Students participating on Rhodes’ international programs are covered by a comprehensive health and accident insurance plan mandated by Rhodes at no additional cost. Worldwide Insurance Services handles claims in various languages and from medical providers around the world. A schedule of benefits can be obtained from the Buckman Center for International Education. The categories of coverage provided are accident and sickness, emergency medical evacuation and emergency family travel, accidental death and dismemberment, and repatriation of remains.
Students will receive an insurance card with the information needed to receive services. Worldwide Insurance Services has a student website and doctor locator search feature. Students may log on at any time to find a local doctor or hospital which takes Worldwide Insurance Services’ plan. Please bear in mind that we cannot refer you to a specific doctor or hospital, nor does being on a U.S. Embassy or Consulate list, or the Worldwide Insurance Services list, mean that the College recommends that doctor or hospital. We are not responsible or liable for the professional ability or quality of service you may receive from a doctor on a list.
Students on non-Rhodes programs should check with their program to determine if insurance is provided. If it is not, comprehensive overseas medical coverage that includes medical emergency evacuation and repatriation of remains must be purchased independently.
What follows is a sample list of questions to consider when comparing insurance policies. This list is not exhaustive:
- Will the plan cover hospitalization for accidents and illnesses for the entire period while I’m abroad?
- Does the policy provide coverage in all countries to be visited?
- Is there a deductible? If yes, how much?
- Is there a dollar limit to the amount of coverage provided?
- What are the procedures for filing a claim for medical expenses abroad? Do I need to pay for expenses and then submit receipts to the insurance company for reimbursement? (Make sure that you get full information from your policy about how to arrange for routine treatment, medical emergency procedures, and what is required to pay for or be reimbursed for a claim. Many overseas health providers will not process American insurance claims and will expect payment at the time of treatment so students should have access to a minimum of $400 held in reserve for emergencies in the event that medical treatment is required abroad. Be sure to obtain receipts, information, and signatures needed by your insurance company to file for reimbursement.)
- Will I be required to pay cash in the currency of the host country and seek reimbursement later? What if I don’t have enough money to pay cash up front?
- What do I use as proof of international medical coverage (if I need to use the insurance or if the host government requires documentation)?
- If I am not a U.S. Citizen, will I be covered by your plan? (In some instances international students have had to arrange for coverage with a company in their home country).
- Will this insurance cover me in the U.S. for the insured semester if I decide, for medical or other reasons, to return before the end of the program? (If a student has a serious accident or illness abroad, most usually he or she will return to the U.S. for further care; it is therefore important the student carry coverage that applies not only abroad, but in the U.S. during the study abroad period.)
- Does the policy exclude injuries sustained from terrorism and/or acts of war?
- Does it include coverage for medical evacuation/repatriation?
- Does the insurance company require claims to be submitted in U.S. dollars?
- What kind of financial and medical documentation will be required, and is such documentation readily available in the host country?