International Student Health Insurance
Benefits | Exclusions | Premiums | Quote/ Apply Online
The table below outlines the policy benefits per individual for the Student Secure health insurance plan. If you need coverage benefits for spouse/ child coverage please download a copy of the plan brochure.
| Accidental Death & Dismemberment | No Coverage | No Coverage | Principal Sum $25,000 |
| Smart | Budget | Select | |
| Policy Maximum | $200,000 | $250,000 | $300,000 |
| Deductible | $100 per injury/ illness $50 at Student Health Center |
$100 per injury/ illness $50 at Student Health Center |
$100 per injury/ illness $50 at Student Health Center |
| Provider Network in USA | CMN Provider Network | ||
| Smart Free Quote/ Apply | Budget & Select Free Quote/ Apply | ||
| Coinsurance - Outside the USA - In Network in the USA - At Student Health Center |
80% Coverage up to $25,000 100% after up to Policy Maximum |
80% Coverage up to $10,000 100% after up to Policy Maximum |
100% Coverage |
| Coinsurance - Out of Network in the USA |
80% Coverage up to $25,000 100% after up to Policy Maximum |
80% Coverage up to $10,000 100% after up to Policy Maximum |
80% Coverage up to $5,000 100% after up to Policy Maximum |
| Hospital Room & Board | Average Semi-Private Room Rate | Average Semi-Private Room Rate | Average Semi-Private Room Rate |
| Local Ambulance | Up to $350 per injury/ illness if hospitalized as Inpatient |
Up to $350 per injury/ illness if hospitalized as Inpatient |
Up to $350 per injury/ illness if hospitalized as Inpatient |
| Intensive Care Unit | URC | URC | URC |
| Outpatient Treatment | URC | URC | URC |
| Prescription Medication | 50% of Actual Charge | 50% of Actual Charge | 50% of Actual Charge |
| Mental Health | Outpatient - $50/ day, $500 lifetime Inpatient - URC up to $5,000 |
Outpatient - $50/ day, $500 lifetime Inpatient - URC up to $10,000 |
Outpatient - $50/ day, $500 lifetime Inpatient - URC up to $10,000 |
| Accidental Dental | $250 per tooth $500 Maximum |
$250 per tooth $500 Maximum |
$250 per tooth $500 Maximum |
| Dental Pain | No Coverage | $100 Maximum | $100 Maximum |
| Maternity | No Coverage | URC | URC |
| Newborn Care | No Coverage | $250 Maximum | $750 Maximum |
| Therapeutic Termination of Pregnancy | No Coverage | $500 Maximum | $500 Maximum |
| Physical Therapy/ Chiropractic Care |
$50 per visit | $50 per visit | $50 per visit |
| Sports Coverage | No Coverage | $5,000 per injury/ illness | $5,000 per injury/ illness |
| Terrorism | No Coverage | $50,000 Maximum | $50,000 Maximum |
| Benefit Period | 60 days | 60 days | 60 days |
| Emergency Evacuation | $50,000 | $50,000 | $300,000 |
| Repatriation of Remains | $10,000 | $15,000 | $25,000 |
| Emergency Reunion | $10,000 lifetime | $1,000 lifetime | $2,500 lifetime |
Please note - The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan brochure for the full benefits and limitations of the plan. All benefits, except Accidental Death & Dismemberment, are subject to the Deductible and Coinsurance. Limits apply to all benefits.
Covered Medical Expenses
- Inpatient and Outpatient charges made by a Hospital
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other Medical Specialist to whom the Physician has referred the case
- Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or Medical Specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
- Charges for oxygen and other gases and anesthetics and their administration
- Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs
- Charges made by a licensed Extended Care Facility upon direct transfer from an Acute Care Hospital
- Emergency Local Ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization
Pre-existing Conditions
After 12 months of continuous coverage under the Select or Budget plan, StudentSecureSM will provide benefits for Pre-existing Conditions. A Pre-existing Condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted.
Maternity & Newborn Care
When conception occurs after the Effective Date of Coverage, StudentSecureSM Select and Budget plans provide Maternity benefits, including but not limited to pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine Nursery Care of Newborns is also covered, subject to the maximum shown in the Schedule of Benefits and Limits.
Organized Sports Activities
Medical expenses for Injuries or Illnesses resulting from participation in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecureSM Select and Budget plans up to a maximum of $5,000 per Injury or Illness. Covered organized sports are: basketball, baseball, cross country, dance team, football, golf, kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and wrestling.
