TOKIOMARINE HCCMIS Student Secure Budget Insurance

Student Secure Budget Insurance from Tokio Marine HCC provides medical health coverage which fulfills the specific requirements of the students traveling abroad for studying. Worldwide Health Coverage for Students pursuing their Education Abroad. Student Secure Budget satisfies J1 Visa insurance requirements

Student Secure Budget insurance for Covid19

Student Secure Budget insurance covers eligible medical expenses for treatment of sickness from COVID-19/SARS-CoV-2.
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  • Full time students/scholars
  • Foreign undergraduate or graduate student pursuing his/her studies in the US
  • US Students studying abroad
  • International Scholars
  • F1 visa holders
  • The coverage may be renewed as long as the student meets the eligibility requirements
  • Renewal may be completed within the last 6 months of a 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, new plan must be bought

What's covered?

Plan Maximum

Certificate Period Maximum

Maximum per injury or illness


Claims incurred within the US Underwriters will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to certificate period maximum

Claims incurred outside of US After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum


$45 per injury or illness within the PPO or outside the U.S. Otherwise $90 per injury or illness

Plan benefits

Hospital Room & board Average semi-private room rate, including nursing services
Outpatient Treatment Usual, Reasonable and Customary charges
Outpatient prescription drugs 50% of actual charge
Emergency Medical Evacuation(Not subject to deductible or coinsurance) $250,000 lifetime maximum
Emergency reunion $1,000 lifetime maximum
Repatriation of Mortal Remains $25,000 maximum (not subject to deductible or coinsurance)
Intercollegiate, interscholastic, intramural or club sports $3,000 maximum per injury or illness medical expenses only
Physical therapy and chiropractic care Maximum $50 per day
Pre-existing Conditions 12 months waiting period
Ambulance Service Up to $500 per injury / illness if hospitalized as inpatient
Intensive Care Unit Usual, Reasonable and Customary charges
Mental health disorders Outpatient: $50 maximum per day, $500 maximum lifetime
Inpatient: Usual, reasonable, and customary charges to $10,000 maximum lifetime (Includes drug and alcohol abuse)
Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center
Terrorism Coverage $50,000 maximum lifetime limit
Maternity care for a covered pregnancy 80% within the PPO and 60% outside the PPO, Coverage up to $5,000
Routine nursery care of new born $250 maximum per certificate period
Therapeutic termination of pregnancy $500 maximum per certificate period
Dental Treatment due to accident $250 maximum per tooth; $500 maximum per certificate period
Dental Treatment due to alleviate pain $100 maximum per certificate period

Insurance claims

Student Secure Budget claims can submitted by filling and sending the claims form to the Tokio Marine HCC Medical Insurance Services claims department
   Claims Contact

Email Address:

Toll Free Number:
For Outside U.S: (317)262-2132
   Claims Department

Tokio Marine HCC Medical Insurance Services, LLC
P.O. Box 2005
Farmington Hills, MI 48333-2005
   Claims Submission

If the policy is active - Claims can be submitted anytime and does not have a time limit for submission.

If the policy has expired - Claims have to be submitted within 60 days from the plan expiry date.

Click here to download Claims form
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