Student 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: