StudentSecure Smart Insurance

StudentSecure Smart Insurance is the most affordable plan and offers limited health insurance coverage for international students pursuing their education outside their home country. It is lowest cost plan with lowest maximum benefits and highest deductible. This plan meets J-1 visa requirements, covers pre-existing condition coverage only for the acute onset of a pre-existing condition. It as a monthly payment option.
  • Brochures
  • Application
  • Example
  • Benefits
  • Comprehensive
  • ID Card
Start Date
End Date

Student Secure Insurance Review
Insurance Provider
Insurance Provider
Tokio Marine HCC
StudentSecure Insurance Underwriter
Underwritten by Lloyd's London
Policy Maximum
Certificate period maximum
Maximum benefit per injury or illness
Deductible Options
Deductible Options?
$50 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness
Best Rating
Student Secure Smart Insurance Plan Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-

Tokio Marine HCC(HCCMIS) StudentSecure Smart plan summary

eligibility StudentSecure Travel Medical Insurance 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 StudentSecure Insurance Plan Coinsurance?
  • Inside the United States
    • In ppo network: Plan pays 80% 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 Student Secure Insurance Smart Plan 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 Smart Insurance

Benefits Coverage
Hospital room & board Average semi-private room rate, including nursing services
Local ambulance Up to $300 per injury / illness if hospitalized as inpatient
Intensive care unit Usual, reasonable, and customary charges
Outpatient treatment Usual, reasonable, and customary charges
Outpatient prescription drugs 50% of actual charge
Mental health disorders Outpatient: $50 maximum per day, $500 maximum; Inpatient: Up to $5,000 maximum (Treatment must not be obtained at a Student health center.)
Dental treatment due to accident Up to $250 maximum per tooth; $500 maximum per certificate period
Dental treatment to alleviate pain Up to $100 for acute onset pain. Not subject to deductible or coinsurance
Acute onset of pre-existing condition $25,000 lifetime maximum for eligible expenses (excludes chronic and congenital conditions)
Therapeutic termination of pregnancy Up to $500 maximum per certificate period
Physical therapy & chiropractic care Up to $25 per visit per day
Emergency medical evacuation Up to $50,000 lifetime maximum. Not subject to deductible or coinsurance.
Emergency reunion Up to $1,000, maximum of 15 days
Repatriation of remains Up to $25,000 lifetime maximum (not subject to deductible or coinsurance)

Student Secure Smart 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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