StudentSecure Elite Medical Insurance
Designed for International students with a low deductible and high overall maximum benefitsWhat is StudentSecure Elite health 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.
StudentSecure insurance is designed for international students seeking:- Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements.
- Coverage that meets the requirements of many programs and schools at a budget-friendly rate.
- Monthly payment option (or savings for paying the full premium in advance).
- Coverage for leisure sports and activities included, as well as some outpatient prescription drug coverage and mental health coverage.
- Monthly payment option (or savings for paying the full premium in advance).
- Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance included
- Complete your Student Secure Insurance application form to ensure you have the coverage you need while studying abroad.
After buying the plan, students can access their StudentSecure Elite id card and all plan documents through the StudentSecure Elite medical insurance login porter. At American Visitor Insurance, students in the USA can contact the StudentSecure Elite customer service for assistance with plan details, quotes, and other queries. Please contact us at (877)-340-7910 and our licensed agents will be glad to help you!
WorldTrips StudentSecure Elite Insurance Reviews
How much is StudentSecure Elite travel insurance coverage?
What is a deductible in StudentSecure Elite insurance?
What is a Coinsurance in StudentSecure Elite insurance?
What are the plan highlights of Student Secure Elite student health insurance?
- This is an international student health plan which is suited for international students studying abroad outside their home country.
- Acute onset of pre-existing condition covered $25,000 up to policy maximum and after a 6 month waiting period.
- Maternity care condition covered $25,000 up to policy maximum
- Pre-existing condition is covered after a 12 month waiting period.
- Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
- Intensive Care Unit charges are covered up to the overall maximum limit.
- Emergency Dental treatment covers up to $500 maximum per Certificate period (Not subjected to co-insurance).
- Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
- Optional Intercollegiate, interscholastic, intramural or club sports rider is covered up to $5000 maximum per injury or illness, medical expenses only.
- Emergency Medical Evacuation is covered for up to $500k lifetime maximum (Not subject to deductible or co-insurance).
What is the eligibility to buy StudentSecure Elite Student Insurance?
- 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.
How much does Student Secure Elite cost per month?
The Student Secure Elite cost ranges from $181 to $805 per month for students studing in USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student Secure Elite plan offers medical maximum of $500,000 with $0 deductible. Both monthly and annual payment options are available.
For example here is the cost of student secure elite insurance per month with a deductible of $0.
| Student age | 18 - 24 years | 25 - 30 years | 31 - 40 years |
|---|---|---|---|
| Medical maximum $5,000,000 | $181 | $374 | $805 |
| Sports coverage | Covers recreational sports and activities | ||
| Dental treatment | Covers up to $500 | ||
| Maternity coverage | This plan provides maternity coverage up to $15,000 | ||
| Pre-existing condition | Covered after a 6 month waiting period | ||
Student Secure Elite student health insurance cost ranges from $129 to $ 686 for students studying outside US. This is dependent on the factors namely age of the student, the plan maximum and the deductible.
StudentSecure Elite student insurance offers $500,000 medical maximum with $0 deductible.
For example here we are showing Student Secure Elite cost per month with $0 deductible.
| Student age | 14 days to 24 years |
|---|---|
| Medical maximum $5,000,000 | $129 |
| 25 – 30 years | $130 |
| 31 – 40 years | $306 |
| 41 – 50 years | $686 |
What are the Student Secure Smart benefits?
