International Student Insurance
StudentSecure Smart Plan
Be sure to check international student insurance off your to-do list as you prepare for your study abroad adventure. The StudentSecure Smart plan from WorldTrips is international student medical insurance designed for full-time students and scholars on a budget.
Here are some highlights:
- $0 deductible
- Lower coverage limits in exchange for a lower cost
- Monthly payment option or savings for paying in full
- Coverage that meets U.S. J-1 visa requirements
Discover the Benefits of StudentSecure Smart International Student Medical Insurance
| Savings for Paying Full Premium in Advance | Yes |
|---|---|
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Savings for Paying Full Premium in Advance Yes
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| Meets J-1 Visa Requirements | Yes |
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Meets J-1 Visa Requirements Yes
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| Overall Maximum Benefit | $200,000 |
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Overall Maximum Benefit $200,000
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| Maximum Benefit Per Injury or Illness | $100,000 |
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Maximum Benefit Per Injury or Illness $100,000
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| Deductible | $0 |
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Deductible $0
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| Travel Assistance Services | StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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Travel Assistance Services StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
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| Policy Documents | Click here to view your policy documents. |
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Policy Documents |
| Emergency Room Copayment (Claims Incurred in the U.S. Only) | $350 for the emergency room facility fee for treatment received in an emergency room |
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Emergency Room Copayment (Claims Incurred in the U.S. Only) $350 for the emergency room facility fee for treatment received in an emergency room
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| Physician Office Visit Copayment | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
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Physician Office Visit Copayment $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
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| Urgent Care Copayment | $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
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Urgent Care Copayment $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit
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| Student Health Center Copayment | $25 per visit |
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Student Health Center Copayment $25 per visit
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| Hospital Copayment – Inpatient and Outpatient | $200 per visit within the PPO network or outside the U.S.; otherwise, $400 per visit |
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Hospital Copayment – Inpatient and Outpatient $200 per visit within the PPO network or outside the U.S.; otherwise, $400 per visit
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| Coinsurance - Claims Incurred Inside the U.S. | |
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Coinsurance - Claims Incurred Inside the U.S. |
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| In-Network Payment | Within the PPO: We will pay 80% of the next $100,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit |
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In-Network Payment Within the PPO: We will pay 80% of the next $100,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit
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| Out-of-Network Payment | Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount. |
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Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
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| Coinsurance - Claims Incurred Outside the U.S. | We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit |
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Coinsurance - Claims Incurred Outside the U.S. We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit
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| *Pre-Existing Conditions | No coverage |
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*Pre-Existing Conditions No coverage
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| **Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) | $25,000 lifetime maximum for eligible expenses |
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**Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) $25,000 lifetime maximum for eligible expenses
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| Intensive Care Unit | Up to overall maximum limit |
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Intensive Care Unit Up to overall maximum limit
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| Hospital Room & Board | Average semi-private room rate, including nursing services |
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Hospital Room & Board Average semi-private room rate, including nursing services
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| Outpatient Treatment | Up to overall maximum limit |
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Outpatient Treatment Up to overall maximum limit
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| Local Ambulance (not subject to coinsurance) | Up to $300 per injury or illness, only when covered illness or injury results in hospitalization as inpatient |
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Local Ambulance (not subject to coinsurance) Up to $300 per injury or illness, only when covered illness or injury results in hospitalization as inpatient
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| Outpatient Prescription Drugs | 50% of actual charges |
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Outpatient Prescription Drugs 50% of actual charges
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| Vaccinations (not subject to coinsurance) | No coverage |
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Vaccinations (not subject to coinsurance) No coverage
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| Preventative Care | No coverage |
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Preventative Care No coverage
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| Maternity Care for Covered Pregnancy | No coverage |
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Maternity Care for Covered Pregnancy No coverage
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| Nursery Care of Newborn (not subject to coinsurance) | No coverage |
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Nursery Care of Newborn (not subject to coinsurance) No coverage
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| Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness | Up to the overall maximum limit |
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Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness Up to the overall maximum limit
