Health care coverage for study abroad program directions is essential.
You’ve worked hard to get your study abroad program up and running, and made sure all of the students have proper insurance coverage while abroad, but have you thought about your own coverage?
Insurance for Full-Time IU Employees
IU Medical Care Plans
If you are enrolled in one of the IU Medical Care Plans (through IU Health or Anthem), your insurance already includes overseas coverage. IU Human Resources gives an overview of this coverage on their website.
Anthem PPO Plans
- Hospitalization - You should not need to pay upfront for inpatient care at participating BlueCard Worldwide hospitals except for the out-of-pocket costs you would normally pay in the U.S. (non-covered services, deductible, co-payments and co-insurance). The hospital will file your claim if you arranged your stay through BlueCard.
- Doctor visits or non-participating hospitals – You will pay upfront for outpatient services, care received from a doctor, and inpatient care not pre-arranged through BlueCard. Then you will fill out a claim form and submit it to BlueCard Worldwide with the original receipts/bills attached.
BlueCard Worldwide provides links to claim forms, a medical translation tool, and country/city health profiles.
IU Health HDHP Plan
The IU Health HDHP Plan offers coverage out of its area and overseas in cases of emergency and urgent care only. Such care is paid in-network and reimbursed by submitting a paper claim form (PDF).
Travel AssistanceFull-time, benefit-eligible employees of Indiana University are automatically covered under the FrontierMEDEX Travel Assistance service that is included in the Basic Group Life Insurance plan. Please contact University Human Resources to verify that you are covered under this service: (812) 855-2007
Personal Accident InsuranceBenefit eligible employees of Indiana University may choose to enroll in IU’s Personal Accident Insurance plan which includes the service, CIGNA Secure Travel. This is an optional benefit with additional cost. It is not a part of the regular medical insurance plan. If you aren't already enrolled in personal accident insurance, then you can't add it until the next open enrollment period.
Other Domestic Health Insurance Policies for International Travel
If you are not covered by an IU Medical Plan, some domestic health insurance policies may provide coverage during international travel. Check your current health insurance policy to verify what type of coverage it provides and if it will cover you for the duration of your program abroad. If your current policy provides coverage, it may only cover accident or illness expenses outside of the U.S. We recommend that everyone traveling abroad get coverage for medical evacuation, which pays for the expenses to send the patient to a medical facility or back to the U.S. for medical treatment, and repatriation, which covers the expenses to return an individual's remains to their home country in the event of death.
Faculty and staff going on an IU study abroad program to provide program support may choose to purchase insurance coverage through HTH Worldwide at a discounted rate. They can choose between two insurance plans:
- Top-Up Plan ($10.40 per month)
- Blanket Student Accident and Sickness Insurance Plan ($29.90 per month)
Faculty or staff wanting to purchase one of these plans needs to submit the Faculty & Staff Insurance Enrollment Form to the IUPUI Study Abroad Office. Please contact the IUPUI Study Abroad Office if you have any questions (317) 274-2081; email@example.com.
To access an HTH Worldwide Insurance claim form, go here.
To research other insurance providers that offer international accident and sickness plans to cover you while abroad, go here.