Student Secure - Smart
Limited Coverage- AM Best Rating
- A + (Superior)
- Carrier/Underwriter
- Lloyd's of London
- Administrator
- Tokio Marine HCC – MIS Group
Extendable
Basic Coverage Plan
Coverage from 5 days to 364 months
PPO
UnitedHealthcare Urgent Care
- Cannot accept an address in Maryland (MD), New York (NY) & Washington (WA).
Student Secure Insurance - Smart 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 - Smart Plan Brochure 
or policy document for complete and accurate coverage information.
Out-Patient
Dr. / Physician Visit
After the deductible, within the PPO network, the plan pays 80% up to the certificate period maximum.
Urgent Care
After the deductible, within the PPO network, the plan pays 80% up to the certificate period maximum.
Surgical Treatment
After the deductible, within the PPO network, the plan pays 80% up to the certificate period maximum.
Prescription Drugs / Medicines
50% of actual charge
Lab & X-rays
After the deductible, within the PPO network, the plan pays 80% up 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.
In-Patient
Hospital Room
Average Semi-private room rate, including nursing services.
Hospital Intensive Care Unit
After the deductible, within the PPO network, the plan pays 80% up to the certificate period maximum.
Drug/Alcohol Abuse
Not Covered
Emergency Services
Ambulance Expenses
Up to $300 per injury/illness if hospitalized as inpatient
Emergency Room(ER)
$350 deductible
Dental
Acute, spontaneous and unexpected pain
Up to $100
Accidental emergency
$250 maximum per tooth
$500 maximum per certificate period
Travel
Emergency Medical Evacuation / Repatriation
$50,000 lifetime maximum
Return of Remains
$25,000 lifetime maximum
Emergency Reunion
$1,000 lifetime maximum
Life
AD&D
Not Covered
Other
Mental Illness
Outpatient: $50 maximum per day, $500 maximum. Inpatient: Up to $5,000.
Pre-Existing Conditions
$25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Not Covered
Brochure
Support
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 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.
Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.
Plan Type
Comprehensive Coverage Plan
AM Best Rating
A + (Superior)
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Trip Interruption
Not Covered
Co-Insurance
After the Deductible, 80% up 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
Renewability
Yes
Cancellation
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
$50 per Injury or Illness for PPO and Student Health Center ; otherwise $100 per Injury or Illness.
If treatment received outside of U.S. $50 per illness or injury.
Provider Directory
By Provider, Phone Nos. : 800-335-0477 or 317-575-2656
Plan Brochure
Student Secure Insurance - Smart Plan FAQs | |
| Q : Who is eligible to buy Student Secure Insurance? You must meet the following criteria to be eligible for Student Secure:
| |
| 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:
| |
| 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:
| |
| Q : Does Student Secure Insurance cover Pre-Existing Conditions? Student Secure - Smart does not 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 - Smart cover pregnancy? No, it does not provide pregnancy coverage. | |
| Q : Will my Student Secure Insurance cover me if I travel outside the U.S.? Yes. Student Secure Insurance covers the insured 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. | |
| 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. | |
Disclaimer
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.