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| Intercollegiate, Interscholastic, Intramural, or Club Sports | No coverage |
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Intercollegiate, Interscholastic, Intramural, or Club Sports No coverage
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| Mental Health Disorders (treatment must not be provided at a student health center) | Physician Office Visit: $500 maximum Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse) |
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Mental Health Disorders (treatment must not be provided at a student health center) Physician Office Visit: $500 maximum Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse) |
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| Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) | Up to $25 per visit per day |
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Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) Up to $25 per visit per day
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| Emergency Dental Treatment (not subject to coinsurance) | Up to $500 |
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Emergency Dental Treatment (not subject to coinsurance) Up to $500
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| Terrorism | No coverage |
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Terrorism No coverage
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| All Other Eligible Medical Expenses | Up to the overall maximum limit |
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All Other Eligible Medical Expenses Up to the overall maximum limit
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| Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) | Up to $50,000 lifetime maximum |
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Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) Up to $50,000 lifetime maximum
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| Repatriation of Remains (not subject to coinsurance or overall maximum limit) | Up to $25,000 lifetime maximum |
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Repatriation of Remains (not subject to coinsurance or overall maximum limit) Up to $25,000 lifetime maximum
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| Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) | No coverage |
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Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) No coverage
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| Emergency Reunion (not subject to coinsurance or overall maximum limit) | Up to $1,000, subject to a maximum of 15 days |
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Emergency Reunion (not subject to coinsurance or overall maximum limit) Up to $1,000, subject to a maximum of 15 days
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| Personal Liability (not subject to coinsurance or overall maximum limit) | No coverage |
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Personal Liability (not subject to coinsurance or overall maximum limit) No coverage
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| Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) | No coverage |
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Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) No coverage
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| Pre-Existing Conditions | Certain types of medical expenses are excluded from coverage under StudentSecure Smart insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
|---|---|
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Pre-Existing Conditions Certain types of medical expenses are excluded from coverage under StudentSecure Smart insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
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| Acute Onset of Pre-existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
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Acute Onset of Pre-existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
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| Savings for Paying Full Premium in Advance | Yes |
|---|---|
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Savings for Paying Full Premium in Advance Yes
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| Meets J-1 Visa Requirements | Yes |
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Meets J-1 Visa Requirements Yes
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| Overall Maximum Benefit | $200,000 |
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Overall Maximum Benefit $200,000
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| Maximum Benefit Per Injury or Illness | $100,000 |
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Maximum Benefit Per Injury or Illness $100,000
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| Deductible | $0 |
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Deductible $0
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| Travel Assistance Services | StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
|
|
Travel Assistance Services StudentSecure customers have access to travel and medical assistance 365 days a year. Emergency assistance is available 24/7. Services include:
|
|
| Policy Documents | Click here to view your policy documents. |
|
Policy Documents |
|
| Emergency Room Copayment (Claims Incurred in the U.S. Only) | $350 for the emergency room facility fee for treatment received in an emergency room |
|
Emergency Room Copayment (Claims Incurred in the U.S. Only) $350 for the emergency room facility fee for treatment received in an emergency room
|
|
| Physician Office Visit Copayment | $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit |
|
Physician Office Visit Copayment $75 per visit within the PPO network or outside the U.S.; otherwise, $150 per visit
|
|
| Urgent Care Copayment | $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit |
|
Urgent Care Copayment $100 per visit within the PPO network or outside the U.S.; otherwise, $200 per visit
|
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| Student Health Center Copayment | $25 per visit |
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Student Health Center Copayment $25 per visit
|
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| Hospital Copayment – Inpatient and Outpatient | $200 per visit within the PPO network or outside the U.S.; otherwise, $400 per visit |
|
Hospital Copayment – Inpatient and Outpatient $200 per visit within the PPO network or outside the U.S.; otherwise, $400 per visit
|
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| Coinsurance - Claims Incurred Inside the U.S. | |
|
Coinsurance - Claims Incurred Inside the U.S. |
|
| In-Network Payment | Within the PPO: We will pay 80% of the next $100,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit |
|
In-Network Payment Within the PPO: We will pay 80% of the next $100,000 of eligible expenses after applicable copayments, then 100% to the overall maximum limit
|
|
| Out-of-Network Payment | Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount. |
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Out-of-Network Payment Outside the PPO: Usual, reasonable, and customary charges for eligible expenses, up to the overall maximum limit. You may be responsible for any charges exceeding the payable amount.
