StudentSecure Travel Insurance Benefit Description
To be eligible for StudentSecure, Participants must meet 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; and
- Must be residing outside Home Country for the purpose of pursuing international educational activities; and
- Must not have obtained residency status in the Host Country.
Full-time Student is defined as 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.
The Participant's Home Country is the country of Principal Residence as declared on the Application form. The Home Country is the country of the Participant's true, fixed, and permanent home.
Dependents must meet the following requirements:
- Be the Participant's legally married spouse, or be the Participant's unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance; and
- Accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and
- Be temporarily located outside the Participant's Home Country (The Dependent's Home Country is the same as that of the Participant, regardless of Principal Residence.); and
- Have not obtained residency status in the Host Country.
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.
After 364 days of continuous coverage, StudentSecure will provide benefits for Pre-existing Conditions. A Pre-existing Condition is any Injury or Illness which, within the 364 days 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, StudentSecure provides 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 sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure plan 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
StudentSecure 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 to a $10,000 Lifetime Maximum. Drug and alcohol abuse are covered by the Select and Budget plans only. Treatment for Mental Health Disorders is covered only if not obtained from a Student Health Center.
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 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
Would you know what to do if you found yourself in a life-threatening situation far from home? HCCMIS is experienced in arranging emergency medical evacuations. StudentSecure will cover the necessary expenses to transport you to the nearest medical facility qualified to treat your life-threatening condition. We also understand the importance of family support in these difficult situations. StudentSecure will also cover the transportation, lodging, and meal costs for a relative to join you after an emergency medical evacuation.
StudentSecure 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
StudentSecure provides 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 advisory 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 an advisory 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 & Dismemberment
In the event of your Accidental Death or Dismemberment resulting from a covered Injury, StudentSecure 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
Repatriation of Remains
In the event of a covered Injury or Illness resulting in your death, StudentSecure 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
StudentSecure offers limited Home Country coverage. Medical expenses only can be covered during one incidental visit of up to 15 days. The member must return abroad, either to the Host Country or another country en route to the Host Country, no more than 15 days after the return to the Home Country 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.
If you are hospitalized as Inpatient on your coverage Termination Date, StudentSecure 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.
All Hospitalizations, Surgeries, Pregnancies, Emergency Medical Evacuations, Emergency Reunions, Repatriation of Remains, Computerized Tomography (CAT Scan), and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have your Physician call, HCCMIS with all information relative to your claim. You may also pre-notify by submitting details through Student Zone. Be sure to have your ID number available. If you do not Pre-notify, medical expenses will be reduced by 50% and all other expenses will be forfeited.
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.