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StudentSecure®Insurance For Studying outside home country

StudentSecure®Insurance


Choosing among the seemingly endless list of international student health insurance plans can leave anyone's head spinning. There are a lot of variations in coverage, not to mention technical terms you must navigate through. We try to make things a little simpler by offering StudentSecure® insurance..

Our StudentSecure® international student health insurance plan provides comprehensive medical coverage for full-time students or full-time scholars studying outside of their home country.

With four levels of coverage to choose from, you can almost certainly find what you need at a price you can afford. Plus, all of our international plans come with our worldwide provider network offering our members even more opportunities to save on out-of-pocket expenses.

The Things You didn’t Know about Student Secure Insurance

There is no shortage of options when it comes to insurance coverage options, and the Student Secure Insurance plan is another one of them. The insurance plan is for international students who have come to study in the United States. It is a comprehensive insurance plan that is designed to cover all of the basic needs of the students in terms of their medical insurance and other facets of the plan. There are so many different insurance plans that it can become quite confusing to choose the right one, but with the student secure insurance program you won’t have to make that choice. here are different plan level options for the student secure insurance plan.

BENEFIT LIMIT - ELITE LIMIT - SELECT LIMIT - BUDGET LIMIT - SMART
Certificate period maximum $500,000 $300,000 $250,000 $200,000
Maximum benefit per injury or illness $500,000 $300,000 $250,000 $100,000
Deductible $25 per injury or illness within the PPO, outside the U.S. or at a student health center; otherwise $50 per injury or illness $45 per injury or illness within the PPO, outside the U.S. or student health center; otherwise $90 per injury or illness. $50 per injury or illness within the PPO, outside the U.S. or student health center; otherwise $100 per injury or illness
Coinsurance - claims incurred inside U.S. Underwriters will pay 100% of eligible expenses within the PPO network (80% of eligible expenses outside the PPO network) Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum Underwriters will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to certificate period maximum Underwriters will pay 80% of eligible expenses after the deductible
Coinsurance - claims incurred outside of U.S After the deductible, 100% of eligible expenses to the certificate period maximum
Hospital room & board Average semi-private room rate, including nursing service
Local ambulance Up to $750 per injury / illness if hospitalized as inpatient Up to $500 per injury / illness if hospitalized as inpatient Up to $300 per injury / illness if hospitalized as inpatient
Intensive care unit Usual, reasonable, and customary charges
Hospital pre-certification penalty 50% of eligible medical expenses
Outpatient treatment Usual, reasonable, and customary charges
Outpatient prescription drugs 80% of actual charge 50% of actual charge
Mental health disorders Outpatient or inpatient: 80% within the PPO, 60% out of network. Maximum 30 days of coverage.
(Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center.)
Outpatient or inpatient: 80% within the PPO, 60% out of network. Maximum 30 days of coverage.
(Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center.)
Outpatient: $50 maximum per day, $500 maximum lifetime
Inpatient: Usual, reasonable, and customary charges to $10,000 maximum lifetime
(Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center.)
Outpatient: $50 maximum per day, $500 maximum lifetime
Inpatient: Usual, reasonable, and customary charges to $5,000 maximum lifetime
Dental treatment due to accident $250 maximum per tooth; $500 maximum per certificate periodNo coverage
Dental treatment to alleviate pain $100 maximum per certificate period. Not subject to deductible or coinsuranceNo coverage
Pre-existing condition 6-month waiting period 12-month waiting period $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
Maternity care for a covered pregnancy 80% up to certificate period maximum within the PPO; 60% up to certificate period maximum outside the PPO 80% up to $5,000 within the PPO; 60% up to $5,000 outside the PPO No coverage
Routine nursery care of newborn $750 maximum per certificate period$250 maximum per certificate periodNo coverage
Therapeutic termination of pregnancy $500 maximum per certificate period
Physical therapy & chiropractic care Maximum $75 per day Maximum $50 per day Maximum $25 per day
Intercollegiate, interscholastic, intramural, or club sports $3,000 maximum per injury / illness Medical expenses only No coverage
Terrorism $50,000 maximum lifetime limit No coverage
Emergency medical evacuation (Not subject to deductible or coinsurance .) Up to the certificate limit $50,000 lifetime
Emergency reunion $5,000 lifetime maximum $1,000 lifetime maximum
Accidental death & dismemberment $25,000 lifetime maximum No coverage
Repatriation of remains $50,000 maximum (not subject to deductible or coinsurance) $25,000 maximum (not subject to deductible or coinsurance)
Personal Liability $250,000 lifetime maximum No coverage