Health Insurance Coverage
All students participating in JCMU study abroad programs are covered
by an 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 JCMU Office. This program only covers students
while they are abroad and will not cover students in the United States.
We recommend students maintain their U.S. insurance coverage in case
they are medically evacuated back to the United States. Click here
for a one-page summary of coverage and a detailed insurance description,
including information about obtaining coverage outside of the program
dates. This document summarizes information regarding your study abroad
student insurance coverage. It is not intended to be inclusive but to
supplement the certificate of insurance (available from the JCMU Office
upon request). Please read over all information carefully to obtain
full understanding of your coverage.
JCMU recommends that students and parents carefully review insurance policy. Please make sure you fully understand the policy, it's coverage and limitations:HTH Student Accident & Sickness Complete Policy July 1, 2007-June 30, 2008 (pdf)
Your medical insurance ID card will be sent to your permanent address and should always be carried with your while you are abroad. Should you need reimbursement for medical expenses, submit the claim form and receipts within 90 days. You 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.
If you should have any questions regarding this coverage before your departure, contact Kate Simon, Program Coordinator, Japan Center for Michigan Universities at simonka3@msu.edu or (517) 355-4654.