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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


Atlas Travel -- Short-Term International Travel Medical Insurance
Simple. Fast. Affordable.



(i) Do I need travel medical insurance?

Many times, your primary insurance in your home country will not cover you while you are abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Atlas Travel includes these essentials such as translation assistance while being treated, doctor and hospital referrals, and asistance replacing lost prescriptions.

(ii) Who Choose Atlas Travel?

The Atlas Travel plan from HCC Medical Insurance Services (HCCMIS) is with you almost anywhere on the planet you may travel for vacations, studying abroad, corporate travel, mission trips and extreme sports adventures.

Whatever your reason, international travel should be a pleasant experience. Complications and emergencies such as illness, injury, and natural disasters are a fact of life. While we hope none of these happen, we're here to help if they do. Atlas Travel helps protect you from potential financial disaster while traveling abroad with benefits including inpatient and outpatient medical services, $500,000 of coverage for emergency medical evacuation, coverage for lost checked baggage, and many other important benefits. Atlas Travel gives you the peace-of-mind you're looking for!



The Atlas Travel Series provides international travel health insurance for periods of travel between 5 days and 12 months with up to US$1,000,000 of medical coverage when you travel outside of your home country.

(i) International Coverage

  • Emergency Medical Evacuation and Emergency Reunion
  • Repatriation of Remains
  • Return of Minor Children
  • Terrorism
  • Political Evacuation
  • Natural Disaster Benefit

(ii) Other Quality Benefits

  • Acute Onset of Pre-Existing Conditions
  • Hospitalization and Outpatient Treatment
  • Sports Coverage
  • Complication od Pregnancy


INCLUDED IN ALL ATLAS TRAVEL SERIES POLICIES (Atlas Travel, Atlas Group Travel, Atlas MultiTrip)

  • Quality Travel Assistance Services -- available 24/7 should you need assistance in finding a local doctor, hospital, or even assistance with emergency travel arrangements
  • Emergency Medical Evacuation
  • Optional Sports Rider -- available to cover accidents while participating in adventurous activities like scuba diving, parasailing, bungee jumping, and more DNP Services offers the Atlas Travel Series, one of the industry’s leading international health insurance products, through HCC Medical Insurance Services, (HCCMIS).


For more information about Atlas Travel for individuals:

Get Quote | Review Coverage | Download Brochure | Download Rate Sheet/Application

For information about Atlas Group Travel, Atlas MultiTrip and Student Secure (International Student Medical Insurance), please go to Insurance Plans, or click the apropriate links on the right navigation column.

After Purchasing Coverage, How Can I Trust the Company to Be There If I Need Them?

HCCMIS - Lloyd's, London - HCC Life: The Brands You Can Trust!


HCC Medical Insurance Services
HCC Medical Insurance Services LLC (HCCMIS), headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance and U.S. short-term medical/health 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.

Lloyd's, London & HCCMIS
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 underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd. Click here to learn more about Lloyd's, London.

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, 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.