From Tokio Marine HCC

Available to full-time students residing outside of their home country who don't obtain residency status, this medical plan that provides coverage for any new illness & injury that might occur while studying outside of your home country.

**Note: 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.

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StudentSecure Benefit Description

To be eligible for StudentSecure, Participants must meet the following requirements:

  1. Must be a full-time student at a college or university, excluding online colleges and universities, or 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, or
  6. Participants visiting the U.S. must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested.

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 not be limited to performing research in an area of specialty or teaching for a temporary period of time.
  • Home Country: The 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.

Dependents must meet the following requirements:

  1. Be the Participant's legally married spouse, or be the Participant's unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance; and
  2. Accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and
  3. Be temporarily located outside the Participant's Home Country (The Dependent's Home Country is the same as that of the Participant, regardless of Principal Residence.); and
  4. Have not obtained residency status in the Host Country.

Covered Medical Expenses

  1. Inpatient and Outpatient charges made by a Hospital.
  2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other Medical Specialist to whom the Physician has referred the case.
  3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or Medical Specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
  4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
  5. Charges for oxygen and other gases and anesthetics and their administration.
  6. Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
  7. Charges made by a licensed Extended Care Facility upon direct transfer from an Acute Care Hospital.
  8. Emergency Local Ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization.

Pre-Existing Conditions

After 6 months of continuous coverage, StudentSecure Elite and StudentSecure Select will provide benefits for preexisting conditions (12 months for StudentSecure Budget). A pre-existing condition is generally defi ned as any injury or illness which, within the 12 months prior to the effective date of coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a physician was consulted. Please refer to the certificate of insurance for the complete definition.

Acute Onset of a Pre-existing Condition

Individuals who purchase StudentSecure Smart are entitled to a $25,000 lifetime maximum for the acute onset of a preexistingcondition. The acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition 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 must occur after the eff ective date of the policy. 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. All other expenses related to pre-existing conditions are not covered with StudentSecure Smart.

Emergency Medical Evacuation

Would you know what to do if you found yourself in a lifethreatening situation far from home? HCCMIS is experienced in arranging emergency medical evacuations. StudentSecure will cover the necessary expenses to transport you to the nearest medical facility qualified to treat your lifethreatening condition. We also understand the importance of family support in these difficult situations. StudentSecure will also cover the transportation, lodging, and meal costs for a relative to join you after an emergency medical evacuation up to the lifetime limit.

Repatriation of Remains

The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, StudentSecure will arrange for and cover the costs associated with the repatriation of your remains.

Organized Sports Activities

Medical expenses for injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure plan up to a maximum of $5,000 per Injury or Illness on StudentSecure Elite and Select and up to $3,000 per injury or illness on StudentSecure Budget. StudentSecure Smart does not provide coverage for organized sports activities.

Mental Health Disorders

StudentSecure Elite, Select and Budget provide benefits for mental health disorders including the treatment of substance abuse. Drug and alcohol abuse are covered under the mental health disorders benefit. Treatment for mental health disorders is covered only if not obtained from a student health center.

Emergency Dental

The following emergency dental expenses are covered: emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident which is covered under this insurance subject to a maximum of $250 per tooth and $500 certificate period maximum; and emergency dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per certificate period. Emergency Dental benefits are available on the Elite, Select and Budget plans only.

Extending or Renewing Coverage

You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. After four years of continuous coverage or any break in coverage, a new plan must be purchased. A new application is required and you must re-satisfy your deductible, coinsurance, pre-existing condition provisions, and all other benefit limits. Extensions and renewals must be made online with payment by credit card.

Incidental Home Country Coverage

StudentSecure will provide you 15 days of incidental coverage for trips to your home country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.

*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise aff ect the terms and conditions of any insurance policy issued by HCCMIS or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.

A subsidiary of Tokio Marine HCC, HCC Lloyd’s Syndicate 4141 is managed by HCC Underwriting Agency Ltd which is authorized by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Registered in England and Wales No. 04632146. Registered office: 1 Aldgate, London EC3N 1RE, United Kingdom.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs. is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.

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