Memphis Theological Seminary

Our Student Secure plan is a great option for students at Memphis Theological Seminary, as it provides comprehensive coverage designed specifically for international students.

The plan comes in three levels; Smart, Budget and Select and offers inpatient and outpatient medical coverage up to $200,000 (smart), $250,000 (budget) or $300,000 (select). You can purchase the plan for up to 364 days initially, with renewability options for up to 4 years while still a student.

To view all of the plan details, please choose the appropriate option above your school's logo.

Highlights of the Student Secure plan include:

Up to $500,000 policy maximum

As low as $25 deductible

Prescription Medication

Mental Health/ Maternity

Pre-Existing Conditions

Sports Benefits

Online Instant Application

Renewability

Plan Management Online

Four plan levels to choose

Buy Coverage Now

Need your documents now? If you need your insurance documents quickly, you can apply online for coverage and receive all your insurance documents online and to your email address in PDF format immediately. Simply download and print these documents for instant proof of coverage.

Benefits	Smart	Budget	Select	Elite
Certificate Period Maximum Cert. Period Max.	$200,000$200k	$250,000$250k	$300,000$300k	$500,000$500k
MaximumMax. Benefit per injury/ illness	$100,000$100k	$250,000$250k	$300,000$300k	$500,000$500k
Deductible per injury/ illness Inside PPO Network, Outside USA or at Student Health Center	$50	$45	$35	$25
Deductible per injury/ illness All other locations	$100	$90	$70	$50
ER Deductible claims incurred in the USA	$350	$350	$200	$100
Provider Network	First Health Provider Network
Coinsurance Co-Ins. - Inside the USA * After the deductible	80% Coverage after the Deductible*	80% Coverage up to $25,000$25k, then 100% up to the Certificate MaximumMax., after the Deductible*	80% Coverage up to $5,000$5k, then 100% up to the Certificate MaximumMax., after the Deductible*	100% of Eligible Expenses within the PPO Elsewhere,Else, 80% coverage up to $5,000$5k then 100% up to the Certificate MaximumMax., after the Deductible*
Coinsurance Co-Ins. - Outside the USA	100% of Eligible Expenses after the Deductible
Hospital Room & Board	Average Semi-Private Room Rate, including nursing services
Local Ambulance per injury/ illness if hospitalized as Inpatient	Up to $300	Up to $500	Up to $750	Up to $750
Intensive Care Unit	URC	URC	URC	URC
Outpatient Treatment	URC	URC	URC	URC
Prescription Medication	50% of Actual Charge For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program - further details below.	50% of Actual Charge For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program - further details below.	50% of Actual Charge For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program - further details below.	80% of Actual Charge For those members with a US destination, you will be automatically enrolled into the VantageAmerica Drug Discount program - further details below.
Mental Health - Outpatient Treatment must not be obtained at the Student Health Center	$50 per day $500 max. per certificate period	$50 per day $500 max. per certificate period Coverage includes drug and alcohol abuse. †	80% within the PPO, 60% out of network — Max. 30 days of coverage. Coverage includes drug and alcohol abuse. †
Mental Health - Inpatient Treatment must not be obtained at the Student Health Center	URC up to $5,000$5k max. per certificate period	URC up to $10,000$10k max. per certificate period Coverage includes drug and alcohol abuse. †	80% within the PPO, 60% out of network — Max. 30 visits. Coverage includes drug and alcohol abuse. †
Dental treatment due to accident	No CoverageN/A	$250 per tooth $500 MaximumMax.	$250 per tooth $500 MaximumMax.	$250 per tooth $500 MaximumMax.
Dental treatment to alleviate pain Not subject to deductible or coinsurance)	No CoverageN/A	$100 MaximumMax.	$100 MaximumMax.	$100 MaximumMax.
Pre-existing Condition	$25,000$25k lifetime maximummax. (life) for eligible medical expenses for the acute onset of pre-existing condition only	12-monthmo. waiting period, and $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only	6-monthmo. waiting period, and $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only	6-monthmo. waiting period, and $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
Maternity Maternity care for a covered pregnancy	No Coverage N/A	80% up to $5,000 within the PPO; 60% up to $5,000 outside the PPO	80% up to $10,000 within the PPO; 60% up to $10,000 outside the PPO	80% up to certificate period maximum within the PPO; 60% up to certificate period maximum outside the PPO
Newborn Care Routine nursery care of newborn	No CoverageN/A	$250 MaximumMax.	$750 MaximumMax.	$750 MaximumMax.
Therapeutic Termination of Pregnancy	$500 MaximumMax.
Physical Therapy & Chiropractic CareP.T. & Chiro.	$25 per day	$50 per day	$50 per day	$75 per day
Sports Coverage Max. per injury / illness — Medical expenses only Intercollegiate, interscholastic, intramural, or club sports	No CoverageN/A	$3,000	$5,000	$5,000
Terrorism	No CoverageN/A	$50,000$50k MaximumMax.	$50,000$50k MaximumMax.	$50,000$50k MaximumMax.
Emergency Medical Evacuation Emerg. Med. Evac. Not subject to deductible or coinsurance	$50,000$50k	$250,000$250k	$300,000$300k	$500,000$500k
Emergency Reunion Emerg. Reun. Not subject to deductible or coinsurance	$1,000 lifetime	$1,000 lifetime	$5,000 lifetime	$5,000 lifetime
Accidental Death & Dismemberment AD&D Not subject to deductible or coinsurance	No CoverageN/A	No CoverageN/A	Principal Sum $25,000 Death or Loss of 2 limbs - Principal sum; Loss of 1 Limb - Half of principal sum
Repatriation of Remains Not subject to deductible or coinsurance	$25,000$25k	$25,000$25k	$25,000$25k	$50,000$50k
Personal Liability Not subject to deductible or coinsurance	No CoverageN/A	No CoverageN/A	No CoverageN/A	$250,000$250k

