Health Issues

Health insurance coverage

All students participating in MSU study abroad programs are covered by a relatively inexpensive mandatory accident and sickness program administered by HTH Worldwide Insurance Services, Inc (HTH). There is no need for you to enroll since this is automatically done by the Office of Study Abroad. This program only covers students while they are abroad and will not cover students in the United States. (Coverage will be provided by OSA for students participating in programs that have portions in the US, including the Virgin Islands.) It will also not cover international students in their home country. Maintain your U.S. insurance coverage in case you are medically evacuated back to the United States. Refer to the “Forms and Documents” section of our Website for both a one-page summary of coverage and a detailed insurance description that includes information about obtaining coverage outside of the program dates.

HTH Student Accident & Sickness Complete Policy July 1, 2007-August 14, 2008

Note that certain high-risk activities, such as hang gliding, parachuting, and/or bungee jumping, are excluded from coverage. Therefore, any illness or injury that results from participation in these activities will be treated at the cost of the student and no claims will be paid by HTH for treatment associated with these activities.

One month before your departure, your medical insurance ID card will be sent to your permanent address and will arrive in an envelope that looks like junk mail, so be checking for mail with the HTH return address. Always carry your ID card with you while you are abroad.

Should you need reimbursement for medical expenses , submit the claim form and receipts within 90 days. Only complete the claim form if you incurred medical expenses that exceeded $50.

Flight and travel insurance are not included as part of the program fee. Flight insurance may be purchased at most international airports. Flight insurance covers you only when you are on the airplane and will not remove the need for more inclusive coverage. Should you wish to secure travel insurance for your luggage and other personal effects or cancellation coverage, an insurance agent or travel agent can provide you with this information.