TOKIOMARINE HCCMIS Student Secure Smart Insurance

Student Secure Smart 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 Smart 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: $200,000

Maximum per injury or illness
Participant: $100,000


Claims incurred within the US Underwriters will pay 80% of eligible expenses after deductible

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


$50 per injury or illness within the PPO outside the U.S. or student health center;
Otherwise $100 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
Mental health disorders Outpatient:$50 maximum per day, $500 maximum lifetime
Inpatient: Usual, reasonable, and customary charges to $5,000 maximum lifetime
Emergency Medical Evacuation $50,000 lifetime
Emergency reunion $1,000 lifetime maximum
Repatriation of Mortal Remains $25,000 maximum (not subject to deductible or coinsurance)
Physical therapy and chiropractic care Maximum $25 per day
Pre-existing Conditions $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only
Ambulance Service Up to $300 per injury / illness if hospitalized as inpatient
Hospital pre-certification penalty 50% of eligible medical expenses
Intensive Care Unit Usual, Reasonable and Customary charges
Therapeutic termination of pregnancy $500 maximum per certificate period

Insurance claims

Student Secure Smart 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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