StudentSecure® Elite Insurance
For the traveling scholar, StudentSecure Elite offers the lowest deductible and the highest overall maximum limit of the StudentSecure plans. This coverage is available for full-time international students or scholars studying outside of their home country.
StudentSecure Elite is designed for:
- Students looking for the highest maximum benefits
- Scholars traveling on a J-1 or F-1 visa
- Individuals seeking some coverage for a *pre-existing condition
Why do I need international student health insurance?
International study can represent financial risk, and many medical insurance policies do not apply beyond the borders of your home country. A StudentSecure Elite 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 are not your only option. Most schools allow international students to waive the university’s mandated coverage if the student can provide proof of health insurance coverage meeting the school’s requirements.
StudentSecure Elite meets J-1 visa requirements, as well as many schools’ requirements, at a budget-friendly rate. If your university allows you to waive its school plan, you may be asked to provide a signed waiver form or visa letter from your private insurance company.
Tokio Marine HCC – MIS Group provides student waiver forms as well as visa letters to students who need to provide proof of coverage to their schools. Students can submit a request for either form by emailing [email protected]. MIS Group will fill out the necessary information and send copies of the completed forms to both the student and their school.
You can also download a visa letter through our Student Zone, where you can conveniently manage your StudentSecure policy online.
StudentSecure Elite Insurance
| Plan Details | StudentSecure Elite |
|---|---|
|
Meets student visa requirements for J-1 visas (including OPT) |
✔ |
|
Overall Maximum Limit |
$5,000,000 |
|
Deductibles (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. If treatment received outside of U.S., $25 per illness or injury. |
|
Emergency Room Deductible (claims incurred in U.S. only) |
$100 for treatment received in an emergency room. |
| Coinsurance – claims incurred in the U.S. |
|
| In-Network Payment | Within the PPO: We will pay 100% of eligible expenses, after the deductible, up to the overall maximum limit. |
| Out-of-Network Payment | Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
| Coinsurance – claims incurred outside the U.S. |
We will pay 100% of eligible expenses, after the deductible, up to the overall maximum limit. |
|
Savings for paying full premium in advance |
✔ |
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
| Benefit | Limit |
|---|---|
|
Hospital Room and Board |
Average semi-private room rate, including nursing services. |
|
Intensive Care Unit |
Up to the overall maximum limit. |
| Local Ambulance | Up to $750 per injury or illness, when covered illness or injury results in hospitalization as inpatient. – not subject to coinsurance |
| Outpatient Treatment | Up to the overall maximum limit. |
| Outpatient Prescription Drugs |
Generic Drugs: 100% coinsurance Brand Name Drugs: 50% coinsurance. Specialty Drugs: No coverage. (not subject to deductible) |
| Vaccinations |
Up to $150. Covered vaccinations and testing are: Measles, Mumps, Rubella (MMR); Tetanus/Diphtheria/Pertussis (TDAP); Chicken Pox (Varicella); Hepatitis B; and Meningitis (Meningococcal MCV4 and B) (not subject to deductible or coinsurance) |
| Outpatient Physical Therapy and Chiropractic Care |
Up to $75 per visit per day. |
| Intercollegiate, Interscholastic, Intramural, or Club Sports | Up to $5,000 maximum per injury or illness, medical expenses only. |
|
Mental Health Disorders (includes drug abuse and alcohol abuse) |
Treatment must not be provided at a student health center. |
| Dental treatment due to accident |
Up to $250 maximum per tooth; $500 maximum per certificate period. Not subject to coinsurance. |
| Emergency dental (Acute onset of pain) |
Up to $100. Not subject to coinsurance. |
|
Maternity Care for a Covered Pregnancy |
Up to $25,000. |
|
Nursery Care of Newborn |
Up to $750. – not subject to coinsurance |
|
Therapeutic Termination of Pregnancy |
Up to $500. – not subject to coinsurance |
|
*Pre-existing Condition Coverage |
Coverage after policy is in effect for six (6) months. |
|
**Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) |
Up to $25,000 lifetime maximum for eligible medical expenses. |
|
Terrorism |
Up to $50,000 lifetime maximum, eligible medical expenses only. |
| Emergency Travel Benefits | Limit |
|---|---|
|
Emergency Medical Evacuation |
Up to $500,000 lifetime maximum. – not subject to deductible, coinsurance, or overall maximum limit |
|
Repatriation of Remains |
Up to $50,000 lifetime maximum. – not subject to deductible, coinsurance, or overall maximum limit |
| Emergency Reunion | Up to $5,000, subject to a maximum of 15 days. – not subject to deductible, coinsurance, or overall maximum limit |
|
Accidental Death and Dismemberment (AD&D) |
Lifetime Maximum - $25,000 Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 – not subject to deductible, coinsurance, or overall maximum limit |
| Personal Liability |
Up to $250,000 lifetime maximum Up to $250,000 third-person injury Up to $250,000 third-person property $2,500 related third-person property – not subject to deductible, coinsurance, or overall maximum limit |
|
Optional Crisis Response Rider – Ransom, Personal Belongings, and Crisis Response Fees and Expenses |
Up to $100,000. – not subject to deductible, coinsurance, or overall maximum limit |
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 Elite 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:
- Email us at [email protected]
- Call us at (800) 605-2282
*A pre-existing condition is any condition:
-
for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
-
which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
-
that existed (with reasonable medical certainty) 2 years 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.
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Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s. 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 HCC Underwriting Agency Ltd.