International Student Health Insurance
Need insurance while studying overseas? The Student Secure plan is designed for both international and study abroad students.
Need insurance while studying overseas? The Student Secure plan is designed for both international and study abroad students.
The Student Secure plan provides international student health insurance to both international and study abroad students who are studying outside of their home country. There are four levels of coverage to choose from; Smart, Budget, Select, and Elite — so there will be a plan option to suit all requirements and budgets.
It offers coverage on a daily or monthly basis (with monthly payment option) that will meet many school and government requirements, and for those students on the J1 and F1 visa (even those on OPT) you are automatically eligible for coverage.
| Ideal for F1, J1 and OPT students | Monthly Payment Option | Renewable for up to 4 years |
| Telemedicine covered | Doctor Network through UnitedHealthcare | Manage your plan online |
For in-person medical care please locate a doctor, clinic or hospital that is part of the UnitedHealthcare Network. It is recommended to search for a doctor, urgent care or walk-in clinic as the best places to seek medical care.
Only use the Emergency Room (ER) in real emergency situations, as you will have to pay more to visit the ER in the USA.This plan is underwritten by Lloyd's.
|
Smart |
Budget |
Select |
Elite |
|
|---|---|---|---|---|
| Medical Maximum | $200,000 | $500,000 | $600,000 | $5,000,000 |
| Per Injury/Illness Maximum | $100,000 | $250,000 | $300,000 | $500,000 |
| Deductible | $50 | $45 | $35 | $25 |
| Coinsurance |
In-Network: 80% Coverage after the Deductible Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% Coverage up to $25,000, then 100% up to the Certificate Maximum, after the Deductible Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% Coverage up to $5,000, then 100% up to the Certificate Maximum, after the Deductible Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 100% of Eligible Expenses after the Deductible Out-Network: Usual, Reasonable, and Customary (URC) |
| Pre-existing Conditions | $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only |
12-month waiting period Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
6-month waiting period Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
6-month waiting period Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period |
| Maternity | Not Covered | Up to $5,000 | Up to $10,000 | Up to $25,000 |
| Mental Health |
Outpatient: $50 per day, $500 Inpatient: Up to $5,000 |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
Outpatient: Max. 30 days of coverage. Inpatient: Max. 30 visits. Coverage includes drug and alcohol abuse. |
| Team Sports | Not Covered | $3,000 | $5,000 | $5,000 |
| Recreational, Fitness and Leisure Activities | Covered per policy conditions | Covered per policy conditions | Covered per policy conditions | Covered per policy conditions |
| Adventure Sports | Not Covered | Some exclusions apply. | Some exclusions apply. | Some exclusions apply. |
| Emergency Medical Evacuation/Repatriation | $50,000 / $25,000 | $250,000 / $25,000 | $300,000 / $25,000 | $500,000 / $50,000 |
