StudentSecure Insurance for students studying aboard

Student Secure BUY ONLINE QUOTES BROCHURE CLAIMS REVIEWS RENEWAL PPO  PROS   CONS 
StudentSecure insurance is an ideal insurance coverage to meet the specific needs of international students. This insurance is available as smart plan, select plan and budget plan to cover individuals and their family. It covers the insured for emergency medical evacuation, intercollegiate sports, acts of terrorism. StudentSecure satisfies J visa requirements, and is popular with international students in the USA. Student Secure Insurance offers pre-existing conditions coverage. It is administered by HCC Medical Insurance Services Insurance

Coverage
Benefits Select Budget Smart
Policy Maximum Participant - $300,000
Spouse - $50,000
Child - $50,000
Participant - $250,000
Spouse - $50,000
Child - $50,000
Participant - $200,000
No dependent coverage
Maximum benefit per injury or illness Participant - $300,000
Spouse - $50,000
Child - $50,000
Participant - $250,000
Spouse - $50,000
Child - $50,000
Participant - $100,000
No dependent coverage
Deductible $25 per injury or illness within the PPO outside the U.S. or student health center; otherwise $50 per injury or illness $45 per injury or illness within the PPO outside the U.S. or student health center; otherwise $90 per injury or illness $50 per injury or illness within the PPO outside,the U.S. or student health center; otherwise $100 per injury or illness
Coinsurance - claims incurred inside U.S Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum.
For charges incurred within the PPO or at a Student Health Center, coinsurance will be waived
Underwriters will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to certificate period maximum
For charges incurred within the PPO or at a Student Health Center, coinsurance will be waived
Underwriters will pay 80% of eligible expenses after the deductible
Coinsurance - claims incurred outside of U.S After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum
Hospital room & 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
Intensive care unit Usual, reasonable, and customary charges Usual, reasonable, and customary charges Usual, reasonable, and customary charges
Local ambulance Up to $750 per injury / illness if hospitalized as inpatient Up to $500 per injury / illness if hospitalized as inpatient Up to $300 per injury / illness if hospitalized as inpatient
Accidental death & dismemberment Principal sum – lifetime maximum
Participant - $25,000
Spouse - $10,000
Child - $5,000
No Coverage No Coverage
Pre-Existing Conditions Coverage 180 days waiting period 180 days waiting period $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
 
Pre-Existing Conditions Coverage
  • A pre-existing condition is generally defined as any injury or illness which, within the 12 months prior to the effective date of coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a physician was consulted.

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