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StudentSecure®

Pursuing your education outside your home country? Get StudentSecure insurance.

1 Month to 1,456 Days

Why Choose StudentSecure® ?

We take the guesswork out of insurance for individuals in study abroad programs with StudentSecure, a plan designed specifically to meet the needs of international students and scholars.

StudentSecure meets or exceeds U.S. government student visa requirements. The four levels of coverage - Elite, Select, Budget and Smart - ensure you can find the appropriate plan. Each plan includes coverage for eligible medical expenses, emergency medical evacuation, and repatriation of remains.

Do I need study abroad insurance?

If you are a student or scholar planning to pursue your education outside your home country, you will need a plan to pay for your medical expenses. Most student visas and learning institutions have a specific list of health insurance requirements for foreign students. You may also find the coverage from your home country will not follow you while you are studying abroad. StudentSecure is a budget-friendly solution.

After purchasing coverage, how can I trust the company to be there if I need them?

Tokio Marine HCC – MIS Group, headquartered in the USA in Indianapolis, Indiana, is a full-service company offering international travel medical insurance products designed to meet needs of consumers worldwide.

Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies and individuals, acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, as many of our nearly 2,500 employees are industry-leading experts.

Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $30 billion.* Tokio Marine HCC holds a financial strength rating of AA- for Standard & Poor’s and Fitch Ratings and A++ (Superior) by A.M. Best Company.**

For more information about StudentSecure, please call us.

* As of 10/26/2017. ** At the time of printing. For more information on these ratings, please visit: www.standardandpoors.com, www.ambest.com, and www.fitchratings.com.

Benefits of StudentSecure®

BenefitEliteSelectBudgetSmart
Certificate period maximum$500,000$300,000$250,000$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 within the PPO network, outside the U.S. or at a student health center; otherwise $50 per injury or illness$35 per injury or illness within the PPO network, outside the U.S. or at a student health center; otherwise $70 per injury or illness$45 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $90 per injury or illness$50 per injury or illness within the PO 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)$100 for treatment received in an emergency room$200 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.
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
BenefitElite LimitSelect LimitBudget LimitSmart Limit
Hospital room & boardAverage semi-private room rate, including nursing services
Local ambulance (Not subject to coinsurance)Up to $750 per injury / illness if hospitalized as inpatientUp to $500 per injury / illness if hospitalized as inpatientUp to $300 per injury / illness if hospitalized as inpatient
Intensive care unitUp to the overall maximum limit
Outpatient treatmentUp to the overall maximum limit
Outpatient prescription drugs
(Not subject to deductible or coinsurance)
80% of actual charge50% of actual charge
Mental health disorders (Treatment must not be provided at a student health center)Outpatient: Maximum of 30 visits. Inpatient: Maximum of 30 days.Outpatient: $50 maximum per day, $500 maximum. Inpatient: Up to $10,000 maximum.Outpatient: $50 maximum per day, $500 maximum. Inpatient: Up to $5,000.
Dental treatment due to accidentUp to $250 maximum per tooth; $500 maximum per certificate period. Not subject to coinsurance.No coverage
Dental treatment to alleviate painUp to $100. Not subject to coinsurance.No coverage
Pre-existing condition6-month waiting period12-month waiting periodNo coverage
Acute onset of pre-existing condition (excludes chronic and congenital conditions)$25,000 lifetime maximum for eligible expenses
Maternity care for a covered pregnancyUp to the overall maximum.Up to $10,000.Up to $5,000.No coverage
Nursery care of newborn (not subject to coinsurance)Up to $750.Up to $250.No coverage
Therapeutic termination of pregnancyUp to $500. Not subject to coinsurance.
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 dayUp to $50 per visit per dayUp to $25 per visit per day
Intercollegiate, interscholastic, intramural, or club sportsUp to $5,000 maximum per injury or illness; medical expenses onlyUp to $3,000 maximum per injury or illness; medical expenses onlyNo coverage
TerrorismUp to $50,000 lifetime maximum. Eligible medical expenses only.No coverage
Emergency Travel BenefitElite LimitSelect LimitBudget LimitSmart Limit
Emergency medical evacuation (Not subject to deductible or coinsurance.)Up to $500,000 lifetime maximumUp to $300,000 lifetime maximumUp to $250,000 lifetime maximumUp to $50,000 lifetime maximum
Emergency reunion (Not subject to deductible or coinsurance.)Up to $5,000, subject to a maximum of 15 daysUp to $1,000, subject to a maximum of 15 days
Accidental death & dismemberment (Not subject to deductible or coinsurance.)Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
No coverage
Repatriation of remains (not subject to deductible, coinsurance, or overall maximum limit)Up to $50,000 lifetime maximumUp to $25,000 lifetime maximum
Personal Liability (Not subject to deductible or coinsurance.)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

