It is important that you and your family/guardians assess your personal medical situation, and decide what level of insurance protection best meets your individual needs while studying abroad. Begin by contacting your current insurance company to ask about obtaining medical care overseas. You or your parents/guardians may already have coverage through an HMO, PPO, or similar plan, and it may be possible to add a rider to that policy that would also cover some overseas care.
Excess Insurance Coverage with ISIC
The ISIC, supplied to you by SU Abroad and included in your program fee, provides medical insurance, including medical evacuation and repatriation. The ISIC Premium Plan is designed as a secondary form of insurance coverage: any claim is first submitted to the primary insurance company and then unpaid bills are submitted to ISIC. For students whose primary insurance does not provide coverage overseas (e.g., Medicaid and similar plans), there is the option to submit the claim directly to ISIC for review, along with a signed affidavit available on the ISIC website. In such cases, ISIC will review and consider processing as the primary rather than secondary insurer. Please review the coverage details of the ISIC Premium Plan by visiting www.myisic.com .
Filing a Claim While Abroad
Carry your primary insurance card as well as your International Student Identification Card (ISIC) and International SOS (ISOS) cards with you, as they will be helpful in the case of an emergency. Most foreign hospitals do not recognize U.S. insurance and will not bill your insurance company directly. Therefore in most cases you will have to pay for services upfront and then file a claim for reimbursement.
- Keep copies of all medical bills and have them translated to English.
- Keep receipts for any payments you make.
- You are responsible for follow-up on any insurance claims, both with your primary insurance provider and the ISIC insurance provider.
- Make sure you know how to file a claim with your insurance company and have copies of any required forms that you may need to file a claim.
Contact the ISIC insurance provider 24/7, by calling 305-455-1571 from outside the USA; 855-277-4587 from the U.S.; or via email at email@example.com.
Personal Property Insurance
ISIC does have limited coverage for loss of personal property. However, many students bring valuable equipment such as laptop computers and cameras overseas, and the limited benefits provided by ISIC may not be adequate to cover these items. To protect your possessions against fire, theft, vandalism, or other casualty, you may want to consult your parents’/guardians’ homeowners insurance as you may already have coverage available. If not, you may want to explore the possibility of obtaining additional coverage to protect the value of your possessions. We advise you to review the insurance coverage outlined on the ISIC website , to determine whether the ISIC coverage will be adequate for your purposes.