• Provides coverage for pre-existing conditions after a 180-day waiting period for Student Secure Select and Student Secure Budget Plans.
  • Sports: Medical treatment arising out of participation in intercollegiate, interscholastic, intramural and sports club $5000(student secure select plan) and $3000(student secure budget plan) per injury or sickness.
  • Life/Plan renewal: The plan is available for an unlimited period of time to J1 and F1 visa holders who are engaged in a full-time educational program.
  • For charges incurred within the PPO or at a student health center, coinsurance will be waived and deductible is reduced to $50.

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A working example of using Student Secure travel insurance (Offered by Tokio Marine HCC) *

Let us take an example: The medical bill is $25,000; Deductible is $35 and choosen Policy Maximum is $300,000
  • Insurance coverage is $300,000
  • Deductible is $35 per certificate period
  • Total medical expenses is $25,000
The insured must pay the deductible ($35) before the insurance plan pays anything. Since the policy maximum coverage is $300,000 and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($300,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $8,000 $1,000 (20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $24,000 $1,000
*Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

 
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