| Hospital room and board | Average semi-private room rate, including nursing services. |
| Intensive care unit | Up to the 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. |
| Covid coverage | StudentSecure Insurance covers covid illness for international students outside their home country. |
| Outpatient Physical therapy & chiropractic care | Up to $50 per visit per day (not subject to coinsurance. Must be ordered in advance by a physician and not obtained at a student health center) |
| Physician Office Visit Copayment | $20 per visit within the PPO network or outside the U.S.; otherwise, $40 per visit |
| Urgent Care Copayment | $30 per visit within the PPO network outside the U.S.; otherwise, $60 per visit |
| Hospital Copayment – Inpatient and Outpatient | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
| Student Health Copayment (claims incurred in the U.S. only) | Up to $10 per visit |
| Emergency room co-payment) | $100 for treatment received in an emergency room |
| Maternity Care for a Covered Pregnancy | Up to $15k(not subject to coinsurance) |
| Nursery Care of Newborn | Up to $750(not subject to coinsurance) |
| Therapeutic Termination of Pregnancy | Up to $500(not subject to coinsurance) |
| Emergency local ambulance | Up to $750 per injury / illness if hospitalized as inpatient |
| Emergency dental (acute onset of pain up to 72 hours) | Up to $500 (not subject to deductible or coinsurance). |
| Emergency medical evacuation | Up to $300k lifetime maximum |
| Emergency reunion | Up to $5,000, subject to a maximum of 15 days |
| Repatriation of remains | Up to $50k lifetime maximum |
| Mental health disorders (Treatment must not be provided at a student health center) | Outpatient: Maximum of 40 visits. Inpatient: Maximum of 40 days |
| Personal liability | Up to $25k lifetime maximum Up to $25k third person injury Up to $25k third person property Up to $2,500 related third person property |
| Acute onset of pre-existing condition * | $25k lifetime maximum for eligible expenses |
| Pre-existing condition | 6 months waiting period |
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*:Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
- The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
- Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
- You must be under eighty (80) years of age;
- You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
- You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
- You must be traveling outside your home country
| Accidental death & dismemberment | Lifetime Maximum - $25k Death - $25k Loss of 2 Limbs - $25k Loss of 1 Limb - $12,500 |
| Terrorism | Up to $50k lifetime maximum for eligible medical expenses only. |
| Sports & activities - Leisure, recreational, entertainment, or fitness | Up to the overall maximum limit |
| Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider | Up to $5k maximum per injury or illness, medical expenses only |
| Optional Accidental Death & Dismemberment Rider | Lifetime Maximum - $25k Death - $25k Loss of 2 Limbs - $25k Loss of 1 Limb - $12,500 |
| Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses | Up to $100k |
What is a PPO network in StudentSecure Elite insurance?
When seeking treatment within the U.S., you may reduce your out-of-pocket costs by visiting a doctor within your preferred provider organization (PPO). A PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S.
location_city Find Provider NetworkStudentSecure Elite insurance Faq's
There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:
To Meet Visa Requirements:
Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.
To Meet Your Study Abroad Program or School Requirements:
Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@worldtrips.com. We will send completed copies of the form(s) to you and your school.
To Cover Unexpected Medical Expenses:
Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.
Yes, International students can renew StudentSecure Elite Insurance online up to 12 months.
StudentSecure Elite insurance offers Maternity care for covered pregnancy up to $25,000.It also offers Nursery care of new born up to $750.
StudentSecure Elite insurance offers up to $5k maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.
Yes, StudentSecure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.
StudentSecure Elite insurance offers comprehensive coverage for international students. After the deductible amount. If the student seeks treatment with the provider network namely “First Health care network or United health care.”. When studying outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, StudentSecure Elite insurance pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum limit. while seeking treatment in a provider network.
Outside the provider network, it is Usual, reasonable, and customary charges and the student may be responsible for any charges exceeding the payable amount. StudentSecure Elite Insurance offers 100% of eligible expenses to the certificate period maximum after the deductible for claims outside the US. For detailed working example of how it works, you can review StudentSecure Elite insurance working example.
On American Visitors Insurance students can buy US student insurance using a paper application form either on monthly basics or yearly. Students should complete and the Student Secure proposal form and make the payment. On receiving the completed Student Secure insurance application form and the payment, the Student Secure insurance policy will be emailed to the customer.
What are the restrictions to buy Student Secure health insurance?
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How do I file a claim with StudentSecure Elite medical insurance??
To file a claim with StudentSecure Elite Insurance, follow these steps:
- Download the Claims Form: Access the StudentSecure Elite insurance claims process form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email mailto:service@worldtrips.com.
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What is the StudentSecure Insurance Exclusions?
Certain types of medical expenses are excluded from coverage under StudentSecure international student insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
- Pre-existing conditions are excluded during the first six (6) months of coverage under StudentSecure Elite and Select and are excluded during the first twelve (12) months of coverage under StudentSecure Budget. Pre-existing conditions are excluded throughout coverage under StudentSecure Smart, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains.
- Note: A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
- Immunizations and routine medical examinations, except under StudentSecure Elite as provided for under the Vaccination benefit
- Routine prenatal care, pregnancy, childbirth, and postnatal care, unless directly related to a covered pregnancy
- Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports(see Description of Coverage for full list of excluded sports).
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