SS-SM

Student Secure - Smart

Limited Coverage,  Rated A (Excellent)By: WorldTrips,  UW: Lloyd'sLloyd's of London
AM Best Rating
A (Excellent)
Carrier/Underwriter
Lloyd's of London
Administrator
WorldTrips
COVID-19 Included
extendable-cancelable
Extendable & Cancelable
urgent-care
Urgent Care
Coverage from 5 days to 364 days
BUY

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 brochure or policy document for complete and accurate coverage information.

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.
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
Ambulance Expenses
Up to $300 per injury/illness if hospitalized as inpatient
Emergency Room(ER)
$350 deductible
Acute, spontaneous and unexpected pain
Up to $100
Accidental emergency
$250 maximum per tooth
$500 maximum per certificate period
Emergency Medical Evacuation / Repatriation
$50,000 lifetime maximum
Return of Remains
$25,000 lifetime maximum
Emergency Reunion
$1,000 lifetime maximum
AD&D
Not Covered
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
24-Hrs Emergency Assistance
Inside USA 800-605-2282
Outside USA 317-262-2132

Plan Administrator Company

WorldTrips

Carrier / Underwriter

Lloyd's of London

AM Best Rating

A (Excellent)

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

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

UnitedHealthcare

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

Inside USA 800-605-2282
Outside USA 317-262-2132

Plan Brochure

Student Secure Insurance Brochure brochure

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.