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Student Secure


Benefits

The Student Secure, International Student Health Insurance plan is available to international and study abroad students in four main 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 three plans. Please view the benefits below and contact us if you need further help with choosing the best plan option for you.

Benefits Smart Budget Select Elite
Cert. Period Max. $200k $250k $300k $500k
Max. Benefit
per injury/ illness
$100k $250k $300k $500k
Deductible
per injury/ illness
Inside PPO Network, Outside USA or at Student Health Center
$50 $45 $25 $25
Deductible
per injury/ illness
All other locations
$100 $90 $50 $50
ER Deductible

claims incurred in the USA
$350 $350 $100 $100
Provider Network First Health Provider Network
Co-Ins.
- Inside the USA * After the deductible
80% * 80% up to $25k, then 100% up to the Max.* 80% up to $5k, then 100% up to the Max.* 100% of Eligible Expenses within the PPO

Else, 80% up to $5k then 100% up to the Max.*

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 50% of Actual Charge 50% of Actual Charge 80% of Actual Charge
Mental Health
- Outpatient
Treatment must not be obtained at the Student Health Center
$50 per day
$500 max. per period
$50 per day
$500 max. per period
80% within the PPO, 60% out of network — Max. 30 days of coverage.
Mental Health
- Inpatient
Treatment must not be obtained at the Student Health Center
URC up to $5k max. per certificate period URC up to $10k max. per certificate period
80% within the PPO, 60% out of network — Max. 30 days of coverage.
Dental treatment due to accident N/A $250 per tooth
$500 Max.
$250 per tooth
$500 Max.
$250 per tooth
$500 Max.
Dental treatment to alleviate pain
Not subject to deductible or coinsurance)
N/A $100 Max. $100 Max. $100 Max.
Pre-existing Condition $25k max. (life) for eligible medical expenses for the acute onset of pre-existing condition only 12-mo. waiting period 6-mo. waiting period 6-mo. waiting period
Maternity
Maternity care for a covered pregnancy
N/A 80% up to $5,000 within the PPO; 60% up to $5,000 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
N/A $250 Max. $750 Max. $750 Max.
Therapeutic Termination of Pregnancy

$500 Max.

P.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
N/A $3,000 $5,000 $5,000
Terrorism N/A $50k Max. $50k Max. $50k Max.
Emerg. Med. Evac.
Not subject to deductible or coinsurance
$50k $250k $300k $500k
Emerg. Reun.
Not subject to deductible or coinsurance
$1,000 lifetime $1,000 lifetime $5,000 lifetime $5,000 lifetime
AD&D
Not subject to deductible or coinsurance
N/A N/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
$25k $25k $25k $50k
Personal Liability
Not subject to deductible or coinsurance
N/A N/A N/A $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, and the Smart level does not cover pre-existing conditions, except for charges resulting directly from an Acute Onset of a Pre-Existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.

Pre-existing Condition means any

(1) 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

(2) 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;

(3) 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 means 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, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

Medical & Repatriation Expenses

Subject to the limits set forth in the Schedule of Benefits and Limits, and subject to the conditions and restrictions contained in this provision, we will pay the following expenses incurred while this insurance is in effect.

Medical Expenses

We will pay

  1. 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.
  2. Surgery at an outpatient surgical facility, including services and supplies.
  3. 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.
  4. 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.
  5. Diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).
  6. Artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.
  7. Reconstructive surgery when the surgery is directly related to surgery which is covered hereunder.
  8. For radiation therapy or treatment and chemotherapy.
  9. 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.
  10. Oxygen and other gasses and their administration by or under the supervision of a physician.
  11. Anesthetics and their administration by a physician.
  12. 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.
  13. Care in a licensed extended care facility upon direct transfer from an acute care hospital.
  14. 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.
  15. Emergency local ambulance transport necessarily incurred in connection with injury or illness resulting in inpatient hospitalization.
  16. 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.
  17. 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.
  18. 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.
  19. Physical therapy if prescribed by a physician for treatment of a covered injury or illness.
  20. Routine and medically necessary care of newborns as provided in the Schedule of Benefits, provided that the delivery of the newborn is covered hereunder.
  21. 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.
  22. 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

