What is StudentSecure Smart health insurance?
StudentSecure Smart is the most affordable international student health insurance plan, designed for full-time students and scholars on a budget who are studying outside their home country. This plan meets J-1 visa requirements, ensuring compliance for students and scholars participating in exchange programs. The plan offers a $0 deductible, making it cost effective and students can get essential health coverage at a lower premium by providing reduced coverage limits.
Plan includes the flexibility of Monthly payment option or the benefit of savings for paying in full. Complete your 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 Smart id card and all plan documents through the StudentSecure Smart medical insurance login porter. At American Visitor Insurance, students in the USA can contact the StudentSecure Smart 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!
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How much is StudentSecure Smart travel insurance coverage?
What is a deductible in StudentSecure Smart insurance?
What is a Coinsurance in StudentSecure Smart insurance?
What are the plan highlights of Student Secure Smart student health insurance?
- Acute onset of pre-existing condition covered $25,000 up to policy maximum
- Maternity care condition covered $10,000 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.
- Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
- Intensive Care Unit charges are covered up to the overall maximum limit.
- Emergency Medical Evacuation is covered for up to $250,00,000 lifetime maximum
- Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
- Medical coverage for intercollegiate, interscholastic, intramural, or club sports.
- Emergency Medical Evacuation is covered for up to $25,000k lifetime maximum (Not subject to deductible or co-insurance).
What is the eligibility to buy StudentSecure Smart 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 the Student Secure Smart insurance cost per month?
The Student Secure Smart health insurance cost per month ranges from $32 to $167 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 Smart plan offers medical maximum of $200,000 with $0 deductible. Both monthly and annual payment options are available.
For example, here is the Student Secure Smart medical insurance cost per month with a deductible of $0.
| Student age | 18 - 24 years | 25 - 30 years | 31 - 40 years |
|---|---|---|---|
| Medical maximum $200,000 | $32 | $67 | $167 |
| Sports coverage | Covers recreational sports and activities | ||
| Repatriation of remains | covered for up to $25k lifetime maximum | ||
| Maternity coverage | Not available | ||
| Pre-existing condition | Covers acute onset of pre-existing condition up to $25,000 | ||
Student Secure Smart student insurance cost ranges from $25 to $ 148 for students studying outside USA. This is dependent on the factors namely age of the student, the plan maximum and the deductible.
Student Secure Smart student insurance offers $200,000 medical maximum with $0 deductible.
For example here we are showing Student Secure Smart cost per month with $0 deductible.
| Student age | Medical Maximum $200,000 |
|---|---|
| 14 days to 24 years | $25 |
| 25 – 30 years | $34 |
| 31 – 40 years | $83 |
| 41 – 50 years | $148 |
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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 | 50% of actual charge (not subject to deductible or coinsurance) |
| Outpatient Physical therapy & chiropractic care | Up to $25 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 | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
| Urgent Care Copayment | $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
| Hospital Copayment – Inpatient and Outpatient | $200 per visit within the PPO network or outside the U.S.; otherwise, $400 per visit |
| Student Health Copayment (claims incurred in the U.S. only) | Up to $25 per visit |
| Emergency room co-payment | $350 for treatment received in an emergency room |
| Therapeutic Termination of Pregnancy | Up to $500(not subject to coinsurance) |
| Emergency local ambulance | Up to $300 per injury / illness if hospitalized as inpatient |
| Emergency dental | Up to $500 (not subject to deductible or coinsurance). |
| Emergency medical evacuation | Up to $50k lifetime maximum |
| Emergency reunion | Up to $1k, subject to a maximum of 15 days |
| Repatriation of remains | Up to $25k lifetime maximum |
| Mental health disorders (Treatment must not be provided at a student health center) | Physician Office Visit: $500 maximum Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse) |
| Acute onset of pre-existing condition * help | $25k lifetime maximum for eligible expenses |
"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
| Sports & activities - Leisure, recreational, entertainment, or fitness | Up to the overall maximum limit |
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StudentSecure Smart insurance Common Questions
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 and very few plans pay for medical evacuation.
Yes, International students can renew StudentSecure Smart Insurance online up to 12 months.
StudentSecure Smart insurance does not offer coverage for Maternity and new born care coverage. Other StudentSecure insurance plans (StudentSecure Budget, StudentSecure Select and StudentSecure Elite) offer coverage for maternity and new born care coverage.
StudentSecure Smart insurance does not offer coverage for Intercollegiate, interscholastic, intramural, or club sports. Other StudentSecure insurance plans (StudentSecure Budget, StudentSecure Select and StudentSecure Elite) offer coverage for Team 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 Smart 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 Smart 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 Smart 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 Smart insurance working example.
No, the StudentSecure Smart student health insurance plan does not offer coverage for organized sports activities or provide an optional rider for it. If you need coverage for intercollegiate, intramural, or club sports, consider upgrading to StudentSecure Select or StudentSecure Elite, both of which offer sports coverage as part of the plan benefits.
No, StudentSecure Smart does not provide coverage for pre-existing conditions, but offers coverage for the acute onset of a pre-existing condition with a $25,000 lifetime maximum for eligible expenses. This plan focuses on offering essential, budget-friendly health coverage for international students.
If students need coverage for pre-existing conditions, you can explore other plans within the StudentSecure variants, such as:
- StudentSecure Budget: Covers pre-existing conditions after 12 months of continuous coverage. StudentSecure Select: Covers pre-existing conditions after 6 months of continuous coverage.
- StudentSecure Elite: Offers the most comprehensive coverage and covers pre-existing conditions after 6 months.
The StudentSecure Smart student health insurance plan for international students is designed to:
- 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. Expenses with budget: StudentSecure Smart is the most budget-friendly option among the StudentSecure plans, offering essential coverage at a lower cost. You can also save by paying for your policy in full.
- 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.
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 Smart. 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).
What is a PPO network in StudentSecure Smart 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 NetworkHow do I file a claim with StudentSecure Smart medical insurance?
To file a claim with StudentSecure Smart Insurance, follow these steps:
- Download the Claims Form: Access the StudentSecure Smart 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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