StudentSecure® Smart Insurance

Traveling and studying abroad is one of the greatest experiences of a person’s life. Meeting new people, experiencing new cultures, great educational opportunities, and seeing new sites are just a few of the great opportunities that come with studying abroad. However, this is one thing that some students tend to overlook: insurance.

You may not be aware of this, but your domestic insurance will most likely not travel with you, which means if you get sick or are in an accident you will not be covered. That’s why HCC Medical Insurance Services (HCCMIS®) offers StudentSecure Smart, a great insurance plan for students with a budget.

StudentSecure study abroad insurance


International student insurance with a customized payment plan.



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StudentSecure Smart

When you study abroad, there is a great chance that you are studying with a tight budget, which means that you probably have to watch what you spend your money on pretty closely. StudentSecure Smart is a plan that is designed to provide you with just the right amount of coverage while not breaking your bank account. There is no reason to spend all of your money on insurance and not have enough to do all of the things you enjoy, but that does not mean you should go without insurance. Instead, compromise and purchase a StudentSecure Smart plan that comes with great coverage:

Coverage Benefits

  • A $200,000 maximum
  • Average semi-private hospital room
  • Physical therapy and chiropractic care
  • And much more!

If you are planning on studying abroad, then be sure you check out study abroad insurance that will help keep you protected in the event of illness or an accident. Medical bills can be quite costly in foreign countries and bills can stack up quickly, so keep yourself covered.

Living in a foreign country while you study can be expensive. When you consider your expenses like school, living, food, and travel, your bills can quickly add up. Here are a few money saving tips that can help keep you from spending all of your money:

Save Money

  • Stay in hostels. If you decide to travel anywhere else while you are studying abroad, you should consider staying in a youth hostel. Hostels are usually much cheaper than a hotel. Just make sure you do research and find a nice one.
  • Shop at local markets. Many cities across the world have markets where fresh produce and other food products can be purchased. Sometimes these markets are much cheaper than your other options.
  • Know exchange rates and fees. When you travel abroad you need to know and understand the exchange rates of one currency to the next .You also need to understand that your domestic bank will probably charge you for using a debit card or ATM machine in a foreign country.
  • Use a credit card. As a student, you have probably been advised not to use your credit card, unless it is an emergency. However, most credit cards do not charge you a service fee when you use them in a foreign country. In this case, using your credit card might make the most sense. Just keep your spending in check.
  • Open a bank account. If you are studying abroad for an extended period of time, then you might want to consider opening bank accounts in your host country to avoid multiple service fees.
  • Make a budget. But, more than just make a budget, stick to your budget. You know how much money you have and you will know some of your expenses, so make a budget and do your best to stick to it.

What To Expect

Studying abroad means new experiences and new adventures, but since everything will be new you need to know what to really expect. You most likely have some grand vision of what your study abroad experience is going to be, but you need to know the reality of the experience:

  • Studying still happens. No matter where you are going, you are still going there to study and most of the people you will meet are also going to be there to study. Just remember that it is a study abroad experience, not just a travel abroad experience.
  • Not every weekend is some big trip or adventure. Yes, you will most likely be doing some traveling to other cities or maybe even other countries, but do not expect every weekend to be like that. In fact, there may be weekends where you have nothing to do at all.
  • New cultures can be intimidating. Your new temporary home is most likely going to be drastically different. New customs, new people, new language, and new traditions mean you are in for a whole new world. Just do your best to participate and really engage in the world around you.
  • You will eventually miss something about home. You may be going into your study abroad experience thinking that you will not miss anything about home or get homesick at all. However, the reality of the matter is almost every student eventually misses something; whether it is a food item or a friend, something will eventually cause you to miss home.

Studying abroad is a great experience for anyone; just remember that you need to consider purchasing insurance to help keep yourself protected. And remember to have fun and enjoy your time abroad!

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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.