hccmis

Compare Student Secure Insurance Plans

best travel insurance price
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
Plan Maximum
Deductible
Student Secure Select
Plan Maximum
Deductible
Student Secure Budget
Plan Maximum
Deductible
Student Secure Smart
Maximum
Deductible
"EXCELLENT" "BEST" "BETTER" "GOOD"
Brochure & Details links
Underwriter
StudentSecure Elite Insurance Underwriter
Certain Underwriters at Lloyd's of London
StudentSecure Select Insurance Underwriter
Certain Underwriters at Lloyd's of London
StudentSecure Budget Insurance Underwriter
Certain Underwriters at Lloyd's of London
StudentSecure Smart Insurance Underwriter
Certain Underwriters at Lloyd's of London
Rating
StudentSecure Elite Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
StudentSecure Select Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
StudentSecure Budget Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
StudentSecure Smart Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
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
Plan Highlights
Lowest deductible & offers top-tier benefits Expensive & offers comprehensive coverage Reasonable & a prominent plan Affordable & offers limited coverage
Certificate period maximum
Up to $5,000,000 Up to $600,000 Up to $500,000 Up to $200,000
Maximum benefit per injury or illness
Up to $500,000 Up to $300,000 Up to $250,000 Up to $100,000
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 - 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 - 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.
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
Intensive care unit
Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
Outpatient treatment
Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
Outpatient prescription drugs
100% coinsurance for generic; 50% coinsurance for brand name 50% of actual charge 50% of actual charge 50% of actual charge
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 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
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 condition
Covered after 6 months waiting period Covered after 6 months waiting period Covered after 12 months waiting period Not Covered
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
Maternity
Up to $25,000 Up to $10,000 Up to $5,000 Not Covered
Nursery care of newborn
Up to $750 maximum Up to $750 maximum Up to $250 maximum Not Covered
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
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
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
Up to $50,000 maximum lifetime limit Up to $50,000 maximum lifetime limit Up to $50,000 maximum lifetime limit Not Covered
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
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 death & dismemberment
Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Not Covered Not Covered
Repatriation of remains (not subject to deductible or coinsurance)
Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Personal Liability
Up to $250,000 lifetime maximum Not Covered Not Covered Not Covered
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 - -
Unique Advantages
StudentSecure Elite Advantages:
  • Lowest deductible and Highest maximum benefits offered.
  • Meets J-1 visa requirements.
  • Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up) and Personal Liability coverage.
StudentSecure Select Advantages:
  • Meets J-1 visa requirements.
  • Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up.)
  • Some intercollegiate, interscholastic, intramural, or club sports coverage.
StudentSecure Budget Advantages:
  • Mid-level benefits and mid-level deductible.
  • Meets J-1 visa requirements.
  • Some intercollegiate, interscholastic, intramural, or club sports coverage.
StudentSecure Smart Advantages:
  • Lowest cost plan but also lowest maximum benefits and highest deductible.
  • Meets J-1 visa requirements.
  • NO intercollegiate, interscholastic, intramural, or club sports coverage.

Compare Student Secure Insurance Plans

TokioMarine HCC medical insurance services has designed Student Secure insurance Student Secure Insurance offers international student health insurance coverage for students on full term courses or exchange scholars in a foreign country. TokioMarine Student Secure Insurance ratings by AM Best Rating is A++ (Superior). Tokio Marine is widely known and has been offering health insurance products to customers in 130 countries.
As Student Secure insurance comes in three variants, Smart, Select, Budget and Elite. It is recommended to compare among them and buy the best student insurance as per your requirements. These affordable international student insurance plans satisfy most of the university requirements and also US J visa requirements. TokioMarine HCC also provide proof of comparable coverage with waiver forms and visa letters to the enrolled university once the student buys the plan.
Student Secure Smart insurance is the most cheapest health insurance for international students with basic coverage of $200,000. It doesn’t offer coverage for pre-existing conditions, vaccinations, maternity and new born, sports and terrorism.
Student Secure Budget insurance is for budget conscious students looking for coverage that would cover most of the expenses up to $500,000. It has 12 months waiting period to cover pre-existing conditions. It doesn’t offer coverage for Vaccinations.
Student Secure Select insurance is international student who want adequate health insurance of $600,000 for emergency sickness and injuries due to accidents. It has 6 months waiting period to cover pre-existing conditions. It has deductible amount of $35 per injury or sickness.
Student Secure Elite insurance is a high end student insurance offering overall maximum coverage of $5 million. It is more expensive compared to the other student insurance plans but offers extensive coverage. It has a less deductible of $25 per injury or sickness. It has 6 months waiting period to cover pre-existing conditions.

AVI customer service

NEED HELP? Contact Us
We are here to help you!

 +1-(877)-340-7910

Resourceful international medical insurance information for students

student group travel insurance

Group travel insurance for students

Students traveling overseas in groups can purchase the group insurance plans. This makes it a lot easier to administer the plan and these plans are cheaper than buying individual student travel plans

VIEW GROUP PLANS

Not on a F1 visa? Please review these other visa categories

J1 visa holders

Insurance for Exchange scholars satisfying visa requirements

F2 dependents

Insurance plans for dependents of an F1 visa holders

US Student Abroad

Insurance plans for US students studying outside their home country

J2 dependents

Insurance for J2 visa dependants satisfying visa requirements

OPT Status within F1 visa

Insurance plans for students on OPT status

M1 visa holders

Medical insurance for students on vocational training.

Tokio Marine HCCMIS resourceful travel insurance links

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required