Student Secure Insurance

StudentSecure Insurance policy plan review and highlights of coverage, suitable for international students and scholars studying in USA or in any foreign country.

• Eligibility: International students studying (full-time) outside their home country (age more than 14 days). Medical coverage for students, families and groups while studying abroad.
• Dependents: Coverage for students, groups, and/or their spouses and unmarried dependent children traveling with them.
• Plan Choice:  Student Secure offers four levels of benefits: Elite, Select, Budget, and Smart.
• Instant Purchase: Immediate coverage proof available, print virtual ID cards online after purchase.
• Policy Maximum: Plan maximums limits up to $500,000 (Elite), $300,000 (Select), $250,000 (Budget), $200,000 (Smart) plans
• Deductible: Choice of  deductible per incident/accident per insured member.
• Coinsurance: Choice of coinsurance options to pay after meeting the chosen deductible amount.
• Duration: Minimum certificate period of 5 days to maximum coverage renewable up to 48 months, if minimum of one month is purchased.
• PPO Network: NO PPO network, freedom to seek treatment with hospital or doctor of your choice.
• US Visa: Plan meets US student insurance requirements for F-1, F-2, J-1, J-2, M-1. M2 visa.
• Pregnancy/Childbirth: Maternity/newborn care included in coverage.
• Mental health covered, benefits include access of Student Health Center.
• MedEvac: Emergency medical evacuation coverage available
• Sports: College sports participation is included in coverage
• Vaccines: COVID-19/SARS-CoV-2 vaccine added to eligible list of covered vaccines (benefit amount remains at $150)
• Other Features: Return of Mortal Remains, Incidental Home Country Coverage.
• Coverage Benefits: Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits. Covered charges is provided for eligible expenses and/or benefits only, examples include instances of Hospital Room and Board, Intensive Care Unit (ICU), Local Ambulance, Prescription Drugs, Physician visits, Surgeon Fees, Hospital Emergency Room (ER), Pre-admission tests and/or Diagnostics: X-Rays, Labs, MRI, etc. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits. Only eligible expenses and/or benefits are included, not all treatment instances are covered, not all Rx drugs covered including ongoing prescriptions, please refer to the “Exclusions” section as in the “Description of Coverage” sample document for list of plan exclusions.
• Pre-Existing Conditions: Coverage for Acute onset of pre-existing conditions is available with this plan, provides up to selected Medical Maximum per coverage period, and up to $25K per coverage period for Emergency Medical Evacuation.
• Exclusions: Please refer to the “Description of Coverage” sample document for entire list of excluded items and exact policy term definitions.
• Underwriter: Policy is underwritten by Lloyd’s, the oldest and largest insurance market in the world.
• Administrator: WorldTrips (formerly Tokio Marine HCC – Medical Insurance Services Group) is a coverholder at Lloyd’s, and the plan administrator.

Review of the Student Secure Insurance plan brochure for coverage information and summary of benefits along with broad outline of the policy features.

• Plan Brochure: Review of the Student Secure Insurance Brochure for policy information, coverage features and plan summary of benefits.

Review of the Student Secure Insurance plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.

• Description of Coverage: Review all the policy details available in the Student Secure Insurance Description of Coverage which is the sample document certificate.

Student Secure plan has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.

• Provider Network: Search for providers within the PPO network to save on co-insurance charges using Student Secure Insurance Provider Network.

Quote/Apply/Buy StudentSecure Insurance instantly online or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Student Secure Insurance coverage with online application.
• Application Form: Complete, mail/fax the Student Secure Insurance Paper Application along with premium payment.

StudentSecure Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the policy coverage dates using StudentSecure Insurance Renew Online.

Tokio Marine HCC – MIS Group’s StudentSecure Insurance client zone for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

• Client Zone: Access the Student Secure Insurance Client Zone for existing policyholders.
• Claim Form: Submit the Student Secure Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.

Below are the rules pertaining to cancellation of the policy and refund of premium.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
• Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.