VisitorSecure from HCC Medical Insurance Services
What is VisitorSecureSM?
Individuals from around the globe live and work in the US. While traditional domestic plans are available to permanent residents, family, friends and others who visit these individuals often need insurance protection while they are in the US. VisitorSecureSM is designed to protect these international visitors. The plan also provides an additional, economical option for US citizens traveling abroad. VisitorSecureSM provides quality insurance at a price that does not break the bank. It provides both inpatient and outpatient hospital benefits and many other valuable emergency travel features, giving you protection you can rely on. Whether you are looking for coverage for one individual or a group of family members, VisitorSecureSM has the features you need. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Common Carrier AD&D. In addition, the plan offers a choice of deductibles and coverage options assuring that the plan will meet almost any budget.
Home Country Coverage
VisitorSecureSM is designed to cover you during a single trip outside of your Home Country. Coverage will end upon return to your Home Country. Contact us for other plan options providing Home Country coverage and/or allowing visits to your Home Country without terminating coverage.
To be eligible for VisitorSecureSM, you must be traveling outside of your Home Country and be at least 14 days of age. US citizens must be traveling outside of the US in order to be eligible. For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.
Home Country – For US Citizens, Home Country is the United States of America, regardless of the location of the Member’s Principal Residence. For non-US Citizens, Home Country is the country where the Member principally resides and receives regular mail. For non-US citizens listed as a Spouse or Child on an Application, Home Country will be the same as that of the Primary Applicant.
Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan. If an individual reaches age 70 while covered under the plan, the Deductible changes to $200 as of the date of the 70th birthday. Overall Policy Maximums and other benefit limits, as applicable, reduce in accordance with the Schedule of Benefits on the dates of the 70th and 80th birthdays if those dates occur while an individual is covered under the plan.
Certificate Effective & Termination Dates
Insurance hereunder is effective for a Member on the later of:
- the moment HCCMIS receives Application and correct premium if Application and payment is made online or by fax
- 12:01am* on the date HCCMIS receives Application and correct premium if Application and payment is made by mail
- the moment the Member departs from his or her Home Country
- 12:01am* on the date requested on the Application
Insurance hereunder terminates for a Member on the earlier of:
- 12:01am* on the last day of the period for which premium has been paid
- 12:01am* on the date requested on the Application
- the moment of the Member’s arrival upon return to his or her Home Country
*Times expressed above are based on US Eastern Time
Extending / Renewing
After your initial purchase, you may extend your coverage up to a maximum of 12 months from the initial effective date. You may renew your coverage for an additional year as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 30 days of your first Certificate Period. For an ongoing condition, the Deductible must be re-satisfied as of the renewal date. After 2 years of continuous coverage or any break in coverage, a new plan must be purchased. A new Application is required and you must re-satisfy your Deductible, Pre-existing Condition provisions, and all other benefit limits.
Extensions and renewals must be made online with payment by credit card.
To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date will be subject to the following conditions:
- A $25 cancellation fee will apply
- Only the unused portion of the plan cost will be refunded
- Only members who have no claims are eligible for premium refund
About the Plan Administrator
HCC Medical Insurance Services (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. You will find our service team to be prompt, compassionate, and highly professional. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of more than $8.0 billion, shareholders’ equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.
About the Insurer
Lloyd’s, the largest and oldest insurance market in the world, is the insurer of VisitorSecureSM. Rated ‘A’ (Excellent) by AM Best Company and ‘A’ (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well-known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.
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.