What's Covered by StudentSecure® ?

Pre-Existing Conditions

After six months of continuous coverage, StudentSecure Elite and StudentSecure Select will provide benefits for pre-existing conditions (12 months for StudentSecure Budget). A pre-existing condition is generally defined as any injury or illness which, within the 12 months prior to the effective date of coverage, manifested itself (whether known or unknown), exhibited symptoms, or required medical treatment or medication, or for which a physician was consulted. Please refer to the certificate of insurance for the complete definition.

Acute Onset of a Pre-Existing Condition

Individuals who purchase a StudentSecure plan are entitled up to a $25,000 lifetime maximum for the acute onset of a pre-existing condition. 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. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. All other expenses related to pre-existing conditions are not covered with StudentSecure Smart.

Organized Sports Activities

Medical expenses for injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure plan up to a maximum of $5,000 per injury or illness on StudentSecure Elite and Select and up to $3,000 per injury or illness on StudentSecure Budget. StudentSecure Smart does not provide coverage for organized sports activities.

Mental Health Disorders

StudentSecure provides benefits for mental health disorders. Drug and alcohol abuse are covered under this benefit on the Elite, Select and Budget plan levels. Treatment for mental health disorders is covered only if not obtained from a student health center.

Emergency Dental

The following emergency dental expenses are covered: emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident which is covered under this insurance subject to a maximum of $250 per tooth and $500 certificate period maximum; and emergency dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per certificate period. Emergency Dental benefits are available on the Elite, Select and Budget plans only.

Emergency Medical Evacuation

Would you know what to do if you found yourself in a life-threatening situation far from home? We are experienced in arranging emergency medical evacuations. StudentSecure will cover eligible expenses necessary to transport you from an initial treating facility to the nearest medical facility qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. StudentSecure will also cover the transportation, lodging, and meal costs for a relative to join you after a covered emergency medical evacuation, up to the lifetime limit.

Terrorism

In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, StudentSecure Elite, Select, and Budget offer coverage for eligible medical expenses resulting from these acts. Coverage excludes countries for which the U.S. Department of State has issued a travel warning.

Repatriation of Remains

What would your family do if disaster strikes while you are away from home? The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, StudenSecure will arrange for and cover eligible costs associated with the repatriation of your remains.

The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by the administrator or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

Enrollment and Filing a Claim

To be eligible for the StudentSecure, participants must meet all of the following requirements

  • Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week; or must be a Full-time High School Student.
  • The Full-time Student / Scholar status requirement is waived for Participants within the US holding a valid F1 (including those students on OPT) or J1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.
  • Must be residing outside home country for the purpose of pursuing international educational activities.
  • Must not have obtained residency status in the Host Country.

Participants visiting the US must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.

Home Country Coverage

For every three month period during which the Member is covered hereunder, medical expenses incurred in the member’s home country are covered up to a maximum of 15 days.

Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

Benefit Period Medical Coverage

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, Underwriters will pay eligible medical expenses, as defined herein, for up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to a condition for which the member was hospitalized as an inpatient on the termination date of the certificate.

