Student Health Insurance
International Heath Insurance for Students Studying Abroad

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"Student Secure"
International Health Insurance and More for Students Traveling Outside Their Home Country to Pursue an Education

            If you are a student planning on traveling to pursue your education outside your home country, health insurance is a necessity. Most student visas and learning institutions require visiting foreign students be covered by a comprehensive health insurance policy. You may also find that the coverage from your home country will not follow you while you are studying abroad. MultiNational Underwriters® (MNU) offers StudentSecureSM as the affordable solution.
   
            MNU takes the guesswork out of insurance for individuals in study abroad programs with StudentSecureSM, a plan designed specifically to meet the needs of international students. MNU’s StudentSecureSM is the program that travels with you and meets or exceeds US government student visa requirements. Whether you are looking for individual coverage or coverage for your entire family, StudentSecureSM has all the features you need. Two levels of coverage, Select and Budget options, ensure that you can find the ideal plan. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Acts of Terrorism.
   
            MNU also offers a variety of valuable Assistance Services, available around the clock. These services help you locate a doctor, learn about safety advisories and access other important services. MNU is there to support you throughout your study abroad program as you adjust to your new surroundings.
   
International Insurance Solutions
            MultiNational Underwriters®, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. As a TRAVEL GUARD® International company, we benefit from the experience of a corporate group that protects over 6 million travelers a year. Our international medical professionals, claims analysts, and student assistance specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional.
   
            MultiNational Underwriters® and Travel Guard International are members of Noel Group, founded in 1985. Noel Group is a worldwide family of travel service, assistance, and insurance companies built on solid corporate values and unrivaled customer service. We offer a broad range of travel insurance plans and assistance services for individuals, corporations, missionaries, schools, and other international organizations requiring access to global travel solutions regardless of their location. Our organizational culture is based on integrity, keeping our promises, and giving back to the global and local communities where we do business through humanitarian efforts. Headquartered in Stevens Point, Wisconsin, Noel Group has more than 850 employees in 20 worldwide locations.
   
A Trustworthy Insurer
            Lloyd’s, the largest and oldest insurance market in the world, is the insurer of StudentSecureSM. Rated A (Excellent) by AM Best Company, and A (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.
   
Schedule of Benefits and Limits
 
           
  Select Plan Budget Plan
Certificate Period Maximum
$300,000 (Participant)
$ 50,000 (Spouse)
$ 50,000 (Child)
$250,000 (Participant)
$ 50,000 (Spouse)
$ 50,000 (Child)
Maximum Benefit per Injury or Illness
$300,000 (Participant)
$ 50,000 (Spouse)
$ 50,000 (Child)
$250,000 (Participant)
$ 50,000 (Spouse)
$ 50,000 (Child)
Deductible
$100 per Injury or Illness
Reduced to $50 if treatment is from Student Health Center
Coinsurance – Claims incurred in US
For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Certificate Period Maximum
For charges incurred within the PPO or at a Student Health Center, coinsurance will be waived.
For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit
Coinsurance – Claims incurred oustide of US After the Deductible, Underwriters will pay 100% of Eligible Expenses to Certificate Period Maximum For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit
Hospital Room & Board Average Semi-private room rate, including nursing services
Local Ambulance Up to $350 per Injury / Illness if Hospitalized as Inpatient
Intensive Care Unit 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 $10,000 Maximum Lifetime
Treatment must be not obtained at a Student Health Center
Dental Treatment due to Accident
$250 Maximum per tooth
$500 Maximum per Certificate Period
Dental Treatment to alleviate pain $100 Maximum per Certificate Period
Maternity Care for a Covered Pregnancy Usual, Reasonable, and Customary Charges
Routine Nursery Care of Newborn $750 Maximum per Certificate Period $250 Maximum per Certificate Period
Therapeutic Termination of Pregnancy $500 Maximum per Certificate Period
Physical Therapy & Chiropractic Care
Maximum $50 per visit per day
Must be ordered in advance by a Physician and not obtained at a Student Health Center
Intercollegiate, interscholastic, intramural, or club sports
$5,000 Maximum per Injury / Illness
Medical Expenses only
Terrorism $50,000 Maximum Lifetime Limit, Medical Expenses Only
Benefit Period for coverage after Policy Termination Date 60 days from date of Injury or Onset of Illness if Member is Hospitalized on the Termination Date
Emergency Medical Evacuation
$300,000 (Participant)
$ 50,000 (Spouse/Child)
$250,000 (Participant)
$ 50,000 (Spouse/Child)
Emergency Reunion $2,500 Lifetime $1,000 Lifetime
Accidental Death & Dismemberment
Principal Sum
$25,000 (Participant)
$10,000 (Spouse)
$ 5,000 (Child)
No coverage
 
 
 
Repatriation of Remains $25,000 Maximum $15,000 Maximum
 
   
            All benefits are per covered individual and for covered conditions. All benefits, except Accidental Death & Dismemberment, are subject to the Deductible and Coinsurance. Limits apply to all benefits.
   
