Student Secure(F1 VISA Holders Plan)

Student Secure Smart

Online Buying
Brochure
Certificate Wording
Benefits Smart
Certificate Period Maximum $200,000
Maximum Benefit Per injury or illness $100,000
Deductible – PPO (per injury or illness) $50
Deductible – Non PPO (per injury or illness) $100
Coinsurance(U.S.) 80% expense after deductible
Coinsurance(Outside of U.S.) 100% of Eligible Expenses after the Deductible
Hospital Room & Board Average Semi-private room Rate, including nursing services
Local Ambulance(per injury or illness) Up to $300 if hospitalized as Inpatient
Intensive Care Unit Usual, Reasonable,Customary Charges
Hospital pre-certification penalty 50% of eligible medical expenses
Outpatient Treatment Usual, Reasonable,Customary Charges
Prescription Medication(outpatient) 50% of Actual charge
Mental Health Disorders Outpatient: $50/day, $500/lifetime
Inpatient: Usual, Reasonable, Customary charges to $5,000 lifetime
Dental treatment due to accident No Coverage
Dental treatment to alleviate pain No Coverage
Pre-existing Condition $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
Maternity care for a covered pregnancy No Coverage
Routine nursery care of newborn No Coverage
Therapeutic Termination of Pregnancy $500 Maximum per certificate period
Physical Therapy & Chiropractic Care Max $25 per day
Sports: intercollegiate, interscholarstic, intramural, or club sports No Coverage
Terrorism No Coverage
Emergency Medical Evacuation $50,000
Emergency Reunion $1,000 lifetime Max
Accidental Death & Dismemberment No Coverage
Repatriation of Remains $25,000
Personal Liability No coverage
Student Secure international student health insurance plan provides comprehensive medical coverage for full-time students or full-time scholars studying outside of their home country. This comprehensive student health insurance plan offers coverage on a monthly basis that will meet and exceed nearly all school and government requirements, and for those students on the J1 and F1 visa (even those on OPT) you are automatically eligible for coverage.

Highlights:

  • Four plan levels; Smart, Budget, Select and Elite – providing you with the plan choices you need from the basic level, right up to the most comprehensive Elite plan.
  • Coverage for Ambulance, mental health, maternity, newborn Care, pre-existing conditions – benefits required by most schools in most plan levels
  • Sports Coverage/Terrorism Coverage in most plan levels
  • Medical Evacuation from $ 50,000 to $500,000
  • Repatriation from $ 25,000 to $50,000
  • Directly billing with hospitals or clinics in PPO network
  • 24-hour global customer service and free Chinese translation;

Who the plan is designed for:

  • J-1 International visiting scholars
  • F-1 International student including OPT and high school student
  • Foreign undergraduate or graduate student studying in the US
  • US students studying abroad
Worldwide Including USA Worldwide Excluding USA
Age Monthly Daily Age Monthly Daily
Under 18 $39.00 $1.28 Under 18 $36.00 $1.18
18-24 $31.00 $1.02 18-24 $29.00 $0.95
25-30 $64.00 $2.10 25-30 $33.00 $1.08
31-40 $131.00 $4.31 31-40 $66.00 $2.17
41-50 $230.00 $7.56 41-50 $118.00 $3.88
51-64 $311.00 $10.22 51-64 $171.00 $5.62
You don’t need to provide a SSN number, but it requires your passport number.
Click here to enter StudentSecure enrollment page,fill the infomation of the insured referring to StudentSecure enrollment explanation(chinese),use the credit card to complete the payment, and then click “Download Fulfillment” link,you can download the electronic ID card and receipt of payment immediately. According to the Fulfillment Method you chosed. Insurance company will send all insurance materials to the email address which you provided or mail the physical materials to your mail address. Electronic files and physical files have the same effect. If you are not received via Email after the payment, please check your Spam box, some emails may be mistakenly treated as a Spam.
You can use a debit card or credit card which shows a logo such as Visa, MasterCard, American Express or Discover to pay your cost of insurance plan online.
You may set the Insurance effective date by yourself. Effective date and Expiration date are calculated according to EST(eastern standard time).
For first enrollment,you can purchase a maximum of 364 days at one time.
Yes. You can pay monthly, but it has an additional $5 when paying each month. We sugguest to choose full payment, it can save $60 fees.
Student Secure plan covers outpatient, hospital, surgery, laboratory test, prescription drugs and other medical expenses, please see the benefits table in detail.
Yes. In Eligible Expenses,Elite Plan covers 80% of outpaient actual charge,and Select,Budget,Smart Plan cover 50% of outpaient actual charge. Each prescription can be provided less than 60 days.
You can go to any pharmacy in U.S. But you can’t pay the fee directly with the pharmacy. When you need to buy prescripton drugs, you need to pay first yourself, and then apply to claims department for reimbursement.
Send the completed claim form, attached the purchased drug labels or equivalents information,and receipt/bill to the claims department to apply for reimbursement.
Elite, Select Plan start to cover pre-existing conditions after 6 consecutive months. Budget Plan start to cover pre-existing conditions after 12 consecutive months. Smart Plan covers $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only.
If conception occurs after the effective date,Elite, Select, Budget Plan can cover eligible expenses of prenatal examination, delivery, post natal examination and pregnancy complications in usual, reasonable, customary charges.
Elite, Select Plan cover 80% eligible Expenses up to the certificate Period Maximum within the PPO or 60% outside the PPO.
Budget Plan covers 80% Eligible Expenses in the PPO or 60% outside the PPO up to a certificate Period Maximum of $5,000.
Smart Plan has no coverage.
Elite, Select, Budget Plan cover dental treatment due to Accident:$250 Maximum per tooth,$500 Maximum per Certificate Period;dental treatment to alleviate pain:$100 Maximum per Certificate Period. Have no coverage in vision. Smart Plan has no coverage in dental and vision.
Pre-certification:When the insured need the medical services as below, he must get the permission from his insurance company, and then he can receive these services. This obligation of insured is called Pre-certification.
Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible.
The following expenses must always be Pre-certified:
-Inpatient care
-any Surgery or Surgical Procedure
-Maternity: during the first 90 days of Pregnancy or immediately upon any change in status during Pregnancy or upon admission to a Hospital for Delivery, you should pre-certify your insurance company.
-Newborn care
-Computerized Tomography,CAT Scan
-Magnetic Resonance Imaging,MRI
-Care in an Extended Care Facility
-Home Nursing Care
-Durable Medical Equipment
-Artificial Limbs
If the Member does not comply with the Pre-certification requirements, Eligible Medical Expenses will be reduced by 50%.