Study Abroad in College
There’s something about the college experience that can leave a student ready to take on the world. Sometimes, that can literally mean leaving home to see foreign countries and experience alien cultures. Colleges with study abroad programs allow their students to expand their education beyond the borders of the United States, and to grow as world citizens.
While you work on your plan to study abroad in college, you will need to make sure you have international student insurance to cover your medical expenses. HCC Medical Insurance Services (HCCMIS) offers two insurance plans to fit most budgets. Both StudentSecure® Select and StudentSecure® Budget offer many valuable benefits for those participating in an international education program including:
Common International Student Health Insurance Benefits
|Benefit||What it Means||StudentSecure includes?|
|Monthly Payments||Coverage can be paid for on a monthly basis||Yes|
|U.S. PPO Network||Online searchable provider network with over 400,000 physicians across the U.S.||Yes|
|100% Coinsurance within the PPO network||100% of eligible injuries and illnesses are covered after the deductible by your insurance company||Yes|
|Inpatient Hospitalization||If you are injured or ill and need hospitalization for more than 24 hours, this is considered inpatient hospitalization||Yes|
|Coverage for prescription drugs||Your prescriptions are covered by your plan||Yes|
|Coverage for maternity||Expenses related to covered pregnancy are covered by the plan||Yes. Maternity covered 80% within the PPO and 60% outside the PPO up to the coverage maximum for StudentSecure Select. Maternity covered 80% within the PPO and 60% outside the PPO up to $5,000 for StudentSecure Budget.|
Advantages of Studying Abroad in College
Many students don’t realize how many real advantages are afforded to those who study abroad. Studying at a foreign university is about more than just going to a new country and meeting new people.
1. Work On a Foreign Language- For some students, studying abroad is all about working on a foreign language, but for others language is an afterthought. Either way, learning a new language can be great for your professional career, and may open new doors for you in the future.
2. Add to Your Resume- Not only will you be able to add a foreign language to your resume, but you will also be able to add that you lived in a foreign country. By adding studying abroad to your resume, you are showing future employers that you are outgoing, driven, and willing to challenge yourself.
3. Be Independent- If you think moving away to college allowed you freedom, moving to a new country forces you to become independent in a whole new way. Studying abroad can, in many cases, mean limited communication with home, allowing you to live how you want to live.
4. Learn to Adapt- After graduation, you will be thrust into the world, and will be expected to adapt to any situation that comes your way. With a study abroad experience, you will be immersing yourself into a new culture, forcing yourself to adapt to new people and new surroundings, and preparing for the future.
5. Think Differently- Your travels will take you to a country full of people who might not view the world as you do. Studying abroad can help you to learn how other cultures think and feel about different topics, and force you to look at life through new eyes.
Preparing for Your Trip
You can never fully know what you need for a trip until you arrive at your destination, and studying abroad is no different. However, there are steps you can take to make sure you are as prepared as possible. When you are studying abroad, it is important to remember a few things, no matter where you are going:
- Medical Insurance: Having health and medical insurance will give you a little extra peace of mind while you are studying abroad. HCCMIS offers StudentSecure insurance to students who are studying abroad. With three coverage options - StudentSecure Select, StudentSecure Budget, and StudentSecure Smart - StudentSecure covers you for pre-existing medical conditions, hospital visits, and outpatient treatment.
- Spending Money: Remember you are striking out on your own in a new country. Chances are good that the program you are using or the school you are attending is providing some sort of housing for you, but you will need money for food, entertainment and emergencies. And don’t forget souvenirs!
- Transportation Passes: Depending on where you are studying, the best way to get around could very likely be public transportation. Most cities have long term passes that you can purchase, and in most cases, you can purchase these before you depart home and save money in the process.
- Research: Research the city, school, program, and people where you will be living. Learn some basic terms in the local language if necessary, and familiarize yourself with some common cuisine and etiquette before leaving. Don't forget to check out the HCCMIS blog for travel tips and destination guides!
International Student Health Insurance Options
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.