StudentSecure® Policy Help

Eligibility Requirements
To be eligible for StudentSecure, Participants must meet one of the following requirements:
  1. Must be a full-time student at a college or university, excluding online colleges and universities; or must be within 31 days of being a full-time student at a college or university; or must be a student under age 19 enrolled in a secondary school; or must be a full-time scholar affiliated with an educational institution; or
  2. Must be an F-1 or J-1 visa holder, including students on OPT; or
  3. Must be a foreign government official holding an A-2 visa and coming to the U.S. to perform duties of an intrinsically governmental and non-commercial nature to study on a full-time basis at a military institution; or
  4. Must be residing outside home country for the purpose of pursuing international educational activities; or
  5. Must not have obtained residency status in the host country.
Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.
StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.
Eligibility Definitions
Foreign Governmental Official: An individual coming to the United States as a nonimmigrant who has been accredited by a foreign government as an official to function on behalf of that foreign government.
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 may not be limited to performing research in an area of specialty or teaching for a temporary period of time.
Home Country: 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.
Instant Online Fulfillment
Online fulfillment allows you to obtain your policy information electronically. Once your application and credit card have been approved, your policy information will be available for download as a PDF file. Additionally, a duplicate copy will be sent to the e-mail address you indicated on your application. Any time after approval, you will be able to retrieve your documents through our Student Zone. By selecting "Yes," you acknowledge that you have accepted instant online fulfillment for your insurance documents.
Card Security Code
The Card Security Code is an added security feature to help protect you against online fraud.
The card security code is the group of numbers immediately following your credit card number. These numbers are used by your credit card company to help prevent fraud. Because the card security code is not printed on your receipts, it helps ensure that someone is not using your credit card information fraudulently.
Visa, MasterCard, and Discover
For Visa, MasterCard and Discover there are 3 digits on the back of the card in the area shown by the graphic to the right.
American Express
For American Express there are 4 digits on the front of the card in the area shown by the graphic to the right.

Differences between StudentSecure Elite, StudentSecure Select, StudentSecure Budget and StudentSecure Smart:

  Elite Plan Select Plan Budget Plan Smart Plan
Primary Benefits
Certificate Period Maximum $500,000 $300,000 $250,000 $200,000
Maximum Benefit per Injury or Illness $500,000 $300,000 $250,000 $100,000
Deductible

Out of Network - $50 per injury or illness;

In Network - $25 per injury or illness if treatment is from student health center or received outside of U.S.;

Emergency Room - $100 per injury or illness.

Out of Network - $70 per injury or illness;

In Network - $30 per injury or illness if treatment is from student health center or received outside of U.S.;

Emergency Room - $200 per injury or illness.

Out of Network - $90 per injury or illness;

In Network - $45 per injury or illness if treatment is from student health center or received outside of U.S.;

Emergency Room - $350 per injury or illness.

Out of Network - $100 per injury or illness;

In Network - $50 per injury or illness if treatment is from student health center or received outside of U.S.;

Emergency Room - $350 per injury or illness.

Coinsurance -
Claims Incurred Inside the U.S.
Within the PPO network, underwriters will pay 100% of eligible expenses after the deductible to the certificate period maximum (80% of eligible expenses outside the PPO network). Underwriters will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the certificate period maximum. Underwriters will pay 80% of the next $25,000 of eligible expenses after the deductible, then 100% to the certificate period maximum. Underwriters will pay 80% of eligible expenses after the deductible to the certificate period maximum limit.
Coinsurance -
Claims Incurred Outside the U.S.
Underwriters will pay 100% of eligible expenses after the deductible up to the certificate period maximum.
Additional Benefits
Accidental Death and Dismemberment Not subject to deductible or coinsurance.
Principal Sum (lifetime maximum):
  • $25,000;

Death - Principal sum;

Loss of 2 limbs - Principal sum;

Loss of 1 limb - One half principal sum.

