F1/J1 Insurance

Most accepted and comprehensive, yet cost effective health insurance plans for international students traveling to various universities in the United States. Meets the waiver requirements of almost 90% of US universities and provides ACA (Affordable Care Act) benefits such as Unlimited dollar coverage, pre-existing conditions without any limitations, preventive care benefits, lowest deductibles, maximum co-insurance, minimal copays, etc.

Key pointers of the Insurance provider & plans

  • Plans from a B++ (Good) rated company with 35+ years of
    experience
  • America specific insurance plans for international students
  • 4 categories of Student insurance plans::
  • Global Student Navy Plus
  • Global Student Navy
  • Global Student Security
  • Global Student Freedom

All Plans

Global Student Navy Plus

This insurance plan provides college going international students with the lowest deductible option of $50/$100 including preventive care and all other standard coverage

Key Features:
  • Unlimited Maximum Benefit
  • Unlimited Lifetime Maximum
  • UnitedHealthcare PPO Network
  • Co-Insurance 90% of Preferred Allowance
  • $50 or $100 In-Network Deductible
  • $0 Student Health Center Copay
  • $2,500 Out-of-Pocket Maximum
  • 100% Preventive Care at In-Network providers
  • Prescription Drugs at $10/$20/$40 copay
Starts at $ 112 /month
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Global Student Navy

This insurance plan provides college going international students with the lowest deductible option of $100/$500 including preventive care and all other standard coverage.

Key Features
  • Unlimited Maximum Benefit
  • Unlimited Lifetime Maximum
  • UnitedHealthcare PPO Network
  • Co-insurance 80% of Preferred Allowance
  • $100 or $500 In-Network Deductible
  • $0 Student Health Center Copay
  • $6,350 Out-of-Pocket Maximum
  • 100% Preventive Care at In-Network providers
  • Prescription Drugs at $10/$20/$40 copay
Starts at $ 80 /month
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Global Student Security

A high-end medical plan tailored for full-time international students offering the lowest Out of pocket expenses with exclusive coverage for emergent dental treatment & outpatient pharmacy bill.

Key Features
  • Sum-Insured $500,000/Injury or Illness
  • Unlimited Lifetime Maximum
  • UnitedHealthcare PPO Network
  • Co-insurance 80% of Preferred Allowance
  • $90 In-Network Deductible
  • $15 Student Health Center Copay
  • $2,000 Out-of-Pocket Maximum
  • Prescription Drugs at $10/$20/$40 copay
Starts at $ 65 /month
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Global Student Freedom

The most budget conscious insurance plan offers to meet the minimum insurance coverage required by international students traveling to various universities in the United States

Key Features
  • $500,000 Maximum Benefit
  • Unlimited Lifetime Maximum
  • UnitedHealthcare PPO Network
  • Co-insurance 100% of Preferred Allowance 
  • Unlimited Out-of-Pocket Maximum
  • $100 Per Injury Deductible
  • $0 Student Health Center Copay
  • Benefits provided pre treatment wise
Starts at $ 36 /month
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    Key Benefits

    Plans with Highest Co-insurance Coverage

    Global Student Navy plus has a
    Co-insurance coverage of 90% which
    is the highest coverage a student insurance plan can provide.

    Availability of Lowest Deductible amount

    Global Student Navy plus has a
    deductible amount of only $50
    which is the lowest amount to be
    paid by the insured

    Plans with Inter-collegiate sports coverage

    Our gambit of plans also offers plans with coverage for Inter-collegiate sports injuries at a very

    affordable cost of $2088 only.

    Trust of United Healthcare Preferred Provider network

    Our plans come with the trustworthiness of UHC PPO
    which is one of the largest
    provider networks in America

    Plans starting from only $427 annually

    We offer students with the most
    cost-effective insurance plans so that they can save money for most important thing i.e. education abroad

    Only plans with Home Country coverage

    Ours are the only plans in the marketplace with home country coverage for students to fly back
    home without any insurance concerns

    FAQ’s

    No, Secure Cover is not an insurance company. We are a tie-up partner of various insurance companies domestic & international both. We assist and guide the study abroad aspirants and international students already studying abroad in choosing the suitable insurance plans among the ones offered by our partner insurance companies.

    Please visit our About us page(link) for more info about Secure Cover.

    Secure Cover offer plans from various insurance companies but only offers specific plans to fulfil the specific needs of the students be it University specific or individual specific. So if a student is looking for US university specific plan, he will be offered an American insurance plan valid for his/her University.

    Coverage would be given at all medical providers all across the globe (in home country as well in some plans) but if an insured goes to specific medical providers which are under the network of the insurance company then insured would:

    1. Pay for medical expenses at negotiated charges
    2. Get more insurance coverage
    3. Avail direct billing claim settlement procedure

    American insurance work on a principle of cost-sharing which refers to the structure of medical coverage wherein medical expenses of the insured are shared by the insurance company and the insured. The ratio at which this cost is shared makes the insurance company liable for the major portion of the expenses. Minor portion is paid by the insured in the form deductible, co-insurance and copay.

