WorldTrips, P.O. Box 2005, Farmington Hills, MI 48333
Student Secure - Smart Policy Claims
Which doctor or hospital can you go to?
The Student Secure - Smart insurance plan belongs to the United Healthcare PPO network. You can go to any doctor or hospital of your choice, but it is recommended to go to a doctor or medical facility within the providers network for easier claims process and negotiated rates. You can search for doctors or hospitals in the United Healthcare network here: PPO Network
How much coverage does it offer?
Read your policy document carefully to know the limits, benefits, and exclusions. In some cases, pre-certification may be required.
Payment and Claim process?
For traveler insurance plans, direct billing is never guaranteed. The billing process is the discretion of the providers. Depending on their billing practices, the providers can either directly bill the insurance company or send the bills to the insured person. They could also ask you to pay up front, and get reimbursed from the insurance company. Regardless of the billing process, you should always report and file a claim after receiving services. Claims must be reported and submitted to the insurance administrator WorldTrips, within 90 days from the date of service received.
Reporting and filing the claim:
All claims must be submitted in writing along with supporting documents and receipts. Supporting documents include the insured's ID, copy of passport, copies of all receipts, bills, itemized services, and a cover letter.
Contact Information for Student Secure - SmartDownload Student Secure - Smart Insurance Claims Form
To learn about the claims process, please visit our support section - Visitors Insurance Claims Procedure.
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.