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Pursuing your education outside your home country? Take StudentSecure insurance from HCC Medical Insurance Services (HCCMIS) with you.
Do I need study abroad insurance? If you are a student or scholar 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 fi nd that the coverage from your home country will not follow you while you are studying abroad. HCC Medical Insurance Services (HCCMIS) off ers StudentSecure as an aff ordable solution.
HCCMIS takes the guesswork out of insurance for individuals in study abroad programs with StudentSecure, a plan designed specifi cally to meet the needs of international students and scholars. HCCMIS’s StudentSecure is the program that travels with you and meets or exceeds U.S. government student visa requirements.
The four levels of coverage – Elite, Select, Budget and Smart – ensure that you can fi nd the appropriate plan. Each plan includes coverage for medical expenses, emergency medical evacuation, and repatriation of remains.
After purchasing coverage,
how can I trust the company to be there if I need them?
HCC Medical Insurance Services LLC (HCCMIS), headquartered in the United States in Indianapolis, Indiana, is a full-service company off ering international medical insurance and short- term medical insurance products designed to meet needs of consumers worldwide. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading Specialty Insurance group. HCC’s major companies have a fi nancial strength rating of AA (Very Strong) by Standard & Poor’s and Fitch Ratings and A+ (Superior) by A.M. Best Company.
For more information about StudentSecure, please visit hccmis.com
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Did You Consider This?
Car Accident
Converting kilometers to miles can be hard, but a speed limit is a
speed limit. Car accident $120,599*
*This amount is an example of an actual claim handled by HCCMIS. Coverage for similar claims is not to be inferred as all claims are unique.
VisitorsCoverage Inc. 2350 Mission College Blvd. Suite #1140 Santa Clara, CA 95054 Phone: 408-737-2538 Fax: 408-737-2555 E-mail: insurance@VisitorsCoverage.com
Pre-existing Conditions
After 6 months of continuous coverage, StudentSecure Elite and StudentSecure Select will provide benefi ts for pre- existing conditions (12 months for StudentSecure Budget). A pre-existing condition is generally defi ned as any injury or illness which, within the 12 months prior to the eff ective date of coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a physician was consulted. Please refer to the certifi cate of insurance for the complete defi nition.
Acute Onset of a Pre-existing Condition
Individuals who purchase StudentSecure Smart are entitled to a $25,000 lifetime maximum for the acute onset of a pre- existing condition. The acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The acute onset of a pre-existing condition must occur after the eff ective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. All other expenses related to pre-existing conditions are not covered with StudentSecure Smart
Organized Sports Activities
Medical expenses for injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure plan up to a maximum of $5,000 per Injury or Illness on StudentSecure Elite and Select and up to $3,000 per injury or illness on StudentSecure Budget. StudentSecure Smart does not provide coverage for organized sports activities.
Mental Health Disorders
StudentSecure Elite, Select and Budget provide benefi ts for mental health disorders including the treatment of substance abuse. Drug and alcohol abuse are covered under the mental health disorders benefi t. 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 certifi cate period maximum; and emergency dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefi t of $100 per certifi cate period. Emergency Dental benefi ts are available on the Elite, Select and Budget plans only.
Emergency Medical Evacuation
Would you know what to do if you found yourself in a lifethreatening situation far from home? HCCMIS is experienced in arranging emergency medical evacuations. StudentSecure will cover the necessary expenses to transport you to the nearest medical facility qualifi ed to treat your life- threatening condition. We also understand the importance of family support in these diffi cult situations. StudentSecure will also cover the transportation, lodging, and meal costs for a relative to join you after an emergency medical evacuation up to the lifetime limit.
Terrorism
In these turbulent times, the risk of a terrorist attack is a reality. If you are in the wrong place at the wrong time, StudentSecure off ers coverage for medical expenses resulting from these acts.
Repatriation of Remains
The death of a loved one is never easy, no matter the circumstances. In the unfortunate event of your death while traveling abroad, StudentSecure will arrange for and cover the costs associated with the repatriation of your remains.
