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
Am I eligible for this medical insurance?
- 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 be residing outside your home country for the purpose of pursuing international educational activities; and
- You must not have obtained residency status in your host country; and
- If in the Unites States,
- 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.
- Full-time status requirements remain in force for individuals holding M-1, or other category visas.
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 of this plan depending on my need?
There are four levels of plans for you to choose from, depending upon your needs and level of benefits. 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.
What do I need to know before I sign up?
Click and familiarize yourself with the following published material:
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.
Click below to know about networks of Medical Care Providers in U.S. and worldwide:
I just signed up. Now What?
Check your email for a welcome letter and Insurance Policy documents.
Follow the instructions in the email to signup as member with policy servicers.
Go over the policy and understand its scope, benefits, and limitations.
How do I make sure my medical bills are cleared timely?
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I’m a policy holder. I need help!
Follow the instructions in the email.
Customer Service is provided by third party, Loomis Company
Read more customer service information
- Customer Service: select Option 3 for members at 866-473-6615
- Onllne Member Portal: http://www.loomisco.com/healthxgateway/member
- Policy Documents Requests: IHCDocuments@loomisco.com
- Bill inquiries: 1-856-892-4301; Fax: 610-374-6986
Plan availability varies by State. Shop Plans to see what’s currently available for you