Insurance Tips

Students who are traveling abroad for the purpose of pursuing their higher education have to realize the importance of taking international student medical insurance. Medical expenses are really costly abroad and as such it is required that we make sure that we are covered with International Student Health Insurance before traveling abroad.

StudentSecure SM Medical Insurance is an international student health insurance plan, which is offered by HCC Medical Insurance Services. This plan offers several features and is also available in two levels- Select and Budget. Coverage for factors like Emergency Medical Evacuation, Acts of Terrorism, Medical Expenses and pre-existing conditions( covered after 12 months) , are included under these plans.

StudentSecure SM Medical Insurance provides coverage up to $300,000 under the select plan and $250,000 under the budget plan. This plan benefits include- Hospital Room & Board Local Ambulance Intensive Care Unit, Hospital Pre-Notification Penalty, Outpatient Treatment & Outpatient Prescription Drugs, Mental Health Disorders (one of the requirements for insurance for international students), Dental Treatment due to Accident, Dental Treatment to alleviate pain, Maternity Care for a Covered Pregnancy and Routine Nursery Care of Newborn.

Apart from the usual factors, International Student Insurance plans also provide coverage for the factors of Intercollegiate, interscholastic, intramural, or club sports, Terrorism, Benefit Period for coverage after Policy Termination Date, Therapeutic Termination of Pregnancy, Physical Therapy & Chiropractic Care, Emergency Medical Evacuation, Emergency Reunion and Accidental Death & Dismemberment.

Only full time students who are residing in a foreign country, holding a valid student visa (F-1) are eligible to take up these plans. It is important) that at no time these students apply or obtain a residency status in the foreign country they are pursuing their studies in.

We can extend the plan up to a year from the initial date of payment and afterward if we want, we can renew it to a time period of four years. Renewal of the plan is possible only if we continue to meet all the plan pre-requisites and is possible for maximum four years, after which we need to opt for a new plan.

There are many ways by which we can access this plan. We can either mail the application or fax it to the company. We can also e-mail the application along with the details of the payment method. Then the insurance documents can either be mailed to us by post or sent to our e-mail, depending on our preference.

Thus, these are some of the features and facilities provided by the StudentSecure SM Medical Insurance.