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.
StudentSecure insurance is designed for international students seeking:Meets student visa requirements for F-1 & J-1 visa
Acute onset of a pre-existing condition
Monthly payment option
Medical Evacuation coverage
PPO network
Sports Coverage
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.
| Hospital room and board | Average semi-private room rate, including nursing services. |
| Intensive care unit | Up to the overall maximum limit. |
| Outpatient treatment | Up to the overall maximum limit |
| Outpatient prescription drugs | 50% of actual charge (not subject to deductible or coinsurance) |
| Covid coverage | StudentSecure Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country. |
| Outpatient Physical therapy & chiropractic care | Up to $50 per visit per day (not subject to coinsurance. Must be ordered in advance by a physician and not obtained at a student health center) |
| Therapeutic Termination of Pregnancy | Up to $500(not subject to coinsurance) |
| Emergency local ambulance | Up to $300 per injury / illness if hospitalized as inpatient |
| Emergency room co-payment | $350 for treatment received in an emergency room |
| Emergency dental (acute onset of pain up to 72 hours) | Up to $100 (not subject to deductible or coinsurance). |
| Dental treatment due to accident | Up to $250 maximum per tooth; $500 maximum per certificate period. Not subject to coinsurance |
| Emergency medical evacuation | Up to $50k lifetime maximum |
| Emergency reunion | Up to $1k, subject to a maximum of 15 days |
| Repatriation of remains | Up to $25k lifetime maximum |
| Mental health disorders (Treatment must not be provided at a student health center) | Outpatient: $50 maximum per day, $500 maximum. Inpatient: Up to $5k |
| Terrorism | Up to $50k lifetime maximum for eligible medical expenses only. |
| Sports & activities - Leisure, recreational, entertainment, or fitness | Up to the overall maximum limit |
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
Acute onset of pre-existing condition*:Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:
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Buy StudentSecure Smart Travel InsuranceThere are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:
To Meet Visa Requirements:
Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.
To Meet Your Study Abroad Program or School Requirements:
Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@worldtrips.com. We will send completed copies of the form(s) to you and your school.
To Cover Unexpected Medical Expenses:
Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.
Yes, International students can renew StudentSecure Smart Insurance online up to 12 months.
StudentSecure Smart insurance does not offer coverage for Maternity and new born care coverage. Other StudentSecure insurance plans (StudentSecure Budget, StudentSecure Select and StudentSecure Elite) offer coverage for maternity and new born care coverage.
StudentSecure Smart insurance does not offer coverage for Intercollegiate, interscholastic, intramural, or club sports. Other StudentSecure insurance plans (StudentSecure Budget, StudentSecure Select and StudentSecure Elite) offer coverage for Team Sports.
Yes, StudentSecure 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.
StudentSecure 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, StudentSecure Smart insurance pays 80% of the next $5,000 of eligible expenses, then 100% 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. StudentSecure 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 StudentSecure Smart insurance working example.
Certain types of medical expenses are excluded from coverage under StudentSecure international student insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
WorldTrips - Provider network and how to find hospital or doctor?
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