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Insurance

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Why do I need Insurance ?

Studying abroad is a life-changing experience, but along with the journey come many speed bumps and headaches. You can never anticipate the issues that may arise while studying abroad and traveling, which is why travel insurance is a great thing to consider because there's always that chance...
- you get sick and require treatment
- you break a leg skiing in the Alps
- your flight is cancelled and your entire weekend trip gets derailed due to a transportation strike
- your phone or laptop gets stolen from your hostel
- you break your camera
- a family member dies and you need to fly home immediately

Even the most experienced travelers have the occasional setback and it's smart to be prepared for the worst. Having insurance that provides you with medical, logistical, and financial support is important.

Choose One of the Following

International Insurance Products

Atlas Travel Insurance

Short-term travel health insurance for individuals traveling outside their home country.

Whether you are traveling for business or pleasure, Atlas Travel insurance may be just what you're looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports.

StudentSecure

Worldwide health coverage for students pursuing their education abroad

StudentSecure is designed to meet the insurance needs of international students traveling inside or outside of the United States. Whether you are looking for individual coverage or coverage for the entire family, our Select, Budget and Smart options have the features you need. These plans include coverage for emergency medical evacuation, sports, mental health, maternity (Budget and Select) and more!

Atlas Group Travel Insurance

Short-term international health insurance for 5 or more traveling abroad

Atlas Group travel insurance is tailored for groups of 5 or more U.S. and non-U.S. Citizens traveling outside their home country for 5 days or more. This plan is appropriate for missionaries, students and business executives. It features medical coverage, emergency medical evacuation, and repatriation of remains.

Atlas MultiTrip

International health coverage for business individuals taking multiple trips throughout the year

Atlas MultiTrip is available to individuals and their families who require annual medical insurance with coverage for multiple trips of 30 or 45 days duration or less, as elected by the insured. If you maintain medical coverage in your home country, Atlas MultiTrip is designed to take some of the risk out of your international travel. To view our full ratings, please see http://www.tmhcc.com.

Domestic Insurance Products

HCC Life STM and STM Complete

Short-term temporary health insurance for individuals living in the US

This plan is an appropriate solution for individuals in need of temporary medical coverage. Short-term medical insurance plan protects against unforeseen accidents and sicknesses, available to individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage.

General Information

Tokio Marine HCC - Medical Insurance Services Group

Tokio Marine HCC - Medical Insurance Services Group, headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance and short-term medical insurance products designed to meet needs of consumers worldwide. Tokio Marine HCC - MIS Group is a subsidiary of Tokio Marine HCC (NYSE: HCC), a leading Specialty Insurance group. HCC's major companies have a financial strength rating of AA (Very Strong) by Standard & Poor's and Fitch Ratings and A+ (Superior) by A.M. Best Company.

Lloyd's, London

Tokio Marine HCC - Medical Insurance Services Group is a service company that is a subsidiary of Tokio Marine HCC. Tokio Marine HCC - MIS Group is regulated by the State of Indiana in our capacity as Third Party Administrator. Tokio Marine HCC - MIS Group has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by Tokio Marine HCC International Group. Learn more about Lloyd's at http://www.lloydsoflondon.com/.

HCC Life Insurance Company

For more than 30 years, HCC Life Insurance Company has been leading the way in medical stop loss insurance for employers who self-fund their employee benefit plans. HCC Life's products, including medical stop loss, HMO reinsurance, medical excess, group term life insurance and short term medical insurance are backed by the financial stability of its parent company, Tokio Marine HCC. (NYSE: HCC). HCC Life holds a financial strength rating of AA (Very Strong) by Standard & Poor's and Fitch Ratings and A+ (Superior) by A.M Best Company.

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