You have made the decision to study abroad, and you have a lot of planning ahead of you before setting foot on a foreign campus. You may know where you are going and when, but have you considered that many countries and academic programs require you to have medical insurance? In addition to meeting these basic requirements, a good travel health insurance policy like StudentSecure Budget can help you travel with peace of mind, knowing that you are secure and covered in the event of an injury or illness.
At HCC Medical Insurance Services (HCCMIS®), we understand that studying abroad can be very expensive, which is why we offer a budget-friendly insurance plan. StudentSecure Budget is international student insurance offered by HCCMIS for students traveling to the United States to study, U.S. citizens traveling abroad to study, and non-U.S. students studying internationally in the U.S. or elsewhere. StudentSecure Budget is an international student insurance policy based on enrollment in school or full-time research hours so you can maintain coverage for the time you are enrolled in a study abroad program, enrolled in an international university, or participating in a research program overseas.
Almost everyone who is studying outside of his or her own country should have medical insurance. Most domestic insurance companies will not cover clients while traveling outside of their home country, or they have a large deductible for out of home country medical expenses. This leads to high out-of-pocket costs for any medical emergencies. HCCMIS provides StudentSecure Budget specifically for those who are studying abroad and need medical insurance. Buying international student health insurance like StudentSecure Budget is one of the best first steps you can take to help protect your assets while studying abroad!
StudentSecure Budget is an alternative to StudentSecure Select that offers many valuable benefits for those participating in an international education program including:
|StudentSecure Insurance Benefits||Description||Budget||Select|
|Monthly Payment Option||Coverage can be purchased in monthly increments.||Yes||Yes|
|International Network of Providers||Online searchable provider list with participating providers in more than 130 countries.||Yes||Yes|
|U.S. PPO Network||Online searchable provider network with physicians across the U.S.||Yes||Yes|
|Covers 100% in U.S.||Eligible expenses within the PPO or at a Student Health Center are covered at 100% after the deductible.||No||Yes|
|Covers at 100% outside the U.S||Eligible expenses incurred outside the U.S. are covered at 100% after the deductible.||Yes||Yes|
|Covers Prescription Drugs||Covered for eligible injuries and illnesses and subject to deductible and coinsurance.||Yes||Yes|
|Outpatient & Inpatient Mental Health Coverage||Treatment of mental health conditions covered.||Yes||Yes|
|Covers Maternity & Newborn Care||For pregnancy which occurs after the effective date of coverage. See the Description of Coverage for details.||Yes (80% in PPO, 60% outside PPO up to $5,000)||Yes (80% in PPO, 60% outside PPO)|
|Inpatient Hospitalization||Covered for eligible injuries and illnesses||Yes||Yes|
|Intercollegiate, interscholastic, and intramural, or club sports covered||Coverage per injury or illness for medical expenses||Yes ($3,000 maximum)||Yes ($5,000 maximum)|
|Emergency medical evacuation coverage||Emergency air or ground transportation to a hospital for medically necessary treatment.||Yes (Up to $250,000 participant)||Yes (Up to $300,000 participant; $50,000 spouse; $50,000 child)|
|Repatriation of Remains Covered||See the Description of Coverage for details.||Yes||Yes|
|Terrorism Coverage||$50,000 maximum lifetime limit for eligible medical expenses.||Yes||Yes|
|Accidental Death and Dismemberment Coverage||Benefit is not subject to deductible or coinsurance.||No||Yes|
At HCCMIS, we offer a variety of around-the-clock customer assistance services. Your time is valuable, especially while planning and enjoying an extended trip abroad. Let us help you make the most of your travel experience.
As the holder of a StudentSecure insurance policy, you will be entitled access to our excellent travel assistance services. We make it our top priority to help our customers travel with confidence, and we are prepared to help you make your trip safe and stress-free. Travel Assistance Services include:
As you plan your study abroad experience, you might need some help. Whether you require assistance with your StudentSecure insurance application, or have questions about your policy, our multilingual customer service team is available 24 hours a day, 7 days a week to keep you informed and in control.
Don’t forget to check out the HCCMIS blog for travel tips and destination guides!
Tokio Marine HCC - Medical Insurance Services Group (MIS Group) is a service company and a member of the Tokio Marine HCC group of companies. We are regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group 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 Tokio Marine HCC – International Group.