Covered Medical Expenses
           
  1. Inpatient and Outpatient charges made by a Hospital.
  2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other Medical Specialist to whom the Physician has referred the case.
  3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or Medical Specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
  4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
  5. Charges for oxygen and other gases and anesthetics and their administration.
  6. Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
  7. Charges made by a licensed Extended Care Facility upon direct transfer from an Acute Care Hospital.
  8. Emergency Local Ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization.
   
Pre-Existing Conditions
            After 12 months of continuous coverage, StudentSecureSM will provide benefits for Pre-existing Conditions. A Pre-existing Condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted.
   
Maternity & Newborn Care
            When conception occurs after the Effective Date of Coverage, StudentSecureSM provides Maternity benefits, including but not limited to pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine Nursery Care of Newborns is also covered, subject to the maximum shown in the Schedule of Benefits and Limits.
   
Organized Sports Activities
            Medical expenses for Injuries or Illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecureSM plan up to a maximum of $5,000 per Injury or Illness. Covered organized sports are: basketball, baseball, cross country, dance team, football, golf, kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and wrestling.
   
Mental Health Disorders
            StudentSecureSM provides benefits for Mental Health Disorders. Outpatient treatment is covered to a maximum of $50 per day, with a $500 Lifetime Maximum. Usual, Reasonable, and Customary expenses are covered for Inpatient treatment to a $10,000 Lifetime Maximum. Treatment for Mental Health Disorders is covered only if not obtained from a Student Health Center.
   
Emergency Dental
            The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per Certificate Period.
   
Emergency Medical Evacuation
            If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by MultiNational Underwriters®, StudentSecureSM will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.
   
Emergency Reunion
            StudentSecureSM will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:
  1. Following a covered Emergency Medical Evacuation; or
  2. You are hospitalized due to a life-threatening Injury or Illness for more than five days.

MNU must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the Inpatient hospitalization.
   
Terrorism
            StudentSecureSM provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 Lifetime Maximum, provided all of the following conditions are met:
  1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
  2. You have no direct or indirect involvement in the Act of Terrorism.
  3. The Act of Terrorism is not in a country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to your date of arrival.
  4. You have not unreasonably failed or refused to depart a country or location following the date an advisory to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact your representative for additional information about this exciting product offered by MultiNational Underwriters®.
   
Accidental Death & Dismemberment
            In the event of your Accidental Death or Dismemberment resulting from a covered Injury, StudentSecureSM will provide the following benefit:
bulletAccidental Death – Principal Sum to the Beneficiary designated on your Application
bulletLoss of Sight in both eyes or loss of two or more Limbs – Principal Sum to you
bulletLoss of Sight in one eye or loss of one Limb – One-half of the Principal Sum to you

Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and Dismemberment benefit is not available for losses resulting from an Act of Terrorism.
   
Repatriation of Remains
            In the event of a covered Injury or Illness resulting in your death, StudentSecureSM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.
   
Incidental Home country Coverage
            StudentSecureSM offers limited Home Country coverage. Medical expenses only can be covered during one incidental visit of up to 15 days. The member must return abroad, either to the Host Country or another country en route to the Host Country, no more than 15 days after the return to the Home Country in order to be eligible for this benefit. Return to the Home Country must not be taken for the purpose of obtaining treatment for an Injury or Illness that began outside of the Home Country.
   
Benefit Period
            If you are hospitalized as Inpatient on your coverage Termination Date, StudentSecureSM will provide a Benefit Period of 60 days for that condition only. The Benefit Period begins on the first date that you receive diagnosis or treatment for the condition and continues for 60 days, regardless of whether you are abroad or return to your Home Country.
   
Pre-notification Requirements
            All Hospitalizations, Surgeries, Pregnancies, Emergency Medical Evacuations, Emergency Reunions, Repatriation of Remains, Computerized Tomography (CAT Scan), and Magnetic Resonance Imaging (MRI) must be Pre-notified. Simply call, or have your Physician call, MultiNational Underwriters® with all information relative to your claim. You may also pre-notify by submitting details through Student Zone. Be sure to have your ID number available. If you do not Pre-notify, medical expenses will be reduced by 50% and all other expenses will be forfeited.
   
