BROCHURE, RATES and APPLICATION
 tudent ecureSM
 Click
here for Free Instant Quotes and Online Purchase
 If you reside
Florida or have a mailing address in
Florida, please contact us at 877-211-3654 or Info@internationalriskmanagement.com
before submit your application for this plan.
Please read the Benefits &
Exclusions of this plan carefully before submitting your application.
If
you are a student planning on traveling to pursue your education outside
your home country, health insurance is a necessity. Most student visas
and learning institutions require visiting foreign students be covered
by a comprehensive health insurance policy. You may also find that the
coverage from your home country will not follow you while you are
studying abroad. We offer StudentSecureSM as the affordable solution.
StudentSecureSM
takes the guesswork out of insurance for individuals in study abroad programs. It is a
plan designed specifically to meet the needs of international students. StudentSecureSM
is the program that travels with you and meets or exceeds U.S. government student visa
requirements. Whether you are looking for individual coverage or coverage for your entire
family, StudentSecureSM has all the features you need. Two levels of coverage,
Select and Budget options, ensure that you can find the ideal plan.
Each plan includes coverage for Medical Expenses, Emergency Medical
Evacuation, and Acts of Terrorism.
Eligibility:
To be eligible for StudentSecureSM,
Participants must meet the following requirements:
- 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; and
- Must be residing outside Home Country for
the purpose of pursuing international educational activities; and
- Must not have obtained residency status in
the Host Country.
Full-time Student is defined as a student
at a college or university who is taking 10 credit hours (undergraduate students) or 6
credit hours (graduate students). Full-time Student status for individuals enrolled at
colleges or universities that do not use a credit hour system must provide documentation
of Full-time Student status.
The Participant’s Home Country is the
country of Principal Residence as declared on the Application form. The Home Country is the country of the
Participant’s true, fixed, and permanent home.
Dependents must meet the following
requirements:
- Be the Participant’s legally married
spouse, or be the Participant’s unmarried child under age 19 years and chiefly
dependent on the Participant for support and maintenance; and
- Accompany the Participant abroad on a
similar visa or passport while the Participant engages in international educational
activities; and
- Be temporarily located outside the
Participant’s Home Country (The Dependent’s Home Country is the same as that of
the Participant, regardless of Principal Residence.); and
- Have not obtained residency status in the
Host Country.
Schedule of Benefits and Limits
|
Select Plan |
Budget Plan |
| Certificate
Period Maximum |
| $300,000 (Participant) |
| $ 50,000 (Spouse) |
| $ 50,000 (Child) |
|
| $250,000 (Participant) |
| $ 50,000 (Spouse) |
| $ 50,000 (Child) |
|
| Maximum
Benefit per Injury or Illness |
| $300,000 (Participant) |
| $ 50,000 (Spouse) |
| $ 50,000 (Child) |
|
| $250,000 (Participant) |
| $ 50,000 (Spouse) |
| $ 50,000 (Child) |
|
| Deductible |
| $100 per Injury or Illness |
| Reduced to $50 if treatment is from Student Health
Center |
|
| Coinsurance
– Claims incurred in US |
| For the Certificate Period, Underwriters will pay
80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the
Certificate Period Maximum |
| For charges incurred within the PPO or at a Student
Health Center, coinsurance will be waived. |
|
For the
Certificate Period, Underwriters will pay 80% of the next $10,000 of Eligible Expenses
after the Deductible, then 100% to the Overall Maximum Limit |
| Coinsurance
– Claims incurred oustide of US |
After the
Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum |
For the
Certificate Period, Underwriters will pay 80% of the next $10,000 of Eligible Expenses
after the Deductible, then 100% to the Overall Maximum Limit |
| Hospital
Room & Board |
Average
Semi-private room rate, including nursing services |
| Local
Ambulance |
Up
to $350 per Injury / Illness if Hospitalized as Inpatient |
