International Student Health Insurance

Medical emergencies are scary enough when you’re in your home country, let alone a foreign country where you may be unfamiliar with the healthcare system.

With an international student health insurance policy like StudentSecure, you’ll be covered for the cost of a local ambulance to transport you to the hospital for covered injuries or illnesses that result in hospitalization as well as hospital room and board.

You’ll also have coverage for all other eligible medical expenses, including physician charges, diagnostic testing, and more.

Additionally, StudentSecure plans provide access to provider referrals, translation services, and other travel assistance services. These services are available in multiple languages 365 days a year.

All four StudentSecure plans include coverage for leisure, recreational, entertainment, and fitness-related sports and activities. If your injury does not stem from any policy exclusions, you’ll be covered for all eligible medical expenses related to your broken leg (up to your policy’s overall maximum limit).

These medical expenses might include charges for hospital room and board, nursing services, physician services, diagnostic testing, surgery, sutures, casts, and more.

NOTE: StudentSecure Elite and Select also include coverage for medical expenses resulting from injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports.

Be sure to review the StudentSecure Description of Coverage for conditions and exclusions related to sports and activities.

Thankfully, all four StudentSecure plans include a benefit for emergency dental treatment. This benefit pays up to $500 for emergency dental treatment necessary to restore or replace the natural teeth you lose or damage in a covered accident.

All four StudentSecure plans provide some coverage for treatment of mental health disorders and psychiatric illnesses listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders by the American Psychiatric Association.

Under StudentSecure Elite, you’re covered for a maximum of 40 physician office visits. If you seek inpatient treatment, you’re covered for a maximum of 40 days.

Under StudentSecure Select and Budget, you’re covered for a maximum of 30 physician office visits. If you seek inpatient treatment, you’re covered for a maximum of 30 days.

Under StudentSecure Smart, you’re covered for up to $500 for physician office visits and up to $5,000 for inpatient treatment. Drug abuse and alcohol abuse are excluded under StudentSecure Smart.

IMPORTANT NOTE:

Mental health treatment provided at a student health center is not covered under any StudentSecure plan. It’s also important to note that coverage for *pre-existing mental health disorders is excluded:

• during the first 6 months of coverage under StudentSecure Elite and Select
• during the first 12 months of coverage under StudentSecure Budget
• throughout coverage under StudentSecure Smart

*A mental health disorder counts as pre-existing if it existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, with reasonable medical certainty, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date. This includes any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

All four StudentSecure plans cover eligible medical expenses resulting from your hospitalization and medical treatment.

StudentSecure plans also include an Emergency Reunion benefit. If you are hospitalized for 5 days of longer, this benefit can cover roundtrip transportation, up to the benefit maximum, to bring one of your relatives to the area where you are hospitalized so they can be by your side. This benefit also covers reasonable costs of lodging and meals for your relative for a period of up to 15 days.