StudentSecure Elite Insurance best quotes, Tokio Marine HCC StudentSecure insurance with maximum coverage for international students and j1 visas

Insurance Provider
Tokio Marine HCC

Underwriter
Underwritten by Lloyd's London

Certificate period maximum
$5,000,000
Maximum benefit per injury or illness
$500,000

Deductible Options^?
$25 per injury or illness within PPO network, outside US or at student health center; otherwise $50 per injury or illness

Rating

AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-

Tokio Marine HCC(HCCMIS) StudentSecure Elite plan summary

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.

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