Student Secure - Budget

Limited Coverage
AM Best Rating
A (Excellent)
Tokio Marine HCC – MIS Group
Lloyd's of London
Basic Coverage Plan
Coverage from 5 days to 364 months
Urgent Care
  • Cannot accept an address in Maryland (MD), New York (NY) & Washington (WA).

Student Secure Insurance - Budget Plan is visitors medical insurance that provides health coverage for international students. Medical coverage for study abroad, acts of terrorism and astonishing travel assistance services.

Please review Student Secure Insurance - Budget Plan Brochure brochure or policy document for complete and accurate coverage information.


Dr. / Physician Visit

After the deductible,the plan pays 80% for first $25,000, and 100% to the certificate period maximum.

Prescription Drugs / Medicines

50% of Actual Charge

Lab & X-rays

After the deductible,the plan pays 80% for first $25,000, and 100% to the certificate period maximum.

Physical Therapy

Maximum $50 per visit per day.

Must be ordered in advance by a Physician and not obtained at a Student Health Center.


Hospital Room

Average Semi-private room rate ,including nursing services.

Emergency Services

Ambulance Expenses

Up to $500 per injury/illness if Hospitalized as Inpaitent


Acute, spontaneous and unexpected pain

$100 Maximum per Certificate Period

Accidental emergency

$250 Maximum per tooth

$500 Maximum per Certificate Period


Emergency Medical Evacuation / Repatriation

$250,000 Participant Maximum Lifetime
Not subject to Deductible or Coinsurance

Return of Remains

$25,000 Participant Maximum Lifetime
Not subject to Deductible or Coinsurance

Emergency Reunion

$1,000 Lifetime Maximum (subject to a maximum of 15 days, not subject to Deductible or Coinsurance)

Trip Interruption

Not Covered

Loss of checked Baggage

Not Covered



Not Covered


Mental Illness

Outpatient: maximum of 30 visits
Inpatient: maximum of 30 days

Pre-Existing Conditions

Acute onset of pre-existing condition coverage up to $25,000 life time maximum


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.
(Only for pregnancy which occurs after the effective date of coverage )

General Physical full Checkup

Not Covered

Terrorism Coverage

$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only



24-Hrs Emergency Assistance

By Provider, Phone Nos. : 800-335-0477 or 317-575-2656

Plan Administrator Company

Tokio Marine HCC – MIS Group

Carrier / Underwriter

Lloyd's of London

Deductible Content

Deductible Per Incident
What is Deductible?

Deductible is the amount that you are responsible for, before insurance company starts paying for any covered expenses. Deductible for this type of plan is applicable once per incident.

For example: If you visit a doctor for a medical problem, and after consultation, the doctor prescribes Medicines, X-rays, and Lab tests, then since all these services are part of one incident, your deductible will be applicable for these services only once. If you visit a doctor again after a few days for a new problem, the deductible will be applicable again for that new incident.
What deductible to choose with this Plan?

Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.

Note : For Age 70 and above, lower deductible like Zero “0“ is not available.

Plan Type

Comprehensive Coverage Plan

AM Best Rating

A (Excellent)

Coverage in U.S.A.


Coverage outside U.S.A.


Trip Interruption

Not Covered


After the Deductible, insurance company will pay 80% up to next $25,000 and then 100% to the certificate period maximum.

Plan Effective Date

Coverage becomes effective on the latest of:

1. The moment we receive the application and correct premium (if application and payment is made online or by fax)
2. 12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail)
3. 12:01am US Eastern Time on the date you meet eligibility requirements.

Plan End Date

Coverage terminates on the earliest of:

1. 11:59pm US Eastern Time on the last day of the period for which you have paid premium
2. 11:59pm US Eastern Time on the last date requested on your application
3. 12:01am US Eastern Time on the date you no longer meet eligibility requirements.

Deductible Type

Per Incident




Yes : Conditions apply for cancellation requests received after the effective date and no refund is provided after 60 days of purchase.

PPO Network


Available Deductibles

$45 per Injury or Illness for PPO and Student Health Center ; otherwise $90 per Injury or Illness.
If treatment received outside of U.S. $45 per illness or injury.

