StudentSecure Smart Is Designed for International Students Seeking:
Lower coverage limits in exchange for a lower premium
Coverage that meets J-1 visa requirements for the U.S.
Important medical benefits, including some Outpatient Drug coverage and some Mental Health coverage
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 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 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
(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 $300 maximum per injury or illness 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 condition:
**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
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 condition:
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 [email protected] 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.
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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.
