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International Student Health Insurance | FAQ's
Benefits • Exclusions • FAQ's • Premiums • Apply Online
- Who underwrites the Student Secure plan?
- Can I extend or renew my insurance plan?
- Can I cancel my Student Secure plan?
- When can my plan begin?
- Will I get my documents immediately?
- What are the difference between the smart, select and budget plans?
- What is a Beneficiary?
- Where will this plan cover me?
- Will I get home country coverage?
- Will this plan work for me while on OPT/CPT?
- Does this plan cover maternity?
- Does this plan have dental or vision?
- What providers can I go to?
- What does Usual Reasonable and Customary (URC) mean?
Who underwrites the Student Secure plan?
Lloyd's, the largest and oldest insurance market in the world, is the insurer of Student Secure. Rated A (Excellent) by AM Best Company and 'A' (Strong) by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd's is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd's provides accident and health insurance to millions of individuals in almost every country of the world.
Can I extend or renew my insurance plan?
After your initial purchase, you may extend your coverage up to a maximum of 12 months from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. You may renew your coverage for up to 4 years as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a 12-month Certificate Period. Deductible and Coinsurance must be re-satisfied as of each renewal date. After 4 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. For additional information on extending or renewing your plan, please visit the Student Zone.
Can I cancel my Student Secure plan?
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:
- A $25 cancellation fee will apply.
- Only the unused portion of the plan cost will be refunded.
- Only members who have no claims are eligible for premium refund.
- After 60 days, no refunds are granted.
- If you have only purchased 1 months coverage and cancel within that month, no refund will be due.
When can my plan begin?
You can apply for coverage to start under the Student Secure plan from today's date and any date in the future that you select on the application form. Please note that you still need to make sure you are eligible for the Student Secure and meet the criteria status of a full time student:
"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 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 F1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas."
For more information about the plan eligibility please see the benefits page
Will I get my documents immediately?
Yes, when you apply online through our website and make sure the "online fulfillment" option is selected when you apply, we will send all your documents to you immediately once you have applied for coverage and completed the process. You will then need to simply download these documents and print them off and show them as proof of coverage. Once you have applied online, within a few hours your account will be available online through the "Student Zone" so you can login and access all your documents again anytime you want
What is the difference between the smart, select and budget plans?
The Student Secure plan comes in three plan options; the Smart, Budget and Select. The Smart plan is the base plan and offers lower coverage benefits compared to the Budget and Select plan, and thus the premium for the Smart plan is lower. It is ideal for students who do not have strict school requirements they need to meet and do not mind having a lower coverage plan to obtain a lower premium. The Budget and Select offer higher coverage benefits and will typically meet most school requirements:
| Smart Plan | Budget Plan | Select Plan | |
| Policy Maximum | $200,000 | $250,000 | $300,000 |
| Coinsurance - Outside the USA - In Network in the USA - At Student Health Center |
80% Coverage up to $25,000 100% after up to Policy Maximum |
80% Coverage up to $10,000 100% after up to Policy Maximum |
100% Coverage |
| Coinsurance - Out of Network in the USA |
80% Coverage up to $25,000 100% after up to Policy Maximum |
80% Coverage up to $10,000 100% after up to Policy Maximum |
80% Coverage up to $5,000 100% after up to Policy Maximum |
| Emergency Evacuation | $50,000 | $250,000 |
$300,000 |
| Repatriation | $10,000 | $15,000 | $25,000 |
| Accidental Death & Dismemberment | No Coverage | No Coverage | Principal Sum $25,000 |
You can see a full side-by-side comparison of all plans on the benefits page.
What is a Beneficiary?
The Student Secure Select plan includes benefits that provide payments in the event you should pass away while covered under the plan. The beneficiary is the person who you designate to receive these funds should this happen. Typically you would name your mother, father, brother, sister or husband or wife as a beneficiary - however you can put any name you wish to be your beneficiary, including your estate.
Where will this plan cover me?
The Student Secure plan will cover you as an international or study abroad student anywhere in the world, as long as you are outside of your home country and otherwise eligible then the plan will cover you around the world.
Will I get home country coverage?
The Student Secure provides you with coverage for up to 15 days for medical expenses ONLY should you return back to your home country for an incidental visit. To receive the benefit, once you have arrived home, you must return abroad within 15 days - either to the host country or another country en route to your host country. Please also note that the return to your home country cannot be taken for the purpose of receiving medical treatment for an injury or illness that began when you were abroad.
Will this plan work for me while on OPT/CPT?
Yes, students on OPT or CPT are eligible for the Student Secure, even while on post-completion OPT, as long as you maintain valid F1 status.
Does this plan cover maternity?
The Student Secure Budget and Select do provide for usual, reasonable and customary charges for any pregnancy where inception occurs after the plan effective date. Benefits include, but are 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 on the full table of benefits. The Student Secure Smart plan does not provide Maternity coverage.
Does this plan have dental or vision?
Accidental dental is covered if you suffer an accident to your teeth and need to have dental surgery with coverage of $250 per tooth and a maximum of $500. Regular dental check-ups or visits are not covered - however if you do have unexpected dental pain the plan will pay $100 towards expenses for treatment for this pain if you are on the Select or Budget plan. If you require a more comprehensive dental insurance plan, please see our dental plans.
What providers can I go to?
You are free to visit any provider you would like when seeking treatment under the Student Secure plan, however you are encouraged to visit:
- Student Health Center - most schools offer a student health center which should be your first option in seeking treatment
- CMN Provider Network - the CMN Network will accept the Student Secure Insurance plan
When visiting the Student Health Center and CMN Provider Network your insurance payments will be less, as per the full table of benefits - so where possible please visit these providers.
What does Usual Reasonable and Customary (URC) mean?
Usual Reasonable and Customary is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area. So if a particular procedure typically costs $5,000 in the New York City area, and most providers customarily charge about $5,000 for that procedure, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment amount to "Usual Reasonable and Customary" - in this example, $5,000.
Learn more about the Student Secure - Student Health Insurance plan:
The Student Secure Plan - International Student Health Insurance
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