Plans that meet the requirements of Harvard University
ISO Share for Harvard University
$82 per month
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Annual deductible
$1,250
The amount you pay for covered services each policy year before the insurance coverage. -
Coinsurance in-network
80%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers.
-
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Copay Student Health Center
$0
A fixed fee you pay for the coverable medical services each visit. -
Pre-existing conditions
Covered
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Preventive care
100% in-network
Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems. -
Medical evacuation
$100,000
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
$50,000
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Annual deductible
$1,250
The amount you pay for covered services each policy year before the insurance coverage. -
Coinsurance in-network
80%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Copay Student Health Center
$0
A fixed fee you pay for the coverable medical services each visit. -
Pre-existing conditions
Covered
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Preventive care
100% in-network
Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems. -
Medical evacuation
$100,000
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
$50,000
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
ISO Care Elite for Harvard University
$149 per month
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Annual deductible in-network
$100
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage. -
Coinsurance in-network
90%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers.
-
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Copay Student Health Center
$0
A fixed fee you pay for the coverable medical services each visit. -
Pre-existing conditions
Covered
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Preventive care
100% in-network
Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems. -
Medical evacuation
$100,000
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
$50,000
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Annual deductible in-network
$100
The amount you pay for covered services rendered at an in-network provider each policy year before the insurance coverage. -
Coinsurance in-network
90%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Copay Student Health Center
$0
A fixed fee you pay for the coverable medical services each visit. -
Pre-existing conditions
Covered
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Preventive care
100% in-network
Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems. -
Medical evacuation
$100,000
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
$50,000
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
ISO Care for Harvard University
$92 per month
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Annual deductible
$500
The amount you pay for covered services each policy year before the insurance coverage. -
Coinsurance in-network
80%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers.
-
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Copay Student Health Center
$0
A fixed fee you pay for the coverable medical services each visit. -
Pre-existing conditions
Covered
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Preventive care
100% in-network
Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems. -
Medical evacuation
$100,000
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
$50,000
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
-
Annual maximum
Unlimited
The maximum amount insurance pays for covered medical services each policy year. -
Annual deductible
$500
The amount you pay for covered services each policy year before the insurance coverage. -
Coinsurance in-network
80%
The percentage of splitting the bill between insurance and you when visiting in-network providers. The higher percentage is the amount insurance covers. -
Maximum out-of-pocket
$6,350
The maximum you pay for covered services for each policy year when visiting in-network providers. -
Copay Student Health Center
$0
A fixed fee you pay for the coverable medical services each visit. -
Pre-existing conditions
Covered
Any injury or illness that you suffered from, received treatment for, and/or were prescribed medication for prior to the date your insurance started. -
Preventive care
100% in-network
Routine health care that includes check-ups and immunizations to prevent illnesses, disease, or other health problems. -
Medical evacuation
$100,000
The amount insurance will cover for transfer to the nearest hospital or home country in case of an emergency injury or sickness. -
Repatriation of remains
$50,000
Transporting the remains of an insured person back to their home country. -
Provider network
The PPO network of doctors, clinics, hospitals and related medical service providers who are organized to provide health care at a discounted or negotiated rate.
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Why International Students Choose ISO
We understand the unique needs of international students studying in the United States. From navigating a new healthcare system to finding coverage that meets school requirements, students need a partner they can trust. ISO makes the process simple, supportive, and affordable so you can focus on their studies, not insurance.
- Affordable Plans
- Nationwide Aetna PPO Network
- Direct Claims Billing
- U.S. Customer Support
Frequently Asked Questions
Yes! ISO insurance plans are designed to meet Harvard's waiver criteria for international students - including the Harvard Law School, Harvard Business School, and T.H. Chan School of Public Health.
ISO's Share, Care and Care Elite for Harvard plans cover expenses related to treatment for injuries/sicknesses – including doctor visits, urgent care, hospitalization, and prescription drugs - as well as enhanced benefits for preventive services and pre-existing conditions.
ISO’s plans are tailored for international students, offering the essential coverage required by Harvard at most affordable rates. While Harvard's student plan costs over $4,500 annually, enrolling with ISO can save you up to $3,500.
ISO plans include access to the Aetna PPO network, giving you a wide range of providers to choose from in the Boston area. You can visit Massachusetts General Hospital, Brigham and Women’s Hospital, and GoHealth Urgent Care - all considered in-network with ISO.
ISO is the proud insurance provider for over 200 Harvard international students. Talk with your friends to see if they're enrolled with ISO!
After you purchase, you will automatically have access to your insurance ID card, confirmation letter, and payment receipt. This will be emailed to you and will also be available for download through your ISO account.