    So, medical care is never free on the insured’s part but there are some plans with unlimited coverage where there is a limit to the share to be paid by the insured. After this limit is reached insurance covers 100% of the medical expenses. This limit is called the Out-of-pocket limit.

    Reimbursement claim procedure comes into play only when the insured gets medical services from a out-of-network or non-preferred medical provider. Insured has to follow the particular claim procedure to get the reimbursement of the amount due out of the total medical expenses.

    No, this insurance plan would not be eligible as proof for insurance for the purpose of tax refund.

    Insurance purchase process is a completely online process to be done through our website. Please follow the steps on the particular website page.

    No, refund for the paid insurance premium can only be made if the purchased insurance plan is not accepted for waiving a particular University’s insurance fees.

    All the insurance documents including the ID card can be accessed through your Member login account on www.gbg.com

    Yes, coverage for the home country can be availed in some insurance plan options. Please check the brochure carefully for the same or consult with the respective insurance representative.

    For Understanding Your Health plan in a better way

    Contact Us

    Insurance Terminologies

    Insurance can be a tricky matter if not thoroughly examined or studied. So for students taking the plan for the first time or for the ones wanting an idea about the whole insurance concept, may go through the following terminologies to help themselves.

    Secure Cover recommends consulting an insurance expert along with consuming below knowledge:

    Deductible can be considered as an initial fee paid by the insured before the insurance covers for the medical expenses. This is a fixed amount to be shell out once for the first medical treatment. For any medical treatments thereafter no deductible has to be paid. Deductible amount may range from $0 to $2,000 in different international insurance plans.

    “More the deductible amount promised to be paid by the insured less the premium for the particular insurance plan option”

    Co-insurance refers to the cost-sharing concept of international insurance whereby insured has to share his/her medical expenses with the insurance company. The portion of the share on the insured’s part is minimal and the major portion falls under the responsibility of the insurance. In most plans with unlimited maximum coverage, the standard co-insurance portion for insurance company is 80% of every medical bill and remaining 20% is to be paid by the student. Co-insurance forms the major portion of the Out-of-pocket maximum limit.

    “More the co-insurance portion for insured less the premium for the particular insurance plan option”

    Co-payment is a nominal amount paid by the insured for each consultation or treatments at particular medical providers such as physicians, urgent care, specialists, Emergency rooms among others. It is also applied to Prescription drugs in some plans. IT may range from $5 to $500 approx. depending upon the plan options.

    It is the maximum amount paid by an insured(student) from his/her pocket for all the medical expenses during an insurance period. Once the student reaches the mentioned ‘out-of-pocket maximum’ limit according to one medical bill or all the bills combined, the insurance covers 100% of the allowed amount for covered services.

    It is used in medical care both to refer to a type of patient, or to refer to a type of care.

    Inpatient simply means someone who is a patient in a hospital. An inpatient is confined to the hospital for treatment.

    Outpatient treatment refers to every other treatment except inpatient. As the patient is not confined to a hospital for a period longer than that of the consultation or treatment duration.

    Medical providers such as Physicians, Hospitals and other healthcare providers who have been contracted to provide medical care at negotiated prices. Preferred Providers are also called
    In-network providers, which refers to the providers which are in the network or system of the Insurance company or its claims administrator. For e.g. GBG insurance plans uses Aetna provider network to manage their network of medical providers in the US.

    Preferred allowance is the amount a Preferred Provider will accept as payment in full for covered medical treatment. The difference between standard medical expenses and Preferred allowance is considered as discount in the EOB(claim explanation) document.

    The fee or price the insurer determines to be Usual, customary and reasonable charges for healthcare services. The insured is responsible for the payment of any balance over and above the allowable charge. This does not apply while

    Fees and prices generally reimbursed within the locality where performed for medically necessary services and supplies required for treatment of cases of comparable severity and nature.

    Payment of medical expenses benefits is subject a lifetime aggregate maximum per individual insured person as long as plan remains in force. It includes all benefit maximums specified in this Schedule of benefits plan.

    F-1 OPT

    This is insurance is a short-term health insurance for recent foreign graduates. Most graduate students get a job where there are provided employer sponsored health insurance. For the period between post-graduation date and the start date of employer/company insurance, students may take this type of insurance plan.

    Key Pointers of the Insurance category:

    • Plan are provided from many international insurance companies.
    • Plans with customized coverage benefits can be chosen
    • OPT plans are not valid for all students on OPT*
    • Plan coverage can start from the very next day as well
    • Plans with travel coverage also available

    Get Quotes for “F1 – OPT Insurance Plans”