Student Secure Insurance

Diplomat America policy is designed for anyone traveling to the United States of America, suitable for international travelers and tourists or relatives/parents visiting USA from any foreign country.

• Eligibility: Visitors to USA and any traveling outside their home country to the United States. All applicants must maintain permanent residency outside of the United States. Coverage is available to the primary insured, a second insured adult, unmarried dependent children, or even if children traveling alone.
• Duration: Minimum period of 15 days initial purchase, to maximum coverage duration of 1 year (365 days).
• Maximum Amount: Plan offers maximum coverage Economys for visitors ages below 70 years: Plan A: $50,000, Plan B: $100,000, Plan C: $250,000, Plan D: $500,000, and Plan E: $1,000,000; amounts are for the life of the plan or coverage duration. For visitors age 70 – 79 years, maximum coverage Economys up to $100,000 (plans A and B only); for travelers 80 years and older, coverage maximum is US$20,000.
• Deductible: Economy of USD $0, $50, $100, $250, $500, $1000, $2500, or $5,000 deductible (accumulated amount) per person per certificate plan period.
• Co-Insurance:
  Traveling to the United States: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.
• Pre-Existing Condition: Exclusion: 24 Months prior to the start date of coverage.
• Emergency Medical Evacuation and Repatriation: $500,000
• Return of Mortal Remains: $50,000
• Emergency Medical Reunion: $50,000
• Return of Minor Child: $50,000
• Interruption of Trip: $5,000
• Loss of Baggage: $50 per article; up to a maximum of $250
• Emergency Dental Treatment: Accident: Usual & Customary expense covered, and Palliative: $100
• Accidental Death and Dismemberment: $25,000 (Enhanced Benefit Amounts available) with paralysis and
  coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
• Political and Natural Disaster Evacuation: $50,000
• Travel Assistance: Travel assistance services are also available.
• Optional Plan Enhancements: Athletic & Hazardous Activity Benefit available for team and other dangerous sport activity as specified.
• Other Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs.
• Administrator: Diplomat America is administered by Global Underwriters Inc.
• Underwriter: Diplomat America is underwritten by Allied World Assurance Company (Europe) dac.; rated “A” (excellent) by A.M. Best.

Review of the Student Secure Insurance plan brochure for coverage information and summary of benefits along with broad outline of the policy features.

• Plan Brochure: Review of the Student Secure Insurance Brochure for policy information, coverage features and plan summary of benefits.

Review of the Student Secure Insurance plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.

• Description of Coverage: Review all the policy details available in the Student Secure Insurance Description of Coverage which is the sample document certificate.

Student Secure plan has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.

• Provider Network: Search for providers within the PPO network to save on co-insurance charges using Student Secure Insurance Provider Network.

Quote/Apply/Buy StudentSecure Insurance instantly online or print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Student Secure Insurance coverage with online application.
• Application Form: Complete, mail/fax the Student Secure Insurance Paper Application along with premium payment.

StudentSecure Insurance coverage can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

• Renew Policy: Extend the policy coverage dates using StudentSecure Insurance Renew Online.

Tokio Marine HCC – MIS Group’s StudentSecure Insurance client zone for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

• Client Zone: Access the Student Secure Insurance Client Zone for existing policyholders.
• Claim Form: Submit the Student Secure Insurance Claim Form along with your bills and other supporting documents on the Client Zone for review and settlement.

Below are the rules pertaining to cancellation of the policy and refund of premium.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
• Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.