StudentSecure® Smart Insurance

StudentSecure study abroad insurance

STUDENTSECURE®

International student insurance with a customized payment plan.

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What is StudentSecure Smart?

For the budget-conscious student, StudentSecure Smart is study abroad insurance that provides coverage for the basic necessities. This secure health insurance coverage is available for full-time international students or scholars studying outside their home country. A Smart policy is perfect for:

  • Students seeking coverage for unexpected illness or injury
  • Scholars traveling on a J-1 or F-1 visa

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 Smart international student 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.

StudentSecure Smart meets both J-1 and F-1 visa requirements, as well as many schools’ 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 Smart Insurance

Insurance Benefits Description

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)
$200,000
Deductible – outside U.S. or within PPO or Student Health Center in the U.S. $50 per injury or illness
Deductible – outside PPO in the U.S. $100 per injury or illness
Coinsurance – claims within the U.S.

80% of eligible expenses following the deductible up to overall maximum

Coinsurance – claims outside the U.S. 100% of eligible expenses to overall maximum
Savings for paying full premium in advance ✔
Pre-existing condition coverage 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

Emergency medical evacuation

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

Repatriation of remains

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

Emergency reunion

(maximum of 15 days, not subject to deductible or coinsurance)
$1,000 lifetime maximum
Terrorism No coverage

Accidental death and dismemberment (AD&D)

(not subject to deductible or coinsurance)

No coverage

Personal liability No coverage

Mental health disorders – inpatient

(includes drug and alcohol abuse)

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

Treatment must not be provided at a student health center

Mental health disorders – outpatient

(includes drug and alcohol abuse)

$50 maximum per day, $500 maximum

Treatment must not be provided at a student health center

Maternity care for covered pregnancy No coverage
Routine nursery care of newborn No coverage
Therapeutic termination of pregnancy $500 maximum per certificate period

Local ambulance

(when illness or injury results in inpatient hospitalization)
$300 per injury or illness
Emergency room deductible—claims incurred in U.S. $350
Intensive care unit ✔
Hospital room & board ✔
Outpatient treatment ✔
Outpatient prescription drugs 50% of actual charges
Intercollegiate, interscholastic, intramural, or club sports coverage No coverage

Physical therapy & chiropractic care

(must be ordered in advance by a physician and not obtained at student health center)
Maximum $25 visit per day

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Why Choose Tokio Marine HCC – MIS Group?

Tokio Marine HCC – MIS Group offers quality customer assistance via our World Service Center. We can help you locate a doctor, learn about safety advisories, and access other important services.

Student Zone

The Tokio Marine HCC – MIS Group Student Zone allows you to set up an online account to manage your StudentSecure Select insurance policy. Using this account, you will be able to:

  • Renew or extend coverage
  • Reprint ID cards
  • Obtain details about claim filings and downloading forms
  • Locate providers within the PPO Network

Customer Service

If you need assistance during your international travel as a student, or if you need assistance with your application, don’t hesitate to contact our multilingual customer support team:

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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.