No coverage. No coverage.
Benefit Period for Coverage After Policy Termination Date Up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while the participant is outside his or her home country and while the certificate was in effect.
Dental Treatment Due to Accident $250 maximum per tooth;
$500 maximum per certificate period.
No coverage.
Dental Treatment to Alleviate Pain $100 maximum per certificate period (not subject to deductible or coinsurance). No coverage.
Emergency Medical Evacuation $500,000 lifetime
Not subject to deductible or coinsurance.
$300,000 lifetime
Not subject to deductible or coinsurance.
$250,000 lifetime
Not subject to deductible or coinsurance.
$50,000 lifetime
Not subject to deductible or coinsurance.
Emergency Reunion $5,000 lifetime maximum (Maximum 15 days. Not subject to deductible or coinsurance) $1,000 lifetime maximum (Maximum 15 days. Not subject to deductible or coinsurance) $1,000 lifetime maximum (Maximum 15 days. Not subject to deductible or coinsurance)
Hospital Room & Board Average semi-private room rate, including nursing services.
Intensive Care Unit Usual, reasonable, and customary charges.
Intercollegiate, Interscholastic, Intramural, or Club Sports $5,000 maximum per injury or illness. Medical expenses only. $3,000 maximum per injury or illness. Medical expenses only. No coverage.
Local Ambulance $750 per injury or illness when covered injury or illness results in inpatient hospitalization. $500 per injury or illness when covered injury or illness results in inpatient hospitalization. $300 per injury or illness when covered injury or illness results in inpatient hospitalization.
Maternity Care for Covered Pregnancy After deductible, eligible expenses will be paid at 80% up to the certificate period maximum within the PPO or 60% outside the PPO. After deductible, eligible expenses will be paid at 80% within the PPO or 60% outside the PPO up to the certificate period maximum. After deductible, eligible expenses will be paid at 80% within the PPO or 60% outside the PPO up to a certificate period maximum of $5,000. No coverage.
Mental Health Disorders
(treatment must not be obtained at a student health center)
Outpatient: After deductible, eligible expenses will be paid at 80% up to the certificate period maximum within the PPO or 60% outside the PPO for a maximum of 30 visits per certificate period;
Inpatient:After deductible, eligible expenses will be paid at 80% up to the certificate period maximum within the PPO or 60% outside the PPO for a maximum of 30 days per certificate period;
Drug or Alcohol Abuse: Included.
Outpatient: $50 maximum per day, $500 maximum per certificate period;
Inpatient: Usual, reasonable, and customary charges up to $10,000 maximum per certificate period;
Drug or Alcohol Abuse: Included.
Outpatient: $50 maximum per day, $500 maximum per certificate period;
Inpatient: Usual, reasonable, and customary charges up to $5,000 maximum per certificate period;
Drug or Alcohol Abuse: No coverage.
Outpatient Prescription Medication 80% of actual charges. 50% of actual charges.
Outpatient Treatment Usual, reasonable, and customary charges.
Physical Therapy & Chiropractic Care Maximum $75 per day. Maximum $50 per day. Must be ordered in advance by a physician and not obtained at a student health center. Maximum $25 per day. Must be ordered in advance by a physician and not obtained at a student health center.
Pre-existing Conditions Covered after 6-month waiting period, except as provided under the acute onset of pre-existing conditions benefit. Covered after 12-month waiting period, except as provided under the acute onset of pre-existing conditions benefit. No coverage except as provided under the acute onset of pre-existing conditions benefit.
Acute Onset of Pre-existing Condition $25,000 lifetime maximum for eligible medical expenses. Excludes chronic and congenital conditions.
Repatriation of Remains $50,000 maximum.
Not subject to deductible or coinsurance
$25,000 maximum.
Not subject to deductible or coinsurance
Routine Nursery Care of Newborn $750 maximum per certificate period. $250 maximum per certificate period. No coverage.
Terrorism $50,000 maximum lifetime. Eligible medical expenses only.
$500 maximum per certificate period
No coverage.
Therapeutic Termination of Pregnancy $500 maximum per certificate period.
Personal Liability $250,000 maximum lifetime. No coverage.
Date Coverage Should Begin and End
Coverage under StudentSecure® may begin on or after the date of departure from your home country and up to 31 days prior to the commencement of classes. Coverage is available only in whole-month increments when choosing to pay in monthly installments. For example, if your begin date is July 15, and you desire 4 months of coverage, then your end date should be November 14.  If you are choosing to pay for your entire coverage up-front, then you may choose the length of coverage you desire between one month and 364 days.
Is the Participant a U.S. Citizen or Resident?
Answer this question as it pertains to the student/scholar. You must answer "Yes" if the student/scholar is a U.S. citizen — regardless of country of residence — or principally resides in the United States.
Home Country
The Participant's home country is the country of principal residence. The principal residence is the location of the Participant's true, fixed, and permanent home. The Dependent's home country is the same as that of the Participant, regardless of the location of the Dependent's principal residence. 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.
Host Country
The country, other than the home country, where the Participant will engage in educational pursuits. For U.S. citizens and residents, the host country must be outside the U.S., including the U.S. Virgin Islands and Puerto Rico. U.S. citizens and residents residing within the continental U.S., Alaska, and Hawaii are eligible for coverage in Guam, American Samoa, and the Northern Mariana Islands.