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Student
Secure®
Elite
Insurance

International Student Health Insurance for

Study Abroad Students

StudentSecure Elite offers international students the lowest deductible and the highest overall maximum limit of the StudentSecure plans. StudentSecure Elite coverage is available to full-time students and scholars studying outside of their home country.

StudentSecure Elite Is Designed for International Students Seeking:

  • The lowest deductible and the highest maximum benefits
  • Coverage that meets J-1 visa requirements for the U.S.
  • Important medical benefits, including some Outpatient Prescription Drug coverage and some Mental Health coverage
  • Pre-Existing Condition coverage after 6 months
  • Personal Liability coverage
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Travel Medical

Insurance Benefits

  • StudentSecure
    Elite
    Insurance
  • Policy
    Documentation
  • Insurance
    Exclusions

A StudentSecure plan can reduce your personal expenses if you face an unexpected injury or
illness throughout the course of your international studies. StudentSecure Elite offers the lowest deductible and highest maximum benefits of all the StudentSecure plans. It is the only StudentSecure
plan to include Personal Liability coverage.

 

As a StudentSecure policyholder, you'll have access
to multilingual travel assistance services and our Student Zone, 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 12 months
  • Some Outpatient Prescription Drug coverage and Mental Health coverage
  • Optional rider to cover up to $5,000 per injury resulting from intercollegiate, interscholastic, intramural, or club sports
  • Monthly payment option (or savings for paying the full premium in advance)
Plan Details
StudentSecure Elite

Savings for Paying Full Premium in Advance

✓

Meets J-1 Visa Requirements

✓

Overall Maximum Benefit

$5,000,000

Maximum Benefit Per Injury or Illness

$500,000

Deductible
(except emergency room)

$25 per injury or illness within the Preferred Provider Organization (PPO) network or student health center; otherwise $50 per injury or illness. 

$25 per illness or injury for treatment received outside the U.S.

Emergency Room Deductible
(claims incurred in the U.S. only)

$100 for treatment received in an emergency room

Coinsurance - Claims Incurred Inside U.S.

Within the PPO
We will pay 100% of eligible expenses, after the deductible, up to the overall maximum limit

 

Outside the PPO
 Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount

Coinsurance - Claims Incurred Outside of U.S.

After the deductible, we will pay 100% of eligible expenses to the certificate period maximum

Medical Benefit
StudentSecure Elite Limit

*Pre-Existing Condition Coverage

6-month waiting period

**Acute Onset of Pre-Existing Condition

 

(excludes chronic and congenital conditions)

$25,000 lifetime maximum for eligible expenses

Intensive Care Unit

Up to the overall maximum limit

Hospital Room & Board

Average semi-private room rate, including nursing services

Outpatient Treatment

Up to the overall maximum limit

Local Ambulance

 

(not subject to coinsurance)

Up to $750 maximum per injury or illness if hospitalized as inpatient

Outpatient Prescription Drugs

Generic Drugs: 100% coinsurance

 

Brand Name Drugs: 50% coinsurance

 

Specialty Drugs: No coverage

(not subject to deductible)

Vaccinations

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)
  • COVID-19 / SARS-CoV-2

(not subject to deductible or coinsurance)

Maternity Care for Covered Pregnancy

Up to $25,000

Nursery Care of Newborn

Up to $750

Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness

Up to the overall maximum limit 

Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider

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)

Outpatient: 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 $75 per visit per day

Dental Treatment Due to Accident

 

(not subject to coinsurance)

Up to $250 maximum per tooth; $500 maximum per certificate period 

Emergency Dental - Acute Onset of Pain

 

(not subject to coinsurance)

Up to $100 

Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only

Emergency Travel Benefit
StudentSecure Elite Limit

Emergency Medical Evacuation

 

(not subject to deductible, coinsurance,
or overall maximum limit)

Up to $500,000 lifetime maximum

Repatriation of Remains

 

(not subject to deductible, coinsurance,
or overall maximum limit)

Up to $50,000 lifetime maximum

Accidental Death and Dismemberment (AD&D)

(not subject to deductible, 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 deductible, coinsurance,
or overall maximum limit)

Up to $5,000, subject to a maximum of 15 days

Personal Liability

(not subject to deductible, coinsurance,
or overall maximum limit)

Up to $250,000 lifetime maximum

Up to $250,000 third-person injury or property

Up to $2,500 related third person property

Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response
Fees and Expenses

 

(not subject to deductible, coinsurance,
or overall maximum limit)

Up to $100,000

*A pre-existing condition is any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within 12 months prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 12 months prior to your effective date of coverage
  • that existed (with reasonable medical certainty) 12 months prior to your effective date of coverage, whether or not it was known to you

**The acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.

The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions or pre-existing conditions that gradually become worse over time will not be considered acute onset.

Policy Documentation

Certain types of medical expenses are excluded from coverage under StudentSecure Elite 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.

NOTE: A pre-existing condition is any condition:

  • for which medical advice, diagnosis, care, or treatment was recommended or received within 12 months prior to your effective date of coverage
  • which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 12 months prior to your effective date of coverage
  • that existed (with reasonable medical certainty) with 12 months prior to your effective date of coverage, whether or not it was known to you
  • Immunizations and routine medical examinations
  • Routine pre-natal care, pregnancy, childbirth, and post-natal 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).
coastal Mediterranean town

Why Do I Need

International Student Health Insurance?

There are several reasons to consider an international student health plan like StudentSecure for your overseas studies:

  • To Meet Visa Requirements: Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
    As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Student Zone, where you can conveniently manage your policy online.
  • To Meet Your Study Abroad Program or School Requirements: Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
    Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@hccmis.com. We will send completed copies of the form(s) to you and your school.
  • To Cover Unexpected Medical Expenses: Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.
Learn More
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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips 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.