StudentSecure Select International student health 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.
Key benefits of StudentSecure Select Insurance
ecg_heartAcute onset of Pre-Existing Conditions
paymentMonthly Payment Option
pregnant_womanMaternity care
medical_servicesUrgent Care
sports_soccerSports Coverage
schoolStudent Health Copayment
StudentSecure Select Insurance Reviews
StudentSecure Select links
StudentSecure Select Insurance - Key Highlights
- The Select plan provides a policy maximum of $500,000 and Certificate period maximum of $1,000,000 with deductible of $0.
- Higher coverage limits than Budget and Smart for many benefits.
- Plan provides $200 for treatment in an emergency room for claims within the US only.
- Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
- Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
- Intensive Care Unit charges are covered up to the overall maximum limit.
- Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
- Emergency Dental treatment covers up to $500 maximum per Certificate period (Not subjected to 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).
- Repatriation of remains is covered for up to $50,000 lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).
StudentSecure Select Summary, International Student Insurance Review
What is the eligibility to buy StudentSecure Select 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.
StudentSecure Select insurance Coinsurance
- Inside the United States
- 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: 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.
What are the US state and country restrictions to buy StudentSecure Select Insurance plan?
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.
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Plan benefits of Student Secure Select Insurance
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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 Accidental death & dismemberment Lifetime Maximum - $25k
Death - $25k
Loss of 2 Limbs - $25k
Loss of 1 Limb - $12,500Terrorism 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 - $12,500Optional 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
StudentSecure Select insurance cost for International students in USA
| Student Age | Plan Cost * |
|---|---|
| Under 18 years | $106.02 |
| 18 – 24 years | $106.02 |
| 25 – 30 years | $240.56 |
| 31 – 40 years | $538.16 |
* The average cost of StudentSecure Select plans are based on monthly rates.
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Student secure pre-existing medical insurance
"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
Quotes for StudentSecure Select international student insurance!
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Compare Student Secure health Insurance quotes »StudentSecure Select Insurance - 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.
Student Secure Select Claims Information
StudentSecure Select - PPO 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
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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