Page 4 - StudentsSecure_Brochure
P. 4
®
Pre-Existing Conditions outbreak or recurrence. A pre-existing Emergency Medical Evacuation
condition that is a chronic or congenital
After six months of continuous coverage, condition or that gradually becomes worse Would you know what to do if you found
StudentSecure Elite and StudentSecure over time will not be considered acute yourself in a life-threatening situation
Select will provide benefits for pre-existing onset. far from home? Tokio Marine HCC – MIS
conditions (12 months for StudentSecure Group is experienced in arranging emer-
Budget). Organized Sports Activities gency medical evacuations. StudentSecure
will cover eligible expenses necessary to
A pre-existing condition is any condition: Medical expenses for injuries or illnesses transport you from an initial treating facility
sustained while participating in intercolle- to the nearest medical facility qualified
• for which medical advice, diagnosis, giate, interscholastic, intramural, or club to treat your life-threatening condition.
care, or treatment was recommended sports are covered by the StudentSecure We also understand the importance of
or received within 2 years prior to your plan up to a maximum of $5,000 per injury family support in these difficult situations.
effective date of coverage or illness on StudentSecure Elite and StudentSecure will also cover the transpor-
Select and up to $3,000 per injury or illness tation, lodging, and meal costs for a relative
• which would cause a reasonably prudent on StudentSecure Budget. StudentSecure to join you after a covered emergency
person to seek medical advice, diagno- Smart does not provide coverage for orga- medical evacuation, up to the lifetime limit.
sis, care, or treatment within 2 years nized sports activities.
prior to your effective date of coverage Terrorism
Mental Health Disorders
• that existed (with reasonable medical In these turbulent times, the risk of a terror-
certainty) with 2 years prior to your effec- StudentSecure provides benefits for mental ist attack is a reality. If you are in the wrong
tive date of coverage, whether or not it health disorders. Drug and alcohol abuse place at the wrong time, StudentSecure
was known to you are covered under this benefit on the Elite, Elite, Select, and Budget offer coverage for
Select and Budget plan levels. Treatment for eligible medical expenses resulting from
Note: StudentSecure Smart does not provide cover- mental health disorders is covered only if these acts. Coverage excludes countries
age for expenses related to pre-existing conditions not obtained from a student health center. or regions for which the U.S. Department
except as provided for under the Acute Onset of a of State has issued a level 3 “reconsider
Pre-Existing Condition benefit described below. Emergency Dental travel” or level 4 “do not travel” advisory.
Acute Onset of a Pre-Existing Condition The following emergency dental expenses Repatriation of Remains
are covered: emergency dental treatment
Individuals who purchase a StudentSecure and dental surgery necessary to restore or What would your family do if disaster
plan are entitled up to a $25,000 lifetime replace sound natural teeth lost or damaged strikes while you are away from home? The
maximum for the acute onset of a pre-ex- in an accident which is covered under this death of a loved one is never easy, no mat-
isting condition. The acute onset of a insurance subject to a maximum of $250 per ter the circumstances. In the unfortunate
pre-existing condition means a sudden and tooth and $500 certificate period maximum; event of your death while traveling abroad,
unexpected outbreak or recurrence of a and emergency dental treatment necessary StudentSecure will arrange for and cover
pre-existing condition which occurs spon- to resolve acute, spontaneous and unex- eligible costs associated with the repatria-
taneously and without advance warning in pected onset of pain subject to a maximum tion of your remains.
the form of physician recommendations or benefit of $100 per certificate period.
symptoms, is of short duration, is rapidly
progressive, and requires urgent care. The
acute onset of a pre-existing condition
must occur after the effective date of the
policy. Treatment must be obtained within
24 hours of the sudden and unexpected
The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not
amend or otherwise affect the terms and conditions of any insurance policy issued by Tokio Marine HCC- MIS Group or its affiliates. In the event that a policy is inconsistent with the information described
herein, the language of the policy will take precedence.
StudentSecure is underwritten by Lloyd’s, London. Tokio Marine HCC- Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies.
Tokio Marine HCC- MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency
Ltd.
