StudentSecure Budget student medical Insurance | cheap Student Secure Budget health Insurance for international students

StudentSecure Budget International student health insurance

StudentSecure Budget covers for $250k per injury or illness with a deductible of $45 within PPO or student health center, otherwise $90 per injury or illness. This plan meets J-1 visa requirements, covers pre-existing condition coverage after policy is in effect for 12 months and some intercollegiate, interscholastic, intramural, or club sports coverage.

StudentSecure insurance is designed for international students seeking:

Coverage that meets or exceeds most government and visa requirements including J-1 visa requirements.
Coverage that meets the requirements of many programs and schools at a budget-friendly rate.
Important medical benefits, including some Outpatient Prescription Drug coverage and some Mental Health coverage.

StudentSecure Budget Insurance Reviews

Insurance provider
WorldTrips

StudentSecure rating
AM Best Rating: "A-" (Excellent) and AA- by Standard & poor's

Deductible options
$45 per injury or illness within the PPO network, outside the U.S. or student health center; otherwise $90 per injury or illness

Policy maximum

Certificate period maximum: $600k
Maximum benefit per injury or illness: $300k

StudentSecure Budget Underwriter
Lloyd's

Plan life
30 days to 364 days.

Coinsurance of Student Secure Select

In Network

80%

The plan pays 80% of eligible expenses up to $25K, then 100% up to the Maximum Limit.

Out of Network - Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount

100%

StudentSecure Budget Insurance - Key Highlights

This is an international student health plan which is suited for international students studying abroad outside their home country.
This plan comes in four levels of coverage Elite, Select, Budget or Smart to suit the needs and budget of the student.
The Budget plan provides a policy maximum of $250k and Certificate period maximum of $500k.
There will be a deductible of $45 per injury or sickness within the PPO, outside the US or at a student health center. Otherwise $90 deductible per injury or sickness is applicable.
Plan provides $350 for treatment in an emergency room for claims within the US only.
Co-insurance with this plan for the claims incurred within the US: Within the PPO, 80% of eligible expenses is covered up to the next $25k after deductible and then 100% of the expense is covered up to the overall maximum limit of the plan. For claims outside the PPO, usual, reasonable and customary charges are covered and the insured is responsible for any charges exceeding the payable amount.
Co-insurance for claims incurred outside the US : After the deductible, 100% of the eligible expenses are covered up to the Certificate period maximum.
Mental health disorders(Treatment not received at student health center) is covered as : Outpatient- maximum 30 visits, Inpatient - maximum 30 days.
Acute onset of pre-existing condition is covered for $25k lifetime maximum for eligible expenses.
Pre -existing condition is covered after a 12 month waiting period.
Maternity care for covered pregnancy is covered for up to $5k.
Intensive Care Unit charges are covered up to the overall maximum limit.
Outpatient prescription drugs are covered for 50% of actual charges (Not subjected to deductible or co-insurance).
Dental treatment due to accident is covered as $250 maximum per tooth, $500 maximum per Certificate period (Not subjected to co-insurance).
Sports activities, leisure, recreational,entertainment or fitness is covered upto overall maximum limit.
Optional Intercollegiate, interscholastic, intramural or club sports rider is covered up to $3k maximum per injury or illness, medical expenses only.
Emergency Medical Evacuation is covered for up to $250k lifetime maximum (Not subject to deductible or co-insurance).
Repatriation of remains is covered for up to $25k lifetime maximum (Not subject to deductible, co-insurance or overall maximum limit).

StudentSecure Budget plan related links

StudentSecure Brochure Links
View StudentSecure insurance brochures in different languages:

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Reviews
Benefits
Pros in the coverage
StudentSecure Select student Insurance by WorldTrips covers eligible medical expenses for COVID-19.

Full time students and research scholars registered for universities outside their home country can buy this insurance.

This plan can be renewed online up to 4 years.

Full refund if the policy is cancelled before the policy start date. If the policy is after the policy start date after deducting the cancellation charges refund of premium for unused months will be paid.

It as a monthly payment option.

Good PPO network.

Pre-existing medical conditions are covered after a waiting period of 180 days.

Coinsurance inside the US - Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum.

Coinsurance outside the US - After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum

The policy pays for maternity care, routine care for a newborn baby and therapeutic termination of pregnancy.

This policy covers for AD&D, evacuation, repatriation, emergency reunion, terrorism, intercollegiate or club sports.

It also covers for mental health disorders, dental cover, physical therapy & chiropractic care.
Cons in the coverage
After 60 days of risk start date, there is no refund for cancellation of the policy.

The policy holder has to wait for 6 months for the pre-existing diseases to be covered.

No coverage for the dependents.

Failure to get precertification of claims will result in reduction of 50% of eligible medical expenses.
ID card
Detailed description
Comprehensive plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

WorldTrips StudentSecure Budget Plan Summary

What is the eligibility to buy StudentSecure Budget Insurance

Individuals up to the age of 65 years.
Individuals 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 F-1 visa including those students on OPT or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
Must be residing outside his or her Home Country for the purpose of pursuing international educational activities
Must not have obtained residency status in the Host Country.
Participants in the U.S. must hold a valid education related Visa. A copy of the I-20 or DS2019 may be requested.

StudentSecure Budget insurance Coinsurance

Inside the United States
- In ppo network: Plan pays 80% of the next $25k of eligible expenses after the deductible, then 100% to the overall maximum limit.
- Out of ppo network: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
Outside the United States
- After the deductible, plan pays 100% of eligible expenses to the certificate period maximum.

What are the US state and country restrictions to buy Student Secure Budget Insurance plan?