† Where indicated, coverage includes drug and alcohol abuse.

Please note - The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan certificate ( Smart, Budget, Select and Elite ) for the full benefits and limitations of the plan. All benefits, except Accidental Death & Dismemberment, are subject to the Deductible and Coinsurance. Limits apply to all benefits.

Pre-Existing Medical Conditions

Charges resulting directly or indirectly from any pre-existing conditions are excluded from this insurance during the first six (6) months of coverage on the Elite and Select, during the first twelve (12) months on the Budget, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.

The Smart level does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains, subject to the limits set forth in the Schedule of Benefits and Limits.”

Pre-existing Condition means any

condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the certificate effective date
condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the certificate effective date;
injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the certificate effective date.

Acute Onset of Pre-Existing Condition

You are covered

Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which:

Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms; and
Is of short duration; and
Is rapidly progressive; and
Requires urgent care.

You Are Not Covered unless you fulfil the following condition

The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or
The pre-existing condition is a chronic or congenital condition or that gradually becomes worse over time; or
The charges are for known, scheduled, required, or expected f care, drugs or treatments existent or necessary prior to the certificate effective date; or
Expenses arise directly or indirectly from anything in the General Exclusions.

Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Medical Expenses

We well pay

Charges made by a hospital for:
1. Daily room and board and nursing services not to exceed the average semi-private room rate; and
2. Daily room and board and nursing services in Intensive Care Unit; and
3. Use of operating, treatment or recovery room; and
4. Services and supplies which are routinely provided by the hospital to persons for use while inpatients; and
5. Emergency treatment of an injury or illness, even if hospital confinement is not required. However, charges for use of the emergency room itself within the U.S. will be subject to deductible as provided under the Schedule of Benefits and Limits.
Surgery at an outpatient surgical facility, including services and supplies.
Charges made by a physician for professional services, including surgery. Charges for an assistant surgeon are covered up to 20% of the usual, reasonable and customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder.
Dressings, sutures, casts or other supplies which are medically necessary and administered by or under the supervision of a physician, but excluding nebulizers, oxygen tanks, diabetic supplies, supplies that are available over the counter or without prescriptions, and support or brace appliances.
Diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).
Artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.
Reconstructive surgery when the surgery is directly related to surgery which is covered hereunder.
For radiation therapy or treatment and chemotherapy.
Hemodialysis and the charges by the hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.
Oxygen and other gasses and their administration by or under the supervision of a physician.
Anesthetics and their administration by a physician.
Drugs which require prescription by a physician for treatment of a covered injury or illness, but excluding drugs: prescribed for the treatment of diabetes, replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
Care in a licensed extended care facility upon direct transfer from an acute care hospital.
Home nursing care in bed by a qualified licensed professional, provided by a home health care agency upon direct transfer from an acute care hospital and only in lieu of medically necessary inpatient hospitalization.
Emergency local ambulance transport necessarily incurred in connection with injury or illness resulting in inpatient hospitalization.
Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident which was covered under this insurance with the Budget, Select and Elite.
Emergency dental treatment necessary to resolve acute onset of pain, provided treatment is obtained within 24 hours of the acute onset of pain with the Budget, Select and Elite.
Medically necessary rental of durable medical equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices.
Physical therapy if prescribed by a physician for treatment of a covered injury or illness.
Routine and medically necessary care of newborns as provided in the Schedule of Benefits, provided that the delivery of the newborn is covered hereunder.
Pre-natal care, delivery of newborn, and post-natal care related to a covered pregnancy which began after the effective date of coverage with the Budget, Select and Elite.
For treatment of mental health disorders (including drug abuse and alcohol abuse with the Budget, Select and Elite).

