StudentSecure® Insurance
Why do I need international student insurance?
International study can represent financial risk, and many medical insurance policies do not apply beyond the borders of your home country. A StudentSecure 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. However, schools will oftentimes let you purchase your own health coverage elsewhere if you can provide them with proof of coverage which meets their school requirements.
Does StudentSecure meet school and visa requirements?
StudentSecure plans meet the requirements of many schools at a budget-friendly rate. All four plan levels meet or exceed most government and visa requirements, as well, including J-1 visa requirements (F-1 visas do not have a health insurance requirement).
Can you help me provide my school with proof of comparable coverage?
Once you purchase a StudentSecure plan, we will help you provide proof of coverage to your school by providing you with waiver forms and visa letters. Simply submit a request for either form by emailing sales@hccmis.com. 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 Benefits and Limits
| Benefit | 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 | $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, 100% of eligible expenses to the certificate period maximum. |
After the deductible, 100% of eligible expenses to the certificate period maximum. |
After the deductible, 100% of eligible expenses to the certificate period maximum. |
After the deductible, 100% of eligible expenses to the certificate period maximum. |
Medical Benefits and Limits
| Benefit | Elite | Select | Budget | Smart |
|---|---|---|---|---|
|
*Pre-existing Condition Coverage |
6-month waiting period | 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 |
$25,000 lifetime maximum for eligible expenses |
$25,000 lifetime maximum for eligible expenses |
$25,000 lifetime maximum for eligible expenses |
| Intensive Care Unit | Up to overall maximum limit | Up to overall maximum limit | Up to overall maximum limit | Up to overall maximum limit |
| Hospital Room & Board | Average semi-private room rate, including nursing services | Average semi-private room rate, including nursing services | Average semi-private room rate, including nursing services | Average semi-private room rate, including nursing services |
| Outpatient Treatment |
Up to overall maximum limit |
Up to overall maximum limit | Up to overall maximum limit | Up to overall maximum limit |
| Local Ambulance (not subject to coinsurance) | Up to $750 per injury / illness if hospitalized as inpatient | 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 charge (not subject to deductible or coinsurance) |
50% of actual charge (not subject to deductible or coinsurance) | 50% of actual charge (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; and Meningitis (Meningococcal MCV4 and B) (not subject to deductible or coinsurance) |
No coverage |
No coverage | 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 | Up to the overall maximum limit | Up to the overall maximum limit | 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: Maximum of 30 visits. Inpatient: Maximum of 30 days. |
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 $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. |
Up to $250 maximum per tooth; $500 maximum per certificate period. |
Up to $250 maximum per tooth; $500 maximum per certificate period. |
Up to $250 maximum per tooth; $500 maximum per certificate period. |
|
Emergency dental – acute onset of pain (not subject to coinsurance) |
Up to $100. | Up to $100. | Up to $100. | Up to $100. |
| Terrorism | Up to $50,000 lifetime maximum, eligible medical expenses only | Up to $50,000 lifetime maximum, eligible medical expenses only | Up to $50,000 lifetime maximum, eligible medical expenses only | No coverage |
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Emergency Travel Benefits and Limits
| Benefit | Elite | Select | Budget | Smart |
|---|---|---|---|---|
|
Emergency Medical Evacuation |
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 $50,000 lifetime maximum | Up to $25,000 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 |
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 | 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 $5,000, subject to a maximum of 15 days | Up to $1,000, 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 | No coverage | 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 | Up to $100,000 | No coverage | No coverage |
Why choose a StudentSecure plan?
- Budget-Friendly Options. Four plan levels, monthly payment option, and savings for paying full premium in advance.
- Convenience. Buy online and receive your policy documents immediately—then log into Student Zone to manage your policy.
- Renewable. Keep your coverage when your studies last multiple years.
- International Provider Search Engine. Find qualified medical providers and hospitals in countries and territories worldwide.
- Quality customer service. Travel assistance services are available in multiple languages 365 days a year.
Help Me Choose
StudentSecure Elite
- Lowest deductible
- Highest maximum benefits offered
- Meets J-1 visa requirements
- *Pre-existing condition coverage after policy is in effect for 6 months
- Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up)
- Includes Personal Liability coverage
- Offers optional Intercollegiate, Interscholastic, Intramural, or Club Sports rider
- Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses
StudentSecure Select
- Meets J-1 visa requirements
- *Pre-existing condition coverage after policy is in effect for 6 months
- Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up)
- Offers optional Intercollegiate, Interscholastic, Intramural, or Club Sports rider
- Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses
StudentSecure Budget
- Mid-level benefits
- Mid-level deductible
- Meets J-1 visa requirements
- *Pre-existing condition coverage after policy is in effect for 12 months
- Offers optional Intercollegiate, Interscholastic, Intramural, or Club Sports rider
StudentSecure Smart
- Lowest cost plan but also lowest maximum benefits
- Highest deductible
- Meets J-1 visa requirements
- *Pre-existing condition coverage only for the **acute onset of a pre-existing condition
- NO Intercollegiate, Interscholastic, Intramural, or Club Sports rider offered
*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.