StudentSecure^®
International Student Health Insurance Coverage for Study Abroad

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International Student Health Insurance
Plan Benefits, Limitations, Exclusions

Student Zone & World Service Center

Affordable International Student Health Insurance Coverage

If you are a student or scholar planning to study abroad and pursue your education outside your home country, international student health insurance should be part of that plan. Most student visas and learning institutions require foreign visitors be covered by a comprehensive health insurance policy. You may also find that coverage from your home country will not follow you while you are studying abroad. HCC Medical Insurance Services (HCCMIS) offers StudentSecure^® as an affordable solution.

HCCMIS takes the guesswork out of student travel health insurance for individuals in study abroad programs with StudentSecure^®, a plan designed specifically to meet the needs of international students and scholars. StudentSecure^® is worldwide student insurance coverage that travels with you and meets or exceeds most international and domestic government student visa requirements. Whether you are looking for individual coverage or coverage for your entire family, StudentSecure^® has the features you need. Two levels of coverage: Select and Budget options, ensure that you can find the appropriate international student insurance plan whether you are on a budget or looking for more comprehensive health insurance coverage. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Acts of Terrorism.

Full-time Student: A student at a college or university who is taking 10 credit hours (undergraduate students) or 6 credit hours (graduate students). Full-time Student status for individuals enrolled at colleges or universities that do not use a credit hour system must provide documentation of Full-time Student status.

Full-time Scholar: An individual who is affiliated with an educational institution and is engaging in educational activities for at least 30 hours per week. These activities may include but not be limited to performing research in an area of specialty or teaching for a temporary period of time.

HCCMIS also offers a variety of valuable Travel Assistance Services, available around the clock. These services help you locate a doctor, learn about safety advisories and access other important services. HCCMIS is there to support you throughout your study abroad program as you adjust to your new surroundings.

To help meet your international student travel insurance needs, we offer two plan options: StudentSecure^® Select and StudentSecure^® Budget.

FAQs StudentSecure^®: Budget & Select Plans

More Frequently Asked Questions & Definitions

StudentSecure^® Plan Benefits, Limitations, Exclusions and Optional Benefits

	StudentSecure^® Select Our Most Comprehensive Coverage Starting at $50/Month	StudentSecure^® Budget Our Most Affordable Coverage Starting at $33/Month
Benefit¹	Option 1 Limits	Option 2 Limits
Certified Period Maximum (including all benefits)	$300,000 (Participant) $50,000 (Spouse) $50,000 (Child)	$250,000 (Participant) $50,000 (Spouse) $50,000 (Child)
Maximum Benefit per Injury or Illness	$300,000 (Participant) $50,000 (Spouse) $50,000 (Child)	$250,000 (Participant) $50,000 (Spouse) $50,000 (Child)
Deductibles	$100 per Injury or Illness Reduced to $50 if treatment is from Student Health Center per Certificate Period
Coinsurance - Claims incurred in US or Canada	For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Certificate Period Maximum. Coinsurance will be waived if Eligible Expenses are incurred within the PPO or at a Student Health Center	For the Certificate Period, Underwriters will pay 80% of the next $10,000 of Eligible Expenses after the Deductible, then 100% to the Certificate Period Maximum
Coinsurance - Claims incurred outside US or Canada	For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Certificate Period Maximum	For the Certificate Period, Underwriters will pay 18% of the next $10,000 of Eligible Expenses after the Deductible, then 100% to the Certificate Period Maximum
Hospital Room and Board	Average Semi-private room rate, including nursing services
Local Ambulance	$350 per Injury or Illness, when covered Illness or Injury results in Inpatient hospitalization
Intensive Care Unit	Usual, Reasonable and Customary charges
Hospital Pre-certification Penalty	50% of Eligible Medical Expenses
Outpatient Treatment	Usual, Reasonable and Customary charges
Outpatient Prescription Drugs	50% of Actual Charges
Mental Health Disorders	Outpatient: $50 Maximum per day, $500 Maximum Lifetime Inpatient: Usual, Reasonable, and Customary Charges to $10,000 Maximum Lifetime Treatment must not be provided at a Student Health Center
Maternity Care for a Covered Pregnancy	Usual, Reasonable and Customary charges
Routine Nursery Care of Newborn	$750 Maximum per Certificate Period	$250 Maximum per Certificate Period
Therapeutic Termination of Pregnancy	$500 Maximum per Certificate Period
Physical Therapy & Chiropractic Care	Maximum $50 per visit, per day Must be ordered in advance by a Physician and not obtained at a Student Health Center
Intercollegiate, Interscholastic, Intramural, or Club Sports	$5,000 Maximum per Injury or Illness Medical expenses only
All Other Eligible Medical Expenses	Usual, Reasonable and Customary charges
Dental Treatment Due to Accident	$250 Maximum per Tooth $500 Maximum per Certificate Period
Dental Treatment to Alleviate Pain	$100 Maximum per Certificate Period (not subject to Deductible or Coinsurance)
Emergency Medical Evacuation	$300,000 Participant Maximum Lifetime $50,000 Spouse Maximum Lifetime $50,000 Child Maximum Lifetime (not subject to Deductible or Coinsurance)	$250,000 Participant Maximum Lifetime $50,000 Spouse Maximum Lifetime $50,000 Child Maximum Lifetime (not subject to Deductible or Coinsurance)
Repatriation of Remains	$25,000 Maximum (not subject to Deductible or Coinsurance)	$15,000 Maximum (not subject to Deductible or Coinsurance)
Emergency Reunion	$2,500 Lifetime Maximum (not subject to Deductible or Coinsurance)	$1,000 Lifetime Maximum (subject to a maximum of 15 days, not subject to Deductible or Coinsurance)
Terrorism	$50,000 Maximum Lifetime Limit, Eligible Medical Expenses Only
Accidental Death & Dismemberment	Principal Sum (Lifetime Maximum): $25,000 Participant $10,000 Spouse $5,000 Child Death – Principal Sum Loss of 2 Limbs – Principal Sum Loss of 1 Limb – One half Principal Sum Not subject to Deductible or Coinsurance	No Coverage

StudentSecure^® Plan Exclusions³:
The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:

Pre-existing Conditions – Charges resulting directly or indirectly from an Pre-existing Condition, as herein defined, are excluded from this insurance during the first 12 months of coverage. A Pre-existing Condition is: Any (1) condition for which medical advice, diagnosis, care or treatment (includes receiving services, supplies, consultation, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the Certificate Effective Date; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis care, or treatment (includes receiving services and supplies, consultation, diagnostic tests or prescription medicines) within the 12 months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the Certificate Effective Date.
Coverage Area – For all non-US citizens electing the Coverage Area "Excluding the US" and for all US citizens or residents, no coverage is provided within the United States, except for US citizens or residents during an eligible Incidental Home Country visit or an eligible Benefit Period.
Treatment for or related to any congenital condition, except for a newborn child insured under the Policy.
Pre-natal, delivery, post-natal, and newborn care, unless related to a Covered Pregnancy.
Birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.
Substance Abuse.
Charges which are not incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period.
Charges for use of Emergency Room for treatment of Illness within the United States unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness.
Services that are not Medically Necessary and administered or ordered by a Physician or Medical Specialist, and services that are provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans.
Charges which exceed Usual, Reasonable and Customary.
Investigational, Experimental or for Research purposes.
Venereal disease and treatment of individuals who are HIV+ or have AIDS or ARC.
Treatment by a Chiropractor unless ordered in advance by a Physician.
Physical therapy and treatment for Mental Health Disorders if treatment is obtained at a Student Health Center.
Diseases of the skin.
Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental treatment for the relief of acute, spontaneous and unexpected onset of pain.
Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures.
Immunizations and Routine Physical Exams.
Expenses in excess of $5,000 for Injury or Illness sustained while taking part in intercollegiate, interscholastic, intramural, or club sports, and all expenses for any Injury or Illness sustained while taking part in any other Amateur Athletics. Amateur Athletics is defined as sports or other athletic activities that are organized and/or sanctioned, involving regular or scheduled practices and/or regular or scheduled games. This definition does not include athletic activities that are non-contact and engaged in by a Member solely for recreational, entertainment or fitness purposes and not for wage, reward or profit.
Injury sustained while taking part in: professional sports; mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher; aviation, except when traveling solely as a passenger in a commercial aircraft; hang gliding, sky diving, parachuting, or bungee jumping; snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); racing by any animal or motorized vehicle; spelunking; subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury.
Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse.
Willfully self-inflicted Injury or Illness and/or any complications or consequences thereof.
The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits.
Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, and Emergency Reunion sections of this insurance.
Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
Organ or tissue transplants or related services.
Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof.

HCCMIS's Student Zone and World Service Center

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, HCCMIS is ready to respond. Frequently, these and other issues can be addressed with a short visit to Student Zone. Student Zone is an online account management and resource tool that allows you to:

Change personal information
Renew coverage
Obtain details about claim filing, including downloading necessary forms
Pre-certify for certain medical procedures and hospitalizations
Replace a lost ID card
Locate doctors and hospitals within the PPO Network
Study destination, weather and travel security information using our Travel Board
Access health and wellness information
View and download brochures, obtain policy information, or get quotes for other products offered by HCCMIS

You may access Student Zone by logging in at https://zone.hccmis.com/studentzone/.

HCCMIS's Client Zone and World Service Center

Want to know how to extend or renew your coverage?
Want to know how to cancel your coverage?

StudentSecure^® Complimentary Travel Assistance Services³

* The claims examples provided above are based on actual international health insurance claims handled by HCCMIS. Coverage for similar international health insurance claims is not to be inferred from the above examples, as all claims are determined to be eligible/ineligible based on the applicable international health insurance policy and the facts and circumstances of each claim.

¹ Times expressed above are based on US Eastern Time.
² All benefits are per covered individual and for covered conditions. All benefits are subject to the Deductible and Coinsurance unless specifically indicated otherwise. Limits apply to all benefits.
³ This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact HCC Medical Insurance Services, LLC.

StudentSecure®International Student Health Insurance Coverage for Study Abroad

Affordable International Student Health Insurance Coverage

FAQs StudentSecure®: Budget & Select Plans

StudentSecure® Plan Benefits, Limitations, Exclusions and Optional Benefits