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StudentSecure Budget Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this information. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information, as it is not possible to accurately represent all the details in concise information such as follows, or call us for further details. If there is any discrepancy between this information and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Vision (eyeglasses, etc.) is not covered in any of the plans.

General

StudentSecure® Budget
Comprehensive
US - Within PPO: After deductible, pays 80% to $25,000, then 100% to policy maximum. US - Outside PPO: After deductible, plan pays Usual, Reasonable and Customary to policy maximum. Outside US: After deductible, plan pays 100% to policy maximum.
$45 per injury or illness

Medical - Outpatient

To policy maximum
To policy maximum
To policy maximum In US: $350 deductible/visit
50% of actual charges
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatment And Services

60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included. Optional: School/Club Sports - $3,000 per injury/illness.
$500 per injury/illness, if covered injury/illness results in hospital admission.
$5,000. Pregnancy must begin after effective date.
Maximum of 30 days. Cannot be provided at a Student Health Center.
Maximum of 30 visits. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $50 per day

Must be ordered in advance by a physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
On effective date, $25,000 for Acute Onset only. After 12 month waiting period, same as any other eligible expense.
$250
$500
-
-
Included

Dental

$100 - Not subject to deductible or coinsurance
$250 per tooth; $500 maximum

Plan Features

Before effective date, full refund. After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 1456 days
$0
-
Email
Postal Mail
Courier
Per Incident
$45 0-64
Per Incident
$250,000 0-64
WorldTrips
Lloyd's

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  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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Most schools require international students to purchase health insurance.

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