WorldTrips (Tokio Marine HCC) 立即申请
WorldTrips StudentSecure
Four-tier student plan from Tokio Marine HCC — $0 deductible across all tiers, J-1 visa compliant from $32/month
起 $32–181
~¥243/月 ✓ 符合签证要求
up to 64 年龄限制
最后更新: April 27, 2026
选择您的计划
可用计划
比较保障等级，选择适合您的计划。
Premium
StudentSecure Elite
起 $181 /月
- 免赔额: $0 per injury/illness
- 心理健康: Up to 40 outpatient visits; 40 inpatient days
保障对比
比较计划保障
逐项查看各计划的保障内容。
| 功能 | StudentSecure Smart | StudentSecure Budget | StudentSecure Select | Premium StudentSecure Elite |
|---|---|---|---|---|
| 基本保障 | ||||
| 门诊治疗 | 不涵盖 | 不涵盖 | 不涵盖 | 不涵盖 |
| 住院治疗 | 不涵盖 | 不涵盖 | 不涵盖 | 不涵盖 |
| 药品 | 不涵盖 | 不涵盖 | 不涵盖 | 不涵盖 |
| 免赔额/自付 | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness | $0 per injury/illness |
| 牙科与视力 | ||||
| 牙科护理 | 不涵盖 | 不涵盖 | 不涵盖 | 不涵盖 |
| 牙科预算 | 不涵盖 | 不涵盖 | 不涵盖 | 不涵盖 |
| 视力 | 不涵盖 | 不涵盖 | 不涵盖 | 不涵盖 |
| 附加保障 | ||||
| 心理健康 | 不涵盖 | 不涵盖 | 不涵盖 | Up to 40 outpatient visits; 40 inpatient days |
| 孕产保障 | 不涵盖 | 不涵盖 | 不涵盖 | 不涵盖 |
| 远程医疗 | | | | |
| 遣返 | Not included | $25,000 | $50,000 | $50,000 |
| 符合签证要求 | | | | |
| 申请StudentSecure Smart → | 申请StudentSecure Budget → | 申请StudentSecure Select → | 申请StudentSecure Elite → | |
StudentSecure Smart
StudentSecure Budget
StudentSecure Select
StudentSecure Elite Premium
基本保障
门诊治疗
不涵盖
不涵盖
不涵盖
不涵盖
住院治疗
不涵盖
不涵盖
不涵盖
不涵盖
药品
不涵盖
不涵盖
不涵盖
不涵盖
免赔额/自付
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
$0 per injury/illness
牙科与视力
牙科护理
不涵盖
不涵盖
不涵盖
不涵盖
牙科预算
不涵盖
不涵盖
不涵盖
不涵盖
视力
不涵盖
不涵盖
不涵盖
不涵盖
附加保障
心理健康
不涵盖
不涵盖
不涵盖
Up to 40 outpatient visits; 40 inpatient days
孕产保障
不涵盖
不涵盖
不涵盖
不涵盖
远程医疗
遣返
Not included
$25,000
$50,000
$50,000
符合签证要求
保障内容
保障与福利详情。
已涵盖
$0 deductible across all four tiers — rare in the U.S. student market
Backed by Tokio Marine HCC, one of the largest specialty insurers globally
Smart tier starts at $32/month — among the cheapest J-1-compliant plans
Elite tier offers $5M maximum and full benefits including mental health, dental, prescriptions
Renewable up to 4 years — covers full undergraduate or graduate program
不涵盖
Smart tier excludes pre-existing conditions entirely — only acute onset covered
Cannot add dependents (spouse, children) — single coverage only
Smart tier $200,000 maximum may not satisfy strict university waiver criteria
U.S. healthcare costs can quickly exceed lower-tier limits in serious cases
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段 月保费
满足保险义务
常见问题
关于 WorldTrips StudentSecure 的常见问题
For most full-time U.S. graduate students staying 12 months, Select ($106/month) is the sweet spot — $1M coverage, 6-month pre-existing waiting period, $300K evacuation. Budget ($53) works for healthier students on a tight budget. Smart ($32) is for short stays only — its $200K max may not meet strict universities. Elite ($181) is for those needing maximum protection or with university requirements above $1M.
WorldTrips designed StudentSecure with zero deductible to compete on simplicity — you don't pay anything upfront before insurance kicks in (other than copays). This is unusual for U.S. plans and helps students predict costs more easily.
Universities require minimum coverage that varies by school. Smart ($200K max) often does NOT meet waiver requirements. Budget ($500K), Select ($1M) and Elite ($5M) typically do. Always check your school's specific waiver criteria — and remember WorldTrips will provide a waiver form on request.
No. StudentSecure does not allow dependents. If you need spouse or family coverage, look at IMG Patriot Exchange or ISO instead — both let dependents apply independently.
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