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Compare Student Secure Insurance Plans by Tokio Marine HCC(HCCMIS)

best travel insurance price
Student Secure provides excellent insurance cover to international students and scholars outside their home country.


Compare Student Secure Insurance Plans by Tokio Marine HCC(HCCMIS)

Age
Start Date
End Date
Coverage Region
Citizenship
Student Secure Elite
Plan Maximum
Deductible
Student Secure Select
Plan Maximum
Deductible
Student Secure Budget
Plan Maximum
Deductible
Student Secure Smart
Maximum
Deductible
"EXCELLENT" "BEST" "BETTER" "GOOD"
brochure  Brochure & Details links
» StudentSecure Elite Brochure
» StudentSecure Elite Details
» StudentSecure Elite Reviews
» StudentSecure Select Brochure
» StudentSecure Select Details
» StudentSecure Select Reviews
» StudentSecure Budget Brochure
» StudentSecure Budget Details
» StudentSecure Budget Reviews
» StudentSecure Smart Brochure
» StudentSecure Smart Details
» StudentSecure Smart Reviews
file  Underwriter
StudentSecure Elite Insurance Underwriter
Certain Underwriters at Lloyd's of London
StudentSecure Select Insurance Underwriter
Certain Underwriters at Lloyd's of London
StudentSecure Budget Insurance Underwriter
Certain Underwriters at Lloyd's of London
StudentSecure Smart Insurance Underwriter
Certain Underwriters at Lloyd's of London
Best Rating  Rating
StudentSecure Elite Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
StudentSecure Select Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
StudentSecure Budget Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
StudentSecure Smart Insurance Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
Ideal for  Ideal for
Residing outside your home country for the purpose of pursuing international education Residing outside your home country for the purpose of pursuing international education Residing outside your home country for the purpose of pursuing international education Residing outside your home country for the purpose of pursuing international education
Highlights  Plan Highlights
Lowest deductible & offers top-tier benefits Expensive & offers comprehensive coverage Reasonable & a prominent plan Affordable & offers limited coverage
Highlights  Certificate period maximum
Up to $5,000,000 Up to $600,000 Up to $500,000 Up to $200,000
Highlights  Maximum benefit per injury or illness
Up to $500,000 Up to $300,000 Up to $250,000 Up to $100,000
Highlights  Deductible
$25 per injury or illness within the PPO network, outside the U.S. or at a student health center; otherwise $50 per injury or illness $35 per injury or illness within the PPO network, outside the U.S. or at a student health center; otherwise $70 per injury or illness $45 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $90 per injury or illness $50 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $100 per injury or illness
Coinsurance  Coinsurance - claims incurred inside US:
In ppo network: Plan pays 100% of eligible expenses, after the deductible, up to the overall maximum limit.
Out of ppo network: Plan pays 100%.
In ppo network: Plan pays 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of ppo network: Plan pays 100%.
In ppo network: Plan pays 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
Out of ppo network: Plan pays 100%.
In ppo network: Plan pays 80% of eligible expenses after the deductible up to the overall maximum limit.
Out of ppo network: Plan pays 100%.
Coinsurance  Coinsurance - claims incurred outside of US:
After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. After the deductible, plan pays 100% of eligible expenses to the certificate period maximum. After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.
Ambulance  Local Ambulance
Up to $750 per injury / illness if hospitalized as inpatient Up to $750 per injury / illness if hospitalized as inpatient Up to $500 per injury / illness if hospitalized as inpatient Up to $300 per injury / illness if hospitalized as inpatient
Intensivecareunit  Intensive care unit
Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
Outpatient  Outpatient treatment
Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit Up to overall maximum limit
medicine  Outpatient prescription drugs
100% coinsurance for generic; 50% coinsurance for brand name 50% of actual charge 50% of actual charge 50% of actual charge
mentaldisorder  Mental health disorders (Treatment must not be obtained at a Student health center.)
Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days Outpatient: Maximum of 30 visits; Inpatient: Maximum 30 days Outpatient: $50 maximum per day, $500 maximum; Inpatient: Up to $10,000 maximum Outpatient: $50 maximum per day, $500 maximum; Inpatient: Up to $5,000 maximum
Dental  Dental Treatment due to accident
Up to $250 maximum per tooth; $500 maximum per certificate period Up to $250 maximum per tooth; $500 maximum per certificate period Up to $250 maximum per tooth; $500 maximum per certificate period Up to $250 maximum per tooth; $500 maximum per certificate period
Dental  Emergency dental
Up to $100 for acute onset pain Up to $100 for acute onset pain Up to $100 for acute onset pain Up to $100 for acute onset pain
Pre-existing  Pre-existing condition
Covered after 6 months waiting period Covered after 6 months waiting period Covered after 12 months waiting period Not Covered
Pre-existing  Acute onset of pre-existing condition (excludes chronic and congenital conditions)
$25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses $25,000 lifetime maximum for eligible expenses
pregnancy  Maternity
Up to $25,000 Up to $10,000 Up to $5,000 Not Covered
pregnancy  Nursery care of newborn
Up to $750 maximum Up to $750 maximum Up to $250 maximum Not Covered
pregnancy  Therapeutic termination of pregnancy
Up to $500 maximum per certificate period Up to $500 maximum per certificate period Up to $500 maximum per certificate period Up to $500 maximum per certificate period
Physicaltherapy  Physical therapy & chiropractic care
Up to $75 per visit per day Up to $50 per visit per day Up to $50 per visit per day Up to $25 per visit per day
sports  Intercollegiate, interscholastic, intramural, or club sports:
Up to $5,000 maximum per injury or illness, medical expenses only Up to $5,000 maximum per injury or illness, medical expenses only Up to $3,000 maximum per injury or illness, medical expenses only Not Covered
Terrorism  Terrorism
Up to $50,000 maximum lifetime limit Up to $50,000 maximum lifetime limit Up to $50,000 maximum lifetime limit Not Covered
evacuation  Emergency medical evacuation
Up to $500,000 lifetime maximum Up to $300,000 lifetime maximum Up to $250,000 lifetime maximum Up to $50,000 lifetime maximum
reunion  Emergency reunion
Up to $5,000, maximum of 15 days Up to $5,000, maximum of 15 days Up to $1,000, maximum of 15 days Up to $1,000, maximum of 15 days
Accidental  Accidental death & dismemberment
Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum Not Covered Not Covered
Repatriation  Repatriation of remains (not subject to deductible or coinsurance)
Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $25,000 lifetime maximum Up to $25,000 lifetime maximum
Personal  Personal Liability
Up to $250,000 lifetime maximum Not Covered Not Covered Not Covered
Optional  Optional coverage
Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses Offers optional Crisis Response rider for ransom, personal belongings, and Crisis Response fees and expenses - -
unique  Unique Advantages
StudentSecure Elite Advantages:
  • Lowest deductible and Highest maximum benefits offered.
  • Meets J-1 visa requirements.
  • Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up) and Personal Liability coverage.
StudentSecure Select Advantages:
  • Meets J-1 visa requirements.
  • Includes Accidental Death & Dismemberment (AD&D) coverage (with optional buy-up.)
  • Some intercollegiate, interscholastic, intramural, or club sports coverage.
StudentSecure Budget Advantages:
  • Mid-level benefits and mid-level deductible.
  • Meets J-1 visa requirements.
  • Some intercollegiate, interscholastic, intramural, or club sports coverage.
StudentSecure Smart Advantages:
  • Lowest cost plan but also lowest maximum benefits and highest deductible.
  • Meets J-1 visa requirements.
  • NO intercollegiate, interscholastic, intramural, or club sports coverage.

