HCC Specialty Underwriters, Inc. offers the StudentSecure® Student Medical Insurance line through its Student Medical Insurance program to help agents place healthcare coverage for students studying outside their home country. StudentSecure® includes multiple plan designs that meet common study-visa requirements for the United States and the Schengen Zone, while giving you flexibility to match benefit levels to client budgets and risk profiles.
Overview of the Program From HCC Specialty Underwriters, Inc.
Student Medical Insurance from HCC Specialty Underwriters, Inc. is a managing-general-agency-backed program that gives agents access to StudentSecure® plans placed with various carriers. The program is designed for students, exchange visitors, interns and scholars who need compliant medical coverage while studying or interning abroad. As an MGA solution, HCCSU streamlines placement, underwriting and policy administration so you can quote and bind efficiently.
Ideal Accounts and Appetite
This program is well-suited for:
- Undergraduate and graduate students studying abroad or on exchange programs
- International students applying for F-1 / J-1 / or Schengen visas who require proof of coverage
- Short-term interns, research scholars and visiting academics
- Student-athletes when intercollegiate coverage is required
Accounts that typically fit the program are medically stable applicants without high-risk clinical needs at application, and travel durations ranging from a few months to multiple academic years. High-risk occupations, long-term inpatient care needs, and some extreme adventure exposures may be restricted or require referral.
Coverage Highlights and Advantages
- Multiple plan levels to balance premium and benefits
- Large maximum limits (up to $500,000) for serious medical events
- Preexisting condition protection available after a waiting period; under-19 applicants often receive waivers
- Options for maternity, mental health, preventive care and immunizations
- Intercollegiate sports add-on available for eligible students
- Designed to meet US and Schengen visa documentation needs
Underwriting Notes and Minimum Premiums
Underwriting is handled through HCCSU with access to several carrier markets. Typical considerations include applicant age, trip length, home country, medical history and intended activities (e.g., intercollegiate sports). Minimum premium and policy terms vary by carrier and plan—minimums are not fixed and are listed as "Varies." For cases with significant medical history or complex exposures, submit for prior approval to avoid delays.
Territories and Availability
Student Medical Insurance via HCC Specialty Underwriters, Inc. is available in most U.S. states. States currently available include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. The program is positioned as "Most Available States" for admitted/non-admitted placement depending on carrier and state regulations.
Why Work With HCC Specialty Underwriters, Inc. on This Business
- Dedicated student-focused plan designs that satisfy visa proof-of-coverage requirements
- MGA expertise and access to multiple carriers for better placement options
- Flexible plan options—short-term, academic-year and multi-year designs
- Support for common student exposures such as maternity, mental health and intercollegiate sports
- Streamlined quoting and enrollment to help you issue policies quickly
Example Account Scenarios
- You have a 20-year-old undergraduate heading to a 9-month exchange program in Germany who needs Schengen-compliant coverage with a strong emergency medical limit and preventive care options—StudentSecure® can provide plan choices that meet those visa requirements.
- You represent a graduate student traveling for a 2-year research program in the U.S. who wants mental health benefits and preexisting condition protection—this program offers plan designs and underwriting pathways to address both.
Frequently Asked Questions
What types of student accounts are a good fit for HCCSU's Student Medical Insurance?
Students on short-term exchanges, full academic-year programs, interns, visiting scholars and student-athletes (with the sports add-on) are a primary fit. Applicants should be medically stable at enrollment; complex or high-risk medical histories may require referral.
Does StudentSecure® meet visa requirements for the US and Schengen states?
Yes—StudentSecure® plans include options designed to satisfy common U.S. and Schengen visa proof-of-coverage requirements. Verify the specific plan limits and benefits against the visa authority’s current requirements before submission.
How are preexisting conditions handled?
Preexisting conditions are eligible for coverage after a six-month waiting period on most plans; the waiting period is commonly waived for applicants under age 19. Exact terms depend on the chosen plan and carrier.
How do I submit a case or get a quote through HCC Specialty Underwriters, Inc.?
Agents can submit applications and supporting information to HCCSU for quote and placement. Underwriting review will determine plan eligibility, required documentation and any minimum premium applicable (minimums vary by carrier).
Need help placing an account? Connect with a market specialist.