A StudentSecure plan can reduce your personal expenses if you face an unexpected injury or
illness throughout the course of your international studies. StudentSecure Select offers the second lowest deducible and the second highest
maximum benefits of all the StudentSecure plans.
As a StudentSecure policyholder, you'll have access to multilingual travel assistance services and our Member Portal, where you can download your visa letter, renew your coverage as needed, and manage your policy online.
Highlights:
- Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance
- Pre-Existing Condition coverage after 6 months
- Some Outpatient Prescription Drug coverage and Mental Health coverage
- Intercollegiate, Interscholastic, Intramural, or Club Sports coverage
- Monthly payment option (or savings for paying the full premium in advance)
Savings for Paying Full Premium in Advance
Meets J-1 Visa Requirements
Maximum Benefit Per Injury or Illness
Emergency Room Copayment
(Claims Incurred in the U.S. only)
$200 for the emergency room facility for treatment received in an emergency room
Physician Office Visit Copayment
$50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit
$50 per visit within the PPO network or outside the U.S.; otherwise, $100 per visit
Student Health Center Copayment
Hospital Copayment - Inpatient and Outpatient
$100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit
Coinsurance - Claims Incurred Inside the U.S.
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.
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.
*Pre-Existing Condition Coverage
**Acute Onset of Pre-Existing Condition
(see benefit description below)
$25,000 lifetime maximum for eligible expenses
Up to the overall maximum limit
Average semi-private room rate, including nursing services
Up to the overall maximum limit
Local Ambulance
(not subject to coinsurance)
Up to $750 maximum per injury or illness only when covered illness or injury results in hospitalization as inpatient
Outpatient Prescription Drugs
(not subject to coinsurance)
Maternity Care for Covered Pregnancy
Up to $10,000 lifetime maximum
Nursery Care of Newborn
(not subject to coinsurance)
Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness
Up to the overall maximum limit
Intercollegiate, Interscholastic, Intramural, or Club Sports
Up to $5,000 maximum per injury or illness; medical expenses only
Mental Health Disorders
(treatment must not be provided at a student health center)
Physician Office Visit: Maximum of 30 visits
Inpatient: Maximum of 30 days
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 $50 per visit per day
Emergency Dental Treatment
(not subject to coinsurance)
Up to $50,000 lifetime maximum, eligible medical expenses only
All Other Eligible Medical Expenses
Up to the overall maximum limit
Emergency Medical Evacuation
(not subject to coinsurance or overall maximum limit)
Up to $300,000 lifetime maximum
Repatriation of Remains
(not subject to coinsurance or overall maximum limit)
Up to $50,000 lifetime maximum
Accidental Death and Dismemberment (AD&D)
(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
Optional AD&D Rider: Additional $25,000 lifetime maximum
Emergency Reunion
(not subject to coinsurance or overall maximum limit)
Up to $5,000, subject to a maximum of 15 days
Personal Liability
(not subject to coinsurance or overall maximum limit)
Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses
(not subject to coinsurance or overall maximum limit)
*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.
**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:
a) The acute onset of a pre-existing condition does not directly or indirectly relate to a chronic condition or congenital condition; and
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; and
c) 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
d) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; and
e) You must be traveling outside your home country