Compare Student Secure Insurance Plans

TokioMarine HCC medical insurance services has designed Student Secure insurance Student Secure Insurance offers international student health insurance coverage for students on full term courses or exchange scholars in a foreign country. TokioMarine Student Secure Insurance ratings by AM Best Rating is A++ (Superior). Tokio Marine is widely known and has been offering health insurance products to customers in 130 countries.
As Student Secure insurance comes in three variants, Smart, Select, Budget and Elite. It is recommended to compare among them and buy the best student insurance as per your requirements. These affordable international student insurance plans satisfy most of the university requirements and also US J visa requirements. TokioMarine HCC also provide proof of comparable coverage with waiver forms and visa letters to the enrolled university once the student buys the plan.
Student Secure Smart insurance is the most cheapest health insurance for international students with basic coverage of $200,000. It doesn’t offer coverage for pre-existing conditions, vaccinations, maternity and new born, sports and terrorism.
Student Secure Budget insurance is for budget conscious students looking for coverage that would cover most of the expenses up to $500,000. It has 12 months waiting period to cover pre-existing conditions. It doesn’t offer coverage for Vaccinations.
Student Secure Select insurance is international student who want adequate health insurance of $600,000 for emergency sickness and injuries due to accidents. It has 6 months waiting period to cover pre-existing conditions. It has deductible amount of $35 per injury or sickness.
Student Secure Elite insurance is a high end student insurance offering overall maximum coverage of $5 million. It is more expensive compared to the other student insurance plans but offers extensive coverage. It has a less deductible of $25 per injury or sickness. It has 6 months waiting period to cover pre-existing conditions.

student group travel insurance
Group travel insurance for students
Students traveling overseas in groups can purchase the group insurance plans. This makes it a lot easier to administer the plan and these plans are cheaper than buying individual student travel plans

VIEW GROUP PLANS

Different Student Insurance Visas

J1 visa holders

Insurance for Exchange scholars satisfying visa requirements

F2 dependents

Insurance plans for dependents of an F1 visa holders

US Student Abroad

Insurance plans for US students studying outside their home country

J2 dependents

Insurance for J2 visa dependants satisfying visa requirements

OPT Status within F1 visa

Insurance plans for students on OPT status

M1 visa holders

Medical insurance for students on vocational training.

Student health insurance information

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