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Emergency Medical Evacuation

We will pay

Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and
Emergency ground transportation necessarily preceding emergency air transportation; and from the destination airport to the hospital where you will receive treatment.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The illness or injury giving rise to the expense are covered under this insurance; and
Medically necessary treatment, services and supplies cannot be provided locally; and
Transportation by any other method would result in the loss of your life or limb; and
Recommended by the attending physician who certifies to the above; and
Agreed upon by you or your relative; and
The condition giving rise to the Emergency Medical Evacuation occurred spontaneously and without advance warning, either in the form of physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the onset of the emergency.

We will not pay for claims arising directly or indirectly from

Travel arrangements, excluding Emergency Local Ambulance, that are not approved in advance and coordinated by us; and
Anything mentioned in the General Exclusions.

We will provide Emergency Medical Evacuation only to the nearest hospital that is qualified to provide the medically necessary treatment, services and supplies to prevent your loss of life or limb.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

Notwithstanding the foregoing, and if you are visiting the U.S., we will pay for expenses to return you to your home country if the attending physician and our medical consultant agree that transfer to the home country is more appropriate than transfer to the nearest qualified hospital.

Repatriation of Remains

We will pay

Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest your principal residence; and
Reasonable costs of preparation of the remains necessary for transportation.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

When the illness or injury giving rise to the expense are covered under this insurance.

We will not pay for claims arising directly or indirectly from

Travel arrangements that are not approved in advance and coordinated by us; and
Anything mentioned in the General Exclusions.

We are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the repatriation process or otherwise.

The timeliness of arrangements can be affected by circumstances which are not within our control such as:
availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. You agree to hold us harmless and we shall not be held liable for any delays that are not within our direct and immediate control.

Emergency Reunion

We will pay

The cost of an economy round-trip air or ground transportation ticket for one relative for transportation to the terminal serving the area where you are hospitalized or are to be hospitalized following Emergency Medical Evacuation; and
Reasonable expenses for lodging and meals for the relative, which are incurred in the area where you are hospitalized for a period not to exceed 15 days.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Only following a covered Emergency Medical Evacuation, or
You are hospitalized as an inpatient for at least five days due to a life-threatening covered condition.

Emergency Reunion benefits not related to an Emergency Medical Evacuation will be paid only following the end of the minimum five day inpatient stay.

We will not pay for claims arising directly or indirectly from

Anything mentioned in the General Exclusions.

Accidental Death and Dismemberment (Select and Elite only)

We will pay

Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary.
Loss of 2 or more Limbs or eyes – we will pay the amount indicated in the Schedule of Benefits to you.
Loss of 1 Limb or eye – we will pay one-half of the amount indicated in the Schedule of Benefits to you.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and
In no event will our payment under this benefit total more than the principal sum.