  1. Anything mentioned in the General Exclusions.

Emergency Medical Evacuation

We will pay

  1. Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and
  2. 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

  1. The illness or injury giving rise to the expense are covered under this insurance; and
  2. Medically necessary treatment, services and supplies cannot be provided locally; and
  3. Transportation by any other method would result in the loss of your life or limb; and
  4. Recommended by the attending physician who certifies to the above; and
  5. Agreed upon by you or your relative; and
  6. 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

  1. Travel arrangements, excluding Emergency Local Ambulance, that are not approved in advance and coordinated by us; and
  2. 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:

  1. Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest your principal residence; and
  2. 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

  1. 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

  1. Travel arrangements that are not approved in advance and coordinated by us; and
  2. 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:

  1. 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
  2. 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

  1. Only following a covered Emergency Medical Evacuation, or
  2. 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

  1. Anything mentioned in the General Exclusions.

Accidental Death and Dismemberment (Select and Elite only)

We will pay:

  1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary.
  2. Loss of 2 or more Limbs or eyes – we will pay the amount indicated in the Schedule of Benefits to you.
  3. 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

  1. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and
  2. 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

  1. Accidents or loss caused by or contributed to by any of the following:
    1. Terrorism, war or act of war, whether declared or undeclared.
    2. Your participation in a riot, insurrection or violent disorder.
    3. Your service in the armed forces of any country.
    4. Suicide or attempted suicide or self-inflicted injury, while sane or insane.
    5. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician.
    6. Committing or attempting to commit a felony.
    7. Sickness, mental health disorder, or pregnancy.
    8. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly,
    9. Myocardial infarction or cerebrovascular accident (CVA / Stroke).
    10. Infection, except infection through a wound caused solely by an accident.
    11. 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.
    12. Medical or surgical treatment for any of the above.
    13. Any non-covered sports activities.
  2. 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

  1. Intercollegiate, Interscholastic, Intramural, or Club Sports (Budget, Select and Elite only)

    We will pay:

    1. 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.
  2. Leisure, Recreational, Entertainment, or Fitness Sports and Activities

    We will pay:

    1. 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:

  1. Accidental bodily injury, including death, illness and disease to a third person; and/or
  2. Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or
  3. 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

  1. Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a licensed physician;
  2. 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;
  3. 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;
  4. 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;
  5. Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting;
  6. Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers;
  7. Damages resulting from any fire, flood, wind, hail, waterleak, gas leak, explosion or other catastrophe;
  8. Fraudulent, dishonest or criminal acts of you or any person authorised by you;
  9. The consequences of any breach, violation or failure to perform any contractual undertakings or obligations, whether verbal or in writing;
  10. Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or regulatory bodies;
  11. Gambling, gaming, or betting of any kind;
  12. Animals or pets belonging to you, or in your care, custody or control;
  13. Anything mentioned in the General Exclusions.

Specific Conditions

  1. 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.
  2. No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior written consent.
  3. Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and immediately upon receipt.
  4. 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.
  5. 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.
  6. 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:

  1. 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

  1. The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; and
  2. You have no direct or indirect involvement in the Act of Terrorism; and
  3. 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
  4. 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

  1. 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:

  1. A $25 cancellation fee will apply for administrative costs incurred by us; and
  2. 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
  3. You cannot have filed any claims to be eligible for premium refund; and
  4. No refund of premium shall be granted after 60 days.

Eligibility

  1. 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; and
  2. You must be residing outside your home country for the purpose of pursuing international educational activities; and
  3. You must not have obtained residency status in your host country; and
  4. 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:

  1. The moment we receive application and correct premium if application and payment is made online or by fax; or
  2. 12:01am U.S .Eastern Time on the date we receive application and correct premium if application and payment is made by mail; or
  3. The moment you depart from your home country; or
  4. 12:01am U.S. Eastern Time on the date requested on the application.

Certificate Termination Date

Insurance hereunder terminates on the earlier of:

  1. 11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; or
  2. 11:59pm U.S. Eastern Time on the date requested on the application; or
  3. 12:01am U.S. Eastern Time on the date you no longer meet eligibility requirements; or
  4. 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.

For more information about the Student Secure International Student Health Insurance plan, or to apply over the phone:
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For more information about the Student Secure International Student Health Insurance plan, please see below:

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