Exclusions
            The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:
  1. Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance during the first 12 months of coverage. A Pre-existing Condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted.
  2. Treatment for or related to any congenital condition, except for a newborn child insured under the Policy.
  3. Pre-natal, delivery, post-natal, and newborn care, unless related to a Covered Pregnancy.
  4. Birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.
  5. Substance Abuse.
  6. Charges which are not incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period.
  7. Charges for use of Emergency Room for treatment of Illness within the United States unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness.
  8. Services that are not Medically Necessary and administered or ordered by a Physician or Medical Specialist, and services that are provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans.
  9. Charges which exceed Usual, Reasonable and Customary.
  10. Investigational, Experimental or for Research purposes.
  11. Venereal Disease, AIDS or ARC.
  12. Treatment by a Chiropractor unless ordered in advance by a Physician.
  13. Physical therapy and treatment for Mental Health Disorders if treatment is obtained at a Student Health Center.
  14. Diseases of the skin.
  15. Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental treatment for the relief of acute, spontaneous and unexpected onset of pain.
  16. Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures.
  17. Immunizations and Routine Physical Exams.
  18. Expenses in excess of $5,000 for Injury or Illness sustained while taking part in intercollegiate, interscholastic, intramural, or club sports, and all expenses for any Injury or Illness sustained while taking part in any other Amateur Athletics. Amateur Athletics is defined as sports or other athletic activities that are organized and/or sanctioned, involving regular or scheduled practices and/or regular or scheduled games. This definition does not include athletic activities that are non-contact and engaged in by a Member solely for recreational, entertainment or fitness purposes and not for wage, reward or profit.
  19. Injury sustained while taking part in: professional sports; mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher; aviation, except when traveling solely as a passenger in a commercial aircraft; hang gliding, sky diving, parachuting, or bungee jumping; snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); racing by any animal or motorized vehicle; spelunking; subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury.
  20. Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse.
  21. Willfully self-inflicted Injury or Illness and/or any complications or consequences thereof.
  22. The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits.
  23. Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
  24. Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, and Emergency Reunion sections of this insurance.
  25. Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
  26. Organ or tissue transplants or related services.
  27. Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof.

This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact MultiNational Underwriters®.

   
Eligibility
            To be eligible for StudentSecureSM, Participants must meet the following requirements:
  1. 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; and
  2. Must be residing outside Home Country for the purpose of pursuing international educational activities; and
  3. Must not have obtained residency status in the Host Country.

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.

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:

  1. 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
  2. Accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and
  3. 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
  4. Have not obtained residency status in the Host Country.
   
Effective & Termination Dates
            Coverage becomes effective on the latest of:
  1. The moment we receive the application and correct premium (if application and payment is made online or by fax); or
  2. 12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail); or
  3. 12:01am US Eastern Time on the date you meet eligibility requirements.

Coverage terminates on the earliest of:

  1. 11:59pm US Eastern Time on the last day of the period for which you have paid premium; or
  2. 11:59pm US Eastern Time on the last date requested on your application; or
  3. 12:01am US Eastern Time on the date you no longer meet eligibility requirements.
   
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:
  1. A $25 cancellation fee will apply
  2. Only the unused portion of the plan cost will be refunded
  3. Only members who have no claims are eligible for premium refund
  4. After 60 days, no refunds are granted
   
Privacy Policy
            MultiNational Underwriters® respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact us or visit our website to obtain a full version of our Privacy Policy.
   
Assistance Services
            All Travel Assistance Services are available to you 24 hours a day, 7 days a week while your StudentSecureSM plan is in effect:

Pre-Trip Health and Safety Advisories - contact us for current passport, visa, inoculation and vaccine requirements as well as for up-to-date travel safety advisories.

Livetravel Services - we will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

BagTrak - we are the industry leaders in tracking lost, checked baggage. We will help you locate your lost checked baggage and deliver it to you anywhere in the world.

Emergency Message Relay - we will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

Emergency Cash Transfers - we will assist you in arranging and obtaining cash transfers anywhere in the world.

Travel Assistance Services also include:

bulletMedical referrals
bulletAssistance with prescription drug replacement
bulletDispatch of a doctor or specialist
bulletEmergency travel arrangements for family members
bulletLost passport or travel documents assistance
bulletEmbassy and consulate referrals
bulletLegal and accounting referrals
bulletBail bond assistance
bulletTranslation and interpretation assistance

StudentSecureSM Assistance Services are not insurance benefits, and provision of any Assistance Service is not a guarantee of any other benefit under StudentSecureSM.
   
Student Zone
            Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, MNU is always ready to respond.

 

Frequently, these and other issues can be addressed with a short visit to Student Zone. Student Zone is an online account management and resource tool that allows you to:

bulletChange personal information
bulletRenew coverage
bulletObtain details about claim filing, including downloading necessary forms
bulletPre-Notify for certain medical procedures and hospitalizations
bulletReplace a lost ID card
bulletLocate doctors and hospitals within the PPO Network
bulletStudy destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
bulletAccess health and wellness information
bulletView and download brochures, obtain policy information, or get quotes for other products offered by MultiNational Underwriters®

You may access Student Zone by logging in at https://zone.mnui.com/studentzone/
   
Student Relations
            At times, there is simply no substitute for human intervention. MNU’s Student Relations team is available 24 hours a day, 7 days a week to answer your questions and may be reached by students at no cost through our Worldwide 800 numbers. Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the MNU Student Relations Specialist will arrange one.
 

For more information please contact:
John K. Arnold
Managing General Agent
 International Insurance Website www.insurance-network.com
E-Mail: John K. Arnold

Phone: 407-592-0311
Fax:     407-386-7053

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