| Intensive
Care Unit |
Usual,
Reasonable, and Customary charges |
| Hospital
Pre-Notification Penalty |
50%
of Eligible Medical Expenses |
| Outpatient
Treatment |
Usual,
Reasonable, and Customary charges |
| Outpatient
Prescription Drugs |
50%
of Actual Charge |
| Mental
Health Disorders |
| Outpatient: $50 Maximum per day, $500 Maximum
Lifetime |
| Inpatient: Usual, Reasonable, and Customary charges
to $10,000 Maximum Lifetime |
| Treatment must be not obtained at a Student Health
Center |
|
| Dental
Treatment due to Accident |
| $250 Maximum per tooth |
| $500 Maximum per Certificate Period |
|
| Dental
Treatment to alleviate pain |
$100
Maximum per Certificate Period |
| Maternity
Care for a Covered Pregnancy |
Usual,
Reasonable, and Customary Charges |
| Routine
Nursery Care of Newborn |
$750
Maximum per Certificate Period |
$250
Maximum per Certificate Period |
| Therapeutic
Termination of Pregnancy |
$500
Maximum per Certificate Period |
| Physical
Therapy & Chiropractic Care |
| Maximum $50 per visit per day |
| Must be ordered in advance by a Physician and not
obtained at a Student Health Center |
|
| Intercollegiate,
interscholastic, intramural, or club sports |
| $5,000 Maximum per Injury / Illness |
| Medical Expenses only |
|
| Terrorism |
$50,000
Maximum Lifetime Limit, Medical Expenses Only |
| Benefit
Period for coverage after Policy Termination Date |
60
days from date of Injury or Onset of Illness if Member is Hospitalized on the Termination
Date |
| Emergency
Medical Evacuation |
| $300,000 (Participant) |
| $ 50,000 (Spouse) |
| $ 50,000 (Child) |
|
| $250,000 (Participant) |
| $ 50,000 (Spouse) |
| $ 50,000 (Child) |
|
| Emergency
Reunion |
$2,500
Lifetime |
$1,000
Lifetime |
| Accidental
Death & Dismemberment |
| Principal Sum |
| $25,000 (Participant) |
| $10,000 (Spouse) |
| $ 5,000 (Child) |
|
|
| Repatriation
of Remains |
$25,000
Maximum |
$15,000
Maximum |
All benefits
are per covered individual and for covered conditions. All benefits, except Accidental
Death & Dismemberment, are subject to the Deductible and Coinsurance. Limits apply to
all benefits.
Covered
Medical Expenses:
- Inpatient and Outpatient charges made
by a Hospital.
- Charges made by a Physician, surgeon,
radiologist, anesthesiologist, and any other Medical Specialist to whom the Physician has
referred the case.
- Charges made for dressings, sutures,
casts or other supplies prescribed by the attending Physician or Medical Specialist, but
excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at
home.
- Charges for diagnostic testing using
radiology, ultrasonographic or laboratory services.
- Charges for oxygen and other gases
and anesthetics and their administration.
- Charges for prescription drugs for
treatment of a covered Injury or Illness, but not for the replacement of lost, stolen,
damaged, expired or otherwise compromised drugs.
- Charges made by a licensed Extended
Care Facility upon direct transfer from an Acute Care Hospital.
- Emergency Local Ambulance transport
incurred in connection with Injury or Illness resulting in Inpatient hospitalization.
Pre-Existing
Conditions:
After 12 months of continuous coverage, StudentSecureSM will provide benefits
for Pre-existing Conditions. A Pre-existing Condition is any Injury or Illness which,
within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited
symptoms, or required medical treatment or medication, or for which a Physician was
consulted.
Maternity
& Newborn Care:
When conception occurs after the Effective Date of Coverage, StudentSecureSM
provides Maternity benefits, including but not limited to pre-natal, delivery, and
post-natal care as well as expenses for miscarriage and complications of pregnancy.
Routine Nursery Care of Newborns is also covered, subject to the maximum shown in the
Schedule of Benefits and Limits.
Organized Sports Activities:
Medical expenses for Injuries or Illnesses sustained while participating in
intercollegiate, interscholastic, intramural, or club sports are covered by the
StudentSecureSM plan up to a maximum of $5,000 per Injury or Illness. Covered
organized sports are: basketball, baseball, cross country, dance team, football, golf,
kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and
wrestling.
Mental
Health Disorders:
StudentSecureSM provides benefits for Mental Health Disorders. Outpatient
treatment is covered to a maximum of $50 per day, with a $500 Lifetime Maximum. Usual,
Reasonable, and Customary expenses are covered for Inpatient treatment to a $10,000
Lifetime Maximum. Treatment for Mental Health Disorders is covered only if not obtained
from a Student Health Center.
Emergency
Dental:
The following Emergency Dental
expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore
or replace sound natural teeth lost or damaged in an Accident which is covered under this
insurance subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and
Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of
pain subject to a maximum benefit of $100 per Certificate Period.
Emergency Medical Evacuation:
If recommended by your attending Physician, who certifies that Evacuation is necessary to
safeguard your life and that Medically Necessary treatment is not available locally, and
if approved in advance and coordinated by the Plan Administrator, StudentSecureSM
will provide the following benefits: Emergency air and/or ground transportation to the
nearest Hospital that is qualified to provide the Medically Necessary treatment.
Emergency
Reunion:
StudentSecureSM will provide benefits, up to the maximum indicated in the
Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground
transportation ticket for one of your relatives (parent, spouse, sibling or child age 18
or older) for transportation to the area where you are hospitalized and for reasonable
expenses for lodging and meals for your relative for a period not to exceed 15 days in
either of the following situations:
- Following a covered Emergency Medical
Evacuation; or
- You are hospitalized due to a
life-threatening Injury or Illness for more than five days.
The Plan Administrator must be
notified in advance of the travel of the relative in order for Emergency Reunion benefits
to be payable. Emergency Reunion benefits that are not related to an Emergency Medical
Evacuation will be paid only following the end of the Inpatient hospitalization.
Terrorism:
StudentSecureSM provides Medical coverage for Injuries and Illnesses resulting
from an Act of Terrorism, subject to a $50,000 Lifetime Maximum, provided all of the
following conditions are met:
- The Injury or Illness does not result
from chemical, nuclear or biological weapons or events.
- You have no direct or indirect
involvement in the Act of Terrorism.
- The Act of Terrorism is not in a
country or location where the United States government has issued a travel advisory that
has been in effect within the 6 months prior to your date of arrival.
- You have not unreasonably failed or
refused to depart a country or location following the date an advisory to leave that
country or location is issued by the United States government.
An Act of Terrorism is defined as:
an act, including but not limited to, the use of force or violence and/or the threat
thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in
connection with any organization(s) or government(s) committed for political, religious,
ideological or similar purposes including the intention to influence any government and/or
to put the public, or any section of the public, in fear.
For additional benefits covering
Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage,
review the MultiNational Accident Plan (MAP). Contact your representative for additional
information about this exciting product offered by MultiNational Underwriters®.
Accidental Death & Dismemberment:
In the event of your Accidental Death or Dismemberment resulting from a covered Injury,
StudentSecureSM will provide the following benefit:
- Accidental Death – Principal Sum
to the Beneficiary designated on your Application
- Loss of Sight in both eyes or loss of
two or more Limbs – Principal Sum to you
- Loss of Sight in one eye or loss of
one Limb – One-half of the Principal Sum to you
Loss of Sight is defined as total
and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance
of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and
Dismemberment benefit is not available for losses resulting from an Act of Terrorism.
Repatriation
of Remains:
In the event of a covered Injury or Illness resulting in your death, StudentSecureSM
will provide the following benefit: Air and/or ground transportation of bodily remains or
ashes to the area of your Principal Residence, and reasonable costs of preparation of your
remains necessary for transportation.
Incidental Home Country Coverage:
StudentSecureSM offers limited Home
Country coverage. Medical expenses only can be covered during one incidental visit of up
to 15 days. The member must return abroad, either to the Host Country or another country
en route to the Host Country, no more than 15 days after the return to the Home Country in
order to be eligible for this benefit. Return to the Home Country must not be taken for
the purpose of obtaining treatment for an Injury or Illness that began outside of the Home
Country.
Benefit
Period:
If you are hospitalized as Inpatient on your coverage Termination Date, StudentSecureSM
will provide a Benefit Period of 60 days for that condition only. The Benefit Period
begins on the first date that you receive diagnosis or treatment for the condition and
continues for 60 days, regardless of whether you are abroad or return to your Home
Country.
Pre-notification Requirements:
All Hospitalizations, Surgeries, Pregnancies,
Emergency Medical Evacuations, Emergency Reunions, Repatriation of Remains, Computerized
Tomography (CAT Scan), and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply
call, or have your Physician call, MultiNational Underwriters® with all information
relative to your claim. You may also pre-notify by submitting details through Student
Zone. Be sure to have your ID number available. If you do not Pre-notify, medical expenses
will be reduced by 50% and all other expenses will be forfeited.
Exclusions:
The following charges, treatments,
surgeries, medications, conditions and circumstances are excluded:
- Pre-existing Conditions –
Charges resulting directly or indirectly from any Pre-existing Condition are excluded from
this insurance during the first 12 months of coverage. A Pre-existing Condition is any
Injury or Illness which, within the 12 months prior to the Effective Date of Coverage,
manifested itself, exhibited symptoms, or required medical treatment or medication, or for
which a Physician was consulted.
- Treatment for or related to any
congenital condition, except for a newborn child insured under the Policy.
- Pre-natal, delivery, post-natal, and
newborn care, unless related to a Covered Pregnancy.
- Birth control, artificial
insemination, infertility, impotency or sexual dysfunction, sterilization or reversal
thereof.
- Substance Abuse.
- Charges which are not incurred during
the Certificate Period or the applicable Benefit Period, and charges which are not
presented to Underwriters for payment within 60 days from the end of the Certificate
Period or the applicable Benefit Period.
- Charges for use of Emergency Room for
treatment of Illness within the United States unless the patient is directly admitted to
the Hospital as Inpatient for further treatment of that Illness.
- Services that are not Medically
Necessary and administered or ordered by a Physician or Medical Specialist, and services
that are provided at no cost, by a family member, or by a person who ordinarily resides
with you, or which are attributable to or recoverable from any other party including
government-sponsored plans.
- Charges which exceed Usual,
Reasonable and Customary.
- . Investigational, Experimental or
for Research purposes.
- . Venereal Disease, AIDS or ARC.
- Treatment by a Chiropractor unless
ordered in advance by a Physician.
- . Physical therapy and treatment for
Mental Health Disorders if treatment is obtained at a Student Health Center.
- . Diseases of the skin.
- . Dental treatment, including
treatment of the temporomandibular joint, except for Emergency Dental treatment for the
relief of acute, spontaneous and unexpected onset of pain.
- . Eyeglasses, vision exams, contact
lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy,
orthoptics or visual eye training or eye surgery (including cataract surgery and radial
keratotomy) or for any examination or fitting related to these devices or procedures.
- . Immunizations and Routine Physical
Exams.
- . Expenses in excess of $5,000 for
Injury or Illness sustained while taking part in intercollegiate, interscholastic,
intramural, or club sports, and all expenses for any Injury or Illness sustained while
taking part in any other Amateur Athletics. Amateur Athletics is defined as sports or
other athletic activities that are organized and/or sanctioned, involving regular or
scheduled practices and/or regular or scheduled games. This definition does not include
athletic activities that are non-contact and engaged in by a Member solely for
recreational, entertainment or fitness purposes and not for wage, reward or profit.
- . Injury sustained while taking
part in: professional sports; mountaineering where ropes or guides are normally used or at
elevations of 4,500 meters or higher; aviation, except when traveling solely as a
passenger in a commercial aircraft; hang gliding, sky diving, parachuting, or bungee
jumping; snow skiing or snowboarding, except for recreational downhill and/or
cross-country snow skiing or snowboarding (no cover provided whilst skiing away from
prepared and marked in-bound territories and/or against the advice of the local ski school
or local authoritative body); racing by any animal or motorized vehicle; spelunking;
subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified,
accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing;
and any other sport or athletic activity which is undertaken for thrill seeking and
exposes you to abnormal or extreme risk of injury.
-
- Injury sustained while under the
influence of or due wholly or partly to the effects of intoxicating liquor or drugs other
than drugs taken in accordance with treatment prescribed and directed by a Physician but
not for the treatment of Substance Abuse.
- Willfully self-inflicted Injury or
Illness and/or any complications or consequences thereof.
