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 can lead to high out-of-pocket costs for any medical emergencies. HCC Medical Insurance Services (HCCMIS®) provides StudentSecure Select insurance specifically for those who are studying abroad and need medical insurance. Buying international student health insurance like StudentSecure Select insurance is one of the best first steps you can take to ensure that unforeseen medical expenses don't sabotage your study-abroad experience.
StudentSecure Select 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 Select is an international student insurance plan 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.
If you are planning to study abroad, there are a lot of things you must consider. You have to choose what you want to study, where you want to study it, how you want to get where you are going, and how long you want to stay. Have you considered that many student visas, colleges, and universities require you to have medical insurance while you are in school or enrolled in an educational program? In addition to filling this requirement, having international student insurance can bring you peace of mind as you continue your pursuit of knowledge in a different country.
|Monthly Payment Option||Yes: Coverage can be purchased in monthly increments.|
|International Network of Providers||Yes: Online searchable provider list with participating providers in more than 130 countries.|
|U.S. PPO Network||Yes: Online searchable provider network with providers across the U.S.|
|Covers 100% in U.S.||Yes: Eligible expenses within the PPO or at a Student Health Center are covered at 100% after the deductible; otherwise, after the deductible, 80% for the next $5,000, then 100% to the certificate maximum.|
|Covers at 100% outside the U.S||Yes: Eligible expenses incurred outside the U.S. are covered at 100% after the deductible to the certificate maximum.|
|Covers Prescription Drugs||Yes: Covered for eligible injuries and illnesses and subject to deductible and coinsurance.|
|Outpatient & Inpatient Mental Health Coverage||Yes: Treatment of mental health conditions covered.|
|Covers Maternity & Newborn Care||Yes: For pregnancy which occurs after the effective date of coverage. See the Description of Coverage for details.|
|Inpatient Hospitalization||Yes: Covered for eligible injuries and illnesses|
|Intercollegiate, interscholastic, and intramural, or club sports covered||Yes: $5,000 maximum per injury or illness for medical expenses are covered.|
|Emergency medical evacuation coverage||Yes: Participant is covered up to $300,000 for emergency medical evacuation.|
|Repatriation of Remains Covered||Yes: See the Description of Coverage for details.|
|Terrorism Coverage||Yes: $50,000 maximum lifetime limit for eligible medical expenses.|
|Accidental Death and Dismemberment Coverage||Yes: Benefit is not subject to deductible or coinsurance.|
|Insurance can also cover spouse and dependents||Yes: Restrictions apply. See eligibility requirements in the Description of Coverage for details.|
|Home Country Coverage||Yes: StudentSecure offers incidental home country coverage and a benefit period. See the Description of Coverage for details.|
|Pre-Existing Conditions Coverage||Yes: Applies after 6 months of consecutive coverage. See the Description of Coverage for details.|
|Deductible Per Incident||Yes. $25 in network, outside the U.S., or at a Student Health Center.|
At HCCMIS, we offer 24/7 Customer Assistance at our World Service Center. Your time is important to us, so we want to be able to help you in any way we can. We can help you locate a doctor, learn about safety advisories, and access other important services.
The HCCMIS Student Zone allows you to set up an online account to manage your StudentSecure Select insurance policy. Using this account, you will be able to:
If you need assistance during your international travel as a student, or if you need assistance with your application, don’t hesitate to contact us 24 hours a day, 7 days a week. We will be there with your travel, insurance, and medical needs in any language. To contact our multilingual customer support team, simply:
¹ Country limitations set by the Office of Foreign Assets Control (OFAC) of the US Department of the Treasury.
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.