StudentSecure Select Medical Insurance
Best health insurance for international students, scholars and students studying abroad.
What is StudentSecure Select insurance?
Student Secure Select international student medical insurance offers the second highest coverage limits of our StudentSecure plans.This plan is designed specifically to meet the insurance needs of international students outside their home country. StudentSecure Select meets J-1 visa requirements, includes a $0 deductible, offers savings for paying in full and covers pre-existing condition coverage after policy is in effect for 6 months and some intercollegiate, interscholastic, intramural, or club sports coverage.
StudentSecure insurance is designed for international students seeking:- Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements.
- Monthly payment option (or savings for paying the full premium in advance).
- Coverage that meets the requirements of many programs and schools at a budget-friendly rate.
- Coverage for leisure sports and activities included, as well as some outpatient prescription drug coverage and mental health coverage.
- 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 get the StudentSecure Select id card and all the plan documents by using StudentSecure Select login porter. At American Visitor Insurance, International students can contact the StudentSecure Select customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to assist you!
StudentSecure Select Insurance Reviews
How much is Student Secure Select insurance coverage?
What is a deductible in StudentSecure Select insurance?
What is a Coinsurance in StudentSecure Select insurance?
What are the key highlights of Student Secure Select medical insurance plan?
- Acute onset of pre-existing condition covered $25,000 up to policy maximum
- Offers higher coverage limits than Budget and Smart for many benefits
- Coverage available from 30 days to 364 days, renewable up to 2 years
- Maternity care condition covered $10,000 up to policy maximum
- Offers coverage for Accidental Death & Dismemberment (AD&D) benefit of up to $25,000
- Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
- Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
- Medical coverage for intercollegiate, interscholastic, intramural, or club sports.
- Emergency Medical Evacuation is covered for up to $300k lifetime maximum (Not subject to deductible or co-insurance).
- Urgent Care Clinic: $50 copay, waived with a $0 deductible
What are the Student Secure Select eligibility requirements?
- 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 Select insurance cost per month?
The Student secure select student health insurance cost ranges from $106 to $538 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 Select plan offers medical maximum of $500,000 with $0 deductible. Both monthly and annual payment options are available.
For example, here is the Student Secure select student health insurance price per month with a deductible of $0.
| Student age | 18 - 24 years | 25 - 30 years | 31 - 40 years |
|---|---|---|---|
| Medical maximum $1,000,000 | $106 | $240 | $538 |
| Sports coverage | Covers intercollegiate, interscholastic, intramural, or club sports | ||
| Dental treatment | Covers up to $500 | ||
| Maternity coverage | This plan provides maternity coverage up to $10,000 | ||
| Pre-existing condition | Covered after a 6 month waiting period | ||
Student Secure Select student health insurance cost ranges from $78 to $ 453 for students studying outside USA. This is dependent on the factors namely age of the student, the plan maximum and the deductible.
StudentSecure Select student insurance offers $500,000 medical maximum with $0 deductible.
For example here we are showing Student Secure Select cost per month with $0 deductible.
| Student age | Medical Maximum $1,000,000 |
|---|---|
| 14 days to 24 years | $78 |
| 25 – 30 years | $83 |
| 31 – 40 years | $201 |
| 41 – 50 years | $453 |
What are the benefits of StudentSecure Select insurance?
| 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 | 50% of actual charge (not subject to deductible or coinsurance) |
| 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 | $50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit. |
| Urgent Care Copayment | $50 per visit within the PPO network outside the U.S.; otherwise, $100 per visit |
| Hospital Copayment – Inpatient and Outpatient | $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
| Emergency room co-payment (Claims incurred in the U.S. only) | Up to $200. Not subject to coinsurance |
| Student Health Copayment (claims incurred in the U.S. only) | Up to $10 per visit |
| Maternity Care for a Covered Pregnancy | Up to $10k(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 or illness, when covered illness or injury results in hospitalization 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 $5k, 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 30 visits. Inpatient: Maximum of 30 days |
| 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 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 |
| Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider | Up to $5k maximum per injury or illness, medical expenses only |
What are the restrictions to buy Student Secure health insurance?
What is a PPO network in StudentSecure Select medical insurance plan?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. StudentSecure Select insurance PPO Network is United Healthcare network and First Health Network.
WorldTrips maintains a wide network of health care providers.
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click herelocation_city Find Provider Network
Compare StudentSecure health insurance plans
Why buy StudentSecure Select international student insurance?
- Satisfies your school or visa requirements: Student Secure Select plan offers essential benefits for international students meet their school or visa requirements, including the J-1 visa. You can download a visa letter as proof of coverage for university or visa documentation purposes.
- Provide higher coverage limits: Select plan offers a maximum coverage of $1,000,000, which is the second highest among StudentSecure plans. It also includes additional benefits not offered by the Budget or Smart plans, such as Accidental Death and Dismemberment (AD&D) coverage and sports coverage for intercollegiate, intramural, and club sports.
- International student insurance plan comes with travel assistance services available for 365 days a year. Students can access help with doctor, hospital, or pharmacy referrals, as well as guidance in case of health or travel emergencies.
StudentSecure Select student insurance for international students FAQ's
There are several reasons to consider an international student insurance plan like Student Secure medical insurance 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 often times 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 and very few plans pay for medical evacuation.
Yes, International students can renew StudentSecure Select Insurance online up to 12 months.
StudentSecure Select insurance offers Maternity care for covered pregnancy up to $10k.It also offers Nursery care of new born up to $750.
StudentSecure Select 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 Select health 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 Select 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 Select 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 Select insurance working example.
Yes. StudentSecure Select provides coverage for outpatient is covered up to a maximum of 30 visits. Inpatient is covered up to a maximum of 30 days. Under StudentSecure Smart, outpatient is covered up to a $50 maximum per day and up to a $500 lifetime maximum. Inpatient is covered up to a $5,000 lifetime maximum.
Yes StudentSecure Select student medical Insurance is available for 364 days and can be renewed up to a maximum of 4 years. Travelers who wish to get extended coverage can renew StudentSecure Select insurance online. plan for more coverage.
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.
How do I file a claim with StudentSecure Select Insurance?
To file a claim with StudentSecure Select Insurance, follow these steps:
- Download the Claims Form: Access the StudentSecure Select medical insurance claim 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.
What are the exclusions of StudentSecure Select international student insurance?
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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