If you are a student or scholar 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 StudentSecure^SM as an affordable solution.

HCCMIS takes the guesswork out of insurance for individuals in study abroad programs with StudentSecure^SM, a plan designed specifically to meet the needs of international students and scholars. HCCMIS’s StudentSecure^SM 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, StudentSecure^SM has all the features you need. Two levels of coverage, Select and Budget options, ensure that you can find the appropriate plan. Each plan includes coverage for Medical Expenses, Emergency Medical Evacuation, and Acts of Terrorism.

HCCMIS also offers a variety of valuable Travel and Medical 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.

Who is the Plan Administrator?
HCC Medical Insurance Services, LLC (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 service representatives 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. HCCMIS is a wholly-owned subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading international specialty insurance group headquartered in Houston, Texas. HCC has assets of $8.8 billion, shareholders’ equity of $3.0 billion and is rated ‘AA (Very Strong)’ by Standard & Poor’s and ‘AA (Very Strong)’ by Fitch Ratings. In addition, HCC’s major domestic insurance companies are rated ‘A+ (Superior)’ by A.M. Best Company.

HCC Medical Insurance Services – International Insurance Solutions

HCC Medical Insurance Services (HCCMIS) is a leading innovator in the international medical insurance industry. HCCMIS has designed a complete portfolio of quality international medical and life insurance products to protect individuals, corporations, missionaries, students, and organizations during their international activities. HCCMIS is backed by the solid financial security of its parent company, HCC Insurance Holdings, Inc. (HCC).

You have choices when buying international medical insurance and travel assistance services for your next trip abroad. Doesn’t it make sense to work with a company with proven integrity and resilience? HCCMIS is committed to providing exceptional service and innovative insurance products to its consumers worldwide. HCCMIS has a strong foundation, built around a loyal customer-base and worldwide network of distributors, which has not only withstood during tumultuous times, but has gotten stronger.

A Trustworthy Insurer

StudentSecure^SM is insured by Syndicate 4141 at Lloyd’s, London. Lloyd’s is the largest and oldest insurance market in the world and is rated ‘A (Excellent)’ by A.M. Best Company and 'A+ (Strong)’ by Standard & 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.

Schedule of Benefits and Limits

All benefits are per covered individual and for covered conditions. All benefits are subject to the Deductible and Coinsurance unless otherwise indicated. Limits apply to all benefits.

Covered Medical Expenses

1. Inpatient and Outpatient charges made by a Hospital.
2. Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other Medical Specialist to whom the Physician has referred the case.
3. Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or Medical Specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home.
4. Charges for diagnostic testing using radiology, ultrasonographic or laboratory services.
5. Charges for oxygen and other gases and anesthetics and their administration.
6. Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
7. Charges made by a licensed Extended Care Facility upon direct transfer from an Acute Care Hospital.
8. Emergency Local Ambulance transport incurred in connection with Injury or Illness resulting in Inpatient hospitalization.

Pre-Existing Conditions

After 12 months of continuous coverage, StudentSecure^SM will provide benefits for Pre-existing Conditions. A Pre-existing Condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted. Please refer to the Certificate of Insurance for a complete definition of Pre-existing Condition.

Maternity & Newborn Care

When conception occurs after the Effective Date of Coverage, StudentSecure^SM provides Maternity benefits, including but not limited to pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Routine Nursery Care of Newborns is also covered, subject to the maximum shown in the Schedule of Benefits and Limits.

Organized Sports Activities

Medical expenses for Injuries or Illnesses sustained while participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure^SM plan up to a maximum of $5,000 per Injury or Illness. Covered organized sports are: basketball, baseball, cross country, dance team, football, golf, kickball, soccer, softball, swimming, tennis, track, volleyball, weight training, and wrestling.

Mental Health Disorders

StudentSecure^SM provides benefits for Mental Health Disorders. Outpatient treatment is covered to a maximum of $50 per day, with a $500 Lifetime Maximum. Usual, Reasonable, and Customary expenses are covered for Inpatient treatment to a $10,000 Lifetime Maximum. Treatment for Mental Health Disorders is covered only if not obtained from a Student Health Center.

Emergency Dental

The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under this insurance subject to a maximum of $250 per tooth and $500 Certificate Period Maximum; and Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100 per Certificate Period.

