Student Secure - Budget Including USA

Plan Detail

Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's


Do I need study abroad insurance?

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® as an affordable solution.
Why Choose StudentSecure?
HCCMIS takes the guesswork out of insurance for individuals in study abroad programs with StudentSecure®, a plan designed specifically to meet the needs of international students and scholars. HCCMIS’s StudentSecure® is the program that travels with you and meets or exceeds U.S. government student visa requirements. Whether you are looking for individual coverage or coverage for your entire family, StudentSecure® has all the features you need. The three levels of coverage, Select, Budget and Smart, ensure that you can find the appropriate plan. Each plan includes coverage for medical expenses, emergency medical evacuation, and repatriation of remains.
Individuals up to age 65 years are eligible for this plan subject to 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 and
  2. Must be residing outside his or her Home Country for the purpose of pursuing international educational activities and
  3. Must not have obtained residency status in the Host Country.

Certificate Effective Date

Insurance hereunder is effective on the later of:

  1. The moment Underwriters receive the application and correct premium (if application and payment is made online or by fax) or
  2. 12:01am US Eastern Standard Time on the date Underwriters receive the Application and payment (if application and payment is made by mail) or
  3. 12:01am US Eastern Standard Time on the date the Participant meets the eligibility requirements.

Termination Date

Insurance hereunder terminates on the earliest of:

  1. 11:59pm US Eastern Standard Time on the last day of the period for which premium has been paid or
  2. 11:59pm US Eastern Standard Time on the last date requested on the Application or
  3. 12:01am US Eastern Standard Time on the date the Participant no longer meets eligibility requirements or
  4. The moment the Participant returns to the Home Country (except as allowed by the Home Country Coverage provisions of this coverage).