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Student
Secure®
Insurance


International Student Health Insurance for

Study Abroad Students

StudentSecure is international student health insurance for full-time students and scholars studying outside of their home country. The StudentSecure series offers four levels of coverage–Elite, Select, Budget, and Smart–so you can choose the plan that best fits your needs and budget.

StudentSecure Is Designed for International Students Seeking:

  • Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements
  • Coverage that meets the requirements of many programs and schools at a budget-friendly rate
  • Important medical benefits, including some Outpatient Prescription Drug coverage and some Mental Health coverage
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International Student Health

Insurance Benefits

  • StudentSecure®
    Insurance
  • Policy
    Documentation
  • Insurance
    Exclusions

A StudentSecure plan can reduce your personal expenses if you face an unexpected injury or
illness throughout the course of your international studies. All four plans include multilingual travel assistance services and access to our
Student Zone, where you can download your visa letter, renew your coverage as needed, and
manage your policy online.

Highlights:

  • Meets J-1 visa requirements
  • Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance included
  • Coverage for leisure sports and activities included, as well as some outpatient prescription drug coverage and mental health coverage
  • Monthly payment option (or savings for paying the full premium in advance)
Plan Details
Elite
Select
Budget
Smart

Savings for Paying Full Premium in Advance


Meets J-1 Visa Requirements


Overall Maximum Benefit

$5,000,000

$600,000

$500,000

$200,000


Maximum Benefit Per Injury or Illness

$500,000

$300,000

$250,000

$100,000


Deductible (except emergency room)

$25 per injury or illness

$35 per injury or illness

$45 per injury or illness

$50 per injury or illness


Emergency Room Deductible (claims incurred in the U.S. only)

$100 for treatment received in an emergency room

$200 for treatment received in an emergency room

$350 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

Within the PPO
We will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to the overall maximum limit

 

Outside the PPO
Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount

Within the PPO
We will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to the overall maximum limit

 

Outside the PPO
 
Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount

Within the PPO
We will pay 80% 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

Medical Benefit
Elite Limit
Select Limit
Budget Limit
Smart Limit

*Pre-Existing Condition Coverage

 6-month waiting period

12-month waiting period

No Coverage


**Acute Onset of Pre-Existing Condition

 

(excludes chronic and congenital conditions)

 $25,000 lifetime maximum for eligible expenses


Intensive Care Unit

 Up to the overall maximum limit


Hospital Room & Board

 Average semi-private room rate, including nursing services


Outpatient Treatment

 Up to the overall maximum limit


Local Ambulance

 

(not subject to coinsurance)

Up to $750 per injury / illness if hospitalized as inpatient

Up to $500 per injury / illness if hospitalized as inpatient

Up to $300 per injury / 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)

50% of actual charges (not subject to deductible or coinsurance)


Vaccinations

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)

No coverage


Maternity Care for Covered Pregnancy

Up to $25,000

Up to $10,000

Up to $5,000

No coverage


Nursery Care of Newborn

Up to $750 Up to $750

Up to $250

No coverage


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

Up to $5,000
maximum per injury
or illness; medical expenses only

Up to $3,000
maximum per injury
or illness; medical expenses only

No coverage


Mental Health Disorders

 

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

Outpatient: Maximum of 30 visits
 

Inpatient: Maximum of 30 days

Outpatient: $50 maximum per day, $500 maximum
 

Inpatient: Up to $5,000


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

Up to $50 per visit per day

Up to $25 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 $100 


Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only

No Coverage

Emergency
Travel Benefit
Elite Limit
Select Limit
Budget Limit
Smart Limit

Emergency Medical Evacuation

 

(not subject to deductible, coinsurance, or overall maximum limit)

Up to $500,000 lifetime maximum

Up to $300,000 lifetime maximum

Up to $250,000 lifetime maximum

Up to $50,000 lifetime maximum


Repatriation of Remains

 

(not subject to deductible, coinsurance, or overall maximum limit)

Up to $50,000 lifetime maximum

Up to $25,000 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

No coverage


Emergency Reunion

 

(not subject to deductible,
coinsurance, or
overall maximum limit)

Up to $5,000, subject to a maximum of 15 days

Up to $1,000, 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

No coverage


Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses

 

(not subject to deductible, coinsurance, or overall maximum limit)

Up to $100,000

No coverage


*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

Certain types of medical expenses are excluded from coverage under StudentSecure insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.

  • Pre-existing conditions are excluded during the first six (6) months of coverage under StudentSecure Elite and Select and are excluded during the first twelve (12) months of coverage under StudentSecure Budget. Pre-existing conditions are excluded throughout coverage under StudentSecure Smart, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains.

NOTE: 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) with 12 months prior to your effective date of coverage, whether or not it was known to you
  • Immunizations and routine medical examinations, except under StudentSecure Elite as provided for under the Vaccination benefit
  • Routine pre-natal care, pregnancy, childbirth, and post-natal care, unless directly related to a covered pregnancy
  • Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports (see Description of Coverage for full list of excluded sports).


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Why Do I Need

International Student Health Insurance?

There are several reasons to consider an international student health plan like StudentSecure for your overseas studies:

  • To Meet Visa Requirements: Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
    As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Student Zone, where you can conveniently manage your policy online.
  • To Meet Your Study Abroad Program or School Requirements: Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
    Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to [email protected] We will send completed copies of the form(s) to you and your school.
  • To Cover Unexpected Medical Expenses: Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.

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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.