Why we like it:
WE HIGHLY RECOMMEND HCC International student insurance for all kinds of international students, research grants, visiting professors, and graduate students under age 65, coming to the USA. It exceeds all J1-visa requirements.
We like that there are four levels to choose from, and that it covers Intercollegiate, interscholastic, intramural, and club sports (on Select and Basic). You can also cover premiums monthly.
HCC has a financial strength rating of AA (Very Strong) by Standard & Poor’s and Fitch Ratings and A+ (Superior) by A.M. Best Company so you can count on them.
Note: Not available to those residing in Canada or Australia at the time of purchase.
- Excellent for international students coming to the USA
- Has four levels based on your budget and needs
- Includes intercollegiate, interscholastic, intramural, and club sports
- Exceeds all J1 and F1 international student visa requirements
- Exceeds all J1-visa requirements and for both international students coming to the USA to study as well as scholars and graduate students doing research.
- For students/scholars
- Your choice of Elite, Select, Budget and Smart
- Maternity care is covered
- Provides $300,000 250,000 or $200,000 of coverage per injury/illness
- Pre-existing conditions with a 180-day waiting period
- Ambulance, mental health, emergency dental, emergency medical evacuation, and more…
- Covers Intercollegiate, interscholastic, intramural, and club sports (Select and Basic)
- HCC has a financial strength rating of AA (Very Strong) by Standard & Poor’s and Fitch Ratings and A+ (Superior) by A.M. Best Company
The carrier of this international student medical insurance plan, HCC Medical Insurance Services (HCCMIS), is headquartered in the United States in Indianapolis, Indiana. They have a great financial strength rating: AA (Very Strong) by Standard & Poor’s and Fitch Ratings, and A and A- by A.M. Best Company. They have been around along time and are well-known. This plan covers pre-existing medical conditions after 180 days of continuous coverage. (StudentSecure Elite, Select and Budget plans. Budget also provides benefits after 360 days of continuous coverage.)
The HCC Student Secure plan also includes maternity coverage when conception occurs after the effective date of coverage, (StudentSecure Elite, Select and Budget provides maternity benefits including, but not limited to, pre-natal, delivery, and post-natal care. Also 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. StudentSecure Smart does not provide maternity or newborn care coverage.)
HCC Student Secure also has medical protection when participating in intercollegiate, interscholastic, intramural, or club sports are covered by the StudentSecure plan:
Covered by the StudentSecure plan up to a maximum of:
Elite – $5,000 per Injury or Illness
Select – $5,000 per Injury or Illness
Budget – up to $3,000 per injury or illness
Smart – StudentSecure Smart does not provide coverage for organized sports activities.
Students considering playing organized sports are encourage to select either Elite, Student Secure Select or Budget.
StudentSecure is not available to individuals who are physically located in the states of New York, Maryland, or Washington or in the country of Canada or Australia at time of purchase.
To be eligible for StudentSecure:
You must be under age 65; and
- 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
- A student under age 19 enrolled in a secondary school; or
- A full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week; and
- You must be residing outside your home country for the purpose of pursuing international educational activities; and
- You must not have obtained residency status in your host country; and
- If in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested.
J-1 and F-1 visa holders:
The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas.
means 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.
means 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 may not be limited to performing research in an area of specialty or teaching for a temporary period of time.
“Home Country” means:
For U.S. Citizens, the United States of America, regardless of the location of your principal residence.
For non-U.S. Citizens, home country is the country where you principally reside and receive regular mail.
Deductible (out-of-pocket expense per visit/incident)
- $25 deductible for Elite within PPO per illness/injury, or using the Student Health Center at your campus or outside the USA (Otherwise, $50 per incident)
- $35 deductible for Select within PPO per illness/injury, or using the Student Health Center at your campus or outside the USA (Otherwise, $50 per incident)
- $45 deductible for Budget within PPO per illness/injury, or using the Student Health Center at your campus or outside the USA (Otherwise, $90 per incident)
- $50 deductible for Smart within PPO per illness/injury, or using the Student Health Center at your campus or outside the USA (Otherwise, $100 per incident)
Coinsurance (The amount you pay per year besides premiums and deductible)
- Elite: Underwriters pay 100% of eligible expenses after the deductible to the overall maximum limit.
- Select: Underwriters will pay 80% of the next $5,000 of eligible expenses after deductible, then 100% to certificate period maximum.
- Budget: Underwriters will pay 80% of the next $25,000 of eligible expenses after deductible, then 100% to certificate period maximum
- Smart: Underwriters will pay 80% of eligible expenses after the deductible is met
- Local ambulance – Up to $750 (Elite & Select) up to $500 (Budget), up to $300 (Smart) per incident if hospitalized as inpatient
- Intensive Care Unit – Usual, reasonable and customary
- Outpatient treatment – Usual, reasonable and customary
Elite: Generic Drugs – 100% coinsurance; Brand Name Drugs – 50% coinsurance; Specialty Drugs – No coverage
Select, Budget & Smart: 50% of actual charges – not subject to deductible or coinsurance
- Emergency Medical Evacuation is covered, Repatriation of Remains is covered, (as is AD&D on Select plan)
- Dental emergency and Dental Treatment to alleviate pain (on Select)
- Mental health/Counseling, incl. alcoholism drug abuse
- Pre-existing conditions
- Elite: 180-day waiting period
- Select: 180-day waiting period
- Basic: 360-day waiting period
- Smart: Pre-existing conditions are excluded. $25,000 lifetime maximum for eligible medical expenses for the acute onset of pre-existing condition only (see below).
ACUTE ONSET OF PRE-EXISTING CONDITION ARE COVERED IF:
1. Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which:
a. Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms; and
b. Is of short duration; and
c. Is rapidly progressive; and
d. Requires urgent care.
YOU ARE NOT COVERED unless you fulfill the following condition:
1. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
YOU ARE NOT COVERED IF:
1. The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date. Or
2. The pre-existing condition is a chronic or congenital condition or that gradually becomes worse over time. Or
3. Charges are for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date. Or
4. Expenses arise directly or indirectly from anything in the General Exclusions.
See brochure for complete list of benefits
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!