Extending or Renewing Coverage

You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last six months of a certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. After four years of continuous coverage or any break in coverage, a new plan must be purchased. A new application is required and you must re-satisfy your deductible, coinsurance, pre-existing condition provisions, and all other benefit limits. Extensions and renewals must be made online with payment by credit card.

Cancellations and Refunds

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  1. A $25 cancellation fee will apply
  2. Only premium for unused whole-months of the plan will be refunded
  3. Only members who have no claims are eligible for premium refund
  4. When payment is made in full at the time of purchase, no refunds are granted after 60 days

Outstanding Customer Service

Student Zone and World Service Center

StudentZone is an online account management and resource tool available to:

  • Renew coverage and reprint ID cards
  • Obtain details about claim filing and downloading forms
  • Locate providers within the PPO Network

You can access Student Zone by logging in at Client Center

If you prefer to speak to a professional service representative, call toll-free from various countries. The World Service Center can provide service in many different languages.

Worldwide Travel and Medical Assistance

StudentSecure® includes valuable travel and medical assistance services, which are available 7 days a week, 365 days a year. Contact us to access any of these services.

Medical Monitoring

Consultations with attending medical professionals during hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding medical status.

Provider Referrals

Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.

Travel Document Replacement

Assistance obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.

Lost Luggage Assistance

Tracking service to assist in locating luggage or other items lost in transit.

Other Travel Assistance Services*

  • Prescription drug replacement
  • Emergency travel arrangements
  • Dispatch of physician
  • Translation assistance
  • Credit card / Traveler's check replacement

For a complete list of available assistance services or for more information, please contact us. Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.

Daily Rates

Coverage Excluding the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$3.81$2.73$1.58$1.18
18-24$3.06$2.17$1.28$0.95
25-30$3.06$2.17$1.28$1.08
31-40$6.64$4.73$2.93$2.17
41-50$14.93$10.65$7.36$3.88
51-64*$19.00$13.58$9.99$5.62

Coverage Including the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$5.10$3.65$1.81$1.28
18-24$4.08$2.93$1.45$0.95
25-30$8.61$6.15$2.47$2.10
31-40$17.49$12.49$5.95$4.31
41-50$31.07$22.19$10.59$7.56
51-64*$41.85$29.92$14.24$10.22

Monthly Rates

Coverage Excluding the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$116$83$48$36
18-24$93$66$39$29
25-30$93$66$39$33
31-40$202$144$89$66
41-50$454$324$224$118
51-64*$578$413$304$171

Coverage Including the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$155$111$55$39
18-24$124$89$44$29
25-30$262$187$75$64
31-40$532$380$181$131
41-50$945$675$322$230
51-64*$1,273$910$433$311

Rates are effective 04/01/2016. Rates are subject to change.
*Applicants 65+ years of age may contact us for further assistance.

To be eligible for a full refund, the request for cancellation must be received prior to the policy effective date. Cancellation requests received after the policy effective date will be subject to the following conditions: (1) A $25 cancellation fee will apply (2) Only the unused portion of the plan cost will be refunded (unused whole- months in the case of Monthly Payments) (3) Only members who have no claims are eligible for premium refund (4) After 60 days, no refunds are granted.

Administrator

Tokio Marine HCC - MIS Group
251 North Illinois Street, Suite 600
Indianapolis, IN 46204

FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470
Website: www.insubuy.com

StudentSecure is underwritten by Lloyd’s, London. Tokio Marine HCC Medical Insurance Services Group (MIS Group) is a service company that is regulated by the State of Indiana in our capacity as Third Party Administrator. 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.

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. In no event will Underwriters provide benefits in excess of those specified in the policy documents, and this insurance is not subject to guaranteed issuance or renewal. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents nd citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

Version: KHE2FFFYH6SP-152-1016
11/15/2017

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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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.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

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

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

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

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

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

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

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

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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