|Health Insurance Provider for 2010-2011|
|Baylor's current Study Abroad Health Insurance provider is Academic Health Plans. You can get more informtation by going to their website: www.academichealthplans.com/baylortravelabroad|
Health InsuranceEffective in Spring 2004, all students studying/traveling abroad on Baylor University programs are required to enroll in a health insurance plan That is authorized by Baylor University. This insurance plan is required for several reasons:
- Family health insurance policies usually do not include several provisions that are vitally important during travel abroad, such as adequate coverage for medical evacuation and repatriation, arrangements for local-currency payment to international hospitals, or access to a 24-hour assistance line for international emergencies.
- Uniform coverage of all students through a single provider will help Baylor faculty and staff to respond quickly and effectively to medical emergencies.
- By uniting our study abroad students in a single insurance pool, we are able to negotiate very favorable terms for this policy. For a relatively small premium, the policy provides broad coverage (without pre-existing condition limitations), a variety of enrollment options, and a wide range of information services from HTH Worldwide.
- Individual Enrollment - In this case, each student will enroll individually through the Baylor section of the study abroad web site, and will make payment on-line with a credit card. (All EXCHANGE/AFFILIATE programs require individual enrollment)
- Roster Enrollment - In this case, the program director will gather enrollment information from the students for submission to the study abroad health insurance company, and the insurance premium will be included with other travel expenses in the program fee. (Almost all GROUP programs use roster enrollment but you will receive more information from the faculty program director as the departure date nears.)
- Basic medical expense up to $250,000 per incident with no deductible and no pre-existing condition exclusion. When family insurance coverage is primary, the study abroad insurance will pay deductibles and will handle initial payments to international hospitals.
- Emergency medical assistance services handled by Scholastic Emergency Services (SES). SES's operations center is staffed 24 hours a day, 365 days a year with trained multilingual and medical personnel including nurses and doctors, to advise and assist you quickly and professionally in a medical emergency.li>
- Expenses for dental treatment resulting from an accident, up to $250 per tooth
- Repatriation of Remains
- Hospital Room and Board: Semi-private accommodation
- Prescription Drugs
- Emergency Family Reunion Benefit
- Expenses for x-ray services, laboratory tests and services
- Emergency 24-hour Telephone Assistance