StudentSecure Smart Plan Details

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Plan Administrator
Tokio Marine HCC

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Maximum Coverage
$200,000

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Underwriter
Underwritten by Lloyd's London

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Deductibles
$50 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness

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Acute onset
Yes

Eligibility

  • Individuals up to the age of 65 years.
  • Individuals 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 F-1 visa including those students on OPT or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
  • Must be residing outside his or her Home Country for the purpose of pursuing international educational activities
  • Must not have obtained residency status in the Host Country.
  • Participants in the U.S. must hold a valid education related Visa. A copy of the I-20 or DS2019 may be requested.

Coinsurance

  • Inside the United States
    • In ppo network: Plan pays 80% of eligible expenses after the deductible up to the overall maximum limit.
    • Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Outside the United States
    • After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.

Plan Benefits of StudentSecure Smart Insurance

Benefits Coverage
Hospital room & board Average semi-private room rate, including nursing services
Local ambulance Up to $300 per injury / illness if hospitalized as inpatient
Intensive care unit Usual, reasonable, and customary charges
Outpatient treatment Usual, reasonable, and customary charges
Outpatient prescription drugs 50% of actual charge
Mental health disorders Outpatient: $50 maximum per day, $500 maximum; Inpatient: Up to $5,000 maximum (Treatment must not be obtained at a Student health center.)
Dental treatment due to accident Up to $250 maximum per tooth; $500 maximum per certificate period
Dental treatment to alleviate pain Up to $100 for acute onset pain. Not subject to deductible or coinsurance
Acute onset of pre-existing condition $25,000 lifetime maximum for eligible expenses (excludes chronic and congenital conditions)
Therapeutic termination of pregnancy Up to $500 maximum per certificate period
Physical therapy & chiropractic care Up to $25 per visit per day
Emergency medical evacuation Up to $50,000 lifetime maximum. Not subject to deductible or coinsurance.
Emergency reunion Up to $1,000, maximum of 15 days
Repatriation of remains Up to $25,000 lifetime maximum (not subject to deductible or coinsurance)