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Introduction |
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All students should refer to the information
below to determine if their medical insurance coverage is
sufficient. Be aware that since many program
sponsors include some
type of insurance coverage for the duration of the program,
you may wish to communicate with your program sponsor
directly about the details of the coverage. In some
cases, program sponsors may be able to extend the dates of
coverage beyond the dates of the program for you for only a
minimal fee.
Specific questions regarding medical insurance should be
directed to your program sponsor, where applicable.
Students studying in Australia also should
read about mandatory
Australian
Overseas Student Health Cover (OSHC).
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The ISIC & Claremont Colleges' Insurance |
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All students on both Pomona Programs and Non-Pomona Programs will receive the
International Students Identity Card (ISIC) either from the OSA or their program
sponsor. Please note that the insurance included in the ISIC is supplemental only and does not meet
the required amounts of medical and accident coverage equal
to or better than the Claremont Colleges
2006-2007 Student Accident and Sickness Medical Expense
Insurance Plan (PDF Document) While the amounts of
coverage in the Claremont Colleges' plan are used as a
guideline to insure students have coverage equal to or
better than the coverage they would have at Pomona College,
please note that the Claremont Colleges Student Accident and
Sickness Medical Expense Insurance Plan is not specifically
designed for study abroad students. Students may find
that, while they are abroad, another policy designed for
study abroad students will more adequately meet their needs.
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More on the ISIC |
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The ISIC provides limited insurance, travel discounts and
other benefits. A summary of the ISIC insurance
coverage and benefits can be found at:
http://www.isicus.com/cardholders/summaryofbenefits/index.aspx
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| Does your program sponsor
provide insurance? Is it sufficient? |
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Your study abroad program may include a mandatory health insurance plan in the
program fee. If insurance is included with your program, please contact your
program sponsor directly to find out more information about the specific plan in
order to determine if coverage is sufficient for your own individual needs. Keep
in mind that the policy may be restricted to the dates of your academic program.
Remember to inquire about this if you plan to travel prior to or following your
program.
If you choose to maintain insurance coverage provided by your program sponsor as
your only health coverage during your semester abroad, please provide the full
details on the Insurance Authorization Form. If you plan to maintain your own
health insurance in addition to the coverage included with your program, please
provide the full details of your own coverage on the
Insurance Authorization
Form.
Non-Pomona Program participants should refer to their program materials to
determine whether their program provides coverage. |
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| I need
additional health insurance -- how do I find a plan? |
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Listings do not imply endorsement by Pomona College. The
following is a sample of companies which offer health insurance designed for study
abroad students and which sell plans to individuals: HTH
Worldwide (formerly Hinchcliff International),
http://www.hthworldwide.com/
Gateway International (Marsh/Seabury & Smith),
http://www.gatewayplans.com/
Wallach & Company, Inc., http://www.wallach.com/newsite/hcglobal2000.asp
Cultural Insurance Services International (CISI),
http://www.culturalinsurance.com/
Liaison International,
http://www.specialtyrisk.com/
CMI Insurance Specialists,
http://www.studyabroadinsurance.com For more listings you may wish to review the U.S. Department of State Medical
Information for Americans Traveling Abroad,
http://travel.state.gov/medical.html
The OSA maintains brochures on insurance plans designed for study abroad
students in our Resource Library.
Stop by our office to find out more about your options.
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| Questions
you should ask insurance providers |
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- Does the plan cover visits to the doctor or medication prescribed while
abroad?
- Does the plan include hospitalization coverage for accidents and illnesses
while abroad?
- What is the maximum amount of coverage that is provided?
- Are there deductibles? If so, what are they?
- Will the plan include Emergency Room expenses?
- What is the coverage for medical evacuation?
- In the event of death, what is the coverage for repatriation?
- What do you do under the plan if you have to pay cash up front and have no
money?
- Does the plan enable you to have continuous coverage before, during, and
after you go abroad?
- Does the plan cover expenses incurred in the U.S. (or home country) should
you need to return for treatment? If so, what is the maximum amount of
coverage provided?
- What are the procedures for filing a claim? How long does it take for
reimbursement?
- When does the plan begin and end?
- Does the plan assume it is the primary or secondary carrier? If it is the
secondary carrier, when does coverage begin? How much does the primary carrier
have to pay before the secondary carrier assumes coverage?
- Is there a booklet explaining the coverage in detail?
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| Other things
you need to know about the plan you select |
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- What is the process for enrolling?
- If you find it necessary to use your insurance, what do you show as proof
of worldwide coverage?
- If you obtain medical assistance while abroad, when and how should you
inform the agency?
- What documentation of expenses is required? Does the bill need to be in
English and the amount of the charges in U.S. dollars?
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