StudentSecure®

Pursuing your education outside your home country? Get StudentSecure insurance.

1 Month to 4 Years

Why Choose StudentSecure® ?

For individuals in study abroad programs, StudentSecure is an international student health plan designed specifically to meet the needs of international students and scholars.

StudentSecure meets or exceeds most government and visa requirements. It also meets the requirements of many schools. With four levels of coverage to choose from—Elite, Select, Budget, or Smart—students can find the plan that best fits their needs and budget. Each plan includes coverage for eligible medical expenses, emergency medical evacuation, and repatriation of remains.

Do I need study abroad insurance?

If you are a student or scholar planning to pursue your education outside your home country, you will need a plan to pay for your medical expenses. Most student visas and learning institutions have a specific list of health insurance requirements for foreign students. You may also find the coverage from your home country will not follow you while you are studying abroad. StudentSecure is a budget-friendly solution.

After purchasing coverage, how can I trust the company to be there if I need them?

The administrator, headquartered in the USA in Carmel, Indiana, is a full-service company offering international travel medical insurance products designed to meet needs of consumers worldwide.

The administrator is a member of the Tokio Marine HCC group of companies. Tokio Marine HCC is a leading specialty insurance group conducting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Headquartered in Houston, Texas, the company is made up of highly entrepreneurial teams equipped to underwrite special situations, companies and individuals, acting independently to deliver effective solutions. Our products and capabilities set the standard for the industry, and many of our nearly 3,000 employees are industry-leading experts.

Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately $46 billion.*

For more information about StudentSecure, please call us.

* As of 04/01/2024.

Benefits and Limits of StudentSecure®

BenefitEliteSelectBudgetSmart
Overall Maximum Limit$5,000,000$1,000,000$500,000$200,000
Maximum per injury or illness$500,000$500,000$250,000$100,000
Deductible$0$0$0$0
Coinsurance - claims incurred inside the U.S.Within the PPO: We will pay 80% of the next $10,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit

Outside the PPO: Usual, reasonable, and customary charges for eligible expenses up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
Within the PPO: We will pay 80% of the next $25,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit

Outside the PPO: Usual, reasonable, and customary charges for eligible expenses up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
Within the PPO: We will pay 80% of the next $45,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit

Outside the PPO:Usual, reasonable, and customary charges for eligible expenses up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
Within the PPO: We will pay 80% of the next $100,000 of eligible expenses after applicable copayments, then 100% up to the overall maximum limit

Outside the PPO: Usual, reasonable, and customary charges for eligible expenses up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
Coinsurance - claims incurred outside the U.S.We will pay 100% of eligible expenses after applicable copayments, up to the overall maximum limit
Eligible expenses are subject to applicable copayments, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
BenefitElite LimitSelect LimitBudget LimitSmart Limit
Hospital room & boardAverage semi-private room rate, including nursing services
Local ambulance (Not subject to coinsurance)Up to $750 per injury / illness only when covered illness/injury results in hospitalization as inpatientUp to $500 per injury / illness only when covered illness/injury results in hospitalization as inpatientUp to $300 per injury / illness only when covered illness/injury results in hospitalization as inpatient
Intensive care unitUp to the overall maximum limit
Outpatient treatmentUp to the overall maximum limit
Outpatient prescription drugsGeneric Drugs: 100% coinsurance
Brand Name Drugs: 50% coinsurance
Speciality Drugs: No coverage
Oral Contraceptives: 50% coinsurance
50% of actual charge (not subject to coinsurance)
Vaccinations (not subject to coinsurance)Up to $150
Covered vaccinations and testing are:
Measles, Mumps, Rubella (MMR); Tetanus/Diphtheria/Pertussis (TDAP); Chicken Pox (Varicella); Hepatitis B; Meningitis (Meningococcal MCV4 and B); and COVID-19/SARS-CoV-2, or any vaccine required by your school program with documentation
No coverage
Preventative CareUp to $200 after 6 months of continuous coverageNo coverage
Mental Health Disorders (Treatment must not be provided at a student health center)Physician Office Visit: Maximum of 40 visits

