StudentSecure Travel Insurance Exclusions
Student Travel Insurance
If you are a student planning on traveling to pursue your education outside your home country, health insurance is a necessity. Most student visas and learning institutions require visiting foreign students be covered by a comprehensive health insurance policy. You may also find that the coverage from your home country will not follow you while you are studying abroad. HCC Medical Insurance Services (HCCMIS) offers StudentSecureSM as the affordable solution.
HCCMIS takes the guesswork out of insurance for individuals in study abroad programs with StudentSecureSM, a plan designed specifically to meet the needs of international students. HCCMIS's StudentSecureSM is the program that travels with you and meets or exceeds US government student visa requirements. Whether you are looking for individual coverage or coverage for your entire family, StudentSecureSM has all the features you need. Two levels of coverage, Select and Budget options, ensure that you can find the ideal plan. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Acts of Terrorism.
HCC also offers a variety of valuable Assistance Services, available around the clock. These services help you locate a doctor, learn about safety advisories and access other important services. HCC Medical Insurance Services is there to support you throughout your study abroad program as you adjust to your new surroundings.
International Insurance Solutions
HCC Medical Insurance Services, headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of international travelers. We benefit from the experience of a corporate group that protects over 6 million travelers a year. Our international medical professionals, claims analysts, and student assistance specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional.
Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, HCCMIS is always 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-Notify 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 Intelligence and Planning System (TIPS)
- Access health and wellness information
- View and download brochures, obtain policy information, or get quotes for other products offered by HCC Medical Insurance Services
At times, there is simply no substitute for human intervention. HCCMISs Student Relations team is available 24 hours a day, 7 days a week to answer your questions and may be reached by students at no cost through our Worldwide 800 numbers. Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the HCCMIS Student Relations Specialist will arrange one.
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.