Studying abroad is an incredible opportunity for students to gain new knowledge of languages and cultures, and to experience new things. During the 2008-2009 academic school year, over 260,000 U.S. students left home to study in schools overseas. More and more high school students are starting to take advantage of this fantastic opportunity, and you can be one of them!
While studying abroad in high school, you will need to make sure you have international student insurance to cover your medical expenses. HCC Medical Insurance Services (HCCMIS) offers insurance plans to fit most budgets. StudentSecure® Smart, StudentSecure® Budget, StudentSecure® Select, and StudentSecure® Elite offer many valuable benefits for those participating in an international education program including:
|Benefit||What it Means||Included in StudentSecure?|
|Monthly Payments||Coverage can be paid for on a monthly basis||Yes, or upfront.|
|U.S. PPO Network||Online searchable provider network||Yes, with physicians across the U.S.|
|100% Coinsurance within the PPO network||100% of eligible injuries and illnesses are covered after the deductible||Yes, StudentSecure Elite covers 100% of eligible expenses after the deductible for both claims within the PPO network and outside the U.S. Other StudentSecure plans provide 80% coverage following the deductible.|
|$25 per incident deductible||Your out-of-pocket expense per injury or illness is $25 USD for eligible expenses||Yes, with StudentSecure Elite and Select. Outside the PPO network, this deductible is $50. For StudentSecure Budget these deductibles are $45 in network/$90 out of network, and for StudentSecure Smart they are $50 in network/$100 out of network.|
|Inpatient Hospitalization||If you are injured or ill and require hospitalization for more than 24 hours, this is considered inpatient hospitalization||Yes|
|Coverage for prescription drugs||Your prescriptions are covered by your plan||Yes, 80% coverage for StudentSecure Elite, 50% coverage for other StudentSecure plans.|
While many Americans choose to study abroad in college, there is no reason why you can’t study overseas while you’re still in high school. High school students can choose to participate in semester or yearlong study abroad programs, summer study abroad programs or gap year programs, which usually take place between the senior year of high school and freshman year of college. No matter what program you’re looking to attend, there is a program out there that fits your needs.
|Center for Cultural Interchange (CCI)||CCI sends high school students to one of 15 countries to not only study, but to help change the world. CCI incorporates a focus on social and environmental awareness into your study program.|
|Edu-Culture International (ECI)||ECI is a summer abroad program for high school students looking to learn a foreign language or improve their foreign language skills. Not only do you participate in classes and meet new people, but you will also live with a family that will fully immerse you in the language.|
|Youth For Understanding USA (YFU)||YFU is a youth exchange program designed to help you with every step of the process. YFU offers yearlong, semester and summer study abroad programs that are created to enhance your understanding of the world and increase your global conscience.|
|AYUSA||AYUSA is committed to cultural education, improved foreign language skills, and independence. With 11 countries to choose from, AYUSA offers students the chance to study in a new environment and to have a life-changing journey. AYUSA offers long-term study abroad programs, along with summer study abroad trips.|
|Council on International Educational Exchange (CIEE)||CIEE actually offers students all three choices of studying abroad. They have a program designed for students looking for a year or semester abroad, a summer abroad, or a gap year.|
|Make a Budget||Even if you don’t have a lot of experience with budgeting your money, making a budget and sticking to it is key when studying abroad. You most likely will only be taking a set amount of money with you. Take this opportunity to learn how to build a budget and stick to it!|
|Get Insurance||Your parents’ domestic insurance probably covers you at home, but once you leave the country, it’s not likely to follow you. It is important to have student health insurance that will cover you in your temporary home. HCCMIS offers StudentSecure insurance for students traveling to a foreign country. Aside from four levels of coverage to meet your budget, StudentSecure offers savings for paying the full premium in advance and covers pre-existing conditions. You can read more about StudentSecure insurance here.|
|Study the Culture||It is important to have at least a basic knowledge of the culture you are venturing into. Knowing the culture will help you blend in when you need to and be more at ease in your new home.|
|Contact Your Host Family||If your program gives you contact information, use it and get in touch with your new family. Introduce yourself and allow them to introduce themselves. If you know a little bit about each other, the whole process will be much easier. Your host family might even be able to help make your preparations easier! Don't forget to check out the HCCMIS blog for travel tips and destination guides!|
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.