Health Insurance Abroad

Health insurance abroadTypes of Health InsuranceHealth insurance is really in the U.S.Medical insurance does not apply overseasSelection PolicyResources for health insuranceAdequate health insurance is extremely important when traveling abroad. Accidents can occur in healthy people, and you may risk facing huge medical bills without it.The following sections will help you select the type of politician who is best suited for your needs. At the end of this page is a list of companies that offer health insurance policies and other information resources.Special Note for UM students, faculty and staff: members of the University of Michigan community (students, faculty and staff) need to take Health, University of travel abroad insurance plan administered by HTH Worldwide. This comprehensive plan is a cost-effective at $ 1 a day and can be purchased for the exact duration of your trip. See resources for health insurance following the instructions on how to join in the plan.Types of Health InsuranceThe main choice for health insurance is one of the following two options:Health insurance is valid in the U.S. and abroad (some U.S. politicians give little or no coverage outside the U.S.). Ideally, you want to keep in force insurance is valid in the U.S., while you are abroad.Special health insurance, which is really only abroad. It is best to buy such insurance, in addition to your basic health insurance policy (type 1).Health insurance valid in the U.S. and abroadIt is important to make sure that health insurance is valid abroad. Options for coverage include:ExamplesInsurance policy through your parent or spouseInsurance through their employerInsurance purchased as a separateAdvantages: Disadvantages:Coverage is valid in the U.S., if you become ill or injured abroad, the policy will pay for treatment in the U.S., where you can get top quality care and to be near family.The existing conditions are usually (though not always) covered. This is important if you have a medical condition that needs ongoing treatment. If you become ill or injured abroad, and still do not have insurance, you probably will not be able to buy insurance that pays for medical treatment that pre-existing conditions (as in the U.S. or abroad).Overseas restrictions. Some U.S. foreign policy have no coverage or special conditions abroad, such as the requirement to obtain approval before treatment.Call your insurance company to find out the special limitations of foreign, because they can not be mentioned in the brochures and policy statements.Cost. Most policies that provide coverage of treatment in the U.S. more expensive than the special treatment for foreign policy, because the cost of treatment in the U.S. more expensive.Special medical insurance is really only abroadAdvantages: Disadvantages:Cost. Most of the specific foreign policies are less expensive than a similar policy applies to the United States, because the cost of treatment abroad is less and because they exclude coverage in the U.S.No (or very limited) coverage in the U.S., if you become ill or injured abroad, a special foreign policy will not pay for treatment in the U.S.No cover pre-existing conditions. Note: UM / HTH policy does cover pre-existing conditions.Selection PolicyThere are several other policy options, in addition to those mentioned above, to consider before making a choice.Covering a total amount of coverage and interest. For example, can exceed $ 50,000 policy for medical evacuation purposes only. Or, $ 250,000 policy on the level of 80% may leave you with a big expense if you come to the policy limit (let alone exceed it).There are exceptions to the rule, long lists of exceptions (conditions or circumstances not covered by the policy) that you want to read. Examples include coverage during a brief return visit to the United States, injuries resulting from intoxication, specific sports, etc.Resources for health insuranceThe following list consists of a single campus resources to travel abroad health insurance.University of Michigan Travel Abroad Health Insurance administered by HTH Worldwide. This is a special plan for traveling abroad does not provide coverage in the United States, except in very limited follow-up treatment for the illness / injury while abroad. You need to have in place insurance that covers you in the U.S.Buy now and plan to expand the HTH Worldwide (Click on the University of Michigan, and then authenticate using a single uniqname and Kerberos password).Non-emergency situations, if you have such a plan:Phone Free in USA 888-243-2358Telephone abroad +1-610-254-8741studentinfo@hthworldwide.comDomestic Student Health Insurance Plan (Aetna Student Health)734.764.5182mancare-stuins@umich.eduFor UM students only: It's just policy, listed here are available to American students, which provides coverage in the U.S. and abroad.
For UM international students: you have mandatory health insurance requirements of the other plan that provides coverage in the U.S. and abroad. The policy is available through the UM International Center.Medical insurance for traveling abroadNote: Except for the University of Michigan / HTH policy list below policies should not be construed as an endorsement of them. UM / HTH travel abroad health insurance a comprehensive, flexible and affordable plan that can be purchased for single students, faculty and staff to cover during travel, work, study or volunteer abroad.The following plans can be considered as those of the right to UM / HTH plan:Gateway Meet Short Term plan is called "Gateway International", a long term plan "Gateway Global"Wallach and Company, Inc offers several short-term, and curricula.STA International license insurance coverage issues http://www.myisic.com/MyISIC/.This is a very simple insurance is automatically included with the International Student (ISIC), Teacher (ITIC) and the Youth Card ID. Although this insurance can complement a comprehensive medical insurance that you have a different policy, it is not sufficient as the sole health insurance.Medical Evacuation PlansNote: The University of Michigan Travel Abroad health plan includes both medical and political evacuation coverage.International SOS Scholastic Traveler offers or global plans Traveler. Plans for the evacuation or the evacuation of only plus insurance.Medex International provides evacuation plans, and only short-term training plans, and insurance.Additional ResourcesFor more listings of foreign insurance policies, see U.S. State Department, Medical Information for Americans traveling abroad page.