Mental Health Disorders
StudentSecureSM provides benefits for Mental Health Disorders. Outpatient treatment is covered to a maximum of $50 per day, with a $500 Lifetime Maximum. Usual, Reasonable, and Customary expenses are covered for Inpatient treatment, subject to the maximum shown in the Schedule of Benefits and Limits. Treatment for Mental Health Disorders is covered only if not obtained from a Student Health Center.
Emergency Dental
The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and the Select and Budget plans offer additional coverage for Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per Certificate Period.
Emergency Medical Evacuation
If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS, StudentSecureSM will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
Emergency Reunion
StudentSecureSM will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:
- Following a covered Emergency Medical Evacuation; or
- You are hospitalized due to a life-threatening Injury or Illness for more than five days.
HCCMIS must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the Inpatient hospitalization.
Terrorism
StudentSecure Select and Budget plans provide Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 Lifetime Maximum, provided all of the following conditions are met:
- The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
- You have no direct or indirect involvement in the Act of Terrorism.
- The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
- You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.
An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Accidental Death and Dismemberment
In the event of your Accidental Death or Dismemberment resulting from a covered Injury, StudentSecureSM Select (only) will provide the following benefit:
- Accidental Death – Principal Sum to the Beneficiary designated on your Application
- Loss of Sight in both eyes or loss of two or more Limbs – Principal Sum to you
- Loss of Sight in one eye or loss of one Limb – One-half of the Principal Sum to you
Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and Dismemberment benefit is not available for losses resulting from an Act of Terrorism.
Repatriation of Remains
In the event of a covered Injury or Illness resulting in your death, StudentSecureSM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
Incidental Home Country Coverage
StudentSecureSM offers limited Home Country coverage. Medical expenses only can be covered during incidental visits of up to 15 days cumulative per Certificate Period. The member must return abroad, either to the Host Country or another country en route to the Host Country, following any incidental visit days in order to be eligible for this benefit. Return to the Home Country must not be taken for the purpose of obtaining treatment for an Injury or Illness that began outside of the Home Country.
Benefit Period
If you are hospitalized as Inpatient on your coverage Termination Date, StudentSecureSM will provide a Benefit Period of 60 days for that condition only. The Benefit Period begins on the first date that you receive diagnosis or treatment for the condition and continues for 60 days, regardless of whether you are abroad or return to your Home Country.
Pre-certification Requirements
Hospitalizations, Surgeries, Pregnancies (except Smart plan), Emergency Medical Evacuations, Emergency Reunions, Repatriation of Remains, Computerized Tomography (CAT Scan), and Magnetic Resonance Imaging (MRI) must be Pre-certified. To Pre-certify, call, or have your Physician call, HCCMIS with the information relative to your claim. You may also Pre-certify by submitting details through Student Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.
Eligibility
To be eligible for the Student Secure, Participants must meet all of the following requirements:
- Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
- Must be residing outside Home Country for the purpose of pursuing international educational activities.
- Must not have obtained residency status in the Host Country.
Participants visiting the US must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.
Eligibility Definitions
- Full-time Student: A student at a college or university who is taking 10 credit hours (undergraduate students) or 6 credit hours (graduate students). Full-time Student status for individuals enrolled at colleges or universities that do not use a credit hour system must provide documentation of Full-time Student status.
- Full-time Scholar: An individual who is affiliated with an educational institution and is engaging in educational activities for at least 30 hours per week. These activities may include but not be limited to performing research in an area of specialty or teaching for a temporary period of time.
- Home Country: The Participant’s Home Country is the country of Principal Residence as declared on the Application form. The Principal Residence is the country of the Participant’s true, fixed, and permanent home.
There is no dependent coverage available on the Student Secure Smart
Effective & Termination Dates
Coverage becomes effective on the latest of:
- The moment we receive the application and correct premium (if application and payment is made online or by fax); or
- 12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail); or
- 12:01am US Eastern Time on the date you meet eligibility requirements.
Coverage terminates on the earliest of:
- 11:59pm US Eastern Time on the last day of the period for which you have paid premium; or
- 11:59pm US Eastern Time on the last date requested on your application; or
- 12:01am US Eastern Time on the date you no longer meet eligibility requirements.
Cancellations and Refunds
To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:
- A $25 cancellation fee will apply
- Only the unused portion of the plan cost will be refunded
- Only members who have no claims are eligible for premium refund
- After 60 days, no refunds are granted
