USC World Elite — Comparison Chart

Benefits USC 450 USC 250 USC Plus
Area of Coverage Worldwide excluding Home Country Worldwide excluding Home Country Worldwide excluding Home Country
Maximum Limit Unlimited Unlimited Unlimited
Deductible (In-Network) $450 $250 $0
Coinsurance (In-Network) 80% (see Tier rows) 80% (see Tier rows) 100% (Tier 1) · 90% (Tier 2)
Out-of-Pocket Maximum In: $5,000 · Out: $5,500 In: $5,500 · Out: $5,500 In: $5,000 · Out: Unlimited
In-Network Hospitals — Tier 1
USC Designated (Keck & Student Health)		 Physician: 100% · All other provider services: 90% Physician: 100% · All other provider services: 90% 100%
In-Network Hospitals — Tier 2
Aetna Passport Open Access PPO		 80% 80% 90%
Preventive Care In-Network: 100% In-Network: 100% In-Network: 100%
Student Health Center $0 (모든 코스트쉐어 면제) $0 (모든 코스트쉐어 면제) $0 (모든 코스트쉐어 면제)
Office Visit (Primary/Specialist) Deductible then $20 (In) $30 (In) $25 (In)
Urgent Care Deductible then $50 (In) Deductible & $65 then 80% (In) $50 (In)
Hospital (Inpatient) $0 (deductible & coinsurance apply) $0 (deductible & coinsurance apply) $0 (cost share applies per plan)
Emergency Room Deductible then $200/visit (waived if admitted) Deductible & $200/visit (waived if admitted) $200/visit (waived if admitted)
Prescription Drugs (Retail) Tier 1/USC Pharmacy: Generic $5 · Preferred Brand $40 · Non-Preferred $60 · Specialty $90
Tier 2 In-Network: Same copays
Out-of-Network: Copay then 60%
Worldwide: Plan pays 100% (after any applicable copay) 		Tier 1/USC Pharmacy: Generic $5 · Preferred Brand $50 · Non-Preferred $75 · Specialty $90
Tier 2 In-Network: Same copays
Preventive meds: 100%
Out-of-Network/Worldwide per policy 		Tier 1/USC Pharmacy: Generic $5 · Preferred Brand $40 · Non-Preferred $60 · Specialty $90
Tier 2 In-Network: Same copays
Out-of-Network: Copay then 60%
Worldwide: Plan pays 100%
Pre-existing Conditions Covered Covered Covered
Monthly Premiums (USD)
Relationship · Age Monthly
Policyholder 17–25$115
Policyholder 26–27$159
Policyholder 28–29$229
Policyholder 30–45$530
Spouse 17–45$530
Dependent 0–26$120
Relationship · Age Monthly
Policyholder 17–25$135
Policyholder 26–27$167
Policyholder 28–29$264
Policyholder 30–45$615
Spouse 17–45$615
Dependent 0–26$140
Relationship · Age Monthly
Policyholder 17–25$160
Policyholder 26–27$187
Policyholder 28–29$335
Policyholder 30–45$715
Spouse 17–45$715
Dependent 0–26$170
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Tier key: Tier 1 = USC Designated (Keck & Student Health), Tier 2 = Aetna Passport Open Access PPO, Tier 3 = Out-of-Network, Tier 4 = Worldwide (outside USA & Home Country).
이 표는 안내용 요약입니다. 보장·제한·제외 사항의 최종 기준은 각 상품의 Policy Terms & Conditions입니다.
USC STUDENTS ONLY · USC 재학생 전용

Eligibility · Cancellation & Refund | 가입조건 · 취소 및 환불

가입조건 (Korean)

  • USC 재학생 전용: 본 상품은 USC 학생만 가입 가능합니다.
  • F-1 full-time 학생으로 인정되는 학위과정(Associate/Bachelor/Master/PhD 등) 재학 요건.
  • ACA 요건 충족, 연간 한도 무제한, 기존질환(Pre-existing conditions) 보장 포함.
  • 프리미엄(보험료) 납부 및 폴리시 자격 요건 충족 유지 필수. 허위 기재/중대한 사실 오기재 시 해지될 수 있음.

취소 및 환불 (Korean)

  • 학교 Waiver 미승인: 학교 최소요건 미충족으로 Waiver가 거절된 경우, 통지서 수령 후 15일 이내 환불 요청 및 증빙 제출 시 환불 가능(청구 내역이 없을 것).
  • 학교 승인 휴학(Leave of Absence): 승인서 및 Home Country 복귀 예정일 증빙을 15일 이내 제출 시, 남은 기간 일할계산(Pro-rata) 환불에서 $50 조기해지 수수료 공제 (청구 내역 없을 것).
  • 조기 졸업: 12개월 가입 후 학기 종료 시점에 졸업하는 경우, 졸업일 이후 기간에 대해 차액 환급(졸업증명서 제출, 졸업일 이후 발생한 청구는 보장되지 않음).
  • 그 외 사유로는 환불 불가. Force Majeure도 자동 환불 사유가 아님.
안내: 본 요약은 웹 안내용이며, 자세한 내용은 약관(Policy Terms & Conditions)을 반드시 참고하세요.

Eligibility (English)

  • USC Students Only: Enrollment is restricted to current USC students.
  • F-1 full-time students enrolled in an accredited degree program (associate, bachelor’s, master’s, or Ph.D.).
  • ACA-compliant coverage with unlimited annual maximum and pre-existing conditions covered.
  • Coverage remains in force only while you meet eligibility requirements and pay premium; policy may be rescinded for fraud/material misrepresentation.

Cancellation & Refund (English)

  • Waiver Not Approved by your school because plan does not meet minimum requirements, and your waiver was submitted on time: you must notify the insurer within 15 days of the denial and provide proof; no claims on file.
  • School-Approved Leave of Absence: notify within 15 days and submit proof of approval and return date to Home Country; pro-rata refund less a $50 early termination fee; no claims on file.
  • Graduating Senior: if you bought 12 months and graduate before the end of your benefit period, the premium difference after graduation may be refunded with proof of graduation; claims after the cancellation date are not covered.
  • All other reasons: no refund. Force Majeure does not automatically entitle a refund or extend the benefit period.
Note: This is a website summary. For full details, always refer to the Policy Terms & Conditions.