TOKIOMARINE HCCMIS Student Secure Elite Insurance

Student Secure Elite Insurance provides ideal medical coverage for students and scholars who are planning to visit foreign countries to pursue their studies. Worldwide Health Coverage for Students pursuing their Education Abroad. Student Secure Elite satisfies J1 Visa insurance requirements
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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
Participant: $500,000

Maximum per injury or illness
Participant: $500,000


Claims incurred within the US Underwriters will pay 100% of the next $5,000 of
eligible expenses within the ppo network (80% of eligible expenses outside the PPO network)

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


$25 per injury or illness within the PPO outside the U.S.
or student health center;
Otherwise $50 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 80% of actual charge
Mental health disorders Outpatient or inpatient:80% within the PPO, 60% out of network.Maximum 30 days of coverage. Coverage includes drug abuse or alcohol abuse.Treatment must not be obtained at a student health center
Emergency Medical Evacuation Not subject to deductible or coinsurance
Up to the certifi cate limit
Emergency reunion $5,000 lifetime maximum
Repatriation of Mortal Remains $50,000 (not subject to deductible or coinsurance
Intercollegiate, interscholastic, intramural or club sports $5,000 maximum per injury or illness medical expenses only
Physical therapy and chiropractic care Maximum $75 per day
Pre-existing Conditions Covered after 180-day waiting period
Ambulance Service Up to $750 per injury / illness if hospitalized as inpatient
Hospital pre-certification penalty 50% of eligible medical expenses
Intensive Care Unit Usual, Reasonable and Customary charges
Maternity care for a covered pregnancy 80% within the PPO and 60% outside the PPO, Coverage up to the certificate period maximum
Routine nursery care of new born $750 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. Not subject to deductible or coinsurance.
Accidental Death & Dismemberment $25,000 lifetime maximum
Terrorism Coverage $50,000 maximum lifetime limit

Insurance claims

Student Secure Elite 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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