StudentSecure Elite Insurance

StudentSecure Elite Insurance is ideal for international students pursuing their education outside their home country with lowest deductible and offers maximum benefits. This plan meets J-1 visa requirements, covers pre-existing condition coverage after policy is in effect for 6 months and some intercollegiate, interscholastic, intramural, or club sports coverage. There are some optional add-ons which you can buy.
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Age
Start Date
End Date
Coverage
Citizenship


Insurance Provider
Insurance Provider
Tokio Marine HCC
Underwriter
Underwriter
Underwritten by Lloyd's London
Policy Maximum
Certificate period maximum
$1,000,000
Maximum benefit per injury or illness
$500,000
Deductible Options
Deductible Options?
$25 per injury or illness within PPO network, outside US or at student health center; otherwise $50 per injury or illness
Best Rating
Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-

Tokio Marine HCC(HCCMIS) StudentSecure Elite plan summary

eligibility Eligibility
  • Individuals up to the age of 65 years.
  • Individuals 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.
  • The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa including those students on OPT or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
  • Must be residing outside his or her Home Country for the purpose of pursuing international educational activities
  • Must not have obtained residency status in the Host Country.
  • Participants in the U.S. must hold a valid education related Visa. A copy of the I-20 or DS2019 may be requested.

Coinsurance Coinsurance?
  • Inside the United States
    • In ppo network: Plan pays 100% of eligible expenses, after the deductible, up to the overall maximum limit.
    • Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Outside the United States
    • After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.

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Plan Benefits of StudentSecure Elite Insurance

Benefits Coverage
Hospital room & board Average semi-private room rate, including nursing services
Local ambulance Up to $750 per injury / illness if hospitalized as inpatient
Intensive care unit Up to overall maximum limit
Outpatient treatment Usual, reasonable, and customary charges
Outpatient prescription drugs Generic drugs: 100% coinsurance; Brand name drugs: 50% coinsurance
Mental health disorders Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days
(Treatment must not be obtained at a Student health center.)
Vaccinations Up to $150
Dental treatment due to accident Up to $250 maximum per tooth; $500 maximum per certificate period
Emergency dental Up to $100 for acute onset pain. Not subject to deductible or coinsurance
Pre-existing condition 6-month waiting period
Acute onset of pre-existing condition $25,000 lifetime maximum for eligible expenses (excludes chronic and congenital conditions)
Maternity care for a covered pregnancy Up to $25,000
Routine nursery care of newborn Up to $750 maximum. Not subject to deductible or coinsurance
Therapeutic termination of pregnancy Up to $500 maximum per certificate period
Physical therapy & chiropractic care Up to $75 per visit per day
Intercollegiate, interscholastic, intramural, or club sports Up to $5,000 maximum per injury or illness, medical expenses only
Terrorism Up to $50,000 maximum lifetime limit
Emergency medical evacuation Up to $500,000 lifetime maximum. Not subject to deductible or coinsurance.
Emergency reunion Up to $5,000, maximum of 15 days
Accidental death & dismemberment Up to $25,000 lifetime maximum
Repatriation of remains Up to $50,000 lifetime maximum (not subject to deductible or coinsurance)
Personal Liability Up to $250,000 lifetime maximum

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