Inpatient: Maximum of 40 days
Physician Office Visit: Maximum of 30 visits

Inpatient: Maximum of 30 days
Physician Office Visit: $500 Maximum

Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse)
Emergency Dental Treatment (Not subject to coinsurance)Up to $500
Pre-existing condition6-month waiting period12-month waiting periodNo coverage
Acute onset of pre-existing condition
See benefit description
Up to $25,000 lifetime maximum for eligible expenses
Maternity care for a covered pregnancyUp to $15,000 lifetime maximumUp to $10,000 lifetime maximumUp to $5,000 lifetime maximumNo coverage
Nursery care of newborn (not subject to coinsurance)Up to $750Up to $250No coverage
Therapeutic termination of pregnancyUp to $500. Not subject to coinsurance.
Outpatient Physical therapy & chiropractic care (Not subject to coinsurance. Must be ordered in advance by a physician and not obtained at a student health center.)Up to $75 per visit per dayUp to $50 per visit per dayUp to $25 per visit per day
Sports & activities - Leisure, recreational, entertainment, or fitnessUp to the overall maximum limit
Intercollegiate, interscholastic, intramural, or club sportsUp to $5,000 maximum per injury or illness; medical expenses onlyNo coverageNo coverage
TerrorismUp to $50,000 lifetime maximum. Eligible medical expenses only.No coverage
Emergency Travel BenefitElite LimitSelect LimitBudget LimitSmart Limit
Emergency medical evacuation (Not subject to coinsurance or overall maximum limit)Up to $300,000 lifetime maximumUp to $300,000 lifetime maximumUp to $250,000 lifetime maximumUp to $50,000 lifetime maximum
Emergency reunion (Not subject to coinsurance or overall maximum limit)Up to $5,000, subject to a maximum of 15 daysUp to $1,000, subject to a maximum of 15 days
Accidental death & dismemberment (Not subject to coinsurance or overall maximum limit)Lifetime Maximum - $25,000
Death - $25,000
Loss of 2 Limbs - $25,000
Loss of 1 Limb - $12,500
No coverage
Repatriation of remains (not subject to coinsurance or overall maximum limit)Up to $50,000 lifetime maximumUp to $25,000 lifetime maximum
Personal Liability (Not subject to coinsurance or overall maximum limit) Lifetime Maximum - $250,000
Third Person Injury - Up to $250,000
Third Person Property - Up to $250,000
Related Third Person Property - Up to $2,500
No coverage

What's Covered by StudentSecure®?

Pre-Existing Conditions

After 6 months of continuous coverage, StudentSecure Elite and StudentSecure Select will provide benefits for pre-existing conditions (12 months for StudentSecure Budget).

Pre-existing condition means 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.

Note: StudentSecure Smart does not provide coverage for expenses related to pre-existing conditions except as provided for under the Acute Onset of a Pre-Existing Condition benefit described below.

Acute Onset of a Pre-Existing Condition

Individuals who purchase a StudentSecure plan have coverage for the acute onset of pre-existing condition (up to the $25,000 lifetime maximum). An 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 a 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 apply only if, at the time of the acute onset of a pre-existing condition, 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; and
  • Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; and
  • 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; and
  • You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; and
  • You must be traveling outside your home country

Sports and Activities

Medical expenses for injuries or illnesses sustained while participating in leisure, recreational, entertainment, or fitness activities are covered up to the overall maximum limit. Please review the StudentSecure Description of Coverage for a list of excluded sports and activities.

StudentSecure Elite and Select also include coverage for medical expenses resulting from injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports (up to $5,000 per injury or illness). StudentSecure Budget and Smart do not offer coverage for intercollegiate, interscholastic, intramural, or club sports.

Mental Health Disorders

StudentSecure provides benefits for mental health disorders. Drug and alcohol abuse are covered under this benefit on the Elite, Select and Budget plan levels. Treatment for mental health disorders is covered only if not obtained from a student health center.

Emergency Dental

The following emergency dental expenses are covered: emergency dental treatment necessary to resolve pain or to restore or replace natural teeth lost or damaged in an accident which is covered under this insurance subject to a $500 certificate period maximum.

Emergency Medical Evacuation

Would you know what to do if you found yourself in a life-threatening situation far from home? We are experienced in arranging emergency medical evacuations. StudentSecure will cover eligible expenses necessary to transport you from an initial treating facility to the nearest hospital qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. StudentSecure will also cover the transportation, lodging, and meal costs for a relative to join you after a covered emergency medical evacuation, up to the lifetime limit.

Terrorism

In these turbulent times, the risk of a terrorist attack could be a reality. If you are in the wrong place at the wrong time, StudentSecure Elite, Select, and Budget offer coverage for eligible medical expenses resulting from these acts. Coverage excludes countries or regions for which the U.S. Department of State has issued a level 3 "reconsider travel" or higher travel advisory in the 60 days prior to your arrival date.

Repatriation of Remains

What would your family do if disaster strikes while you are away from home? The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, StudentSecure will arrange for and cover eligible costs associated with the repatriation of your remains.

The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect the terms and conditions of any insurance policy issued by the administrator or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

Enrollment

To be eligible for StudentSecure, participants must meet all of the following requirements

  1. You must be under age 65; and
    • 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
    • A student under age 19 enrolled in a secondary school; or
    • A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week; and
  2. You must be residing outside your home country for the purpose of pursuing international educational activities; and
  3. You must not have obtained residency status in your host country; and
  4. If in the U.S. you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.

