International Students Health Insurance – Student Secure
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 Medical 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.
Both the Select and Budget levels offer different levels of coverage. Coverage up to $300,000 is provided under the Select level, whereas coverage up to $250,000 is available under the Budget option. The important aspects that these plans cover are – Dental Treatment due to Accident, Dental Treatment to alleviate pain, Maternity Care for a Covered Pregnancy, Routine Nursery Care of Newborn, Hospital Room & Board Local Ambulance Intensive Care Unit, Hospital Pre-Notification Penalty, Outpatient Treatment & Outpatient Prescription Drugs and Mental Health Disorders.
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.
The eligibility for this plan is to be a full time student possessing a valid F-1 visa in the United States. It is also essential that no type of residential status is attained by these students who reside in a foreign country for the purpose of higher education.
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 a few highlights (features) of the StudentSecure SM Medical Insurance.
Ray Sondeo often writes about international student insurance.
