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StudentSecure Smart Coronavirus Insurance for Covid19

StudentSecure insurance Covid - StudentSecure Smart insurance coverage for Coronavirus

TokioMarine Covid19 Student health insurance by Student Secure Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country.

StudentSecure Smart Insurance Cost

StudentSmart Insurance
StudentSecure Smart Underwriter
Underwritten by Lloyd's London
StudentSecure Smart Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
Certificate period maximum
$200,000
Maximum benefit per injury or illness
$100,000
Deductible Options?
$50 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness
Insurance Provider
Tokio Marine HCC
StudentSecure Smart Network
PPO Network for StudentSmart Plan.

StudentSecure Smart Links

  • Brochures
  • Application
  • Example
  • Benefits
  • Comprehensive
  • ID Card
  • Detailed description

StudentSecure Smart International Student Health Insurance

StudentSecure Smart Insurance is the most affordable plan and offers limited health insurance coverage for international students pursuing their education outside their home country. It is lowest cost plan with lowest maximum benefits and highest deductible. This plan meets J-1 visa requirements, covers pre-existing condition coverage only for the acute onset of a pre-existing condition. It as a monthly payment option.

Tokio Marine HCC(HCCMIS) StudentSecure Smart Plan Summary, Best international student insurance

What is the eligibility to buy Student Secure Smart Insurance?
StudentSecure Smart Insurance Eligibility
  • Individuals up to the age of 65 years.
  • Individuals must 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 must 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 including those students on OPT or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
  • Must be residing outside his or her Home Country for the purpose of pursuing international educational activities
  • Must not have obtained residency status in the Host Country.
  • Participants in the U.S. must hold a valid education related Visa. A copy of the I-20 or DS2019 may be requested.

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StudentSecure Smart Insurance Coinsurance?
  • Inside the United States
    • In ppo network: Plan pays 80% of eligible expenses after the deductible up to the overall maximum limit.
    • Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • Outside the United States
    • After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.

What are the US state and country restrictions to buy Student Secure Smart Insurance plan?
StudentSecure Smart Insurance Restrictions
StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.

StudentSecure Smart Insurance Plan Benefits, International student health insurance

Benefits Coverage
Hospital room & board Average semi-private room rate, including nursing services.
Local ambulance Up to $300 per injury / illness if hospitalized as inpatient
Intensive care unit Up to overall maximum limit
Outpatient treatment Up to the overall maximum limit
Outpatient prescription drugs 50% of actual charge
Mental health disorders Outpatient:$50 maximum per day, $500 maximum; Inpatient: Up to $5,000 maximum (Treatment must not be obtained at a Student health center.)
Dental treatment due to accident Up to $250 maximum per tooth; $500 maximum per certificate period.
Dental treatment to alleviate pain Up to $100 for acute onset pain. Not subject to deductible or coinsurance.
Acute onset of pre-existing condition $25,000 lifetime maximum for eligible expenses (excludes chronic and congenital conditions)
Therapeutic termination of pregnancy Up to $500 maximum per certificate period
Physical therapy & chiropractic care Up to $25 per visit per day
Emergency medical evacuation Up to $50,000 lifetime maximum. Not subject to deductible or coinsurance.
Emergency reunion Up to $1,000, maximum of 15 days
Repatriation of remains Up to $25,000 lifetime maximum (not subject to deductible or coinsurance)
travel

Compare Student Secure Insurance Plans by Tokio Marine HCC

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Student Secure Smart Insurance - Provider network and how to find hospital or doctor?

Tokio Marine HCC maintains a wide network of health care providers. In US there are 2 options: First Health care network and United health care.

You need to check your insurance card to find any one of the below 2 logos:
First Health Care Provider Network mb-2    United Healthcare Provider Network
  • If you are traveling within the U.S. and have First Health logo on your ID card then click here
  • If you are traveling within the U.S. and have United Healthcare logo on your ID card then click here

Outside US: Equian International Provider Network
Equian International Provider Network
If you are traveling outside the U.S. and have the Equian logo on your ID card, then click here
Find Provider Network

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StudentSecure Smart Insurance - Common Questions

TokioMarine HCCMIS Covid19 travel insurance by StudentSecure Smart travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Yes, International students can renew Student Secure Smart Insurance online up to 12 months.

If you want to cancel Student insurance, you must submit your cancellation request to orders@hccmis.com in order to receive a refund or premium. Only members who have no claims are eligible for premium refund.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • $25 cancellation fee will be charged by the insurance company.
  • Only unused portion of the plan cost will be refunded.
  • After 60 days, no refunds are granted.

Student Secure Smart insurance does not offer coverage for Maternity and new born care coverage. Other Student Secure insurance plans (Student Secure Budget, Student Secure Select and Student Secure Elite) offer coverage for maternity and new born care coverage.

Student Secure Smart insurance does not offer coverage for Intercollegiate, interscholastic, intramural, or club sports. Other Student Secure insurance plans (Student Secure Budget, Student Secure Select and Student Secure Elite) offer coverage for Team Sports.

Yes, Student Secure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.

Student Secure Smart insurance offers comprehensive coverage for international students. After the deductible amount. If the student seeks treatment with the provider network namely “First Health care network or United health care.”. When studying outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, Student Secure Smart insurance pays 80% of the eligible expenses up to the overall maximum limit while seeking treatment in a provider network. Outside the provider network, it is Usual, reasonable, and customary charges and the student may be responsible for any charges exceeding the payable amount. Student Secure Smart Insurance offers 100% of eligible expenses to the certificate period maximum after the deductible for claims outside the US. For detailed working example of how it works, you can review Student Secure Smart insurance working example.

StudentSecure Smart Travel Insurance Advantages

StudentSecure Smart Insurance Covid19 travel insurance by TokioMarine HCCMIS for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Tokio Marine HCCMIS resourceful travel insurance links

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