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StudentSecure ^SMMedical Insurance

StudentSecure ^SM Medical Insurance is a plan designed to meet the needs of international students and scholars. Two levels of coverage Select and Budget options, ensure that you can find the ideal plan. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Acts of Terrorism. Pre existing conditions are covered after 12 months.

Policy Maximum	StudentSecure ^SM International Student Insurance provides Policy Maximums of $300,000 under the select plan and $ 250,000 under the budget plan
Deductible	$100 per Injury or Illness (reduced to $50 if you visit the Student Health Center .
Co-insurance	Outside the U.S. and Canada: After the Deductible, StudentSecure^SM Medical Insurance will pay 100% of Eligible Expenses to Certificate Period Maximum. The Budget plan will pay 80% of the next $10,000 of Eligible Expenses after Deductible, then 100% to Certificate Period Maximum. In USA : StudentSecure^SM Medical Insurance will pay 80% of the next $5,000 (10,000 for the Budget Plan) of Eligible Expenses after Deductible, then 100% to Certificate Period Maximum.
Coverage Options	One can select either the budget or select plan .
Plan Life	StudentSecure ^SM Medical Insurance may be extended after the initial purchase up to a maximum of 12 months at a time from the initial effective date. The plan can be renewed up to a maximum of 4 years without a break in coverage.
Underwriter	StudentSecure ^SM Foreign Student Insurance is underwritten by Lloyd's of London, member of Lloyd's Group of companies.
Claims Administrator	StudentSecure ^SM Foreign Student Insurance is administered by MultiNational Underwriters, Inc.

Eligibility:

To be eligible for StudentSecure ^SM , Participants must meet the following requirements:
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 must be a full time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
Must be residing outside Home Country for the purpose of pursuing international educational activities.
Must not have obtained residency status in the Host Country.

Participants visiting the US must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For US citizens and residents, the Host Country must be outside the US , including US territories.

Coverage becomes effective on the latest of:

The moment we receive the application and correct premium (if application and payment is made online or by fax );or
12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail);or
12:01am US Eastern Time on the date you meet eligibility requirements.

Coverage terminates on the earliest of:

11:59pm US Eastern Time on the last day of the period for which you have paid premium; or
11:59pm US Eastern Time on the last date requested on your application; or
12:01am US Eastern Time on the date you no longer meet eligibility requirements; or
The moment of return to your Home Country (except as allowed by the provisions of this coverage).

Plan Benefits:

StudentSecure ^SM International Student Insurance offers a broad range of benefits including:

Hospital Room & Board
Local Ambulance
Intensive Care Unit
Hospital Pre-Notification Penalty
Outpatient Treatment & Outpatient Prescription Drugs
Mental Health Disorders
Dental Treatment due to Accident
Dental Treatment to alleviate pain
Maternity Care for a Covered Pregnancy
Routine Nursery Care of Newborn
Therapeutic Termination of Pregnancy
Physical Therapy & Chiropractic Care
Intercollegiate, interscholastic, intramural, or club sports
Terrorism
Benefit Period for coverage after Policy Termination Date
Emergency Medical Evacuation
Emergency Reunion
Accidental Death & Dismemberment

Remarks:

PPO Network: For charges incurred within the PPO or at a Student Health Center , coinsurance will be waived in the Select plan.

Renewal: Coverage can be renewed up to a maximum of 4 years as long as you meet eligibility requirements. Provided there is no break in coverage, you will not be required to satisfy the deductible and coinsurance.

Cancellation:To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions: