To be eligible for the StudentSecure Participants must meet all of 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; or must be a Full-time Scholar affi liated with an educational institution and performing work or research for at least 30 hours per week; or must be a Full-time High School Student.
• T he Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F1 (including those students on OPT) or J1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.
Must be residing outside Home Country for the purpose of pursuing international educational activities.
• Must not have obtained residency status in the Host Country.
Participants visiting the US must hold a valid education- related visa. A copy of the I-20 or DS-2019 may be requested.
Home Country Coverage
Incidental Home Country Coverage
StudentSecure will provide you 15 days of incidental coverage for trips to your home country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefi t, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.
Benefi t Period Medical Coverage
While the certifi cate is in eff ect, the benefi t period does not apply. Upon termination of the certifi cate, Underwriters will pay eligible medical expenses, as defi ned herein, for up to 60 days beginning on the fi rst day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certifi cate was in eff ect. The benefi t period applies only to eligible medical expenses related to a condition for which the member was hospitalized as an inpatient on the termination date of the certifi cate.
Extending or Renewing Coverage
You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a certifi cate period. Deductible and coinsurance must be re-satisfi ed as of each renewal date.
After four years of continuous coverage or any break in coverage, a new plan must be purchased. A
new application is required and you must re-satisfy your deductible, coinsurance, pre-existing condition provisions, and all other benefi t limits. Extensions and renewals must be made online with payment by credit card.
Cancellations and Refunds
To be eligible for a full refund, the request for cancellation must be received prior to the eff ective date. Cancellation requests received after the eff ective date will be subject to the following conditions:
1) A $25 cancellation fee will apply
2) Only premium for unused whole-months of the plan will be refunded
3) Only members who have no claims are eligible for premium refund
4) After 60 days, no refunds are granted
• 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; or must be a Full-time Scholar affi liated with an educational institution and performing work or research for at least 30 hours per week; or must be a Full-time High School Student.
• T he Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F1 (including those students on OPT) or J1 visa. Full-time status requirements remain in force for individuals holding M-1 or other category visas.
Must be residing outside Home Country for the purpose of pursuing international educational activities.
• Must not have obtained residency status in the Host Country.
Participants visiting the US must hold a valid education- related visa. A copy of the I-20 or DS-2019 may be requested.
Home Country Coverage
Incidental Home Country Coverage
StudentSecure will provide you 15 days of incidental coverage for trips to your home country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefi t, which covers medical expenses only. Return to your home country must not be taken for the purpose of obtaining treatment of an illness or injury that began while traveling.
Benefi t Period Medical Coverage
While the certifi cate is in eff ect, the benefi t period does not apply. Upon termination of the certifi cate, Underwriters will pay eligible medical expenses, as defi ned herein, for up to 60 days beginning on the fi rst day of diagnosis or treatment of a covered injury or illness while the member is outside his or her home country and while the certifi cate was in eff ect. The benefi t period applies only to eligible medical expenses related to a condition for which the member was hospitalized as an inpatient on the termination date of the certifi cate.
Extending or Renewing Coverage
You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a certifi cate period. Deductible and coinsurance must be re-satisfi ed as of each renewal date.
After four years of continuous coverage or any break in coverage, a new plan must be purchased. A
Cancellations and Refunds
To be eligible for a full refund, the request for cancellation must be received prior to the eff ective date. Cancellation requests received after the eff ective date will be subject to the following conditions:
1) A $25 cancellation fee will apply
2) Only premium for unused whole-months of the plan will be refunded
3) Only members who have no claims are eligible for premium refund
4) After 60 days, no refunds are granted
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