StudentSecure Smart student medical Insurance | WorldTrips cheap international student health insurance

StudentSecure Smart Insurance - Key Highlights

This is an international student health plan which is suited for international students studying abroad outside their home country.
This plan comes in four levels of coverage Elite, Select, Budget or Smart to suit the needs and budget of the student.
The Smart plan provides a policy maximum of $100,000 and Certificate period maximum of $200,000.
There will be a deductible of $50 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $100 deductible per injury or sickness is applicable.
Plan provides $350 for treatment in an emergency room for claims within the US only.
Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered after deductible. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
Co-insurance for claims incurred outside the US : After the deductible, 100% of the eligible expenses are covered up to the Certificate period maximum.
Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- $50 maximum, $500 maximum, Inpatient - Up to $5000 maximum.
Acute onset of pre-existing condition is covered for $25,000 lifetime maximum for eligible expenses.
Intensive Care Unit charges are covered up to the overall maximum limit.
Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
Dental treatment due to accident is covered as $250 maximum per tooth, $500 maximum per Certificate period (Not subjected to co-insurance).
Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
Emergency Medical Evacuation is covered for up to $50,000 lifetime maximum (Not subject to deductible or co-insurance).
Repatriation of remains is covered for up to $25,000 lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

WorldTrips StudentSecure Smart Plan Summary

What is the eligibility to buy StudentSecure Smart Insurance?

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.

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 StudentSecure Smart Insurance plan?

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 benefits

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 $50,000 lifetime maximum
Emergency reunion	Up to $1,000, subject to a maximum of 15 days
Repatriation of remains	Up to $25,000 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 $5,000

Acute onset of pre-existing condition * $25,000 lifetime maximum for eligible expenses
Terrorism Up to $50,000 lifetime maximum for eligible medical expenses only.

Sports & activities - Leisure, recreational, entertainment, or fitness Up to the overall maximum limit

StudentSecure insurance

General definition of pre-existing condition:

"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:

The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
You must be under eighty (80) years of age;
You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
You must be traveling outside your home country

StudentSecure Smart insurance - Common Questions

WorldTrips, a member of Tokio Marine HCC group of companies since 1998 has been offering several travel insurance and trip cancellation products for international travelers across the globe. Their Atlas travel insurance and Visitors Secure products are popular for product excellence, by giving affordable options for travelers to customize to meet the requirements of unique traveler needs. Individuals traveling for vacation, business men, students and group insurance works well for travelers traveling overseas.

This Indianapolis based company is the first company to enable their products and services for visitors via the internet for both US citizens and non–US citizens traveling abroad and to the US.

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.

The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.

Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.

The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.

You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.

The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

WorldTrips covid insurance is provided with the Atlas travel insurance plan to include coverage for Covid19 illness in their insurance coverage. The Atlas travel insurance products are available for both US Citizens and Non–US citizens. Travelers can get a quote among the various options they offer according to the travel requirements.

WorldTrips for over 23 years is a well-recognized company in the US and across the globe for their vast network of hospitals and healthcare support system .The company offers several travel insurance plans for travelers with financial support , access to the best healthcare support and 24/7 emergency travel assistance.

WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.

WorldTrips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.

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.

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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

Terrorism	Up to $50,000 lifetime maximum for eligible medical expenses only.
Sports & activities - Leisure, recreational, entertainment, or fitness	Up to the overall maximum limit