Provider Directory

By Provider, Phone Nos. : 800-335-0477 or 317-575-2656

Plan Brochure

Student Secure Insurance Brochure brochure

Student Secure Insurance - Budget Plan FAQs

Q : Who is eligible to buy Student Secure Insurance?

You must meet the following criteria to be eligible for Student Secure:

  • 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; or be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
  • Be residing outside Home Country for the purpose of pursuing international educational activities.
  • Not have obtained residency status in the Host Country.

Q: Do I have to be a full-time student to purchase your Student Secure Insurance?

Yes; to be eligible for Student Secure you must be a full-time student at a college or university excluding online colleges and universities, within 31 days of becoming a full-time student, or a full-time scholar affiliated with an education institution performing work or research for at least 30 hours per week.

Q: How will my proof of insurance be sent to me?

If you apply online, the application process generally takes about 10 minutes. If you submit an application by e-mail, fax or mail, it will be processed by the second business day that the completed application and correct premium are received.

Q: When I apply online, when do I get my fulfillment?

Your fulfillment is your policy information. When you apply online for your policy, your fulfillment will be available in your Web browser immediately following the successful purchase of the plan. A copy of the fulfillment will also be sent to the e-mail address you provided on the application. Your fulfillment will include: a summary of benefits, name(s) of policy member(s), ID cards, receipt, and the description of coverage.

Q: I need coverage to begin as soon as possible. Is it possible for my Student Secure policy to go into effect the day I enroll?

No, however, your policy can go into effect as soon as one day after you enroll online.

Q: Are a student's dependents eligible for coverage?

Yes, the dependents must meet all of the following requirements:

  • Must be the Participant's legally married spouse, or be the Participant's unmarried child under age 19 years maintenance.
  • Must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities.
  • Must 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).
  • Have not obtained residency status in the Host Country

Q : Can I buy Student Secure Insurance if I am already studying outside my home country?

Yes. You can enroll in Student Secure Insurance plan regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements in Question 1 above.

Q : Can I extend my coverage?

Yes, you can extend the coverage up to 4 years as long as you fulfill the eligibility requirements in Question 1 above. After 4 years of continuous coverage or any break in coverage, a new plan must be purchased. A new Application is required and you must re-satisfy your Deductible, Coinsurance, Pre-existing

Q : How do I extend my coverage?

Extensions must be completed within 30 days prior to the scheduled expiration date. Extensions may be transacted at any time after the initial effective date. Extensions are available up to 12 months at a time and the deductible and coinsurance must be re-satisfied every 12 months unless there is a break in coverage. Extensions must be made online with payment by credit card

Q: Can I cancel my coverage?

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

  • A $25 cancellation fee will apply
  • Only premium for unused whole-months of the plan will be refunded
  • Only members who have no claims are eligible for premium refund
  • After 60 days, no refunds are granted

Q : Does Student Secure Insurance cover Pre-Existing Conditions?

After 12 months of continuous coverage, Student Secure - Budget will provide benefits for pre-existing condition. A pre existing condition is 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.

Q : Does Student Secure - Budget cover pregnancy?

Yes, it covers the pregnancy of an insured student or enrolled spouse if the pregnancy begins during the coverage period up to $5,000. It does not cover the pregnancy of a dependent child.

Q : Will my Student Secure Insurance cover me if I travel outside the U.S.?

Yes. Student Secure Insurance covers the insured's worldwide, except in your home country, as long as you fulfill the requirements in Question 1 above.

Q : After graduation, I plan to remain in the U.S. for practical training. Am I still eligible for coverage under Student Secure?

No. Once you graduate and are no longer attending school, you are no longer eligible for Student Secure. You should instead enroll in a Visitors insurance Plan.

Q : After I submitted my Enrollment online, I realized I entered the wrong personal information. What should I do?

Send any corrections to us via your customer portal or by email to:, or by fax or mail and we will confirm the changes.

Contact Information: Email:
Fax: 408 6257820
Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer you policy papers/guidelines and contact the Provider for update information.


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.