International Student Insurance

Eligibility

To be eligible for StudentSecure, Participants must meet 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 affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-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. For US citizens and residents, the Host Country must be outside the US, including US territories.

Eligibility Definitions

Full-time Student is defined as 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 is defined as 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 not be limited to performing research in an area of specialty or teaching for a temporary period of time.

The Participant's Home Country is the country of Principal Residence as declared on the Application form. The Home Country is the country of the Participant's true, fixed, and permanent home.

Dependents must meet the following requirements:

Dependent Eligibility

• Be the Participant's legally married spouse, or be the Participant's unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance; and
• Accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and
• Be temporarily located outside the Participant's Home Country (The Dependent's Home Country is the same as that of the Participant, regardless of Principal Residence.); and
• Have not obtained residency status in the Host Country.

Effective & Termination Dates

Coverage becomes effective on the latest of:

The moment we receive the application and correct premium (if application and payment is made online or by fax); or

12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail); or

12:01am US Eastern Time on the date you meet eligibility requirements.

Coverage terminates on the earliest of:

11:59pm US Eastern Time on the last day of the period for which you have paid premium; or

11:59pm US Eastern Time on the last date requested on your application; or

12:01am US Eastern Time on the date you no longer meet eligibility requirements ; or

The moment of return to your Home Country (except as allowed by the provisions of this coverage).

Extending or Renewing Coverage

After your initial purchase, you may extend your coverage up to a maximum of 12 months from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset.

You may renew your coverage for up to 4 years as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a 12-month Certificate Period. Deductible and Coinsurance must be re-satisfied as of each renewal date.

After 4 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 benefit 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 effective date. Cancellation requests received after the effective date will be subject to the following conditions:

A $25 cancellation fee will apply

Only the unused portion of the plan cost will be refunded

Only members who have no claims are eligible for premium refund

After 60 days, no refunds are granted

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International travel carries with it increased risk to your life, health and belongings. Stay alert at all times and remain in the company of your friends or family. The best precautions to take are always preventative.

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