We will not pay for claims arising directly or indirectly from

Accidents or loss caused by or contributed to by any of the following:
- Terrorism, war or act of war, whether declared or undeclared.
- Your participation in a riot, insurrection or violent disorder.
- Your service in the armed forces of any country.
- Suicide or attempted suicide or self-inflicted injury, while sane or insane.
- The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician.
- Committing or attempting to commit a felony.
- Sickness, mental health disorder, or pregnancy.
- As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly,
- Myocardial infarction or cerebrovascular accident (CVA / Stroke).
- Infection, except infection through a wound caused solely by an accident.
- Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation.
- Medical or surgical treatment for any of the above.
- Any non-covered sports activities.
Anything mentioned in the General Exclusions.

Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

Beneficiary means the individual named in your application to be the recipient of any accidental death benefit.

Sports and Activities

Intercollegiate, Interscholastic, Intramural, or Club Sports (Budget, Select and Elite only)
We will pay

Subject to the limit set forth in the Schedule of Benefits and Limits, you are covered for injury or illness sustained while taking part in sanctioned intercollegiate, interscholastic, intramural, or club sports.
We will not pay for claims arising directly or indirectly from
1. Sports or athletics not sanctioned by your school; and
2. Any activity performed in a professional capacity or for any wage, reward, or profit; and
3. Anything mentioned in the General Exclusions.
Leisure, Recreational, Entertainment, or Fitness Sports and Activities

We will pay

Subject to the overall maximum limit, you are covered for injury or illness sustained while taking part in sports and activities, unless it is excluded below.

You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times.
We will not pay for claims arising directly or indirectly from
1. Sports or athletics involving regular or scheduled practice and/or games; and
2. Any activity performed in a professional capacity or for any wage, reward, or profit; and
3. Anything mentioned in the General Exclusions; and
4. Any of the excluded items listed below:
  - Aviation (except when traveling solely as a passenger in a commercial aircraft)
  - Base Jumping
  - BMX freestyle
  - Bungee Jumping
  - Free-Diving
  - Hang-Gliding
  - Jet Skiing
  - Mountaineering where a reasonably prudent person would use ropes or guides or at elevations of 4,500 meters or higher
  - Parachuting
  - Racing by any Animal, Motorized Vehicle, or BMX
  - Skateboarding
  - Sky Diving
  - Sky Surfing
  - Snow Skiing and Snowboarding, except recreational downhill and/or cross country snow skiing or snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body)
  - Spelunking
  - Sub Aqua Pursuits involving underwater breathing apparatus unless accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified
  - Surfing
  - Whitewater Kayaking and Rafting

Personal Liability (Elite Only)

We will pay

Up to the sum insured shown in the Schedule of Benefits and Limits (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of:

Accidental bodily injury, including death, illness and disease to a third person; and/or
Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or
Accidental loss of or damage to a related third person’s material property (property that is both material and tangible);

We will not pay for claims arising directly or indirectly from

Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a licensed physician;
Bodily injury, illness or disease of any person under a contract of employment, service or apprenticeship with you when the bodily injury, illness or disease arises out of and in the course of their employment to you, or in connection with any trade, business or profession;
Loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you in the course of the trip;
Bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you or on behalf of you of: aircraft, hovercraft, watercraft, motorized vehicles, parachute, parasail, glider, firearms, fireworks, explosives, deadly weapons, or any racing activity;
Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting;
Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers;
Damages resulting from any fire, flood, wind, hail, waterleak, gas leak, explosion or other catastrophe;
Fraudulent, dishonest or criminal acts of you or any person authorised by you;
The consequences of any breach, violation or failure to perform any contractual undertakings or obligations, whether verbal or in writing;
Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or regulatory bodies;
Gambling, gaming, or betting of any kind;
Animals or pets belonging to you, or in your care, custody or control;
Anything mentioned in the General Exclusions.

Specific Conditions

You or your legal representatives will give us written notice immediately if you have received notice of any prosecution or inquest in connection with any circumstances which may give rise to liability under this section.
No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior written consent.
Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and immediately upon receipt.
We shall be entitled to take over and conduct in your name the defense or settlement of any claim or to prosecute in your name for our own benefit any claim for indemnity or damages against all other parties or persons.
We may at any time pay you in connection with any claim or series of claims the sum insured (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made we shall relinquish the conduct and control and be under no further liability in connection with such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such payment.
We will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to you or for your benefit to settle and compromise an asserted claim against you so long as:
1. The asserted claim is one that may be eligible for coverage under this insurance;
2. A lawsuit has not yet been filed, or, if already filed, no response has been filed;
3. You obtain a full written release and/or covenant-not-to-sue satisfactory to us; and
4. A full proof of claim and other necessary documentation is satisfactorily provided to us.

