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Student Secure
Benefits

The StudentSecure, our international student health insurance plan, is designed for international and study abroad students and is available in four plan levels: Smart, Budget, Select and Elite. Each plan level offers different coverage limits, with the Smart being the most affordable and the Elite the most comprehensive of the four plans. Please view the benefits below and contact us if you need further help with choosing the best plan option for you.


Doctor/Hospital Search

Smart Budget Select Elite
Overall Max Limit $200,000 $500,000 $1,000,000 $5,000,000
Max per injury/illness $100,000 $250,000 $500,000 $500,000

Deductible, Co-pays, and Coinsurance

Smart Budget Select Elite
Deductible $0 $0 $0 $0
Student Health Center Co-Pay $25 $25 $10 $10
Physician Office Co-Pay $75 in-network
$150 out-of-network
$50 in-network
$100 out-of-network
$50 in-network
$100 out-of-network
$20 in-network
$40 out-of-network
Urgent Care/Walk-In Clinic Co-Pay $100 in-network
$200 out-of-network
$75 in-network
$150 out-of-network
$50 in-network
$100 out-of-network
$30 in-network
$60 out-of-network
Hospital Inpatient/Outpatient Co-Pay $200 in-network
$400 out-of-network
$150 in-network
$300 out-of-network
$100 in-network
$200 out-of-network
$75 in-network
$150 out-of-network
Emergency Room
Claims incurred in the USA
$350 $350 $200 $100
Network Click here to search the PPO Doctor/Hospital Network
Coinsurance Inside the USA In Network:

80% of the next $100,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out Network: Usual, Reasonable, and Customary (URC)
In Network:

80% of the next $45,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out Network: Usual, Reasonable, and Customary (URC)
In Network:

80% of the next $25,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out Network: Usual, Reasonable, and Customary (URC)
In Network:

80% of the next $10,000 of eligible expenses after applicable co-pays, then 100% to the overall maximum.

Out Network: Usual, Reasonable, and Customary (URC)
Coinsurance Outside the USA 100% of Eligible Expenses, up to the Overall Maximum Limit, after applicable co-pays.

Key Medical Benefits

Smart Budget Select Elite
Hospital Room and Board Average Semi-Private Room Rate, including nursing services Average Semi-Private Room Rate, including nursing services Average Semi-Private Room Rate, including nursing services Average Semi-Private Room Rate, including nursing services
Outpatient Treatment Up to Overall Maximum Limit Up to Overall Maximum Limit Up to Overall Maximum Limit Up to Overall Maximum Limit
Prescription Medications 50% of actual charge 50% of actual charge 50% of actual charge 100% for generic
50% for brand
50% for oral contraceptives
Specialty Drugs: No Coverage
Mental Health Outpatient:

$500 maximum

Inpatient:

Up to $5,000

Outpatient:

Maximum of 30 visits

Inpatient:

Maximum of 30 days

Coverage includes drug and alcohol abuse.
Outpatient:

Maximum of 30 visits

Inpatient:

Maximum of 30 days

Coverage includes drug and alcohol abuse.
Outpatient:

Maximum of 40 visits

Inpatient:

Maximum of 40 days

Coverage includes drug and alcohol abuse.
Maternity No coverage Up to $5,000 Up to $10,000 Up to $15,000
Preventative Care No coverage No coverage No coverage $200 after a 6-month waiting period
Vaccinations No coverage No coverage No coverage $150 maximum
Pre-existing Conditions $25,000 for acute onset of a pre-existing condition only 12-month waiting period during which the plan includes $25,000 for acute onset of a pre-existing condition 6-month waiting period during which the plan includes $25,000 for acute onset of a pre-existing condition 6-month waiting period during which the plan includes $25,000 for acute onset of a pre-existing condition
Medical Evacuation $50,000 $250,000 $300,000 $300,000
Repatriation of Remains $25,000 $25,000 $50,000 $50,000
Sports Coverage

Leisure, recreational, entertainment and fitness sports included

School sports — No Coverage

Leisure, recreational, entertainment and fitness sports included

School sports — No Coverage

Leisure, recreational, entertainment and fitness sports included

School sports — $5,000 per illness/injury

Leisure, recreational, entertainment and fitness sports included

School sports — $5,000 per illness/injury

To view the full plan benefits and the complete table of benefits, please download a copy of the plan brochure:

Brochure Download

This is a summary of a selection of the key plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents. The Certificate of Insurance is the only source of the actual benefits provided.

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This plan is underwritten by Lloyd's.


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