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.
| Designed to meet requirements 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 |
| Plan Level | Policy Max | Deductible per injury/illness (in-network) | Brochure | Price per month * (in the United States) |
|
|---|---|---|---|---|---|
| Buy Now | Smart | $200,000 |
$50 per injury/illness (in-network) |
$31 | |
| Buy Now | Budget | $500,000 |
$45 per injury/illness (in-network) |
$51 | |
| Buy Now | Select | $600,000 |
$35 per injury/illness (in-network) |
$99 | |
| Buy Now | Elite | $5,000,000 |
$25 per injury/illness (in-network) |
$193 |
* Rates are based on students aged 24 and under, studying inside the USA, and do not include the optional sports rider.
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% of eligible expenses after the deductible up to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
In-Network: 100% of eligible expenses after the deductible to the overall maximum Out-Network: Usual, Reasonable, and Customary (URC) |
| Pre-existing Conditions (Acute Onset) |
$25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
See policy wording for full benefit description |
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description |
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description |
Additional $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition during waiting period
See policy wording for full benefit description |
| Pre-existing Conditions | Not Covered | 12-month waiting period | 6-month waiting period | 6-month 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. |
| School Team Sports | Not Covered |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
No Coverage Optional Team Sports rider available, please select that option to view pricing |
| Recreational, Fitness and Leisure Activities | Covered per policy conditions | Covered per policy conditions | Covered per policy conditions | Covered per policy conditions |
| Adventure Sports | Some exclusions apply | Some exclusions apply | Some exclusions apply | Some exclusions apply |
| Emergency Medical Evacuation/Repatriation | $50,000 / $25,000 | $250,000 / $25,000 | $300,000 / $50,000 | $500,000 / $50,000 |