International Students Medical Insurance
Anywhere in the world!
from Tokio Marine HCC MIS
Four Levels StudentSecure Plans
What is International Students’ Health and Safety Protection Insurance?
If you plan to study abroad, away from your home country, Tokio Marine HCC MIS offers four levels of SecureStudent series of health insurance plans worldwide for international students except for individuals who at the time of purchase of plan are physically located:
- In the states of New York, Maryland, or Washington in the U.S. , or
- In Canada or Australia.
Things to know before I sign up for it
I am coming to the U.S. Do I have to buy medical insurance?
If you are coming to the U.S. for studies on student visa, it is mandatory by the U.S federal law that all international students coming to the U.S. colleges and universities must purchase medical insurance as condition for their admission. The federal law sets out minimum requirement of health and medical insurance. The states and schools may supplement requirements to the federal law for minimum requirements of medical insurance. Typically many colleges and universities recommend to you a preferred vendor of this insurance who has established relations, throw its premiums in your tuition costs on semester basis, and pay to the vendor on your behalf. You may be paying directly should you so choose. However, this is only recommendation to you and not mandatory for you to follow on school sponsored vendor. It is important that you understand what is minimum requirements of medical coverage what different insurance companies offer in their plans.
I plan to bring my family to the U.S. Do they have to have medical insurance?
An international student coming to the U.S. on student visa: F-1, or J-1, can bring spouse and minor children under age 21 on valid visitor visa. It is a prerequisite that accompanying family members of the student have minimum medical insurance. The accompanying family members can purchase International Travelers Medical Insurance to cover and satisfy the prerequisites of medical insurance.
How do I compare this StudentSecure plan with others in the market?
View or download here a comparison of Tokio Marine HCC plan ‘StudentSecure’ with that of another vendor designated as BLANK for international students coming in the U.S. colleges and universities. The comparison shows minimum requirements mandated by the U.S. law and other features of the two products to compare to help you select.
If you are going to a country other than the U.S., follow the law and rules of that country. However, to have your own arrangements to pay for the medical costs through your insurance company will always reduce your out-of-pocket costs. Tokio Marine HCC is available to you world over, and you have handy list of approved healthcare providers in the worldwide network.
Am I eligible for this medical insurance?
This insurance is available to International Students worldwide who plan to be away from their home country to study abroad in any country.
- You must be under age 65; and
- 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
- A student under age 19 enrolled in a secondary school; or
- A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week; and
- You must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.
- For J-1 and F-1 visa (including OPT) holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa, including OPT / Optional Practical Training, or a J-1 visa.
- Full-time status requirements remain in force for individuals holding M-1, or other category visas.
- StudentSecure is not available to the international students coming to the U.S. who are physically located in the states of New York, Maryland, or Washington; or
- in the country of Canada or Australia at time of purchase.
What are the eligibility definitions?
- Full-time Student means 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.
- Full-time Scholar means an individual who is affiliated with an educational institution and is engaging in educational activities for at least 30 hours per week. These activities may include but may not be limited to performing research in an area of specialty or teaching for a temporary period of time.
- Home Country means, for U.S. Citizens, the United States of America, regardless of the location of your principal residence. For non-U.S. Citizens, home country is the country where you principally reside and receive regular mail.
What are the brief features of this medical insurance?
- You must have valid visa from host country for this plan.
- This policy is available for maximum period of 364 days if one of your destinations is the U.S.A. For all other countries, it is 365 days.
- This policy terminates on: a) last day of the paid premium, b) last day requested on the application, c) the day when you do not meet eligibility requirements of a foreign student or scholar, d) when you return to home country.
- You have an extended Benefit Period of coverage for 60 days for continued coverage from the date of first diagnosis or treatment of injury or illness for which you were an ‘inpatient’ in a hospital in host country even if your policy terminates during this period.
- If you make incidental trips to your home country totaling no more than 15 days per 3 months’ period, you are in status of incidental home country coverage. Return to home country must not be for the purpose of treatment of an illness or injury that began while abroad.
- Please familiarize yourself with a number of exclusions in this policy.
- In addition to medical coverage, the policy also covers emergencies like:
- emergency medical evacuation,
- repatriation of remains, local burial or cremation, accidental death and dismemberment,
- crisis response like ransom, personal belongings, emergency reunion, bedside visit, return of minor children, pet return, political evacuation, trip interruption, lost checked luggage, travel delay, emergency dental, natural disaster, hospital indemnity, and personal liability.
Are there any choices in StudentSecure plan depending on my need?
There are four levels of plans for you to choose from, depending upon your needs and level of benefits. Browse over the premium rates of these four plans. These plans are:
- Elite: It is most comprehensive, and costliest of the four options.
- Select: This is next lower to Elite plan.
- Budget: It is next lower to Select plan
- Smart: It is the lowest.
How do I find medical care providers?
These plans come with worldwide network of healthcare providers who offer you discounted medical costs and out-of-pocket expenses.
Find out more about the networks of Medical Care Providers in U.S. and worldwide below :
I want to signup. How should I go about it?
Enter your information and browse plans
Compare the plans and select a plan.
Follow prompts and submit application. You will receive email confirmation.
Follow instruction in the email.
I just signed up. Now What?
An email arrives in your Inbox from Tokio Marine HCC MIS. Read instructions and save this email.
Your ID cards should arrive in the mail in about 3-5 days
Go over the policy and understand its scope, benefits, and limitations.
Find doctor you want to visit, make appointment, and settle fee payment arrangements.
I’m a policy holder. I need help!
How do I make sure my medical bills are cleared timely?
If you are outside the U.S.
Check with the provider of the medical services if they accept your insurance ID card of Tokio Marine HCC policy and have capability to process medical claims directly. In this case, assign processing of bills to the medical service providers.
If the medical service providers do not process claims with insurer, take all bills from providers, pay for services upfront, take receipts of payments you to make and then file claims with insurance company for reimbursements. Your service provider may accept to wait for you to have insurance company pay directly and establish relationship.
If you are in the U.S.
Verify with the medical service providers in the network that they accept Tokio Marine HCC policy and they will process the claims directly with the insurance company. If so, the insurance company will notify you in Explanation of Benefits statement showing claims paid, claims denied, and what you owe.
Note of caution!
In either case, it is important that you file medical claims with the insurance company or have your medical service provider file claims and check their status online.
If your medical service provider is not dealing directly with insurance company, download online Claim Form, fill the medical services you received, bills of the service providers and submit paper claim by mail, or scan and submit claims to Service@hccmis.com, or preferably go to Client Zone of your registered account, login and submit the claims. You can fill the forms online as well and email supporting bills. As your claims are processed, you will receive a statement of Explanation of Benefits (EOB) from Claims Examiner, which will show claims paid or denied.
Plan availability varies by State. Shop Plans to see what’s currently available for you
To meet student requirements for medical insurance and prevent high expenses, get covered today!
Call us at 407-792-6060 or leave message below. We’ll get back to youwithin 24 hours.