Secure Lite STM
Anytime you are without insurance, you are running a risk. You may not have a health problem now, but insurance is for the unexpected. Secure Lite STM allows you and your family up to age 65 to purchase affordable short-term medical coverage for physician services, surgery, outpatient and inpatient care for a temporary period.
- $25 per doctor office visit (up to 4 visits per coverage period)
- Choose any doctor or hospital
- Choice of $500, $1,000, $2,500, and $5,000 deductibles
- Accept payment by: check, money order, MasterCard, Visa,
Discover or automatic monthly bank draft
When life leaves you temporarily uninsured, the Secure Lite medical insurance plan helps protect you in the
meantime. Secure Lite offers short-term coverage with affordable premium achieved through carefully selected
benefit limitations. Coverage is available for 30 to 364 days.
While the need for short-term coverage may be anticipated after college graduation, there are employment
or life changes that also present the need for temporary medical insurance.
Often, an employer-sponsored plan includes a waiting period before health insurance benefits
begin, which means you will need coverage to bridge the gap.
If you’ve recently been laid off or let go from your job, you may need coverage until you secure another
position with benefits.
Return from active military duty
Once you arrive home from active duty, Secure Lite provides coverage while you transition and look
for employment with benefits.
Payments to suit your situation
Secure Lite offers two options for premium payment: monthly or single. Payments may be made using check, money order, credit card or automatic bank withdrawal. If your need for coverage ends earlier than expected, simply send written notification. Monthly payment is available for up to 364 days.
If you know exactly how many days you need coverage, you can pay the entire premium up front at a reduced rate. Single payments can be made for a minimum of 30 days to a maximum of 180 days.
Pre-existing condition limitation
Secure Lite will not provide benefits for any loss caused by or resulting from a pre-existing condition. A pre-existing condition is any medical condition or sickness for which medical advice, care, diagnosis, treatment, consultation or medication was recommended or received from a doctor within five years immediately preceding the covered person’s effective date of coverage; or symptoms within the five years immediately prior to the coverage that would cause a reasonable person to seek diagnosis, care or treatment. The length of the pre-existing time period
varies by state.
Coverage begins as early as the day following your online application submission or the postmark date stamped on your envelope. You may request a later effective date up to 60 days after the application date.
All coverage is subject to approval and payment of the first premium.
Right to return period
If you are not completely satisfied with this coverage and have not filed a claim, you may return the Policy/Certificate of Insurance within 10 days from the date received and receive a premium refund.
Secure Lite is specifically designed to fill a temporary insurance need. Coverage stops at the end of the period for which you apply. Depending on the payment option you select, coverage can continue for 30 to 364 days.
Coverage ends on the earlier of the date: the premium is not paid when due; you enter full-time active duty in the armed forces; Standard Security Life Insurance Company of New York determines fraud or misrepresentation has been made in filing a claim for benefits. A dependent’s coverage ends on the earlier of the date: your coverage terminates; the dependent become eligible for Medicare; or the dependent ceases to be eligible. Additional events or circumstances may cause coverage to terminate; refer to the Policy/Certificate of Insurance for complete details.