"EXCELLENT" |
"BEST" |
"BETTER" |
"GOOD" |
Brochure & Details links |
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Coronavirus coverage |
StudentSecure insurance plans offers coronavirus coverage for Covid illness for international students outside their home country. |
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 |
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 |
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 |
Coronavirus coverage |
StudentSecure Elite covid insurance coverage for Coronavirus |
StudentSecure Select covid insurance coverage for Coronavirus |
StudentSecure Budget covid insurance coverage for Coronavirus |
StudentSecure Smart covid insurance coverage for Coronavirus |
Plan Highlights |
Lowest deductible & offers top-tier benefits |
Expensive & offers comprehensive coverage |
Reasonable & a prominent plan |
Affordable & offers limited coverage |
Certificate period maximum |
Up to $5,000,000 |
Up to $600,000 |
Up to $500,000 |
Up to $200,000 |
Maximum benefit per injury or illness |
Up to $500,000 |
Up to $300,000 |
Up to $250,000 |
Up to $100,000 |
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 - 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 - 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. |
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 |
Intensive care unit |
Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
Outpatient treatment |
Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
Up to overall maximum limit |
Outpatient prescription drugs |
100% coinsurance for generic; 50% coinsurance for brand name |
50% of actual charge |
50% of actual charge |
50% of actual charge |
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 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 |
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 condition |
Covered after 6 months waiting period |
Covered after 6 months waiting period |
Covered after 12 months waiting period |
Not Covered |
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 |
Maternity |
Up to $25,000 |
Up to $10,000 |
Up to $5,000 |
Not Covered |
Nursery care of newborn |
Up to $750 maximum |
Up to $750 maximum |
Up to $250 maximum |
Not Covered |
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 |
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 |
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 |
Up to $50,000 maximum lifetime limit |
Up to $50,000 maximum lifetime limit |
Up to $50,000 maximum lifetime limit |
Not Covered |
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 |
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 death & dismemberment |
Up to $25,000 lifetime maximum |
Up to $25,000 lifetime maximum |
Not Covered |
Not Covered |
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 Liability |
Up to $250,000 lifetime maximum |
Not Covered |
Not Covered |
Not Covered |
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 |
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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.
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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.
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StudentSecure Budget Advantages:
- Mid-level benefits and mid-level deductible.
- Meets J-1 visa requirements.
- Some intercollegiate, interscholastic, intramural, or club sports coverage.
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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.
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