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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。

我们精心打造了四款价格实惠、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

$110.70/30 DaysUnder 25

  • 性价比最高、最受欢迎的计划:价格实惠、自付额更低、赔付无上限,也有高达90%的赔付比例及预防性治疗。

Prime

$94.20/30 DaysUnder 25

  • 性价比较高的保险计划:价格实惠、自付额低、赔付无上限,赔付比例高达80%,并包含预防性治疗。

Preferred

$66.90/30 DaysUnder 25

  • 这款保险计划价格实惠、自付额低至$50,同时也为处方药、已有医疗状况提供了良好保障。

Basic

$48.90/30 DaysUnder 25or$43.80/30 DaysUnder 25

  • 价格最优、保障良好的保险计划,可选择$100或$500的自付额,适合预算优先、身体素质更佳的同学们。
Download PolicyFlyerBrochureFlyerBrochureFlyerBrochureFlyerBrochure

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 $500,000 $500,000

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)
$50 Per Policy Year $100 Per Policy Year $50 Per Policy Year Option of $100 or $500 Per Policy Year

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

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

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
100% of Perferred Allowance 100% of Perferred 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 Copay - Tier 2
$50 Copay - Tier 3
$15 Copay - Tier 1
20% Coinsurance - Tier 2
30% Coinsurance - Tier 3
$20 Copay - Tier 1
30% Coinsurance - Tier 2
40% Coinsurance - Tier 3
No Benifits for UHCP
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Download Policy FlyerBrochure

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

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)
$50 Per Policy Year

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
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerBrochure

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

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

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
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerBrochure

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

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)
$50 Per Policy Year

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
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerBrochure

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

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

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
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
12 months
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如需帮助,请联系我们

同学们无论是在保险购买,保险waive,还是理赔过程中遇到了问题,都可以随时联系我们哦。我们会尽力帮助每一位同学,让大家都能在美国安心就医,健康生活。

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