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.

Plan benefits of StudentSecure Budget insurance

In-Patient Medical Benefits

Intensive care unit	Up to the overall maximum limit.
Hospital indemnity	$100 per day of inpatient hospitalization (not subject to deductible or coinsurance).
Hospital room and board	Average semi-private room rate, including nursing services.

Maternity Care

Maternity Care for a Covered Pregnancy	Up to $10k(not subject to coinsurance)
Nursery Care of Newborn	Up to $750(not subject to coinsurance)
Therapeutic Termination of Pregnancy	Up to $500(not subject to coinsurance)

Emergency Services

Emergency local ambulance	Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.
Emergency room	Claims incurred in the U.S. - Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury) Claims incurred outside the U.S. - No co-payment.

Dental

Emergency dental treatment(acute onset of pain up to 72 hours)	Up to $300 (not subject to deductible or coinsurance).

Evacuation

Emergency medical evacuation	Up to $300k lifetime maximum
Emergency reunion	Up to $5k, subject to a maximum of 15 days
Repatriation of remains	Up to $50k lifetime maximum
Mental health disorders (Treatment must not be provided at a student health center)	Outpatient: Maximum of 30 visits. Inpatient: Maximum of 30 days

Pre-exisiting conditions

Acute onset of pre-existing condition *	$25k lifetime maximum for eligible expenses
Pre-existing condition	6 months waiting period

Life

Accidental death & dismemberment	Lifetime Maximum - $25k Death - $25k Loss of 2 Limbs - $25k Loss of 1 Limb - $12,500

Other Benefits

Terrorism	Up to $50k lifetime maximum for eligible medical expenses only.
Sports & activities - leisure, recreational,entertainment, or fitness	Up to the overall maximum limit

StudentSecure insurance

General definition of pre-existing condition:

"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).

Acute onset of pre-existing condition:

Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.

The Acute Onset of Pre-existing Condition benefit will only apply if all of the following conditions are met:

The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;
Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence;
You must be under eighty (80) years of age;
You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;
You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;
You must be traveling outside your home country

StudentSecure Budget insurance - Common Questions

Why do i need international student health insurance?

There are several reasons to consider an international student insurance plan like StudentSecure for your overseas studies:

To Meet Visa Requirements:
Most countries require international students to possess a valid student visa. Some visas require proof of insurance that meets specific requirements. StudentSecure meets the insurance requirements of most visas, including the J-1 visa.
As a StudentSecure policyholder, you will have access to a visa letter you can use as proof of coverage. You can download your visa letter through the Member Portal, where you can conveniently manage your policy online.

To Meet Your Study Abroad Program or School Requirements:
Your program or university may require you to have valid student health insurance that meets requirements. Many programs and schools provide their own insurance plans, but oftentimes allow students to purchase alternate coverage that meets requirements.
Upon purchase of a StudentSecure policy, we will help you provide proof of coverage that meets requirements to your program or school. Simply submit a request for a waiver form and/or visa letter to sales@worldtrips.com. We will send completed copies of the form(s) to you and your school.

To Cover Unexpected Medical Expenses:
Your regular health insurance may not provide adequate coverage while you are outside of your home country. International student health insurance like StudentSecure can provide travel assistance and help mitigate unexpected medical costs.

Is it possible to renew Student Secure Budget Insurance?

Yes, International students can renew StudentSecure Budget Insurance online up to 12 months.

Does StudentSecure Budget offer coverage for Maternity and new born care coverage?

StudentSecure Budget insurance offers Maternity care for covered pregnancy up to $10k.It also offers Nursery care of new born up to $250.

Does StudentSecure Budget insurance offer coverage for Team sports.?

Student Secure Budget insurance offers up to $3k maximum for medical expenses for treatment of injuries while taking part in Intercollegiate, interscholastic, intramural, or club sports.

Will I lose StudentSecure Budget coverage when I graduate or if I leave school?

Yes, StudentSecure Insurance is available for full time students and will end its coverage once you graduate. You can buy the Atlas travel insurance plan for more coverage.

How does StudentSecure Budget insurance offer coverage for medical expenses?

StudentSecure Budget insurance offers comprehensive coverage for international students. After the deductible amount. If the student seeks treatment with the provider network namely “First Health care network or United health care”. When studying outside the United States, you need to visit Equian International Provider Network to find healthcare provider or doctor nearest you outside the US. In the US, after the deductible amount, StudentSecure Select insurance pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum limit while seeking treatment in a provider network.

Outside the provider network, it is Usual, reasonable, and customary charges and the student may be responsible for any charges exceeding the payable amount. StudentSecure Budget Insurance offers 100% of eligible expenses to the certificate period maximum after the deductible for claims outside the US. For detailed working example of how it works, you can review StudentSecure Select insurance working example.

StudentSecure Insurance Exclusions

Certain types of medical expenses are excluded from coverage under StudentSecure international student insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.

Pre-existing conditions are excluded during the first six (6) months of coverage under StudentSecure Elite and Select and are excluded during the first twelve (12) months of coverage under StudentSecure Budget. Pre-existing conditions are excluded throughout coverage under StudentSecure Smart, except charges resulting directly from an Acute Onset of Pre-existing Condition, an Emergency Medical Evacuation, or Repatriation of Remains.
- Note: A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Immunizations and routine medical examinations, except under StudentSecure Elite as provided for under the Vaccination benefit
Routine prenatal care, pregnancy, childbirth, and postnatal care, unless directly related to a covered pregnancy
Medical expenses for injury or illness resulting from participation in specifically excluded extreme sports(see Description of Coverage for full list of excluded sports).

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