Frequently Asked Questions

International students who:

  • have vaild F1 and J1 visa status, AND
  • an associate, bachelor, master or Ph.D. or formal university ESL program, and,
  • are currently registered with no less than 6 credit hours* are eligible and qualified to enroll.

The Company maintains its right to investigate student status and attendance records to verify that the policy eligibility requirements have been met. If and whenever the Company discovers that the policy eligibility have not been met, its only obligation is refund of premium.

*The six credit hour requirement is waived for summer, if the applicant was enrolled in the Silver, Gold, Platinum, or Diamond Plan as a full-time student in the immediately preceding Spring term.

Please read the Policy Brochure available on our website to make sure that the plan you are buying meets your own needs as well as your school requirements.

1. Go to WWW.PSISERVICE.COM (home page)
2. Select Your School to Find the Right Plan that meets your university insurance requirements.
3. Fill out our Easy Online Application Form(Other Languages Available: Chinese, Korean, Japanese, Spanish)
4. Make Your Insurance Payment Online with a credit or debit card. You may also pay in cash through any Wells Fargo Bank. For details, see Payment Options.
5. Download/Print the following PSI Insurance Documents and submit to your university:
  • Insurance Policy Brochure
  • Claim Form
  • Confirmation Letter
  • Sales Receipt
  • Waiver/Compliance Form *
*If your school has a Waiver/Compliance Form for alternative insurance companies to fill out and it's not available in your PSI account, please email to or fax to 1-703-935-1313.

To make a payment, you may choose among the available options below:

1. By Card: US or International Card
  • Visa/Mastercard/Discover Card
  • Under Billing address, please use a US address.
2. By ACH Payment:
  • If you have a US bank account, simply select "ACH Payment" then fill in your Routing Number and Account Number.
  • Your bank information can be found in your bank statement and/or in your Online Banking Account.
3. By Cash payment through Wells Fargo Bank. Fill out a deposit slip with the following info:
Account Name : Professional Service, Inc.
Account Number : 2608424731
Amount : Should match the pending balance from their account
*Please call or email us once you have made your cash payment so we can activate your account.
PSI does not allow cancellation of coverage. Cancellation and refund is ONLY allowed if the PSI Plan purchased does not meet the school insurance requirements. A letter from the student's school with detailed explanation showing which insurance requirement it does not specifically meet must be received by PSI within 30 days of the coverage purchase date.

If you want to Change the Plan, please contact PSI Customer Service: 703-879-8828 or .
International students with F-1 visas who are enrolled in a full-time associate, bachelor, master or Ph.D. degree program, or formal ESL program at a university, who are currently registered with no less than 6 credit hours (unless such school’s full-time status requires less credited hours), and International Visiting Scholars with J-1 visas are eligible to enroll in this insurance plan. The six credit hours requirement is waived for summer, if the applicant was enrolled in this plan as a full-time student in the immediately preceding spring term.

Students must actively attend classes for at least the first 31 days after the date for which coverage is purchased. Home study, correspondence and online courses do not fulfill the eligibility requirements that the student actively attend classes. The Company maintains its right to investigate Eligibility or student status and attendance records to verify that the policy Eligibility requirements have been met. Valid Visa also required. If the Company discovers that the policy Eligibility requirements have not been met, its only obligation is to refund premium.

Eligible students who do enroll may also insure their Dependents. Eligible Dependents are the spouse (husband or wife) and children under 26 years of age. Dependent eligibility expires concurrently with that of the Insured student.

Login to PSI with THIS LINK, You can generate, download, and print your Worldwide Coverage Certificate

What is an EOB?

Explains the EOB, (i.e. Explanation of Benefits) that you receive once your claim is processed.

Even though you may not have received your ID card, you can still seek treatment. Request that the provider contact the appropriate Customer Service number listed on your Confirmation of Coverage Letter for verification of coverage.

Students can enroll in any PSI Plan posted to the school they are attending. PSI reserves the right to cancel the plan and refund premium to students in all other cases.

Yes, dental coverage is available for $12 per month. Student must be enrolled in a PSI health insurance plan to be eligible. Click here for more information.

Copay A set amount you pay when you receive health care services.
Co-insurance This is your portion of cost for covered health care services after you have paid your deductible.
Deductible The amount of money you will pay for health care services before your health care insurance begins to pay.
Evacuation This coverage will help arrange for you to return home if an injury or serious illness occurs and you cannot return to your country on your own
Out of network This means your insurance company does not have a contract for reduced prices with a doctor or other health care provider. If you go to an out of network provider, your insurance will cover less and you will have to pay more.
Out-of-Pocket Maximum The most you pay during a policy period. After this maximum, the insurance plan pays 100%.
Plan Maximum The total dollar amount a health insurance company will pay to cover costs of your health care.
Pre-existing conditions A pre-existing condition is a health issue a person had before or is currently being treated. Your health insurance must pay for services on all health conditions and cannot exclude payment for pre-existing health issues.
Preferred Allowance The amount a Preferred Provider will accept as payment in full for Covered Medical Expenses.
Preferred Provider / In-Network This means your insurance company has a contract with a doctor or other health care provider. The insurance company has negotiated reduced prices with these Providers to help you save money.
Preventive care Services that help prevent disease and keep you well. These can include adult immunizations/vaccines (shots), wellness and screening exams.
Repatriation In the event of a person's death, this coverage will arrange to have the body return to the person's home country.
Usual and Customary The lesser of the actual charge or a reasonable charge which is: 1) usual and customary when compared with the charges made for similar services and supplies; and 2) made to persons having similar medical conditions in the area where you get service.
Women's Preventive Services This is the regular care a woman needs including checkups for woman's health issues. These services are paid 100% by the insurance company. The insurance company will also pay 100% for certain methods to prevent pregnancy.