Student Medicover Insurance Plan Introduction（2025-2026）
Navigation：
- What is international student health insurance？
- Why does health insurance for international students cost less than school insurance?
- Who is Student Medicover？
- What are the Student Medicover insurance plans?
- What upgrades did Student Medicover make in the 25-26 academic year?
- Why should you choose Student Medicover?
Navigation
1.What is international student health insurance？
1.What is international student health insurance？
Without a doubt, reliable health insurance is essential for college students. For this purpose, universities in the U.S. enroll all their eligible students in universal school insurance and the cost of the insurance is then billed to the student’s account directly.
However, school insurance is not the only option for international students. Every year, tens of thousands of international students decide to waive out of school insurance and choose policies that are specifically issued for international students such as Student Medicover, highly cost-effective insurance that comes with with 24/7 customer support.
We offer various high-quality health insurance plans for international students with active F1/J1 visa holders, OPT students, and F2/J2 dependents. Whether you are looking for insurance with better coverage or more affordable rate, as long as you are in the U.S. with a valid visa, Student Medicover has a plan for you.
We are excited to announce that our insurance plans for the 2025-2026 academic year are available now, and all Student Medicover insureds can renew your insurance now.
For newcomers who are just starting your journey, keep following us to learn about how Student Medicover provides care to students who study abroad in the U.S.
2. Why does health insurance for international students cost less than school insurance?
2. Why does health insurance for international students cost less than school insurance?
Universal insurance plans from Universities（SHIP）are often more expensive because the plans serve a broader range of the population. Not only do they provide coverage for both international and domestic students, but they also charge the same rate for different age groups.
In contrast, international students are a smaller demographic group and the age range of international students is smaller interval. Hence, insurance company consider international students as a low-risk insured population and lowers the cost of an international student-only policy.
As a result, insurance plans at Student Medicover are more affordable even with coverages that are better than universal school insurance.
*Remember: There are many health insurance policies for international students. Go with the one that meets your medical needs rather than the one with the lowest rate. . Without a sufficient coverage, it will ultimately cost you more in the case of an emergency.
Since we provide a variety of different coverages, we strongly recommend you select whichever plan fits you the best! Everyone is different and therefore has different medical needs. If you cannot decide which plan fits your lifestyle and health condition the best, feel free to contact us at [email protected]. We are more than happy to assist you with finding the best coverage for you!
3. Who is Student Medicover？
3. Who is Student Medicover？
Founded in 2013, Student Medicover strives to make high-quality, affordable healthcare accessible to every international student. By partnering with UnitedHealthcare, we provide cost-effective, comparable insurance plans, quality services, and a healthy lifestyle to students far away from home.
Our mission is to lend a hand to international students who need medical-related assistance because we understand how helpless one can feel as a student studying abroad. Our motto “We Care So We Are Here” is a reflection of our first-rate customer service. It is our job to ensure excellent customer experience and provide top-notch services to anyone that comes to us for assistance.
In addition, Student Medicover has been the top health insurance agency with the largest market share in the market of international student insurance in recent years. We maintained an annual sales growth of more than 200% and now serve more than 30,000 international students from 43 countries and 889 universities. We have partnered with more than 120 student organizations across the country in order to build a supportive, vibrant, and healthy community.
4. What are the Student Medicover insurance plans for 2025-2026 academic year?
4. What are the Student Medicover insurance plans for 2025-2026 academic year?
*The above terms apply to preferred network.*The above prices apply to users under 25 years old.
*To explore insurance plans beyond the featured ones, please refer to the quotes below.
5. What upgrades did Student Medicover make in the 25-26 academic year?
5. What upgrades did Student Medicover make in the 24-25 academic year?
❖ Lower Premiums
Annual premiums reduced by 1% to 11% for multiple classic plans. The Prime 500 Plan now starts at just $1,239 per year — that’s only $102/month or about $3/day!
❖ Supreme Plan
Comes with 10 free services in the $399 Ultimate Abroad Package, including routine physical exams in the U.S. and no cap on claim amounts.
❖ Elite Plan
Now includes enhanced benefits such as dental coverage, OTC (over-the-counter) medicine delivery, and mental health counseling in Chinese.
❖ Vision Benefits
Adult vision coverage has increased to $300 under several plans.
❖ Free Calm APP Membership
Students enrolled in any Student Medicover plan can receive a complimentary $70 Calm app membership, offering experiences such as meditation and white noise for mental wellness.
❖ Free online mental counseling
All Student Medicover users aged 18 and above can access unlimited free online mental counseling services.
❖ Copay and Deductible will be waived at SHC
All Student Medicover insurance plans can be used at the school health center (SHC). （Some services may require upfront payment with subsequent reimbursement. ）
6. Why should you choose Student Medicover?
6. Why should you choose Student Medicover?
❖ Student Medicover Plan Advantages
- Officially Pre-approved by major US Universities
All our insurance plans meet the school’s requirements and are listed by several universities as officially recommended alternative health insurance.
- Streamline Claims Process
With our insurance plan, all claims are processed by UnitedHealthcare’s department directly, not with third-party claim administrators.
- Top Medical Network
-Our Supreme plan and many other plans have exclusive access to UnitedHealthcare’s top medical network, Choice Plus, with the largest selection of medical networks and doctors and lower medical costs!
-Like your university, our insurance company and medical network are unified to avoid unnecessary risks.
- OptumRx Pharmacy Network
Our plans use the pharmacy network from UnitedHealthcare, UHCP, which includes most of your pharmacies. You can use our insurance in all pharmacies with OptumRx Network.
❖ Other Student Medicover health Insurance benefits
- The only insurance plan that includes Vision Benefit
- Users over 19 years old: $100 vision exam and $200 vision supplies (Supreme/Elite/ Prime 100）
- Users under 19 years old: 100% coinsurance for vision exams (Supreme/Elite/Prime 100/Prime 500)
- Emergency services: ambulance and emergency room
- Preventive vaccines
- Immunizations required for school enrollment
- HPV (under 46 years old)
- Flu shot, etc.
- Mental Health Coverage
- Free online physician visits & counseling services
Enrollment
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