Emergency Medical Evacuation

If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS, StudentSecure^SM will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

Emergency Reunion

StudentSecure^SM will provide benefits, up to the maximum indicated in the Schedule of Benefits and Limits, for the cost of an economy round-trip air and/or ground transportation ticket for one of your relatives (parent, spouse, sibling or child age 18 or older) for transportation to the area where you are hospitalized and for reasonable expenses for lodging and meals for your relative for a period not to exceed 15 days in either of the following situations:

1. Following a covered Emergency Medical Evacuation; or
2. You are hospitalized due to a life-threatening Injury or Illness for more than five days.

HCCMIS must be notified in advance of the travel of the relative in order for Emergency Reunion benefits to be payable. Emergency Reunion benefits that are not related to an Emergency Medical Evacuation will be paid only following the end of the Inpatient hospitalization.

Terrorism

StudentSecure^SM provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 Lifetime Maximum, provided all of the following conditions are met:

1. The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
2. You have no direct or indirect involvement in the Act of Terrorism.
3. The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
4. You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Accidental Death & Dismemberment

In the event of your Accidental Death or Dismemberment resulting from a covered Injury, StudentSecure^SM will provide the following benefit:

• Accidental Death - Principal Sum to the Beneficiary designated on your Application
• Loss of Sight in both eyes or loss of two or more Limbs - Principal Sum to you
• Loss of Sight in one eye or loss of one Limb - One-half of the Principal Sum to you

Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle. The Accidental Death and Dismemberment benefit is not available for losses resulting from an Act of Terrorism.

Repatriation of Remains

In the event of a covered Injury or Illness resulting in your death, StudentSecure^SM will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

Incidental Home Country Coverage

StudentSecure^SM offers limited Home Country coverage. Medical expenses only can be covered during incidental visits of up to 15 days cumulative per Certificate Period. The member must return abroad, either to the Host Country or another country en route to the Host Country, following any incidental visit days in order to be eligible for this benefit. Return to the Home Country must not be taken for the purpose of obtaining treatment for an Injury or Illness that began outside of the Home Country.

Benefit Period

If you are hospitalized as Inpatient on your coverage Termination Date, StudentSecure^SM will provide a Benefit Period of 60 days for that condition only. The Benefit Period begins on the first date that you receive diagnosis or treatment for the condition and continues for 60 days, regardless of whether you are abroad or return to your Home Country.

Pre-certification Requirements

Hospitalizations, Surgeries, Pregnancies, Emergency Medical Evacuations, Emergency Reunions, Repatriation of Remains, Computerized Tomography (CAT Scan), and Magnetic Resonance Imaging (MRI) must be Pre-certified. Call or have your physician call HCCMIS with information relative to your claim. You may also Pre-certify by submitting details through Student Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

Exclusions

The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:

1. Pre-existing Conditions - Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance during the first 12 months of coverage. A Pre-existing Condition is any Injury or Illness which, within the 12 months prior to the Effective Date of Coverage, manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a Physician was consulted.
2. Coverage Area – For all non-US citizens electing "Excluding the US" as the Coverage Area 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.
3. Treatment for or related to any congenital condition, except for a newborn child insured under the Policy.
4. Pre-natal, delivery, post-natal, and newborn care, unless related to a Covered Pregnancy.
5. Birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof.
6. Substance Abuse.
7. 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.
8. 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.
9. 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.
10. Charges which exceed Usual, Reasonable and Customary.
11. Investigational, Experimental or for Research purposes.
12. Venereal disease, and treatment of individuals who are HIV+ or have AIDS or ARC.
13. Treatment by a Chiropractor unless ordered in advance by a Physician.
14. Physical therapy and treatment for Mental Health Disorders if treatment is obtained at a Student Health Center.
15. Treatment for acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, hypertrophic and atrophic conditions of skin, nevus.
16. Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental treatment for the relief of acute, spontaneous and unexpected onset of pain.
17. 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.
18. Immunizations and Routine Physical Exams.
19. 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.
20. Injury sustained while taking part in: professional sports; mountaineering where a reasonably prudent person would use ropes or guides 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 activity which is undertaken for thrill seeking and exposes you to abnormal risk of injury.
21. 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.
22. Willfully self-inflicted Injury or Illness and/or any complications or consequences thereof.
23. 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.
24. Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder.
25. 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.
26. Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
27. Organ or tissue transplants or related services.
28. Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof.

