StudentSecure® Insurance

StudentSecure study abroad insurance

STUDENTSECURE®

International student insurance with a customized payment plan.

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What is StudentSecure insurance?

StudentSecure is international student health insurance for full-time students or scholars studying outside their home country. StudentSecure offers four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the coverage and cost that fit your needs and budget.

Why do I need international student insurance?

International study can represent financial risk, and many medical insurance policies do not apply beyond the borders of your home country. A StudentSecure health plan can reduce your personal expenses if an unexpected illness or injury should occur during your study abroad program.

What are my options?

Many universities offer their own student health insurance plans to international students. However, university-sponsored plans can be expensive. Most schools allow international students to waive the university’s mandated coverage if the student can provide proof of comparable health insurance coverage.

All StudentSecure plans meet both J-1 and F-1 visa requirements, as well as most school requirements, at an affordable rate. If your university allows you to waive its school plan, you may be asked to provide a signed waiver form from your private insurance company or some other proof of accepted insurance coverage.

Tokio Marine HCC – MIS Group provides both student waiver forms as well as visa letters for students who need to provide proof of coverage to their schools. Students can submit a request for either form by emailing sales@hccmis.com. MIS Group will fill out the necessary information and send copies of the completed forms to both the student and their school. 

 

StudentSecure Features and Benefits

Summary Elite Select Budget Smart

Meets student visa requirements for both F-1 and J-1 visas

(including OPT)

Overall maximum benefit

(excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Repatriation of Remains, Emergency Reunion, and Personal Liability)
$500,000 $300,000 $250,000 $200,000
Deductible – outside U.S. or within PPO or Student Health Center in the U.S. $25 per injury or illness $35 per injury or illness $45 per injury or illness $50 per injury or illness
Deductible – outside PPO in the U.S. $50 per injury or illness $70 per injury or illness $90 per injury or illness $100 per injury or illness
Coinsurance – claims within the U.S.

Within the PPO:  100% of eligible expenses after deductible to overall maximum.


Outside the PPO:
80% of the next $5,000 of eligible expenses after deductible, then 100% to overall maximum
80% of next $5,000 of eligible expenses following the deductible, then 100% to overall maximum 80% of next $25,000 of eligible expenses following the deductible, then 100% to overall maximum 80% of eligible expenses following the deductible up to overall maximum
Coinsurance – claims outside the U.S. 100% of eligible expenses to overall maximum 100% of eligible expenses to overall maximum 100% of eligible expenses to overall maximum 100% of eligible expenses to overall maximum
Savings for paying full premium in advance
Pre-existing condition coverage

Covered after policy is in effect for six (6) months

No waiting period for charges resulting from an acute onset of pre-existing conditions, an emergency medical evacuation, or repatriation of remains

Covered after policy is in effect for six (6) months

No waiting period for charges resulting from an acute onset of pre-existing conditions, an emergency medical evacuation, or repatriation of remains

Covered after policy is in effect for twelve (12) months

No waiting period for charges resulting from an acute onset of pre-existing conditions, an emergency medical evacuation, or repatriation of remains
Coverage only for the acute onset of a pre-existing condition

Acute onset of pre-existing condition

(excludes chronic and congenital conditions)
$25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses

Emergency medical evacuation

(not subject to deductible or coinsurance)
$500,000 $300,000 $250,000 $50,000

Repatriation of remains

(not subject to deductible or coinsurance)
$50,000 maximum $25,000 maximum $25,000 maximum $25,000 maximum

Emergency reunion

(maximum of 15 days, not subject to deductible or coinsurance)
$5,000 lifetime maximum $5,000 lifetime maximum $1,000 lifetime maximum $1,000 lifetime maximum
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only $50,000 maximum lifetime limit, eligible medical expenses only $50,000 maximum lifetime limit, eligible medical expenses only No coverage

Accidental death and dismemberment (AD&D)

(not subject to deductible or coinsurance)

$25,000 lifetime maximum

Optional AD&D Rider: Additional $25,000 lifetime maximum

$25,000 lifetime maximum

Optional AD&D Rider: Additional $25,000 lifetime maximum

No coverage No coverage
Personal liability $250,000 No coverage No coverage No coverage