Third Person means any individual, natural person, or other legal entity or person, other than you or a related third person.

Related Third Person means any individual or natural person who is your relative, your traveling companion a relative of such traveling companion, and any other person, individual or family member with whom you are residing or being hosted.

Terrorism (Budget, Select and Elite only)

We will pay

Eligible Medical Expenses for treatment of injuries and illnesses resulting from an Act of Terrorism, up to the limit set forth in the Schedule of Benefits and Limits, provided all of the following conditions are met.

We will provide the above benefits only when the conditions and restrictions in this policy and the following are met, and

The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; and
You have no direct or indirect involvement in the Act of Terrorism; and
The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months immediately prior to your date of arrival; and
You have not failed to depart a country or location within 10 days following the date a warning to leave that country or location is issued by the United States government.

For the purpose of this insurance, an “Act of Terrorism” means 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.

We will not pay for claims arising from

Loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss, damage, cost or expense:
1. war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; and
2. the use of any biological, chemical, radioactive or nuclear agent, material, device or weapon; however, this exclusion shall not apply where you are exposed to nuclear radioactive and/or radioactive material for the purpose of medical treatment; and
3. any Act of Terrorism, not specifically covered above; and
4. coverage for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (a), (b) or (c) above; and
5. Anything mentioned in the General Exclusions.

If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon you.

In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

Cancellation

We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium.

Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions:

A $25 cancellation fee will apply for administrative costs incurred by us; and
Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the plan will be refunded; and
You cannot have filed any claims to be eligible for premium refund; and
No refund of premium shall be granted after 60 days.

Eligibility

You must be under age 65; and
1. A full-time student at a college or university (excluding online colleges and universities); or
2. Within 31 days of being a full-time student at a college or university; or
3. A student under age 19 enrolled in a secondary school; or
4. A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week;
You must be residing outside your home country for the purpose of pursuing international educational activities; and
You must not have obtained residency status in your host country; and
If in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.

J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas.

Certificate Effective Date

Insurance hereunder is effective on the later of:

The moment we receive application and correct premium if application and payment is made online or by fax; or
12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is made by mail; or
The moment you depart from your home country; or
12:01am U.S. Eastern Time on the date requested on the application.

Certificate Termination Date

Insurance hereunder terminates on the earlier of:

11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; or
11:59pm U.S. Eastern Time on the date requested on the application; or
12:01am U.S. Eastern Time on the date you no longer meet eligibility requirements; or
The moment of arrival upon your return to your home country (unless you have started a benefit period or are eligible for home country coverage).

Benefit Period

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, in accordance with this provision, we will pay eligible medical expenses for up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country and while this certificate is in effect. The benefit period applies only to eligible medical expenses related to a condition for which you are hospitalized as an inpatient on the termination date of the certificate.

Home Country Coverage

Benefit Period – In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses for which you are hospitalized as an inpatient on the termination date of the certificate.

Incidental Home Country Coverage –For every three month period during which you are covered, eligible medical expenses are covered up to a maximum of 15 days for any three month period.

Any benefit accrued under a single three month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

For all non-U.S. citizens electing coverage “Excluding the U.S.” and for all U.S. citizens or residents, no coverage is provided within the U.S., except for U.S. citizens or residents during an eligible incidental home country visit or an eligible benefit period.

Except for a benefit period, coverage provided under this Master Policy is for a maximum duration of 364 days. Any extension is based upon the eligibility rules in force and is solely at our discretion.

Notwithstanding the foregoing, coverage under all plans shall terminate on the date we, at our sole option, elect to cancel all members of the same sex, age, class or geographic location, provided we give no less than 30 days advance written notice by mail to your last known address.

What Travel Assistance Services are Included?

The following Assistance Services are included this plan:

Pre-Trip Destination Information: Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country.
Medical Monitoring: Consultations with attending medical professionals during your hospitalization and establishment of a single point-of-contact for family members to receive ongoing updates regarding your medical status.
Provider Referrals: Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken
Travel Document Replacement: Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents
Lost Luggage Assistance: Tracking service to assist in locating luggage or other items lost in transit.