|
|
| Coinsurance - Claims Incurred Outside the U.S. | We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit |
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Coinsurance - Claims Incurred Outside the U.S. We will pay 100% of eligible expenses, after applicable copayments, up to the overall maximum limit
|
|
| *Pre-Existing Conditions | No coverage |
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*Pre-Existing Conditions No coverage
|
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| **Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) | $25,000 lifetime maximum for eligible expenses |
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**Acute Onset of Pre-Existing Condition (see "Exclusions" tab for benefit description) $25,000 lifetime maximum for eligible expenses
|
|
| Intensive Care Unit | Up to overall maximum limit |
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Intensive Care Unit Up to overall maximum limit
|
|
| Hospital Room & Board | Average semi-private room rate, including nursing services |
|
Hospital Room & Board Average semi-private room rate, including nursing services
|
|
| Outpatient Treatment | Up to overall maximum limit |
|
Outpatient Treatment Up to overall maximum limit
|
|
| Local Ambulance (not subject to coinsurance) | Up to $300 per injury or illness, only when covered illness or injury results in hospitalization as inpatient |
|
Local Ambulance (not subject to coinsurance) Up to $300 per injury or illness, only when covered illness or injury results in hospitalization as inpatient
|
|
| Outpatient Prescription Drugs | 50% of actual charges |
|
Outpatient Prescription Drugs 50% of actual charges
|
|
| Vaccinations (not subject to coinsurance) | No coverage |
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Vaccinations (not subject to coinsurance) No coverage
|
|
| Preventative Care | No coverage |
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Preventative Care No coverage
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| Maternity Care for Covered Pregnancy | No coverage |
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Maternity Care for Covered Pregnancy No coverage
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| Nursery Care of Newborn (not subject to coinsurance) | No coverage |
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Nursery Care of Newborn (not subject to coinsurance) No coverage
|
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| Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness | Up to the overall maximum limit |
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Sports & Activities - Leisure, Recreational, Entertainment, Or Fitness Up to the overall maximum limit
|
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| Intercollegiate, Interscholastic, Intramural, or Club Sports | No coverage |
|
Intercollegiate, Interscholastic, Intramural, or Club Sports No coverage
|
|
| Mental Health Disorders (treatment must not be provided at a student health center) | Physician Office Visit: $500 maximum Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse) |
|
Mental Health Disorders (treatment must not be provided at a student health center) Physician Office Visit: $500 maximum Inpatient: Up to $5,000 (excludes drug abuse and alcohol abuse) |
|
| Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) | Up to $25 per visit per day |
|
Outpatient Physical Therapy & Chiropractic Care (not subject to coinsurance) (must be ordered in advance by a physician and not obtained at a student health center) Up to $25 per visit per day
|
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| Emergency Dental Treatment (not subject to coinsurance) | Up to $500 |
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Emergency Dental Treatment (not subject to coinsurance) Up to $500
|
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| Terrorism | No coverage |
|
Terrorism No coverage
|
|
| All Other Eligible Medical Expenses | Up to the overall maximum limit |
|
All Other Eligible Medical Expenses Up to the overall maximum limit
|
|
| Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) | Up to $50,000 lifetime maximum |
|
Emergency Medical Evacuation (not subject to coinsurance or overall maximum limit) Up to $50,000 lifetime maximum
|
|
| Repatriation of Remains (not subject to coinsurance or overall maximum limit) | Up to $25,000 lifetime maximum |
|
Repatriation of Remains (not subject to coinsurance or overall maximum limit) Up to $25,000 lifetime maximum
|
|
| Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) | No coverage |
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Accidental Death and Dismemberment (AD&D) (not subject to coinsurance or overall maximum limit) No coverage
|
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| Emergency Reunion (not subject to coinsurance or overall maximum limit) | Up to $1,000, subject to a maximum of 15 days |
|
Emergency Reunion (not subject to coinsurance or overall maximum limit) Up to $1,000, subject to a maximum of 15 days
|
|
| Personal Liability (not subject to coinsurance or overall maximum limit) | No coverage |
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Personal Liability (not subject to coinsurance or overall maximum limit) No coverage
|
|
| Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) | No coverage |
|
Optional Crisis Response Rider - Ransom, Personal Belongings, and Crisis Response Fees and Expenses (not subject to coinsurance or overall maximum limit) No coverage
|
|
| Pre-Existing Conditions | Certain types of medical expenses are excluded from coverage under StudentSecure Smart insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
|
Pre-Existing Conditions Certain types of medical expenses are excluded from coverage under StudentSecure Smart insurance. Some exclusions are listed here. Refer to the Description of Coverage for the complete list of exclusions.
*A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. |
|
| Acute Onset of Pre-existing Condition | **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
|
|
Acute Onset of Pre-existing Condition **Acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition. The Acute Onset of Pre-existing Condition benefit will apply only if, at the time of the acute onset of a pre-existing condition, all the following conditions are met:
|
Why International Student Insurance Is a SMART Idea
Study abroad trips are often the first time that high school and college students are away from home for an extended period. StudentSecure Smart international student insurance can help alleviate your concerns about the cost of unexpected medical expenses as you study abroad.
You can focus on learning and experiencing everything your host country has to offer, and your mom and dad can stop worrying about you having to navigate a foreign healthcare system without assistance.
WorldTrips’ Smart Plan Is Designed to:
- Ensure you meet your visa or school requirements. Be sure to compare our Smart plan to any requirements from your program or university. The StudentSecure international student insurance Smart plan satisfies requirements for most visas (including the J-1 visa) and provides a visa letter you can use as proof of coverage.