This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact HCC Medical Insurance Services.

Eligibility

To be eligible for StudentSecure^SM, Participants must meet all of the following requirements:

1. Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas.
2. Must be residing outside Home Country for the purpose of pursuing international educational activities.
3. Must not have obtained residency status in the Host Country.

Participants visiting the US must hold a valid education-related visa. A copy of the I-20 or DS-2019 may be requested. For US citizens and residents, the Host Country must be outside the US, including the US Virgin Islands and Puerto Rico.  US citizens and residents residing within the continental US, Alaska, and Hawaii are eligible for coverage in Guam, American Samoa, and the Northern Mariana Islands.

Eligibility Definitions

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.

Home Country:   The Participant’s Home Country is the country of Principal Residence as declared on the Application form. The Principal Residence is the country of the Participant’s true, fixed, and permanent home.

Dependent Eligibility

Dependents must meet all of the following requirements:

1. Must be the Participant’s legally married spouse, or be the Participant’s unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance.
2. Must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities.
3. Must be temporarily located outside the Participant’s Home Country (the Dependent’s Home Country is the same as that of the Participant, regardless of Principal Residence).
4. Must not have obtained residency status in the Host Country.

Effective & Termination Dates

Coverage becomes effective on the latest of:

1. The moment we receive the application and correct premium (if application and payment is made online or by fax); or
2. 12:01am US Eastern Time on the date we receive your application and payment (if application and payment is made by mail); or
3. 12:01am US Eastern Time on the date you meet eligibility requirements.

Coverage terminates on the earliest of:

1. 11:59pm US Eastern Time on the last day of the period for which you have paid premium; or
2. 11:59pm US Eastern Time on the last date requested on your application; or
3. 12:01am US Eastern Time on the date you no longer meet eligibility requirements; or
4. The moment of return to your Home Country (except as allowed by the provisions of this coverage).

Extending or Renewing Coverage

After your initial purchase, you may extend your coverage up to a maximum of 12 months from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset.

You may renew your coverage for up to 4 years as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a 12-month Certificate Period. Deductible and Coinsurance must be re-satisfied as of each renewal date.

After 4 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, Coinsurance, Pre-existing Condition provisions, and all other benefit limits.

Extensions and renewals must be made online with payment by credit card. For additional information on extending or renewing your plan, please visit Student Zone (https://zone.hccmis.com/studentzone/).

Cancellations and Refunds

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:

1. A $25 cancellation fee will apply
2. Only premium for unused whole-months of the plan will be refunded
3. Only members who have no claims are eligible for premium refund
4. After 60 days, no refunds are granted

24/7 Worldwide Travel and Medical Assistance

StudentSecure^SM includes valuable travel and medical assistance services, which are available to you 24 hours a day, 7 days a week. Contact HCCMIS to access any of these services

Pre-Trip Destination Information - Up-to-date information regarding the required vaccinations, health risks, travel restrictions, and weather conditions specific to your destination country

Provider Referrals - Contact information for Western-style medical facilities and medical and dental practices and pharmacies in your destination country where English is spoken

Travel Document Replacement - Assistance with obtaining replacement passports, birth certificates, visas, airline documents, and other travel-related documents

Lost Luggage Assistance - Tracking service to assist in locating luggage or other items lost in transit

Other travel and medical assistance services available include:

• Prescription Drug Replacement
• Emergency Travel Arrangements
• Dispatch of Physician
• Translation Assistance
• Credit Card/Traveler Check Replacement

StudentSecure^SM Travel and Medical Assistance Services are not insurance benefits. Any travel or medical assistance service provided is not a guarantee of any insurance benefit under StudentSecure^SM.

Student Zone

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 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 HCCMIS

You may access Student Zone by logging in at:

 https://zone.hccmis.com/studentzone/

World Service Center

At times, there is simply no substitute for human intervention. HCCMIS’s World Service Center representatives are 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 toll-free 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 World Service Center representative will arrange one.

Privacy Policy

HCCMIS respects individual privacy and values the confidence of its customers, employees, consumers, business associates, and others. Please contact the company or visit their website to obtain a full version of the Privacy Policy.