StudentSecure Budget

Tokio Marine HCC

StudentSecure Budget is an outstanding policy that safeguards students (under the age of 65) while studying abroad. Budget handles 80% of all eligible expenses up to a $500,000 Overall Maximum.

This international protection safeguards you from inpatient and outpatient medical charges experienced while away from home. Routine services like a doctor’s appointment are only $35, while an emergency room visit is a minimal $200. Budget coverage also handles a few of the big costs that you may not be prepared to cover. For example, your policy will include an Emergency Medical Evacuation benefit of $250,000 and a Terrorism benefit up to $50,000. StudentSecure Budget provides reasonably priced protection while you pursue international education.

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General

Coinsurance
After deductible, pays 80% up to $25,000 then 100% to maximum limit
Brochure
StudentSecure 2020
Medical Benefits

Hospital Room and Board
Average semi-private room rate, including nursing services
Surgical Treatment
Usual, reasonable, and customary charges
Intensive Care
Usual, reasonable, and customary charges
Physician Visits
Usual, reasonable, and customary charges
Surgical Treatment (Outpatient)
Usual, reasonable, and customary charges
Prescription Medication
50% of actual charge
Diagnostic Procedures
Usual, reasonable, and customary charges
Pre-Existing Conditions
12-month waiting period | Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) $25,000 lifetime maximum
Maternity
80% up to $5,000 within the PPO
Routine physical examination
Not Covered
Physical Therapy
Up to $50 per visit/day
Ambulance
Up to $500 per injury / illness if hospitalized as inpatient
Emergency Room
Usual, reasonable, and customary charges
Hospital Indemnity
Dental Benefits

Unexpected pain to sound natural teeth
$100 maximum per certificate period. Not subject to deductible or coinsurance
Accident related Emergency
$250 maximum per tooth; $500 maximum per certificate period
Life Insurance

Accidental Death & Dismemberment
No coverage
Common Carrier Accidental Death
No coverage
Other Travel Benefits

Emergency Medical Evacuation
Up to $250,000
Return of Mortal Remains or Cremation/Burial
Up to $25,000
Emergency Reunion
Up to $1,000
Return of Minor Children
Not Covered
Trip Interruption
Not covered
Loss Luggage
Not Covered
Terrorism
Coverage Information
Plan Type
Comprehensive
Acute Onset
Yes
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
No

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.