J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.

Participants visiting the US must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.

Home Country Coverage

You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.

For individuals with U.S. as home country, for every three-month period during which the member is covered hereunder, medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

For individuals with a home country other than the U.S., for every three-month period during which the member is covered hereunder, medical expenses incurred in the member’s home country are covered up to a maximum of 15 days.

Any benefit accrued under a single three-month period does not accumulate to another period. Failure of the member to continue his or her international trip or the member returning to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

Benefit Period Medical Coverage

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, including when you return to your home country, the benefit period applies for up to 60 days only to eligible medical expenses directly related to an injury or illness that was diagnosed or treated while the certificate was in effect. The benefit period begins on the first day of diagnosis or treatment of a covered injury or illness made while you are outside your home country. The benefit period applies whether or not you return to your home country.

Extending or Renewing Coverage

You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last six months of a certificate period. Coinsurance must be re-satisfied as of each renewal date. After four years of continuous coverage or any break in coverage, a new plan must be purchased. A new application is required and you must re-satisfy your coinsurance, pre-existing condition provisions, and all other benefit limits. Extensions and renewals must be made online with payment by credit card.

Cancellations and Refunds

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  • A $25 cancellation fee will apply
  • Only premium for unused whole-months of the plan will be refunded
  • Only members who have no claims are eligible for premium refund
  • When payment is made in full at the time of purchase, no refunds are granted after 60 days

Outstanding Customer Service

MyAccount and World Service Center

MyAccount is an online account management and resource tool available to:

  • Renew coverage and reprint ID cards
  • Obtain claim forms and information about filing
  • Locate providers within the PPO Network

If you prefer to speak to a professional service representative, contact us by calling toll-free from various countries. The World Service Center can provide service in many different languages.

Worldwide Travel and Medical Assistance

StudentSecure® includes valuable travel and medical assistance services, which are available 7 days a week, 365 days a year. Contact us to access any of these services.

Medical Monitoring

Consultations with attending medical professionals during hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding medical status.

Provider Referrals

Contact information for Western-style medical facilities, medical and dental practices, and pharmacies in the destination country.

Travel Document Replacement

Assistance obtaining replacement passports, birth certificates, visas, airline tickets, and other travel-related documents.

Lost Luggage Assistance

Tracking service to assist in locating luggage or other items lost in transit.

Other Travel Assistance Services*

  • Prescription drug replacement
  • Emergency travel arrangements
  • Dispatch of physician
  • Translation assistance
  • Credit card / Traveler's check replacement

*For a complete list of available assistance services or for more information, please contact us. Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit.

Daily Rates

Coverage Excluding the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$4.24$2.56$1.51$0.85
18-24$4.24$2.56$1.51$0.85
25-30$4.27$2.73$1.74$1.12
31-40$10.06$6.61$3.75$2.73
41-50$22.55$14.89$10.36$4.87
51-64*$28.70$18.87$14.07$7.04

Coverage Including the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$5.85$3.42$1.71$1.02
18-24$5.85$3.42$1.71$1.02
25-30$12.07$7.76$3.22$2.17
31-40$25.97$17.36$7.63$5.39
41-50$45.90$30.87$14.89$9.47
51-64*$61.55$41.62$20.05$12.79

Monthly Rates

Coverage Excluding the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$129$78$46$26
18-24$129$78$46$26
25-30$130$83$53$34
31-40$306$201$114$83
41-50$686$453$315$148
51-64*$873$574$428$214

Coverage Including the US

AgeParticipant Only
 EliteSelectBudgetSmart
Under 18$178$104$52$31
18-24$178$104$52$31
25-30$367$236$98$66
31-40$790$528$232$164
41-50$1,396$939$453$288
51-64*$1,872$1,266$610$389

Rates are effective 4/11/2024. Rates are subject to change.

Administrator

WorldTrips
4 Carter Green, Suite 400
Carmel, IN 46032

FOR ADDITIONAL INFORMATION

Gee Insurance & Financial Services
23/1 IInd Floor
East Patel Nagar, DL  110008
India

Phone: +91 9650166773
Fax: +91-11-95096738
Website: gee.brokersnexus.com

StudentSecure is underwritten by Lloyd's. The administrator is a service company and a member of the Tokio Marine HCC group of companies. The administrator has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.

Patient Protection and Affordable Care Act ("PPACA"): This insurance is not subject to, and does not provide certain insurance benefits required by the United States' Patient Protection and Affordable Care Act ("PPACA"). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or "minimum essential coverage." PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.

Version: KHE2FFYH6SP-971744701-1095
04/11/2024

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