Compare Student Secure Insurance Plans by Tokio Marine HCC(HCCMIS)

Student Secure provides excellent insurance cover to international students and scholars outside their home country.


Compare Student Secure Insurance Plans by Tokio Marine HCC(HCCMIS)

Age
Start Date
End Date
Coverage Region
Citizenship
Student Secure Elite
Maximum
Deductible
Student Secure Select
Maximum
Deductible
Student Secure Budget
Maximum
Deductible
Student Secure Smart
Maximum
Deductible
"EXCELLENT" "BEST" "BETTER" "GOOD"
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Ideal for  Ideal for
Residing outside your home country for the purpose of pursuing international education Residing outside your home country for the purpose of pursuing international education Residing outside your home country for the purpose of pursuing international education Residing outside your home country for the purpose of pursuing international education
Highlights  Plan Highlights
Lowest deductible & offers top-tier benefits Expensive & offers comprehensive coverage Reasonable & a prominent plan Affordable & offers limited coverage
Highlights  Certificate period maximum
Up to $1,000,000 Up to $600,000 Up to $500,000 Up to $200,000
Highlights  Maximum benefit per injury or illness
Up to $500,000 Up to $300,000 Up to $250,000 Up to $100,000
Highlights  Deductible
$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 PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness
Coinsurance  Coinsurance - claims incurred inside US:
In ppo network: Plan pays 100% of eligible expenses, after the deductible, up to the overall maximum limit.
Out of ppo network: Plan pays 100%.
In ppo network: Plan pays 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of ppo network: Plan pays 100%.
In ppo network: Plan pays 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of ppo network: Plan pays 100%.
In ppo network: Plan pays 80% of eligible expenses after the deductible up to the overall maximum limit.
Out of ppo network: Plan pays 100%.
Coinsurance  Coinsurance - claims incurred outside of US:
After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.
Ambulance  Local Ambulance
Up to $750 per injury / illness if hospitalized as inpatient Up to $750 per injury / illness if hospitalized as inpatient Up to $500 per injury / illness if hospitalized as inpatient Up to $300 per injury / illness if hospitalized as inpatient
Intensivecareunit  Intensive care unit
Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
Outpatient  Outpatient treatment
Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
medicine  Outpatient prescription drugs
100% coinsurance for generic; 50% coinsurance for brand name 50% of actual charge 50% of actual charge 50% of actual charge
mentaldisorder  Mental health disorders (Treatment must not be obtained at a Student health center.)
Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days Outpatient: Maximum of 30 visits; Inpatient: Maximum 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 maximum
Dental  Dental Treatment due to accident
Up to $250 maximum per tooth; $500 maximum per certificate period Up to $250 maximum per tooth; $500 maximum per certificate period Up to $250 maximum per tooth; $500 maximum per certificate period Up to $250 maximum per tooth; $500 maximum per certificate period
Dental  Emergency dental
Up to $100 for acute onset pain Up to $100 for acute onset pain Up to $100 for acute onset pain Up to $100 for acute onset pain
Pre-existing  Pre-existing condition
Covered after 6 months waiting period Covered after 6 months waiting period Covered after 12 months waiting period Not Covered
Pre-existing  Acute onset of pre-existing condition (excludes chronic and congenital conditions)
$25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses
pregnancy  Maternity
Up to $25,000 Up to $10,000 Up to $5,000 Not Covered
pregnancy  Nursery care of newborn
Up to $750 maximum Up to $750 maximum Up to $250 maximum Not Covered
pregnancy  Therapeutic termination of pregnancy
Up to $500 maximum per certificate period Up to $500 maximum per certificate period Up to $500 maximum per certificate period Up to $500 maximum per certificate period
Physicaltherapy  Physical therapy & chiropractic care
Up to $75 per visit per day Up to $50 per visit per day Up to $50 per visit per day Up to $25 per visit per day
sports  Intercollegiate, interscholastic, intramural, or club sports:
Up to $5,000 maximum per injury or illness, medical expenses only Up to $5,000 maximum per injury or illness, medical expenses only Up to $3,000 maximum per injury or illness, medical expenses only Not Covered
Terrorism  Terrorism
Up to $50,000 maximum lifetime limit Up to $50,000 maximum lifetime limit Up to $50,000 maximum lifetime limit Not Covered
evacuation  Emergency medical evacuation
Up to $500,000 lifetime maximum Up to $300,000 lifetime maximum Up to $250,000 lifetime maximum Up to $50,000 lifetime maximum
reunion  Emergency reunion
Up to $5,000, maximum of 15 days Up to $5,000, maximum of 15 days Up to $1,000, maximum of 15 days Up to $1,000, maximum of 15 days
Accidental  Accidental death & dismemberment
Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Not Covered Not Covered
Repatriation  Repatriation of remains (not subject to deductible or coinsurance)
Up to $50,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Personal  Personal Liability
Up to $250,000 lifetime maximum Not Covered Not Covered Not Covered
Optional  Optional coverage
Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses - -

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