Other important travel Assistance Services include:

Prescription Drug Replacement
Emergency Travel Arrangements
Dispatch of Physician
Translation Assistance
Credit Card/Traveler Check Replacement

The Travel Assistance Services are not insurance benefits and provision of any travel Assistance Service is not a guarantee of any other benefit under the plan.

VantageAmerica Discount Card

Your nationally recognized VantageAmerica Solutions Discount Pharmacy Card provides discounts on most FDA approved prescription drugs. There are no limited drug lists, no waiting periods and your card is active the moment you present it to the pharmacy saving an average from 5%-15% off the cash price for brand drugs and an average 15%-40% off the price of generic drugs. In the event a pharmacy's price is lower than our discounted price, you will always receive the lowest price available.

Your VantageAmerica Solutions Discount Pharmacy Card is widely accepted at over 54,000 participating pharmacies across the United States, including most national and regional chains, pharmacy associations, and many local community pharmacies.

Once you have received your instant discount, the remaining prescription expenses can still be submitted for reimbursement as usual.

Please note:

Card NOT Valid in AK, MA, MN, MT, VT, and Canada
Pharmacy discounts are NOT insurance and are NOT intended as a substitute for insurance.
The discount is only available at participating pharmacies

Underwriter

Who underwrites the Student Secure plan and what is their rating?

Lloyd’s of London is the underwriter of the Student Secure plan. They are rated A (Excellent) by AM Best Company and A+ (Strong) by Standard and Poor’s, meeting all visa requirements for the USA and countries around the world.

Eligibility

Where will this plan cover me?

The Student Secure plan will cover you anywhere in the world, as long as you are outside of your home country.

Am I eligible to apply for the Student Secure?

If you are a student in the USA on an F1 or J1 visa, you are automatically eligible for the Student Secure plan.
For those on other visa types, or those studying outside of the US, you will need to be a full-time student or scholar, or within 31 days of being a full-time student.

Will this plan work for me while on OPT/CPT?

Yes, students on OPT or CPT are eligible for the Student Secure, even while on post-completion OPT, as long as you maintain valid F1 status.

Does this plan work for scholars?

Yes, full-time scholars who are outside of their home country and affiliated with an educational institution and performing work or research for at least 30 hours per week are eligible for the Student Secure plan. These activities may include but are not limited to performing research in an area of specialty or teaching for a temporary period of time. This requirement is waived for participants in the US with a valid F1 or J1 visa.

Are my spouse and children eligible for the plan?

No, spouses and children are not eligible for the Student Secure plan, however if you need dependent coverage please see our other insurance options.

Application Help

When can I apply for the plan online?

Coverage can be purchased online from anywhere up to 6 months before your chosen start date, right up until the very same day you are traveling.

Will I get an ID card?

Yes, you will receive an electronic PDF version of your insurance ID card immediately by email, and you can also choose to receive a physical ID card in the mail by selecting the “Email and Regular Mail” option on the application.

When will I get my documents?

When applying online, you will receive all your insurance documents, including your ID card and receipt of purchase, immediately by email. These documents can be printed out as proof of coverage.

If you would like physical documents to be mailed, make sure you choose the “Email and Regular Mail” option on the online application. Physical delivery time will depend on the postal service, with delivery to a US address taking about one week and international addresses may take about 2-3 weeks. Express delivery is also available for an additional $20 if your address is in the US or an additional $30 if your address is outside the US. Please Note: There is no additional fee to mail your documents with the regular mail option.

What forms of payment do you accept?

We accept all major credit or debit cards including Visa, MasterCard, Discover and American Express. You are also welcome to use a friend or family member’s credit or debit card with their permission to purchase the plan. If you would prefer to pay using a check and wire transfer, please contact us for more information.

What is a Beneficiary?

The Student Secure Select and Elite plan has a death benefit that would be paid out to the beneficiary in case of death. The beneficiary is the name of the person who would receive this death benefit. Most students put the name of their mother, father, brother, sister, husband or wife - however you can put any name you wish, including your estate.

