StudentSecure® Elite Insurance

What is StudentSecure Elite insurance?

For the traveling scholar, StudentSecure Elite is top-tier study abroad insurance. This coverage is available for full-time international students or scholars studying outside their home country. The Elite policy 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 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 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 from your private insurance company or some other proof of accepted insurance coverage.

Tokio Marine HCC – MIS Group provides 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 [email protected]. MIS Group will fill out the necessary information and send copies of the completed forms to both the student and their school. 

StudentSecure Elite Insurance

Plan Details StudentSecure Elite

Meets student visa requirements for J-1 visas

(including OPT)

Overall Maximum Limit



(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

80% of actual charges.
not subject to deductible or coinsurance

Outpatient Physical Therapy and Chiropractic Care

Up to $75 per visit per day.
not subject to coinsurance

Must be ordered in advance by a physician and not obtained at a student health center.

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.

Outpatient: Maximum of 30 visits.
Inpatient: Maximum of 30 days.

Maternity Care for a Covered Pregnancy

Up to the overall maximum limit.

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.


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

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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 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:

Get a StudentSecure Quote


Tokio Marine HCC - MIS Group international insurance products are underwritten by Lloyd’s, London. 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.