- The Deductible, Coinsurance and
charges which are not included as Eligible Expenses as described in the Master Policy, and
charges which exceed the limits set forth in the Schedule of Benefits and Limits.
- Treatment required as a result of
complications or consequences of a treatment or condition not covered hereunder.
- Charges for travel or accommodations,
except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation
of Remains, and Emergency Reunion sections of this insurance.
- Treatment incurred as a result of
exposure to non-medical nuclear radiation and/or radioactive material(s).
- Organ or tissue transplants or
related services.
- Acts of Terrorism, except as provided
for herein, war, insurrection, riot or any variation thereof.
This is a summary of exclusions. For
more details, or for a complete copy of the Master Policy, contact our office at
877-211-3654 or info@worldwidemedicalplans.com
Effective
& Termination Dates:
Coverage becomes effective on the latest of:
- The moment we receive the application
and correct premium (if application and payment is made online or by fax); or
- 12:01am US Eastern Time on the date we receive your application and
payment (if application and payment is made by mail); or
- 12:01am US Eastern Time on the date
you meet eligibility requirements.
Coverage terminates on the earliest
of:
- 11:59pm US Eastern Time on the last
day of the period for which you have paid premium; or
- 11:59pm US Eastern Time on the last
date requested on your application; or
- 12:01am US Eastern Time on the date
you no longer meet eligibility requirements.
Cancellations
and Refunds:
To be eligible for a full refund, the request for cancellation must be received prior to
the effective date. Cancellation requests received after the effective date will be
subject to the following conditions:
- A $25 cancellation fee will apply
- Only the unused portion of the plan
cost will be refunded
- Only members who have no claims are
eligible for premium refund
- After 60 days, no refunds are granted
Assistance
Services:
All Travel Assistance Services are available to you 24 hours a day, 7 days a week while
your StudentSecureSM plan is in effect:
Pre-Trip Health and Safety Advisories - contact
us for current passport, visa, inoculation and vaccine requirements as well as for
up-to-date travel safety advisories.
Livetravel Services - we will make
emergency travel and itinerary changes for you including rebooking flights, hotel
reservations and ground transportation arrangements.
BagTrak - we are the industry
leaders in tracking lost, checked baggage. We will help you locate your lost checked
baggage and deliver it to you anywhere in the world.
Emergency Message Relay - we will
relay messages to your family, friends and co-workers, helping you to maintain contact
during an emergency.
Emergency Cash Transfers - we will
assist you in arranging and obtaining cash transfers anywhere in the world.
Travel Assistance Services also include:
- Medical referrals
- Assistance with prescription drug
replacement
- Dispatch of a doctor or specialist
- Emergency travel arrangements for family
members
- Lost passport or travel documents assistance
- Embassy and consulate referrals
- Legal and accounting referrals
- Bail bond assistance
- Translation and interpretation assistance
StudentSecureSM
Assistance Services are not insurance benefits, and provision of any Assistance Service is
not a guarantee of any other benefit under StudentSecureSM.
Student Relations
At times, there is simply no substitute for human intervention. Our Student Relations team
is available 24 hours a day, 7 days a week to answer your questions and may be reached by
students at no cost through our Worldwide 800 numbers. Immediate support is available in
several languages and can be provided in many others with the assistance of a translator.
If a translator is needed, the Student Relations Specialist will arrange one.
A Trustworthy Insurer
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of
StudentSecureSM. Rated A++ (Excellent) by AM Best Company, and A (Strong) by
Standard and Poor’s, Lloyd’s provides financial strength and security that is
unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market
leader in the accident and health insurance arena and is well-known for its innovative
products and services. Presently, Lloyd’s provides accident and health insurance to
millions of individuals in almost every country of the world.
Click
here for Free Instant Quotes and Online Purchase
If you reside
Florida or have a mailing address in
Florida, please contact us at 877-211-3654 or Info@internationalriskmanagement.com
before submit your application for this plan.
Please read the Benefits &
Exclusions of this plan carefully before submitting your application.
If you have any questions or concerns, please contact us
today.
info@internationalriskmanagement.com
877-211-3654 or
559-294-0316
Thank you for
visiting our website.
www.InternationalRiskManagement.com
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