Mental health disorders – inpatient

(treatment must not be provided at a student health center)

80% inside PPO, 60% outside PPO, maximum of 30 days

(includes drug and alcohol abuse)

80% inside PPO, 60% outside PPO, maximum of 30 days

(includes drug and alcohol abuse)

Usual, reasonable, and customary charges up to $10,000

(includes drug and alcohol abuse)

Usual, reasonable, and customary charges up to $5,000

Mental health disorders – outpatient

(treatment must not be provided at a student health center)

80% inside PPO, 60% outside PPO, maximum of 30 visits

(includes drug and alcohol abuse)

80% inside PPO, 60% outside PPO, maximum of 30 visits

(includes drug and alcohol abuse)

$50 maximum per day, $500 maximum

(includes drug and alcohol abuse)
$50 maximum per day, $500 maximum
Maternity care for covered pregnancy 80% up to lifetime maximum inside PPO, 60% up to lifetime maximum outside PPO 80% up to $10,000 within the PPO, 60% up to $10,000 outside PPO 80% up to $5,000 maximum inside PPO, 60% up to $5,000 maximum outside PPO No coverage
Nursery care of newborn $750 maximum per certificate period $750 maximum per certificate period $250 maximum per certificate period No coverage
Therapeutic termination of pregnancy $500 maximum per certificate period $500 maximum per certificate period $500 maximum per certificate period $500 maximum per certificate period

Local ambulance

(when illness or injury results in inpatient hospitalization)
$750 per injury or illness $750 per injury or illness $500 per injury or illness $300 per injury or illness
Emergency room deductible—claims incurred in U.S. $100 $200 $350 $350
Intensive care unit
Hospital room & board
Outpatient treatment
Outpatient prescription drugs

80% of actual charges

50% of actual charges 50% of actual charges 50% of actual charges
Intercollegiate, interscholastic, intramural, or club sports coverage $5,000 per injury $5,000 per injury $3,000 per injury No coverage

Physical therapy & chiropractic care

(must be ordered in advance by a physician and not obtained at student health center)
Maximum $75 visit per day Maximum $50 visit per day Maximum $50 visit per day Maximum $25 visit per day
Optional crisis response rider – Ransom, Personal Belongings, and Crisis Response Fees and Expenses $100,000 lifetime maximum $100,000 lifetime maximum No coverage No coverage


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Why choose a StudentSecure plan?

  • Affordability. Four plan levels, monthly payment option, and savings for paying full premium in advance.
  • Convenience. Buy online and receive your policy documents immediately—then log into Student Zone to manage your policy.
  • Protection against unforeseen medical expenses. Coverage for hospitalizations, local ambulance, emergency medical evacuation, and more.
  • Wide provider network. Medical providers are available in over 130 countries and territories worldwide.
  • Quality customer service. Full line of travel assistance services available in multiple languages 365 days a year.

Help Me Choose

StudentSecure Elite

  • Lowest deductible
  • Highest maximum benefits offered
  • Meets both J-1 and F-1 visa requirements
  • Pre-existing condition coverage after policy is in effect for 6 months
  • Some intercollegiate, interscholastic, intramural, or club sports coverage
  • Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up)
  • Includes Personal Liability coverage
  • Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses

StudentSecure Select

  • Meets both J-1 and F-1 visa requirements
  • Pre-existing condition coverage after policy is in effect for 6 months
  • Some intercollegiate, interscholastic, intramural, or club sports coverage
  • Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up)
  • Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses

StudentSecure Budget

  • Mid-level benefits
  • Mid-level deductible
  • Meets both J-1 and F-1 visa requirements
  • Pre-existing condition coverage after policy is in effect for 12 months
  • Some intercollegiate, interscholastic, intramural, or club sports coverage

StudentSecure Smart

  • Great for students with limited budgets
  • Lowest maximum benefits
  • Highest deductible
  • Lowest premium
  • Meets both J-1 and F-1 visa requirements
  • Pre-existing condition coverage only for the acute onset of a pre-existing condition
  • NO intercollegiate, interscholastic, intramural, or club sports coverage

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Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC – International Group.