A StudentSecure plan can reduce your personal expenses if you face an unexpected injury or
illness throughout the course of your international studies. StudentSecure Elite offers the lowest deductible and highest maximum benefits of all the StudentSecure plans. It is the only StudentSecure
plan to include Personal Liability coverage.
As a StudentSecure policyholder, you'll have access
to multilingual travel assistance services and our Student Zone, where you can download your visa letter, renew your coverage as needed, and manage your policy online.
Highlights:
- Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance
- Pre-Existing Condition coverage after 12 months
- Some Outpatient Prescription Drug coverage and Mental Health coverage
- Optional rider to cover up to $5,000 per injury resulting from intercollegiate, interscholastic, intramural, or club sports
- Monthly payment option (or savings for paying the full premium in advance)
Savings for Paying Full Premium in Advance
Meets J-1 Visa Requirements
Maximum Benefit Per Injury or Illness
Deductible (except emergency room)
$25 per injury or illness within the Preferred Provider Organization (PPO) network or student health center; otherwise $50 per injury or illness.
$25 per illness or injury for treatment received outside the U.S.
Emergency Room Deductible
(claims incurred in the U.S. only)
$100 for treatment received in an emergency room
Coinsurance - Claims Incurred Inside U.S.
Within the PPO
We will pay 100% of eligible expenses, after the deductible, up to the overall maximum limit
Outside the PPO
Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount
Coinsurance - Claims Incurred Outside of U.S.
After the deductible, we will pay 100% of eligible expenses to the certificate period maximum
*Pre-Existing Condition Coverage
**Acute Onset of Pre-Existing Condition
(excludes chronic and congenital conditions)
$25,000 lifetime maximum for eligible expenses
Up to the overall maximum limit
Average semi-private room rate, including nursing services
Up to the overall maximum limit
Local Ambulance
(not subject to coinsurance)
Up to $750 maximum per injury or illness if hospitalized as inpatient
Outpatient Prescription Drugs
Generic Drugs: 100% coinsurance
Brand Name Drugs: 50% coinsurance
Specialty Drugs: No coverage
(not subject to deductible)
Up to $150
Covered vaccinations and testing are:
- Measles/Mumps/Rubella (MMR)
- Tetanus/Diphtheria/Pertussis (TDAP)
- Chicken Pox (Varicella)
- Hepatitis B
- Meningitis (Meningococcal MCV4 and B)
(not subject to deductible or coinsurance)
Maternity Care for Covered Pregnancy
Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness
Up to the overall maximum limit
Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
Up to $5,000 maximum per injury or illness; medical expenses only
Mental Health Disorders
(treatment must not be provided at a student health center)
Outpatient: Maximum of 30 visits
Inpatient: Maximum of 30 days
Outpatient Physical Therapy & Chiropractic Care
(Not subject to coinsurance. Must be ordered in advance by a physician and
not obtained at a student health center.)
Up to $75 per visit per day
Dental Treatment Due to Accident
(not subject to coinsurance)
Up to $250 maximum per tooth; $500 maximum per certificate period
Emergency Dental - Acute Onset of Pain
(not subject to coinsurance)
Up to $50,000 lifetime maximum, eligible medical expenses only
Emergency Medical Evacuation
(not subject to deductible, coinsurance,
or overall maximum limit)
Up to $500,000 lifetime maximum
Repatriation of Remains
(not subject to deductible, coinsurance,
or overall maximum limit)
Up to $50,000 lifetime maximum
Accidental Death and Dismemberment (AD&D)
(not subject to deductible, coinsurance,
or overall maximum limit)
Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 limb: $12,500
Optional AD&D Rider: Additional $25,000 lifetime maximum
Emergency Reunion
(not subject to deductible, coinsurance,
or overall maximum limit)
Up to $5,000, subject to a maximum of 15 days
Personal Liability
(not subject to deductible, coinsurance,
or overall maximum limit)
Up to $250,000 lifetime maximum
Up to $250,000 third person injury or property
Up to $2,500 related third person property
Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response
Fees and Expenses
(not subject to deductible, coinsurance,
or overall maximum limit)
*A pre-existing condition is any condition:
- for which medical advice, diagnosis, care, or treatment was recommended or received within 12 months prior to your effective date of coverage
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 12 months prior to your effective date of coverage
- that existed (with reasonable medical certainty) 12 months prior to your effective date of coverage, whether or not it was known to you
**The acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.
The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset
