StudentSecure® Smart Insurance

For the budget-conscious scholar, StudentSecure Smart is international student health insurance that provides coverage for full-time students or scholars studying outside their home country.

StudentSecure Smart is designed for:

  • Students participating in a cultural exchange program
  • International students studying in the USA on a J-1 or F-1 visa
  • International students wanting a budget-friendly alternative to their school's health insurance plan

Why do I need international student insurance?

Studying abroad can represent financial risk in the form of unexpected medical expenses. Many health 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 you experience an unexpected illness or injury during your study abroad program.

What are my options?

Many universities offer their own student health insurance plans to international students. However, these plans are not your only option.

StudentSecure Smart is designed to offer a budget-friendly alternative to those school plans by providing only select benefits, while still meeting J-1 visa requirements (F-1 visas do not have an insurance requirement).

If you're looking for options with more benefits, explore other StudentSecure levels on the comparison page.

Proof of Coverage

Tokio Marine HCC – MIS Group provides student waiver forms and visa letters for students who need to provide proof of coverage to their school. Submit your request for either form by emailing We will fill out the necessary information and send copies of the completed forms to both you and your school. 

You can also download a visa letter through our Student Zone, where you can conveniently manage your StudentSecure policy online.

StudentSecure Smart Benefits and Limits

Benefit Limits

Certificate Period Maximum


Maximum Benefit Per Injury or Illness



(except Emergency Room)

$50 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness.

Emergency Room Deductible

(claims incurred in the U.S. only)

$350 for treatment received in an emergency room.
Coinsurance – Claims Incurred Inside U.S.

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, 100% of eligible expenses to the certificate period maximum.

Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Benefit Limits

Hospital Room and Board

Average semi-private room rate, including nursing services.

Local Ambulance 

Up to $300 per injury/illness if hospitalized as inpatient.

– not subject to coinsurance

Intensive Care Unit Up to the overall maximum limit.
Outpatient Treatment Up to the overall maximum limit.
Outpatient Prescription Drugs

50% of actual charge.

– not subject to deductible or coinsurance

Mental Health Disorders

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

Outpatient:  $50 maximum per day, $500 maximum.
Inpatient:  Up to $5,000.

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.

Outpatient Physical Therapy and Chiropractic Care

(must be ordered in advance by a physician and not obtained at a student health center)

Up to $25 per visit per day.

– not subject to coinsurance

*Pre-existing Condition

No coverage

**Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions)

$25,000 lifetime maximum for eligible expenses

Sports & Activities - Leisure, Recreational, Entertainment, or Fitness

Up to the overall maximum limit.

Maternity Care for Covered Pregnancy

No coverage.

Nursery Care of Newborn

No coverage.


No coverage.

Emergency Travel Benefits

Emergency Travel Benefit Limit

Emergency Medical Evacuation

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

Up to $50,000 lifetime maximum.

Repatriation of Remains

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

Up to $25,000 lifetime maximum.

Emergency Reunion

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

Up to $1,000 subject to a maximum of 15 days.

Accidental Death and Dismemberment (AD&D)

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

No coverage.

Personal Liability

No coverage.

Get a Quote

Get Access to Travel Assistance Services

Tokio Marine HCC – MIS Group offers travel assistance services to customers of StudentSecure Smart. We can provide referrals, translation services, emergency travel assistance, and 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 Smart 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

*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.


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.