Health Insurance Coverage

All students attending a JCMU program are covered by an accident and sickness program administered by HTH Worldwide Insurance Services, Inc (HTH). Students are enrolled automatically by the JCMU Office and are fully covered during the program dates while abroad. This policy also provides limited coverage for illness or injuries that occurred abroad once students return to the United States. This coverage starts on the last day of the program and lasts for 60 days.
We recommend students maintain their U.S. insurance coverage in case they are medically evacuated back to the United States. JCMU recommends that students and parents carefully review the insurance policy in order to fully understand the policy, its coverage and limitations.  Read the complete Student Accident and Sickness policy, including definitions, imitations and exclusions, or download a less detailed brochure.  Please read over all information carefully.
Students traveling before or after the program dates are strongly encouraged by JCMU to independently purchase extra coverage for additional travel. 

In the case of hospitalization, HTH will work directly with JCMU and the treating facility to arrange for direct payment of services.  In the event of a medical emergency, students should go immediately to the nearest physician or hospital and then contact HTH's emergency line. Collect calls from outside of the United States are accepted.

HTH Contact Information:

EMERGENCY LINE: 1(610) 254-8771

CUSTOMER SERVICE:   1(610) 254-8771 or studentinfo@hthworldwide.com         

HTH Worldwide:  1(877) 424-4325

COVERAGE HIGHLIGHTS INCLUDE: 

  • Zero deductible for the cost of treatment associated with a medical condition or injury.
  • A lifetime maximum benefit for medical or mental health care expenses to $1,000,000. The policy year benefit is limited to $500,000. Examples include:
    • Physician office visits
    • Inpatient office services
    • Hospital and physician outpatient services
  • The maximum benefit per injury or sickness is $500,000.
  • Medical evacuation lifetime benefit up to $200,000.
  • Professional ground or air ambulance services to nearest hospital up to $350.
  • Dental treatment to alleviate pain or tooth repairs due to an injury up to $500.
  • Bedside visit for qualified family member (conditions apply) up to $1,500.
  • Repatriation of remains maximum benefit up to $100,000.
  • Death or dismemberment benefit up to $25,000. There is a monetary allowance for loss of a limb or essential function (such as sight).  A death benefit of $25,000 is awarded to the next of kin.
  • 60 days coverage for continued treatment in the U.S. of a condition that began abroad.
  • Same coverage for program leaders accompanying the group (regardless of employment status).
  • Coverage for pre-existing conditions is included.

EXCLUSIONS: Please note that losses arising from participation in any professional sport, contest or competition; sky diving; hang gliding; or bungee jumping will not be covered.

INPATIENT SERVICES

HTH Worldwide has is able to make arrangements for direct billing at nearly 500 facilities around the world. Requests for direct billing should be made in advance of the scheduled hospital admission through HTH Global Health Services.

OUTPATIENT APPOINTMENT SCHEDULING

HTH Worldwide is contracted with more than 3,600 carefully selected doctors, dentists and behavioral health practitioners in 160 countries around the world. JCMU study abroad participants can search by location and review the professional background of HTH contracted physicians, choosing the one most appropriate to treat his or her medical condition. Requests for appointments can be made directly to the physician, or can be coordinated through HTH Global Health and Safety. Requests for direct billing should be made in advance of the scheduled appointment through HTH Global Health Services, so that an HTH Guarantee of Payment can be issued.

One month prior to program start date, your medical insurance ID card will be e-mailed to you. It may look like junk mail, so be sure to check your mail for anything with HTH in the subject line. Always carry your ID card with you while you are abroad. If you lose your card you can request an electronic version from JCMU by e-mailing us. 

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.

Should you need reimbursement for medical expenses, please refer to the HTH claim form for specific instructions. 

Flight and travel insurance are not included as part of the program fee.  Students interested in purchasing flight and travel insurance should do so independently.