Renewability, Extensions and Cancellations

Can I extend or renew my insurance plan?

Yes. If you purchase your policy for less than 364 days, you can extend the plan up until you have a full 364 days of coverage. Once you have a full 364 days of coverage, you can then renew your plan for another year. If you continue to meet the eligibility requirements and don’t have any breaks in coverage, you can extend and renew your policy for up to a total of 4 years. Please note that there is an additional $5 fee per extension or renewal. All extensions and renewals can be done quickly and easily through your Student Zone account.

My plan has expired, how can I reinstate it?

Once a plan has expired or lapsed, it cannot be reinstated. You can instead purchase a new plan and begin coverage as soon as the same day. Please click here to apply online again.

Can I cancel my Student Secure plan?

To be eligible for a full refund, the request for cancellation must be received prior to the effective date of your policy.

Cancellation requests received after the effective date will be subject to the following conditions:

A $25 cancellation fee will apply, if paid in full.
Only premium for unused whole-months, if paying in monthly installments, or unused days, if paid in full, of the plan will be refunded.
Only members who have no claims are eligible for premium refund.
After 60 days, no refunds are granted.
If you have only purchased 1 months coverage and cancel within that month, no refund will be due.

All cancellation requests must be submitted in writing, and a cancellation form must be completed. No cancellation requests can be accepted over the phone. You may send this request and completed form to info@internationalstudentinsurance.com.

Understanding Your Coverage

Does this plan cover maternity?

Yes, the Student Secure Budget, Select and Elite do cover pregnancies if conception occurs after the policy effective date. Benefits include, but are 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.

Please note - the Student Secure Smart plan does not provide maternity coverage and if you are pregnant before the policy effective date, costs related to the pregnancy will not be covered.

Are sports covered under this policy?

The Student Secure Budget, Select and Elite levels all cover medical expenses for injuries and illnesses that result from participation in intercollegiate, interscholastic, intramural, or club sports up to a maximum of $5,000 per Injury or Illness with the Select and Elite levels and $3,000 per injury or Illness with the Budget level.

Does this plan have vision or dental coverage?

The Student Secure plan does not provide any coverage for vision.

Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage of $250 per tooth up to a maximum of $500 on the Budget, Select and Elite plans only. Regular dental check-ups or visits are not covered - however if you do have unexpected dental pain the plan will pay $100 towards expenses for treatment for this pain if you are on the Budget, Select or Elite plans. The Smart level does not provide any dental coverage. If you require a more comprehensive dental insurance plan, please see our dental plans.

What does Usual Reasonable and Customary (URC) mean?

Usual Reasonable and Customary (URC) is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area. So if a particular procedure typically costs $5,000 in the New York City area, and most providers customarily charge about $5,000 for that procedure, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment amount to "Usual Reasonable and Customary" - in this example, $5,000.

What is the difference between the Smart, Budget, Select and Elite plans?

The Student Secure plan comes in four plan options; Smart, Budget, Select and Elite. The main differences between the four plans falls into two main areas 1) Differences in benefit levels and 2) Out of Pocket expenses you will need to pay.

The main benefit differences are as listed in our benefits table, where the Elite typically has higher coverage levels for each benefit, and then the Smart, Budget and Select plans are more restricted or may not cover all benefits. For the out of pocket differences, please see the Frequently Asked Questions listed below as they deal with the deductible and coinsurance differences on each plan level.

What is the copay or out of pocket cost on this plan?

The Student Secure plan does not have a copay but the plan does have two out of pocket expenses: the deductible and the coinsurance.

What is a deductible?

The deductible is the amount you are required to pay to the doctor or hospital before the insurance company will pay toward your eligible expenses. On the Student Secure plan, it is paid once for every new illness or injury - not per visit. If you became ill or injured and went to the doctor you would pay the deductible, but if you went for a follow-up visit on that same condition you would not need to pay the deductible again since you’ve already paid it for that condition.

The deductible on the Student Secure is represented in the table below:

Treatment Received:	Inside the PPO Network in the USA, or Outside the USA, or At a Student Health Center	Outside the PPO Network in the USA
Smart Plan	$50	$100
Budget Plan	$45	$90
Select Plan	$35	$70
Elite Plan	$25	$50

What is coinsurance?

