International Student Insurance – Student Secure Plan

Written By: Ray Sondeo on September 1, 2009 No Comment

Student medical health insurance is one of the most important requirements for an international student. Health care expenses are usually on the expensive side in all foreign countries and as such, it is very important that we take up International Student Health Insurance before we leave for our studies abroad.

StudentSecure Medical Insurance by HCC Medical Insurance Services is a plan that has been specifically designed for international students. With the Student Secure Medical insurance there are two levels of coverage Select and Budget for medical insurance for international students? .Both plans provide coverage for Medical Expenses, Emergency Medical Evacuation, and Acts of Terrorism and all pre-existing conditions are covered after 12 months.

The Budget and Select types of coverage differ according to the amount they offer as coverage. While, the Select plan offers up to $300,000 as coverage, the Budget Plan offers up to $250,000 as coverage. Both these plans cover the factors of – Hospital Pre-Notification Penalty, Outpatient Treatment & Outpatient Prescription Drugs, Hospital Room & Board Local Ambulance Intensive Care Unit, Dental Treatment due to Accident, Dental Treatment to alleviate pain, Maternity Care for a Covered Pregnancy, , Mental Health Disorders and Routine Nursery Care of Newborn.

Apart from the above mentioned aspects, even the aspects of Benefit Period for coverage after Policy Termination Date, Emergency Medical Evacuation, Emergency Reunion and Accidental Death & Dismemberment, Therapeutic Termination of Pregnancy, Physical Therapy & Chiropractic Care, Intercollegiate, interscholastic, intramural, or club sports and Terrorism are included in International Student Insurance plans.

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 a few highlights (features) of the StudentSecure SM Medical Insurance.

Ray Sondeo often writes about international student insurance.