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable
Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer
PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do
not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage
does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.
Pre-Existing Conditions outbreak or recurrence. A pre-existing Emergency Medical Evacuation
condition that is a chronic or congenital
After six months of continuous coverage, condition or that gradually becomes worse Would you know what to do if you found
StudentSecure Elite and StudentSecure over time will not be considered acute yourself in a life-threatening situation
Select will provide benefits for pre-existing onset. far from home? Tokio Marine HCC – MIS
conditions (12 months for StudentSecure Group is experienced in arranging emer-
Budget). Organized Sports Activities gency medical evacuations. StudentSecure
will cover eligible expenses necessary to
A pre-existing condition is any condition: Medical expenses for injuries or illnesses transport you from an initial treating facility
sustained while participating in intercolle- to the nearest medical facility qualified
• for which medical advice, diagnosis, giate, interscholastic, intramural, or club to treat your life-threatening condition.
care, or treatment was recommended sports are covered by the StudentSecure We also understand the importance of
or received within 2 years prior to your plan up to a maximum of $5,000 per injury family support in these difficult situations.
effective date of coverage or illness on StudentSecure Elite and StudentSecure will also cover the transpor-
Select and up to $3,000 per injury or illness tation, lodging, and meal costs for a relative
• which would cause a reasonably prudent on StudentSecure Budget. StudentSecure to join you after a covered emergency
person to seek medical advice, diagno- Smart does not provide coverage for orga- medical evacuation, up to the lifetime limit.
sis, care, or treatment within 2 years nized sports activities.
prior to your effective date of coverage Terrorism
Mental Health Disorders
• that existed (with reasonable medical In these turbulent times, the risk of a terror-
certainty) with 2 years prior to your effec- StudentSecure provides benefits for mental ist attack is a reality. If you are in the wrong
tive date of coverage, whether or not it health disorders. Drug and alcohol abuse place at the wrong time, StudentSecure
was known to you are covered under this benefit on the Elite, Elite, Select, and Budget offer coverage for
Select and Budget plan levels. Treatment for eligible medical expenses resulting from
Note: StudentSecure Smart does not provide cover- mental health disorders is covered only if these acts. Coverage excludes countries
age for expenses related to pre-existing conditions not obtained from a student health center. or regions for which the U.S. Department
except as provided for under the Acute Onset of a of State has issued a level 3 “reconsider
Pre-Existing Condition benefit described below. Emergency Dental travel” or level 4 “do not travel” advisory.
Acute Onset of a Pre-Existing Condition The following emergency dental expenses Repatriation of Remains
are covered: emergency dental treatment
Individuals who purchase a StudentSecure and dental surgery necessary to restore or What would your family do if disaster
plan are entitled up to a $25,000 lifetime replace sound natural teeth lost or damaged strikes while you are away from home? The
maximum for the acute onset of a pre-ex- in an accident which is covered under this death of a loved one is never easy, no mat-
isting condition. The acute onset of a insurance subject to a maximum of $250 per ter the circumstances. In the unfortunate
pre-existing condition means a sudden and tooth and $500 certificate period maximum; event of your death while traveling abroad,
unexpected outbreak or recurrence of a and emergency dental treatment necessary StudentSecure will arrange for and cover
pre-existing condition which occurs spon- to resolve acute, spontaneous and unex- eligible costs associated with the repatria-
taneously and without advance warning in pected onset of pain subject to a maximum tion of your remains.
the form of physician recommendations or benefit of $100 per certificate period.
symptoms, is of short duration, is rapidly
progressive, and requires urgent care. The
acute onset of a pre-existing condition
must occur after the effective date of the
policy. Treatment must be obtained within
24 hours of the sudden and unexpected
The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not
amend or otherwise affect the terms and conditions of any insurance policy issued by Tokio Marine HCC- MIS Group or its affiliates. In the event that a policy is inconsistent with the information described
herein, the language of the policy will take precedence.
StudentSecure is underwritten by Lloyd’s, London. Tokio Marine HCC- Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies.
Tokio Marine HCC- MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency
Ltd.
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable
Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer
PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do
not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage
does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.
