Student Secure Smart medical Insurance

Designed for International students with Lower coverage limits in exchange for a lower premium

StudentSecure Smart Insurance Cost

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StudentSecure Smart International student health insurance

StudentSecure Smart International student health insurance StudentSecure Smart Insurance is the most affordable plan and offers limited health insurance coverage for international students pursuing their education outside their home country. It is lowest cost plan with lowest maximum benefits and highest deductible. This plan meets J-1 visa requirements, covers pre-existing condition coverage only for the acute onset of a pre-existing condition.

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.
  • Important medical benefits, including some Outpatient Prescription Drug coverage and some Mental Health coverage.

Key benefits of StudentSecure Smart plan Insurance

Meets student visa requirements for F-1 & J-1 visa

Acute onset of a pre-existing condition

Monthly payment option

Medical Evacuation coverage

PPO network

Sports Coverage

StudentSecure Smart Insurance Insurance Reviews

Insurance provider
WorldTrips
StudentSecure Smart Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Deductible options
$50per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness
Policy maximum
  • Certificate period maximum: $200k
  • Maximum benefit per injury or illness: $100k
StudentSecure Smart underwriter
Lloyd's
Plan life - 30 days to 364 days.
Coinsurance of Student Secure Smart
In Network
80%

The plan pays 80% of eligible expenses, then up to the Maximum Limit.

Out of Network - Usual, reasonable, and customary charges covered and the insured is responsible for any charges exceeding the payable amount.

StudentSecure Smart Links

  •  Brochures
  • Application
  • Advantages
  • Disadvantages
  • ID card
  • Detailed description
  • Example
  • Benefits
  • Comprehensive plan

StudentSecure Smart Insurance - Key Highlights

  • This is an international student health plan which is suited for international students studying abroad outside their home country.
  • This plan comes in four levels of coverage Elite, Select, Budget or Smart to suit the needs and budget of the student.
  • The Smart plan provides a policy maximum of $100k and Certificate period maximum of $200k.
  • There will be a deductible of $50 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $100 deductible per injury or sickness is applicable.
  • Plan provides $350 for treatment in an emergency room for claims within the US only.
  • Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered after deductible. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
  • Co-insurance for claims incurred outside the US : After the deductible, 100% of the eligible expenses are covered up to the Certificate period maximum.
  • Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- $50 maximum, $500 maximum, Inpatient - Up to $5k maximum.
  • 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).
  • Dental treatment due to accident is covered as $250 maximum per tooth, $500 maximum per Certificate period (Not subjected to co-insurance).
  • Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
  • Emergency Medical Evacuation is covered for up to $50k lifetime maximum (Not subject to deductible or co-insurance).
  • Repatriation of remains is covered for up to $25k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

WorldTrips StudentSecure Smart Plan Summary


What is the eligibility to buy StudentSecure Smart 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 Smart insurance Coinsurance
  • Inside the United States
    • In ppo network: Plan pays 80% of eligible expenses after the deductible up 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 Smart 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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StudentSecure Smart insurance 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)
    Covid coverage StudentSecure Insurance with coronavirus coverage covers Covid19 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)
  • 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 room co-payment $350 for treatment received in an emergency room
  • Emergency dental (acute onset of pain up to 72 hours) Up to $100 (not subject to deductible or coinsurance).
    Dental treatment due to accident Up to $250 maximum per tooth; $500 maximum per certificate period. Not subject to 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) Outpatient: $50 maximum per day, $500 maximum. Inpatient: Up to $5k
  • Acute onset of pre-existing condition * $25k lifetime maximum for eligible expenses
  • Terrorism Up to $50k lifetime maximum for eligible medical expenses only.
    Sports & activities - Leisure, recreational, entertainment, or fitness Up to the overall maximum limit
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StudentSecure insurance

General definition of pre-existing condition:

"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:

  1. The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
  2. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
  3. You must be under eighty (80) years of age;
  4. 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;
  5. You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
  6. You must be traveling outside your home country
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StudentSecure Smart insurance - Common Questions

01. Why do i need international student health insurance?

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.

02. Is it possible to renew StudentSecure Smart Insurance?

Yes, International students can renew StudentSecure Smart Insurance online up to 12 months.

03. Does StudentSecure Smart offer coverage for Maternity and new born care coverage

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.

04. Does StudentSecure Smart insurance offer coverage for Team sports.

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.

05. Will I lose StudentSecure Smart coverage when I graduate or if I leave school?

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.

06. How does StudentSecure Smart insurance offer coverage for medical expenses?

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.

WorldTrips Insurance related coverage

WorldTrips Insurance related coverage

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).

WorldTrips travel insurance related links

Student Secure Smart

WorldTrips - Provider network and how to find hospital or doctor?

WorldTrips maintains a wide network of health care providers.
Inside US: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). PPO is a network of hundreds of thousands of established, highly qualified medical practitioners and well-recognized hospitals in the U.S. Note that you may visit a doctor of your choosing outside the PPO, but billed charges for eligible expenses will not be eligible for a PPO discount.
If You Purchased Your Travel Medical Policy Before July 2019 OR You Are an EU Resident Who Purchased Your Policy Before May 2020 Find a Health care provider in the U.S.
First Health Care Provider Network
If You Purchased Your Travel Medical Policy After July 2019 OR You Are an EU Resident Who Purchased Your Policy After May 2020 Find a Health care provider in the U.S.
United Healthcare Provider Network
Outside US: There is no preferred provider organization (PPO) outside the US. To find doctors and hospitals outside the US, then click here
Find Provider Network

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StudentSecure student Insurance Forum

Questions, answers for WorldTrips StudentSecure insurance plan.

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