Student Secure Plan

HCC Travel InsuranceStudent Secure Overview

This plan provides health insurance to international students, Exchange Participants, and Visiting Scholars outside of their home country – either in the USA or anywhere in the world. This comprehensive student health insurance plan provides coverage on a monthly basis that will meet school and government requirements, including those students on the J1 and F1 visa (even those on OPT). International students you are automatically eligible for coverage.

The Full-time Student/ Scholar status requirement is waived for Participant within the USA holding a valid F-1 visa (including those students on OPT) and J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other visa categories.

 Student Secure Insurance – Your Options

The Student Secure comes in three plan levels;

Smart | Budget | Select | Elite

Each plan type offers increasing levels of coverage and benefits. The plans also include coverage for mental health, maternity, pre-existing conditions – benefits required by most schools.

Compare: Student Secure Insurance Plans

Summary Elite Select Budget Smart
Maximum medical benefit $500,000 $300,000 $250,000 $200,000
Coinsurance Following the deductible, 100% coverage within the PPO network and outside the U.S.; 80% coverage outside the PPO network. Following the deductible, 80% coverage up to $5,000, then 100% coverage to the maximum medical benefit. Following the deductible, 80% coverage up to $25,000, then 100% coverage to the maximum medical benefit. Following the deductible, 80% coverage to the maximum medical benefit.
Meets student visa requirements for J-1 visa Yes Yes Yes Yes
Savings for paying full premium in advance Yes Yes Yes Yes
Pre-existing condition coverage Yes, after 6 months Yes, after 6 months Yes, after 12 months Only for the acute onset of a pre-existing condition
College sports covered Yes, $5,000 per injury Yes, $5,000 per injury Yes, $3,000 per injury No coverage
Maternity and newborn care covered Yes (80% inside PPO, 60% outside PPO) Yes (80% inside PPO, 60% outside PPO) Yes (80% inside PPO, 60% outside PPO up to $5,000 maximum) No
Emergency medical evacuation coverage Yes Yes Yes Yes

For additional information, see: