Coverage & Plans:
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.
Unsolicited Testimonial
"Just thought I'd drop you a line to say 'Thank You' for your personal attention to my request for more information. It was prompt and courteous and I appreciated it."
- Billy & Marsha Y.
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 MultiNational Underwriters®, 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.
MNU 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.
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For American citizens, be sure to register your travel plans with the U.S. State Department. This will aid them in more easily notifying you in the event a crisis develops in your destination country or there's a family emergency back in the U.S. |
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.
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