StudentSecure

From Tokio Marine HCC

Available to full-time students residing outside of their home country who don't obtain residency status, this medical plan that provides coverage for any new illness & injury that might occur while studying outside of your home country.

**Note: StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.

Quote & Buy StudentSecure

StudentSecure Budget & Smart Plans

Benefits
Budget
Smart
Certificate Period Maximum
$250,000
$200,000
Maximum Benefit per Injury or Illness
$250,000
$100,000
Deductible
  • Out of Network - $90 per injury or illness;
  • In Network - $45 per injury or illness if treatment is from student health center or received outside of U.S.;
  • Emergency Room - $350 per injury or illness.
  • Out of Network - $100 per injury or illness;
  • In Network - $50 per injury or illness if treatment is from student health center or received outside of U.S.;
  • Emergency Room - $350 per injury or illness.
Coinsurance
Claims Incurred Inside the U.S.
Underwriters will pay 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the certificate period maximum.
Underwriters will pay 80% of eligible expenses after the deductible to the certificate period maximum limit.
Coinsurance
Claims Incurred Outside the U.S.
Underwriters will pay 100% of eligible expenses after the deductible up to the certificate period maximum.
Additional Benefits
Accidental Death & Dismemberment
No coverage.
Benefit Period for Coverage
after policy termination date
Up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while the participant is outside his or her home country and while the certificate was in effect.
Dental Treatment Due to Accident
  • $250 maximum per tooth;
  • $500 maximum per certificate period.
No coverage.
Dental Treatment to Alleviate Pain
$100 maximum per certificate period
Not subject to deductible or coinsurance
No coverage.
Emergency Medical Evacuation
$250,000 lifetime
Not subject to deductible or coinsurance.
$50,000 lifetime
Not subject to deductible or coinsurance.
Emergency Reunion
$1,000 lifetime maximum
Maximum 15 days. Not subject to deductible or coinsurance
Hospital Pre-certification Penalty
50% of eligible medical expenses.
Hospital Room & Board
Average semi-private room rate, including nursing services.
Intensive Care Unit
Usual, reasonable, and customary charges.
Intercollegiate, Interscholastic, Intramural, or Club Sports
$3,000 maximum per injury or illness. Medical expenses only.
No coverage.
Local Ambulance
$500 per injury or illness when covered injury or illness results in inpatient hospitalization.
$300 per injury or illness when covered injury or illness results in inpatient hospitalization.
Maternity Care for Covered Pregnancy
After deductible, eligible expenses will be paid at 80% within the PPO or 60% outside the PPO up to a certificate period maximum of $5,000.
No coverage.
Mental Health Disorders
treatment must not be obtained at a student health center
  • Outpatient: $50 maximum per day, $500 maximum per certificate period;
  • Inpatient: Usual, reasonable, and customary charges up to $10,000 maximum per certificate period;
  • Drug or Alcohol Abuse: Included.
  • Outpatient: $50 maximum per day, $500 maximum per certificate period;
  • Inpatient: Usual, reasonable, and customary charges up to $5,000 maximum per certificate period;
  • Drug or Alcohol Abuse: Included.
Outpatient Prescription Medication
50% of actual charges.
Outpatient Treatment
Usual, reasonable, and customary charges.
Physical Therapy & Chiropractic Care
Maximum $50 per day. Must be ordered in advance by a physician and not obtained at a student health center.
Maximum $25 per day. Must be ordered in advance by a physician and not obtained at a student health center.
Pre-existing Conditions
Covered after 12-month waiting period.
After deductible and coinsurance, $25,000 lifetime maximum for acute onset of pre-existing conditions. Eligible medical expenses only.
Repatriation of Remains
$25,000 maximum.
Not subject to deductible or coinsurance
Routine Nursery Care of Newborn
$250 maximum per certificate period.
No coverage.
Terrorism
  • $50,000 maximum lifetime. Eligible medical expenses only.
  • $500 maximum per certificate period
No coverage.
Therapeutic Termination of Pregnancy
$250 maximum per certificate period.
No coverage.
Personal Liability
No coverage.

Financial Stability

A subsidiary of Tokio Marine HCC, HCC Lloyd’s Syndicate 4141 is managed by HCC Underwriting Agency Ltd which is authorized by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Registered in England and Wales No. 04632146. Registered office: 1 Aldgate, London EC3N 1RE, United Kingdom.

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.

InsuranceQuest.com is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.

[ learn more ]