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HCC Life "Short-Term Medical" (STM)

Short-term temporary health insurance for individuals living in the U. S.


This plan, "Short-Term Medical" (STM), offerred through HCC Life Insurance Company (HCC LIfe), is an appropriate solution for individuals -- both U. S. citizens and non-U.S. citizens living in the U.S.-- in need of temporary medical coverage. Short-term medical insurance plan protects against unforeseen accidents and sicknesses, available to:


    • -U.S. citizens living abroad who return to America for short-term home visits,
    • -Newly arrivals/immigrants in the U.S.
    • -Students,
    • -Individuals between jobs,
    • -New employees waiting for coverage to begin, or
    • -Any eligible person who is temporarily without health insurance coverage.


With HCC Life STM, you can choose from a wide range of deductibles, select the exact length of coverage required -- ranging from a few days to a 6-month policy 11-month policy, depending on the State where you reside -- and receive treatment from the doctors and hospitals of your choice. HCC Life STM provides coverage for Inpatient and Outpatient charges, including Inpetient prescription drugs, as well as charges for emergency local ambulance and expenses related to Mental and Nervous Disorders. The available Coverage Period Maximum options are $1 million and $2 million.


To find a specific STM plan for the State of your choice, click Get Quote & Review Coverage.


To download the STM package of the State of Caliifornia including Brochure, Rate Sheet, Application and Certificate of Insurance as a sample, click the links below.

Brochure | Rate Sheet | Application | CA Certificate of Insurance

HCC Life "Short-Term Medical" (STM)




HCC Medical Insurance Services LLC (HCCMIS), 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. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (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.



HCC Medical Insurance Services, LLC (HCCMIS) is a service company regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the LLOYD'S, LONDON's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd. Click here to learn more about Lloyd's.



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, HCC Insurance Holdings, Inc. (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.