After the deductible, coinsurance applies to your benefits, and this is the cost sharing between you and the insurance plan. This is typically referred to as a percentage that the plan will pay, for example if there is 80% coverage - the insurance plan will pay 80% and you will need to pay the remaining 20%.

The coinsurance on the Student Secure plan is as follows:

Smart plan is 80% coverage
Budget plan is 80% coverage for the first $25,000 of your medical cost, then 100% after
Select plan is 80% coverage for the first $5,000 for your medical cost, then 100% after.
Elite plan is 100% coverage^*

^* When seeking treatment inside the PPO network or at Student Health Center.

Will I get home country coverage?

The Student Secure will cover you up to 15 days for medical expenses ONLY if you return back to your home country for an incidental visit. To receive the benefit, once you have arrived home, you must return abroad within 15 days - either to the host country or another country en route to your host country. Please also note that the return to your home country cannot be taken for the purpose of receiving medical treatment for an injury or illness that began when you were abroad.

Seeking Treatment

Which doctors or hospitals can I go to?

You are free to visit any doctor or hospital (known as providers) that you wish to seek treatment from. However we do suggest you visit these providers as they are typically better placed to treat you:

Student Health Center: Most schools offer a student health center which should be your first option in seeking treatment
First Health Provider Network: The First Health Network will accept the Student Secure Insurance plan

Doctor/Provider Search

When visiting the Student Health Center and First Health Network your insurance payments will be less, as per the full table of benefits — so there are advantages to staying within these locations.

How are claims paid?

Claims are paid depending on where you are located and where you seek treatment:

In-network while inside the USA: When you visit a provider that is part of the First Health Network your insurance bill is typically paid directly. You will need to complete a claim form and email this to service@hccmis.com for processing.
Out-of-network while inside the USA: When you visit a provider that is outside the network, you will need to pay for all services up front and then submit your bills and receipts, along with a claim form for reimbursement.
Outside the USA: When visiting a provider around the world, please pay for the services up front and then submit a claim form for reimbursement.

If you are hospitalized for an emergency or planned hospitalization you will need to call the 24 hour emergency assistance number located on the back of your insurance ID card and they will assist you further with settling the hospital bills.

The Student Secure plan provides coverage for international students and study abroad students around the world outside of their home country. There are 4 main plans to choose from that offer:

Worldwide including the USA - for international students in the USA
Worldwide excluding the USA - for study abroad and international students around the world

Monthly Rates

Worldwide Including the USA

	Smart	Budget	Select	Elite
Under 18	$39.00	$55.00	$111.00	$155.00
18-24	$29.00	$44.00	$89.00	$124.00
25-30	$64.00	$75.00	$187.00	$262.00
31-40	$131.00	$181.00	$380.00	$532.00
41-50	$230.00	$322.00	$675.00	$945.00
51-64	$311.00	$433.00	$910.00	$1273.00

Worldwide Excluding the USA

	Smart	Budget	Select	Elite
Under 18	$36.00	$48.00	$83.00	$116.00
18-24	$29.00	$39.00	$66.00	$93.00
25-30	$33.00	$39.00	$66.00	$93.00
31-40	$66.00	$89.00	$144.00	$202.00
41-50	$118.00	$224.00	$324.00	$454.00
51-64	$171.00	$304.00	$413.00	$578.00

Daily Rates

Worldwide Including the USA

	Smart	Budget	Select	Elite
Under 18	$1.28	$1.81	$3.65	$5.10
18-24	$0.95	$1.45	$2.93	$4.08
25-30	$2.10	$2.47	$6.15	$8.61
31-40	$4.31	$5.95	$12.49	$17.49
41-50	$7.56	$10.59	$22.19	$31.07
51-64	$10.22	$14.24	$29.92	$41.85

Worldwide Excluding the USA

	Smart	Budget	Select	Elite
Under 18	$1.18	$1.58	$2.73	$3.81
18-24	$0.95	$1.28	$2.17	$3.06
25-30	$1.08	$1.28	$2.17	$3.06
31-40	$2.17	$2.93	$4.73	$6.64
41-50	$3.88	$7.36	$10.65	$14.93
51-64	$5.62	$9.99	$13.58	$19.00