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Student Secure

International Student Health Insurance

Benefits Smart Budget Select Elite
Overall Maximum Limit $200,000$200k $500,000$500k $600,000$600k $5,000,000$5M
MaximumMax.
per injury/ illness
$100,000$100k $250,000$250k $300,000$300k $500,000$500k
Deductible
per injury/ illness Inside PPO Network, Outside USA or at Student Health Center (Except Emergency Room)
$50 $45 $35 $25
Deductible
per injury/ illness All other locations (Except Emergency Room)
$100 $90 $70 $50
ER Deductible per visit claims incurred in the USA $350 $350 $200 $100
Provider Network Doctor/Hospital Search
Coinsurance — In Network, Inside the USA 80% of eligible expenses after the deductible up to the overall maximum 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum 100% of eligible expenses after the deductible to the overall maximum
Coinsurance — Out of Network, Inside the USA Usual, Reasonable, and Customary (URC)
Coinsurance — Outside the USA 100% of Eligible Expenses, up to the Overall Maximum Limit, after the Deductible
Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.
Hospital Room & Board Average Semi-Private Room Rate, including nursing services
Intensive Care Unit Up to Overall Maximum Limit
Local Ambulance per injury/ illness if hospitalized as Inpatient Not subject to coinsurance Up to $300 Up to $500 Up to $750 Up to $750
Outpatient Treatment Up to Overall Maximum Limit
Outpatient Prescription Medication Not subject to deductible or coinsurance 50% of Actual Charge 50% of Actual Charge 50% of Actual Charge
  • 100% coverage for generic
  • 50% coverage for brand
  • Specialty Drugs: No coverage
For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program — further details below
Vaccination Not subject to deductible or coinsurance No Coverage No Coverage No Coverage $150 maximum see plan wording for list of covered vaccinations
Sports & Activities Leisure, Recreational, Entertainment, or Fitness Up to the Overall Maximum Limit
Mental Health — Outpatient Treatment must not be obtained at the Student Health Center Up to $50 per day
$500 maximum
Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
Maximum of 30 visits.
Coverage includes drug and alcohol abuse.
Mental Health — Inpatient Treatment must not be obtained at the Student Health Center Up to $5,000 Maximum of 30 days.
Coverage includes drug and alcohol abuse.
Maximum of 30 days.
Coverage includes drug and alcohol abuse.
Maximum of 30 days.
Coverage includes drug and alcohol abuse.
Maternity Maternity care for a covered pregnancy No Coverage Up to $5,000 Up to $10,000 Up to $25,000
Newborn Care Routine nursery care of newborn Not subject to coinsurance No Coverage $250 MaximumMax. $750 MaximumMax. $750 MaximumMax.
Therapeutic Termination of Pregnancy Not subject to coinsurance

$500 MaximumMax.

Outpatient Physical Therapy & Chiropractic Care Not subject to coinsurance $25 per day $50 per day $50 per day $75 per day
Must be ordered in advance by a physician and not obtained at a student health center
Dental treatment due to accident Not subject to coinsurance $250 per tooth / $500 MaximumMax.
Dental treatment to alleviate pain Not subject to coinsurance $100 MaximumMax.
Pre-existing Condition No Coverage 12-monthmo. waiting period 6-monthmo. waiting period 6-monthmo. waiting period
Acute Onset of Pre-existing Condition (See benefit description) Up to $25,000 lifetime maximum for eligible medical expenses
Terrorism Medical expenses only No CoverageN/A $50,000$50k MaximumMax. $50,000$50k MaximumMax. $50,000$50k MaximumMax.
All other Eligible Medical Expenses Up to the Overall Maximum
Emergency Medical Evacuation Not subject to deductible coinsurance, or overall maximum limit $50,000$50k lifetime maximum $250,000$250k lifetime maximum $300,000$300k lifetime maximum $500,000$500k lifetime maximum
Repatriation of Remains Not subject to deductible coinsurance, or overall maximum limit $25,000$25k lifetime maximum $25,000$25k lifetime maximum $50,000$50k lifetime maximum $50,000$50k lifetime maximum
Emergency Reunion Not subject to deductible coinsurance, or overall maximum limit Up to $1,000, subject to a maximum of 15 days Up to $1,000, subject to a maximum of 15 days Up to $5,000, subject to a maximum of 15 days Up to $5,000, subject to a maximum of 15 days
Accidental Death & Dismemberment AD&D Not subject to deductible coinsurance, or overall maximum limit No CoverageN/A No CoverageN/A

Lifetime Maximum — $25,000

Death or Loss of 2 Limbs — $25,000

Loss of 1 Limb — $12,500

Lifetime Maximum — $25,000

Death or Loss of 2 Limbs — $25,000

Loss of 1 Limb — $12,500
Personal Liability Not subject to deductible coinsurance, or overall maximum limit No CoverageN/A No CoverageN/A No CoverageN/A Up to $250,000 lifetime maximum
Add-Ons:
Optional Sports Add-On Intercollegiate, Intramural, Interscholastic, Club sports Medical expenses only No CoverageN/A $3,000 per injury/illness $5,000 per injury/illness $5,000 per injury/illness
Please note: The benefit table listed above is a consolidated version of the full plan benefits. Please view the Student Secure plan certificate for the full benefits and limitations of the plan. Limits apply to all benefits.

Cancellation

Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions:
  1. A $25 cancellation fee will apply for administrative costs incurred by us; and
  2. Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the plan will be refunded; and
  3. You cannot have filed any claims to be eligible for premium refund; and
  4. No refund of premium shall be granted after 60 days.

Eligibility

  1. You must be under age 65; and
    1. A full-time student at a college or university (excluding online colleges and universities); or
    2. Within 31 days of being a full-time student at a college or university; or
    3. A student under age 19 enrolled in a secondary school; or
    4. A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week;
  2. You must be residing outside your home country for the purpose of pursuing international educational activities; and
  3. You must not have obtained residency status in your host country; and
  4. If in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.
J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas.

Certificate Effective Date

Insurance hereunder is effective on the later of:
  1. The moment we receive application and correct premium if application and payment is made online or by fax; or
  2. 12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is made by mail; or
  3. The moment you depart from your home country; or
  4. 12:01am U.S. Eastern Time on the date requested on the application.

Certificate Termination Date

Insurance hereunder terminates on the earlier of:
  1. 11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; or
  2. 11:59pm U.S. Eastern Time on the date requested on the application; or
  3. 12:01am U.S. Eastern Time on the date you no longer meet eligibility requirements; or
  4. The moment of arrival upon your return to your home country (unless you have started a benefit period or are eligible for home country coverage).

Benefit Period

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, we will pay eligible medical expenses for up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country and while this certificate is in effect. The benefit period applies only to eligible medical expenses related to a condition for which you are hospitalized as an inpatient on the termination date of the certificate.

In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses for which you are hospitalized as an inpatient on the termination date of the certificate.

Incidental Home Country Coverage

You must have purchased three months of coverage for the Incidental Home Country Coverage to be in effect.

For every three-month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days for any three-month period.

Any benefit accrued under a single three-month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any incidental home country coverage.

For all non-U.S. citizens electing coverage “Excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.

VantageAmerica Discount Card

Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%-15% off the cash price for brand drugs and an average 15%-40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.

Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many local community pharmacies.

Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.

Please note:
  • Card NOT Valid in AK, MA, MN, MT, VT, and Canada
  • Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.
  • The discount is only available at participating pharmacies