StudentSecure Smart Medical 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.

• 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.
• 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

"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 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

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).