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International Student Health Insurance

The Student Secure plan provides international student health insurance to both international and study abroad students who are studying outside of their home country either in the USA or around the world. This comprehensive student health insurance plan offers coverage on a monthly basis that will meet and exceed nearly all school and government requirements, and for those students on the J1 and F1 visa (even those on OPT) you are automatically eligible for coverage.Whether you are looking for individual coverage or coverage for the entire family, our Select, Budget and Smart options have the features you need. These plans include coverage for emergency medical evacuation, sports, mental health, maternity (Budget and Select) and more!

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Plan Level Options

Key Benefits of StudentSecure Insurance Plans

Summary Smart Budget Select Elite
Maximum medical benefit $200,000 $250,000 $300,000 $500,000
Coinsurance Following the deductible, 80% coverage to the maximum medical benefit.

 

Following the deductible, 80% coverage up to $25,000, then 100% coverage to the maximum medical benefit. Following the deductible, 80% coverage up to $5,000, then 100% coverage to the maximum medical benefit.

 

Following the deductible, 100% coverage within the PPO network and outside the U.S.; 80% coverage outside the PPO network.
Meets student visa requirements for J-1 visa Yes Yes Yes Yes
Savings for paying full premium in advance Yes Yes Yes Yes
Pre-existing condition coverage Only for the acute onset of a pre-existing condition

 

Yes, after 12 months Yes, after 6 months Yes, after 6 months
College sports covered No coverage Yes, $3,000 per injury Yes, $5,000 per injury Yes, $5,000 per injury
Maternity and newborn care covered No Yes (80% inside PPO, 60% outside PPO up to $5,000 maximum) Yes (80% inside PPO, 60% outside PPO)  Yes (80% inside PPO, 60% outside PPO)
Emergency medical evacuation coverage Yes Yes Yes Yes

International Student Health Insurance – Plan Benefits

The Student Secure, International Student Health Insurance plan is available to international and study abroad students in four main plan levels; Smart, Budget, Select and Elite. Each plan level offers different coverage limits, with the Smart being the most affordable and the Elite the most comprehensive of the four plans. Please view the benefits below and contact us if you need further help with choosing the best plan option for you.

 

Benefits Smart Budget Select Elite
Certificate Period Maximum $200,000 $250,000 $300,000 $500,000
Maximum Benefit
per injury/ illness
$100,000 $250,000 $300,000 $500,000
Deductible
per injury/ illness
Inside PPO Network, Outside USA or at Student Health Center
$50 $45 $25 $25
Deductible
per injury/ illness
All other locations
$100 $90 $50 $50
ER Deductible

claims incurred in the USA

$350 $350 $100 $100
Provider Network First Health Provider Network
Coinsurance
– Inside the USA
80% Coverage after the Deductible 80% Coverage up to $25,000, then 100% up to the Certificate Maximum, after the Deductible 80% Coverage up to $5,000, then 100% up to the Certificate Maximum, after the Deductible 100% of Eligible Expenses within the PPO.
Elsewhere, 80%coverage up to$5,000 then 100% up to the Certificate Maximum, after the Deductible
Coinsurance
– Outside the USA
100% of Eligible Expenses after the Deductible
Hospital Room & Board Average Semi-Private Room Rate, including nursing services
Local Ambulance
per injury/ illness if hospitalized as Inpatient
Up to $300 Up to $500 Up to $750 Up to $750
Intensive Care Unit URC URC URC URC
Outpatient Treatment URC URC URC URC
Prescription Medication 50% of Actual Charge 50% of Actual Charge 50% of Actual Charge 80% of Actual Charge
Mental Health
– Outpatient
Treatment must not be obtained at the Student Health Center
$50 per day
$500 max. percertificate period
$50 per day
$500 max. percertificate period
Coverage includes drug and alcohol abuse.
80% within the PPO, 60% out of network — Max. 30 days of coverage.
Coverage includes drug and alcohol abuse.
Mental Health
– Inpatient
Treatment must not be obtained at the Student Health Center
URC up to $5,000max. per certificate period URC up to $10,000max. per certificate period
Coverage includes drug and alcohol abuse.
80% within the PPO, 60% out of network — Max. 30 days of coverage.
Coverage includes drug and alcohol abuse.
Dental treatment due to accident No Coverage $250 per tooth
$500 Maximum
$250 per tooth
$500 Maximum
$250 per tooth
$500 Maximum
Dental treatment to alleviate pain
Not subject to deductible or coinsurance)
No Coverage $100 Maximum $100 Maximum $100 Maximum
Pre-existing Condition $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only 12-month waiting period 6-month waiting period 6-month waiting period
Maternity
Maternity care for a covered pregnancy
No Coverage 80% up to $5,000 within the PPO; 60% up to $5,000 outside the PPO 80% up to certificate period maximum within the PPO; 60% up to certificate period maximum outside the PPO
Newborn Care
Routine nursery care of newborn
No Coverage $250 Maximum $750 Maximum $750 Maximum
Therapeutic Termination of Pregnancy $500 Maximum
Physical Therapy & Chiropractic Care $25 per day $50 per day $50 per day $75 per day
Sports Coverage
Max. per injury / illness — Medical expenses only
Intercollegiate, interscholastic, intramural, or club sports
No Coverage $3,000 $5,000 $5,000
Terrorism No Coverage $50,000 Maximum $50,000 Maximum $50,000 Maximum
Emergency Medical Evacuation
Not subject to deductible or coinsurance
$50,000 $250,000 $300,000 $500,000
Emergency Reunion
Not subject to deductible or coinsurance
$1,000 lifetime $1,000 lifetime $5,000 lifetime $5,000 lifetime
Accidental Death & Dismemberment
Not subject to deductible or coinsurance
No Coverage No Coverage Principal Sum $25,000
Death or Loss of 2 limbs – Principal sum;
Loss of 1 Limb – Half of principal sum
Repatriation of Remains
Not subject to deductible or coinsurance
$25,000 $25,000 $25,000 $50,000
Personal Liability
Not subject to deductible or coinsurance
No Coverage No Coverage No Coverage $250,000