Student Secure - Student Health Insurance

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Student Secure PPO

Student Secure - Benefits

Student Secure Student Health Insurance

All benefits listed above are for an inidivual only, if you would like the benefits for spouses/ children please see the policy brochure. All benefits are per covered individual and for covered conditions. All benefits, except Accidental Death & Dismemberment, are subject to the Deductible and Coinsurance. Limits apply to all benefits.

Covered Medical Expenses

1. Inpatient and Outpatient charges made by a Hospital.
2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other Medical Specialist to whom the Physician has referred the case.
3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or Medical Specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
5. Charges for oxygen and other gases and anesthetics and their administration.
6. Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
7. Charges made by a licensed Extended Care Facility upon direct transfer from an Acute Care Hospital.
8. Emergency Local Ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization.

Pre-Existing Conditions

After 12 months of continuous coverage, StudentSecure SM will provide benefits for Pre-existing Conditions. A Pre-existing Condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted.

PLEASE NOTE - If your school has a strict insurance requirement that your international student health insurance plan have a waiting period of no more than 6 months for pre-existing conditions - please visit our Student Secure 6 Month plan which is designed for you!

Maternity & Newborn Care

When conception occurs after the Effective Date of Coverage, StudentSecure SM provides Maternity benefits, including but not limited to pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine Nursery Care of Newborns is also covered, subject to the maximum shown in the Schedule of Benefits and Limits.

Organized Sports Activities

Medical expenses for Injuries or Illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure SM plan up to a maximum of $5,000 per Injury or Illness. Covered organized sports are: basketball, baseball, cross country, dance team, football, golf, kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and wrestling.

Mental Health Disorders

StudentSecure SM provides benefits for Mental Health Disorders. Outpatient treatment is covered to a maximum of $50 per day, with a $500 Lifetime Maximum. Usual, Reasonable, and Customary expenses are covered for Inpatient treatment to a $10,000 Lifetime Maximum. Treatment for Mental Health Disorders is covered only if not obtained from a Student Health Center.

Emergency Dental

The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per Certificate Period.

Emergency Medical Evacuation

If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MultiNational Underwriters®, StudentSecure SM will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

Emergency Reunion

StudentSecure SM will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:

1. Following a covered Emergency Medical Evacuation; or
2. You are hospitalized due to a life-threatening Injury or Illness for more than five days.

MNU must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the Inpatient hospitalization.

Terrorism

StudentSecure SM provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 Lifetime Maximum, provided all of the following conditions are met:

1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
2. You have no direct or indirect involvement in the Act of Terrorism.
3. The Act of Terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
4. You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact your representative for additional information about this exciting product offered by MultiNational Underwriters®.

Accidental Death & Dismemberment

In the event of your Accidental Death or Dismemberment resulting from a covered Injury, StudentSecure SM will provide the following benefit:

• Accidental Death – Principal Sum to the Beneficiary designated on your Application
• Loss of Sight in both eyes or loss of two or more Limbs – Principal Sum to you
• Loss of Sight in one eye or loss of one Limb – One-half of the Principal Sum to you

Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and Dismemberment benefit is not available for losses resulting from an Act of Terrorism.

Repatriation of Remains

In the event of a covered Injury or Illness resulting in your death, StudentSecure SM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

Incidental Home country Coverage

StudentSecure SM offers limited Home Country coverage. Medical expenses only can be covered during one incidental visit of up to 15 days. The member must return abroad, either to the Host Country or another country en route to the Host Country, no more than 15 days after the return to the Home Country in order to be eligible for this benefit. Return to the Home Country must not be taken for the purpose of obtaining treatment for an Injury or Illness that began outside of the Home Country.

Benefit Period

If you are hospitalized as Inpatient on your coverage Termination Date, StudentSecure SM will provide a Benefit Period of 60 days for that condition only. The Benefit Period begins on the first date that you receive diagnosis or treatment for the condition and continues for 60 days, regardless of whether you are abroad or return to your Home Country.

Pre-notification Requirements

All Hospitalizations, Surgeries, Pregnancies, Emergency Medical Evacuations, Emergency Reunions, Repatriation of Remains, Computerized Tomography (CAT Scan), and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have your Physician call, MultiNational Underwriters® with all information relative to your claim. You may also pre-notify by submitting details through Student Zone. Be sure to have your ID number available. If you do not Pre-notify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

Eligibility

To be eligible for StudentSecureSM, Participants must meet all of the following requirements:

• 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 F1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
• Must be residing outside Home Country for the purpose of pursuing international educational activities.
• Must not have obtained residency status in the Host Country.

Participants visiting the US must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.

Eligibility Definitions

• Full-time Student: A student at a college or university who is taking 10 credit hours (undergraduate students) or 6 credit hours (graduate students). Full-time Student status for individuals enrolled at colleges or universities that do not use a credit hour system must provide documentation of Full-time Student status.
• Full-time Scholar: An individual who is affiliated with an educational institution and is engaging in educational activities for at least 30 hours per week. These activities may include but not be limited to performing research in an area of specialty or teaching for a temporary period of time.
• Home Country: The Participant’s Home Country is the country of Principal Residence as declared on the Application form. The Principal Residence is the country of the Participant’s true, fixed, and permanent home.

Dependent Eligibility

Dependents must meet all of the following requirements:

• Must be the Participant’s legally married spouse, or be the Participant’s unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance.
• Must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities.
• Must be temporarily located outside the Participant’s Home Country (the Dependent’s Home Country is the same as that of the Participant, regardless of Principal Residence).
• Must not have obtained residency status in the Host Country.

Effective & Termination Dates

Coverage becomes effective on the latest of:

1. The moment we receive the application and correct premium (if application and payment is made online or by fax); or
2. 12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail); or
3. 12:01am US Eastern Time on the date you meet eligibility requirements.

Coverage terminates on the earliest of:

1. 11:59pm US Eastern Time on the last day of the period for which you have paid premium; or
2. 11:59pm US Eastern Time on the last date requested on your application; or
3. 12:01am US Eastern Time on the date you no longer meet eligibility requirements.

Cancellations and Refunds

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:

1. A $25 cancellation fee will apply
2. Only the unused portion of the plan cost will be refunded
3. Only members who have no claims are eligible for premium refund
4. After 60 days, no refunds are granted

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