The Student Secure plan provides international student health insurance to both international and study abroad students who are studying outside of their home country either in the USA or around the world. This comprehensive student health insurance plan offers coverage on a monthly basis that will meet and exceed nearly all school and government requirements, and for those students on the J1 and F1 visa (even those on OPT) you are automatically eligible for coverage.Whether you are looking for individual coverage or coverage for the entire family, our Select, Budget and Smart options have the features you need. These plans include coverage for emergency medical evacuation, sports, mental health, maternity (Budget and Select) and more!
Plan Level Options
The Student Secure comes in four plan levels: Smart, Budget, Select and Elite – providing you with the plan choices you need from the basic level, right up to the most comprehensive Elite plan. It also includes coverage for mental health, maternity, pre-existing conditions.
Key Benefits of StudentSecure Insurance Plans
| Summary |
Smart |
Budget |
Select |
Elite |
| Overall Maximum Benefit |
$200,000 |
$500,000 |
$600,000 |
$1,000,000 |
| Coinsurance |
Following the deductible, 80% coverage to the maximum medical benefit. |
Following the deductible, 80% coverage up to $25,000, then 100% coverage to the maximum medical benefit. |
Following the deductible, 80% coverage up to $5,000, then 100% coverage to the maximum medical benefit. |
Following the deductible, 100% coverage within the PPO network and outside the U.S.; 80% coverage outside the PPO network. |
| Meets student visa requirements for J-1 visa |
Yes |
Yes |
Yes |
Yes |
| Savings for paying full premium in advance |
Yes |
Yes |
Yes |
Yes |
| Pre-existing condition coverage |
No coverage |
12-month waiting period |
6-month waiting period |
6-month waiting period |
| College sports covered |
No coverage |
Up to $3,000 maximum per injury or illness; medical expenses only |
Up to $5,000 maximum per injury or illness; medical expenses only |
Up to $5,000 maximum per injury or illness; medical expenses only |
| Maternity and newborn care covered |
No |
Yes (80% inside PPO, 60% outside PPO up to $5,000 maximum) |
Yes (80% inside PPO, 60% outside PPO) |
Yes (80% inside PPO, 60% outside PPO) |
| Emergency medical evacuation coverage |
Yes |
Yes |
Yes |
Yes |
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International Student Health Insurance – Plan Benefits
The Student Secure, International Student Health Insurance plan is available to international and study abroad students in four main plan levels; Smart, Budget, Select and Elite. Each plan level offers different coverage limits, with the Smart being the most affordable and the Elite the most comprehensive of the four plans. Please view the benefits below and contact us if you need further help with choosing the best plan option for you.
| Benefits |
Smart |
Budget |
Select |
Elite |
| Certificate Period Maximum |
$200,000. |
$500,000 |
$600,000 |
$1,000,000 |
Maximum Benefit
per injury/ illness |
$100,000 |
$250,000 |
$300,000 |
$500,000 |
Deductible
per injury/ illness
Inside PPO Network, Outside USA or at Student Health Center |
$50 |
$45 |
$25 |
$25 |
Deductible
per injury/ illness
All other locations |
$100 |
$90 |
$50 |
$50 |
| ER Deductible
claims incurred in the USA |
$350 |
$350 |
$100 |
$100 |
| Provider Network |
First Health Provider Network |
Coinsurance
– Inside the USA |
80% Coverage after the Deductible |
80% Coverage up to $25,000, then 100% up to the Certificate Maximum, after the Deductible |
80% Coverage up to $5,000, then 100% up to the Certificate Maximum, after the Deductible |
100% of Eligible Expenses within the PPO.
Elsewhere, 80%coverage up to$5,000 then 100% up to the Certificate Maximum, after the Deductible |
Coinsurance
– Outside the USA |
100% of Eligible Expenses after the Deductible |
| Hospital Room & Board |
Average Semi-Private Room Rate, including nursing services |
Local Ambulance
per injury/ illness if hospitalized as Inpatient |
Up to $300 |
Up to $500 |
Up to $750 |
Up to $750 |
| Intensive Care Unit |
URC |
URC |
URC |
URC |
| Outpatient Treatment |
URC |
URC |
URC |
URC |
| Prescription Medication |
50% of Actual Charge |
50% of Actual Charge |
50% of Actual Charge |
80% of Actual Charge |
Mental Health
– Outpatient
Treatment must not be obtained at the Student Health Center |
$50 per day
$500 max. percertificate period |
$50 per day
$500 max. percertificate period
Coverage includes drug and alcohol abuse. |
80% within the PPO, 60% out of network — Max. 30 days of coverage.
Coverage includes drug and alcohol abuse. |
Mental Health
– Inpatient
Treatment must not be obtained at the Student Health Center |
URC up to $5,000max. per certificate period |
URC up to $10,000max. per certificate period
Coverage includes drug and alcohol abuse. |
80% within the PPO, 60% out of network — Max. 30 days of coverage.
Coverage includes drug and alcohol abuse. |
| Dental treatment due to accident |
No Coverage |
$250 per tooth
$500 Maximum |
$250 per tooth
$500 Maximum |
$250 per tooth
$500 Maximum |
Dental treatment to alleviate pain
Not subject to deductible or coinsurance) |
No Coverage |
$100 Maximum |
$100 Maximum |
$100 Maximum |
| Pre-existing Condition |
$25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only |
12-month waiting period |
6-month waiting period |
6-month waiting period |
Maternity
Maternity care for a covered pregnancy |
No Coverage |
80% up to $5,000 within the PPO; 60% up to $5,000 outside the PPO |
80% up to certificate period maximum within the PPO; 60% up to certificate period maximum outside the PPO |
Newborn Care
Routine nursery care of newborn |
No Coverage |
$250 Maximum |
$750 Maximum |
$750 Maximum |
| Therapeutic Termination of Pregnancy |
$500 Maximum |
| Physical Therapy & Chiropractic Care |
$25 per day |
$50 per day |
$50 per day |
$75 per day |
Sports Coverage
Max. per injury / illness — Medical expenses only
Intercollegiate, interscholastic, intramural, or club sports |
No Coverage |
$3,000 |
$5,000 |
$5,000 |
| Terrorism |
No Coverage |
$50,000 Maximum |
$50,000 Maximum |
$50,000 Maximum |
Emergency Medical Evacuation
Not subject to deductible or coinsurance |
$50,000 |
$250,000 |
$300,000 |
$500,000 |
Emergency Reunion
Not subject to deductible or coinsurance |
$1,000 lifetime |
$1,000 lifetime |
$5,000 lifetime |
$5,000 lifetime |
Accidental Death & Dismemberment
Not subject to deductible or coinsurance |
No Coverage |
No Coverage |
Principal Sum $25,000
Death or Loss of 2 limbs – Principal sum;
Loss of 1 Limb – Half of principal sum |
Repatriation of Remains
(not subject to deductible, coinsurance, or overall maximum limit) |
Up to $25,000 lifetime maximum |
Up to $25,000 lifetime maximum |
Up to $25,000 lifetime maximum |
Up to $50,000 lifetime maximum |
Personal Liability
(not subject to deductible, coinsurance, or overall maximum limit) |
No Coverage |
No Coverage |
No Coverage |
| maximum limit) |
Up to $250,000 lifetime maximum.
Up to $250,000 third person injury or property.
Up to $2,500 related third person property. |
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