Limit $500,000 $500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted 80% except as noted 80% except as noted 80% except as noted 80% except as noted

Out-of-pocket maximum

The 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.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year $6350 Per Policy Year $7350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services (Preferred Provider)
100% of Preferred Allowance 100% of Preferred Allowance 100% of Preferred Allowance No Benefits No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
$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 Exam

TBA

Routine Eye Exam
$100 Maximum $100 Maximum

Vision Care Supplies

TBA

Vision Care Supplies
$100 Maximum $100 Maximum
Enroll Now
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$0 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted

Out-of-pocket maximum

The 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.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services (Preferred Provider)
100% of Preferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The 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.

Out-of-pocket Maximum (Preferred Provider)
$6350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services (Preferred Provider)
100% of Preferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$500 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The 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.

Out-of-pocket Maximum (Preferred Provider)
$7350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services (Preferred Provider)
100% of Preferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The 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.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services (Preferred Provider)
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
Option of $100 or $500 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The 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.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services (Preferred Provider)
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
12 months
Enroll Now

Need help? Talk to us.

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.

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