Student Secure - Budget Including USA

Plan Detail

Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's



Benefit Limit
Certificate period maximum $250,000
Maximum benefit per injury or illness $250,000
Deductible $90 per injury or illness - reduced to $45 if treatment is from student health center
Coinsurance - claims incurred inside U.S.
Underwriters will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to certificate period maximum
Coinsurance - claims incurred outside of U.S.
100% to certificate period maximum
Hospital room & board Average semi-private room rate, including nursing services
Local ambulance Up to $500 per injury / illness if hospitalized as inpatient
Intensive care unit Usual, reasonable, and customary charges
Hospital pre-certification penalty 50% of eligible medical expenses
Outpatient treatment Usual, reasonable, and customary charges
Outpatient prescription drugs 50% of actual charge
Mental health disorders Outpatient: $50 maximum per day, $500 maximum lifetime
Inpatient: Usual, reasonable, and customary charges to $10,000 maximum lifetime (Includes drug and alcohol abuse)
Treatment must not be obtained at a student health center.

StudentSecure provides benefits for mental health disorders including for the treatment of substance abuse. Outpatient treatment is covered to a maximum of $50 per day, with a $500 lifetime maximum. Usual, reasonable, and customary expenses are covered for Inpatient treatment to a $10,000 lifetime maximum. Drug and alcohol abuse are covered by the Select and Budget plans only. Treatment for mental health disorders is covered only if not obtained from a student health center.
Dental treatment due to accident $250 maximum per tooth $500 maximum per certificate period

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.
Dental treatment to alleviate pain $100 maximum per certificate period

Emergency dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per certificate period.
Maternity care for a covered pregnancy Usual, reasonable, and customary charges

When conception occurs after the effective date of coverage, StudentSecure provides maternity benefits, including but not limited to pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine nursery care of newborns is also covered, subject to the maximum shown in the schedule of benefits and limits.
Routine nursery care of newborn
$250 maximum per certificate period
Therapeutic termination of pregnancy $500 maximum per certificate period
Physical therapy & chiropractic care Maximum $50 per visit per day - must be ordered in advance by a physician and not obtained at a student health center
Intercollegiate, interscholastic, intramural, or club sports $5,000 maximum per injury / illness Medical expenses only
Terrorism $50,000 maximum lifetime limit

In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, StudentSecure offers coverage for medical expenses resulting from these acts.
Emergency medical evacuation Not subject to deductible or coinsurance.
$250,000 lifetime

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 life-threatening 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.
Emergency reunion $1,000 lifetime maximum
Accidental death & dismemberment No Coverage
Repatriation of remains
$25,000 maximum (not subject to deductible or coinsurance)

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.
Pre-existing Conditions After 364 days of continuous coverage, StudentSecure will provide benefits for pre-existing conditions. A pre-existing condition is generally defined as any injury or illness which, within the 364 days 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.
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. Covered organized sports are: basketball, baseball, cross country, dance team, football, golf, kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and wrestling.
Home Country Coverage 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.
Benefit Period Medical Coverage While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, Underwriters will pay eligible medical expenses, as defined herein, for up to 60 days beginning on the first day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certificate was in effect. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

*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 affect 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.