Student Secure

International Student Health Insurance

Smart Budget Select Elite
Overall Max Limit $200,000 $500,000 $600,000 $5,000,000
Max per injury/illness $100,000 $250,000 $300,000 $500,000

Deductibles and Coinsurance

Smart Budget Select Elite
Deductible per injury/illness Inside PPO, Outside USA, Student Health Center, except ER $50 $45 $35 $25
Deductible per injury/illness All other locations, except ER $100 $90 $70 $50
ER Deductible Per visit, inside the USA only $350 $350 $200 $100
Network Click here to search the PPO Doctor/Hospital Network
Coinsurance Inside the USA In Network:

80% of eligible expenses after the deductible up to the overall maximum

Out Network: Usual, Reasonable, and Customary (URC)
In Network:

80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum. $5,000 max out of pocket

Out Network: Usual, Reasonable, and Customary (URC)
In Network:

80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum. $1,000 max out of pocket

Out Network: Usual, Reasonable, and Customary (URC)
In Network:

100% of eligible expenses after the deductible to the overall maximum

Out Network: Usual, Reasonable, and Customary (URC)
Coinsurance Outside the USA 100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible.

Key Medical Benefits

Smart Budget Select Elite
Hospital Room and Board Average Semi-Private Room Rate, including nursing services Average Semi-Private Room Rate, including nursing services Average Semi-Private Room Rate, including nursing services Average Semi-Private Room Rate, including nursing services
Outpatient Treatment Up to Overall Maximum Limit Up to Overall Maximum Limit Up to Overall Maximum Limit Up to Overall Maximum Limit
Prescription Medications 50% of actual charge 50% of actual charge 50% of actual charge 100% for generic
50% for brand
Specialty Drugs: No Coverage
Mental Health Outpatient:

Up to $50 per day, $500 max

Inpatient:

Up to $5,000

Outpatient:

Maximum of 30 visits

Inpatient:

Maximum of 30 days

Coverage includes drug and alcohol abuse.
Outpatient:

Maximum of 30 visits

Inpatient:

Maximum of 30 days

Coverage includes drug and alcohol abuse.
Outpatient:

Maximum of 30 visits

Inpatient:

Maximum of 30 days

Coverage includes drug and alcohol abuse.
Maternity No coverage Up to $5,000 Up to $10,000 Up to $25,000
Pre-existing Conditions $25,000 for acute onset of a pre-existing condition only 12 month waiting period during which the plan includes $25,000 for acute onset of a pre-existing condition 6 month waiting period during which the plan includes $25,000 for acute onset of a pre-existing condition 6 month waiting period during which the plan includes $25,000 for acute onset of a pre-existing condition
Medical Evacuation $50,000 $250,000 $300,000 $500,000
Repatriation of Remains $25,000 $25,000 $50,000 $50,000
Sports Coverage

Leisure, recreational, entertainment and fitness sports included

School sports — No Coverage

Leisure, recreational, entertainment and fitness sports included

School sports — Optional Add-on

Leisure, recreational, entertainment and fitness sports included

School sports — Optional Add-on

Leisure, recreational, entertainment and fitness sports included

School sports — Optional Add-on

To view the full plan benefits and the complete table of benefits, please download a copy of the plan brochure:

Brochure Download

This is a summary of a selection of the key plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents. The Certificate of Insurance is the only source of the actual benefits provided.