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HCC Life Short Term Medical insurance plans are effective solutions for individuals and families who are temporarily lacking healthcare coverage.

HCC Life STM is Appropriate For:

  • Recent college grads
  • Individuals between jobs
  • New employees waiting on benefits to begin
  • Young adults no longer covered under parents' plan
  • Retired individuals (under 65) waiting on Medicare to begin

General STM Benefits
  • Includes Coverage in Canada
  • Deductible Choices: $250, $500, $1,000, $2,500, $5,000 and $7,500
  • No Referrals Needed for Specialists Except Physical Therapy
  • No Primary Care Physician Required
  • Out-of-Network Coverage
  • Choice of 80/20% or 50/50% Coinsurance
  • Choice of Coverage Maximum up to $2,000,000 Lifetime
  • Hospital Inpatient Prescription Drug Coverage
  • Lab/X-ray, Emergency Room, Outpatient Surgery & Hospitalization Coverage

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, groups, missionaries, students, corporations, and organizations during their international activities in over 130 countries around the world.

HCC Medical Insurance Services, LLC, a subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC)


Downloads/Forms
File Description
DownloadBrochure
DownloadSTM Complete Brochure
DownloadReview Coverage
DownloadProducer Guide

Downloads
1) DownloadAgent Contract199KB
2) DownloadShort Term Comparison $1000 Deductible81KB
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