While you work on your plan to become a volunteer study abroad, you will need to make sure you have international student insurance to cover your medical expenses. HCC Medical Insurance Services (HCCMIS) offers three insurance plans to fit most budgets. StudentSecure® Select, StudentSecure® Budget, and StudentSecure® Smart offer many valuable benefits for those considering becoming an international volunteer student.
One option that many students tend to overlook when it comes to international study is volunteering abroad. By volunteering, students can earn credit, add to their resume, help make a difference in the world, and improve their foreign language skills. Students tend to only think of government programs, and don’t realize there are many options to do similar work while they are still in school. There are many summer programs, others take place during the academic year, and most offer college credit.
|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||Yes, with physicians across the U.S.|
|100% Coinsurance within the PPO network||100% of eligible injuries and illnesses are covered after the deductible by your insurance company||Yes|
|$25 per incident deductible||Your out-of-pocket expense per injury or illness is $25 USD for eligible expenses||Yes|
|Inpatient Hospitalization||If you are injured or ill and need to be hospitalized 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.|
Programs exist for every type of volunteer out there. The important thing to remember is to find a program that shares your concerns and values. Here is a quick reference list of a few volunteer programs that might appeal to you:
|Global Vision International (GVI)||GVI has volunteering trips on 6 continents with projects ranging from childcare to nature conservation.|
|Education First (EF)||EF provides you with language classes and more; you get the opportunity, along with your classmates, to help with a local community project.|
|Cross Cultural Solutions||Cross Cultural Solutions is committed to providing you with all the support you need to help those in need. You will be placed with a grassroots group devoted to local projects in a foreign country.|
|IFRE Volunteers Abroad||IFRE is present in 16 different countries and is determined to find you a project that fits all your skills and desires.|
|Global Crossroads||Global Crossroads offers affordable student volunteer opportunities in 18 countries with work in summer camps and wildlife conservatives.|
Packing for international travel is always a huge job. When you’re leaving for a volunteer study abroad program, however, you have even more to think about. What kinds of tools will you need for your work? Do you have all of your school supplies? Use our checklist to help make sure you’re prepared and ready to go!
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.