- Help you stick to your budget. StudentSecure Smart is the least expensive of the StudentSecure plans and may help you meet your needs on a tighter budget. You can also save by paying for your policy in full.
- Guide you through the unexpected. Your international student insurance plan comes with travel assistance services available 365 days a year. Give us a call if you need a referral for a doctor, hospital, or pharmacy or support navigating a crisis.
Telehealth Benefits
StudentSecure policies now have access to Air Doctor, a game-changing benefit. Air Doctor can help ensure you have access to quality medical care on your travels within covered areas, so you can focus on exploring with confidence. Learn more about Air Doctor
- Two Air Doctor Visits per Policy: Policyholders receive two visits without requiring claims. Plans effective for more than six months are allocated three visits.
- Telehealth Services for U.S. Policies: For StudentSecure plans covering the U.S., Air Doctor visits are limited to telehealth (video) services. In-person visits may utilize the UnitedHealthcare PPO network.
- Outside the U.S.: Choose from in-clinic visits, telehealth (video), or in-home appointments within your coverage area. Air Doctor connects you with vetted, local providers for convenient care wherever you are.
- Co-pays apply
Quick Comparison: Make Sure StudentSecure Smart Is the Right Plan for You
| Features & Benefits | Elite | Select | Budget | Smart |
|---|---|---|---|---|
| Meets J-1 Visa Requirements | ||||
| Savings for Paying in Full | ||||
| Overall Maximum | $5,000,000 | $1,000,000 | $500,000 | $200,000 |
| Maximum Per Injury or Illness | $500,000 | $500,000 | $250,000 | $100,000 |
| Mental Health Disorders | ||||
| Outpatient Prescription Drugs | ||||
| Preventative Care | Up to $200 after 6 months of continuous coverage | |||
| Vaccinations | ||||
| Personal Liability | ||||
| Pre-Existing Conditions | After 6 months | After 6 months | After 12 months |
| Elite | Select | Budget | Smart |
|---|---|---|---|
| Features & Benefits | |||
| Meets J-1 Visa Requirements | |||
| Savings for Paying in Full | |||
| Overall Maximum | |||
| $5,000,000 | $1,000,000 | $500,000 | $200,000 |
| Maximum Per Injury or Illness | |||
| $500,000 | $500,000 | $250,000 | $100,000 |
| Mental Health Disorders | |||
| Outpatient Prescription Drugs | |||
| Preventative Care | |||
| Up to $200 after 6 months of continuous coverage | |||
| Vaccinations | |||
| Personal Liability | |||
| Pre-Existing Conditions | |||
| After 6 months | After 6 months | After 12 months | |
Study Abroad With WorldTrips Insurance
WorldTrips has been providing insurance to study abroad students since 1998. Our international student insurance plans provide important coverage for unexpected injuries and illnesses—plus access to a multilingual team of customer support representatives who can help you find a doctor or hospital, arrange for translation assistance, and more.
We’ve been featured in numerous national publications, including travel magazines like Condé Nast Traveler and leading websites in the business news circuit like CNBC and USA Today. Global platform Forbes Advisor even listed us as a “best travel insurance company” for 2024.
Don't let unexpected medical costs or emergencies derail your study abroad experience—choose international student medical insurance from a trusted travel insurance company like WorldTrips so you can study abroad with confidence.
“WorldTrips is the best travel insurance company of 2024, based on our in-depth analysis of travel insurance policies."
How International Student Insurance Works in Action
- You’re exploring your host city with some classmates when excruciating stomach pain sends you to the hospital. It turns out to be a sudden case of appendicitis requiring surgery.
Thankfully, your StudentSecure Smart international student insurance plan provides up to $200,000 of coverage for eligible medical expenses resulting from unexpected injuries and illnesses. These covered expenses could include your hospital room and board, diagnostic testing, physician charges, nursing services, surgical expenses, and more.
- You’re playing a recreational game of soccer outside your dorm when you fall and chip some teeth.
Your StudentSecure Smart plan includes an Emergency Dental Treatment benefit that covers up to $500 of emergency dental treatment necessary to resolve pain or restore or replace natural teeth lost or damaged in a covered accident.
- You fall and break your leg while hiking during a student trip. Following a necessary surgical procedure, you surgeon prescribes outpatient physical therapy to facilitate a full recovery.
Your StudentSecure Smart international student insurance will provide up to $200,000 of coverage for eligible medical expenses resulting from your hospital stay, surgery, and more.
Your plan also includes an Outpatient Physical Therapy & Chiropractic Care benefit that will cover up to $25 per visit for eligible outpatient physical therapy. Note that physical therapy must be ordered in advance by a physician and must not be obtained at a student health center.
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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).