StudentSecure Smart Is Designed for International Students Seeking:
International Student Health
Insurance Benefits
A StudentSecure plan can reduce your personal expenses if you face an unexpected injury or
illness throughout the course of your international studies. StudentSecure Smart offers lower coverage limits in exchange for the lowest premium of the StudentSecure plans.
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:
Savings for Paying Full Premium in Advance
✓
Meets J-1 Visa Requirements
✓
Overall Maximum Benefit
$200,000
Maximum Benefit Per Injury or Illness
$100,000
Deductible (except emergency room)
$50 per injury or illness within the Preferred Provider Organization (PPO) network or student health center; otherwise $100 per injury or illness.
$50 per illness or injury for treatment received outside the U.S.
Emergency Room Deductible
(claims incurred in the U.S. only)
$350 for treatment received in an emergency room
Coinsurance - Claims Incurred Inside the U.S.
Within the PPO
We will pay 80% of eligible expenses after the deductible and 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 the U.S.
After the deductible, we will pay 100% of eligible expenses to the certificate period maximum
*Pre-Existing Condition Coverage
No coverage
**Acute Onset of Pre-Existing Condition
(see benefit description below)
$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 $300 maximum per injury or illness only if hospitalized as inpatient
Outpatient Prescription Drugs
50% of actual charge (not subject to deductible or coinsurance)
Vaccinations
No coverage
Maternity Care for Covered Pregnancy
No coverage
Nursery Care of Newborn
No coverage
Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness
Up to the overall maximum limit
Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
No coverage
Mental Health Disorders
(treatment must not be provided at a student health center)
Outpatient: $50 maximum per day; $500 maximum
Inpatient: Up to $5,000
(excludes drug abuse and alcohol abuse)
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 $25 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
No coverage
Emergency Medical Evacuation
(not subject to deductible, coinsurance,
or overall maximum limit)
Up to $50,000 lifetime maximum
Repatriation of Remains
(not subject to deductible, coinsurance,
or overall maximum limit)
Up to $25,000 lifetime maximum
Accidental Death and Dismemberment (AD&D)
(not subject to deductible, coinsurance,
or overall maximum limit)
No coverage
Emergency Reunion
(not subject to deductible, coinsurance,
or overall maximum limit)
Up to $1,000, subject to a maximum of 15 days
Personal Liability
(not subject to deductible, coinsurance,
or overall maximum limit)
No coverage
Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response
Fees and Expenses
(not subject to deductible, coinsurance,
or overall maximum limit)
No coverage
*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 only apply if 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;
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
c) You must be under eighty (80) years of age;
d) 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;
e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
f) You must be traveling outside your home country
Certain types of medical expenses are excluded from coverage under StudentSecure Smart insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
NOTE: 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.
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:
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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.
