If you’re planning to study abroad for a semester or an entire academic year (or you have a son or daughter who is!), you’ve no doubt got a lot to do to get ready.
Obviously you’re going to want to be sure you have adequate insurance coverage that will work for you should you need medical care while you’re there, and in many cases the health insurance coverage you have at home may not do much (if anything) for you abroad. Many institutions require students to maintain health coverage, and while many of them offer some kind of health plan, it is worth a few minutes to compare coverage and prices.
The StudentSecure plan from HCC Medical is designed to meet the need of international students and scholars and meets or exceeds U.S. government requirements for student visas. It is available to non-U.S. citizens studying in the United States as well as to students of any nationality studying outside of their home country (including American students studying abroad).
The coverage is solid and the rates are surprisingly affordable. Below you’ll see an outline of the coverage on this plan, and you can get an instant quote on StudentSecure here. As always, we invite you to contact us with questions or for more information.
|Schedule of Benefits and Limits|
|Benefit||Limit – Select Plan||Limit – Budget Plan||Limit – Smart Plan|
|Certificate Period Maximum||$300,000 (Participant)$ 50,000 (Spouse)$ 50,000 (Child)||$250,000 (Participant)$ 50,000 (Spouse)$ 50,000 (Child)||$200,000 (Participant)No dependent coverage|
|Maximum Benefit per Injury or Illness||$300,000 (Participant)$ 50,000 (Spouse)$ 50,000 (Child)||$250,000 (Participant)$ 50,000 (Spouse)$ 50,000 (Child)||$200,000 (Participant)|
|Deductible||$100 per Injury or IllnessReduced to $50 if treatment is from Student Health Center|
|CoinsuranceClaims Incurred Inside US||Underwriters will pay 80% of the next $5,000 of Eligible Expenses after Deductible, then 100% to Certificate Period Maximum.For charges incurred within the PPO or at a Student HealthCenter , coinsurance will be waived||Underwriters will pay 80% of the next $10,000 of Eligible Expenses after Deductible, then 100% to Certificate Period Maximum||Underwriters will pay 80% of the next $25,000 of Eligible Expenses after Deductible, then 100% to Certificate Period Maximum|
|CoinsuranceClaims Incurred Outside of US||Underwriters will pay 100% of Eligible Expenses after Deductible to Certificate Period Maximum||Underwriters will pay 80% of the next $10,000 of Eligible Expenses after Deductible, then 100% to Certificate Period Maximum||Underwriters will pay 80% of the next $25,000 of Eligible Expenses after Deductible, then 100% to Certificate Period Maximum|
|Hospital Room & Board||Average Semi-private room rate, including nursing services|
|Local Ambulance||Up to $350 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 LifetimeInpatient: Usual, Reasonable, and Customary charges to $10,000 Maximum LifetimeTreatment must not be obtained at a Student Health Center||Outpatient: $50 Maximum per day, $500 Maximum LifetimeInpatient: Usual, Reasonable, and Customary charges to $5,000 Maximum LifetimeTreatment must not be obtained at a Student HealthCenter|
|Dental Treatment due to Accident||$250 Maximum per tooth$500 Maximum per Certificate Period|
|Dental Treatment to alleviate pain||$100 Maximum per Certificate Period||No coverage|
|Maternity Care for a Covered Pregnancy||Usual, Reasonable, and Customary charges||No coverage|
|Routine Nursery Care of Newborn||$750 Maximum per Certificate Period||$250 Maximum per Certificate Period||No coverage|
|Therapeutic Termination of Pregnancy||$500 Maximum per Certificate Period|
|Physical Therapy & Chiropractic Care||Maximum $50 per visit per dayMust 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 / IllnessMedical Expenses only||No coverage|
|Terrorism||$50,000 Maximum Lifetime Limit, Medical Expenses Only||No coverage|
|Benefit Period for coverage after Policy Termination Date||60 days from date of Injury or Onset of Illness if Member is Hospitalized on the Termination Date|
|Emergency Medical Evacuation||$300,000 Lifetime (Participant)$ 50,000 Lifetime (Spouse)$ 50,000 Lifetime (Child)||$250,000 Lifetime (Participant)$ 50,000 Lifetime (Spouse)$ 50,000 Lifetime (Child)||$50,000 Lifetime (Participant)|
|Emergency Reunion||$2,500 Lifetime||$1,000 Lifetime||$10,000 Lifetime|
|Accidental Death & Dismemberment||Principal Sum – Lifetime Maximum$25,000 (Participant)$10,000 (Spouse)$ 5,000 (Child)||No coverage||No coverage|
|Repatriation of Remains||$25,000 Maximum||$15,000 Maximum||$10,000 Maximum|
Covered Medical Expenses
- Inpatient and Outpatient charges made by a Hospital.
- Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other Medical Specialist to whom the Physician has referred the case.
- 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.
- Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
- Charges for oxygen and other gases and anesthetics and their administration.
- 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.
- Charges made by a licensed Extended Care Facility upon direct transfer from an Acute Care Hospital.
- Emergency Local Ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization.