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. It as a monthly payment option.
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Insurance Provider
Insurance Provider
Tokio Marine HCC
Underwritten by Lloyd's London
Policy Maximum
Certificate period maximum
Maximum benefit per injury or illness
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
  • 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.


(877) 340-7910

underwriters Restrictions
StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.

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 Up to the overall maximum limit
Outpatient prescription drugs Generic drugs: 100% coinsurance; Brand name drugs: 50% coinsurance; Specialty Drugs: No coverage.
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

Student Secure Elite Insurance - Provider network and how to find hospital or doctor?

Tokio Marine HCC maintains a wide network of health care providers. In US there are 2 options: First Health care network and United health care.

You need to check your insurance card to find any one of the below 2 logos:
First Health Care Provider Network    United Healthcare Provider Network
  • If you are traveling within the U.S. and have First Health logo on your ID card then click here
  • If you are traveling within the U.S. and have United Healthcare logo on your ID card then click here

Outside US: Equian International Provider Network
Equian International Provider Network
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here
Find Provider Network

Resourceful links for StudentSecure insurance

Tokio Marine HCCMIS Resourceful Travel Insurance Links

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