Health Insurance for Study Abroad

Health Insurance Requirement

In order to comply with the University of Missouri Collected Rules and Regulations regarding health and safety standards for University-sponsored study abroad programs, the University of Missouri, Columbia, requires that all participants in MU study abroad programs verify their enrollment in a comprehensive health insurance policy that will provide them with comprehensive coverage while they are abroad that is equal to or greater than the coverage provided by the HTH Worldwide Blanket Student Accident and Sickness Policy.

Whether you are enrolled in the University of Missouri Student Health Plan, a plan through a parent's employer, or another type of plan, it is essential for you to be familiar with the coverage that you will have and the procedures that you will be required to use while overseas.

Your domestic health insurance policy may not cover you while overseas, as many policies have strict coverage limitations, or only cover medical emergencies abroad

If students find that they do not have insurance that will provide them with coverage abroad that is equal to or greater than the HTH Worldwide Sickness and Accident Policy, they must agree in writing to purchase the HTH Worldwide Blanket Sickness and Accident policy for Study Abroad.   Students participating in Faculty-led programs administered by the MU International Center and participants in study abroad programs administered by the College of Agriculture, Food and Natural Resources (CAFNR) will be enrolled in the HTH Worldwide Sickness and Accident Insurance by their Program Directors.

Benefits

In addition to providing comprehensive sickness and accident insurance, the HTH Worldwide policy provides emergency travel medical insurance, including coverage for medical evacuation and repatriation of remains, which generally is not provided by domestic insurance policies.  HTH also has identified a network of doctors worldwide who will provide treatment and file claims on your behalf without requiring payment at the time of treatment. Prior to departure for study abroad, HTH assists students in establishing treatment for on-going medical conditions while abroad (including doctor visits and continuing medications). For a brief summary of the features and benefits of the MU Study Abroad Insurance plan, please see the policy brochure .

Medex Security Rider

In continued commitment to the health, safety, and security of MU students, faculty, and staff abroad, the Study Abroad Offices on all four UM campuses and the UM Office of Risk and Insurance Management have indentified and partnered with Medex to enhance the insurance provided to study abroad participants.  Medex is a leading provider of international travel assistance services, including 24-hour security-related assistance services for MU students while traveling 100 miles or more away from home or outside their home country.   The Medex Secure Rider for study abroad students includes Political Evacuation Services, Security Evacuation Services, Transportation after Security or Political Evacuation, and Real Time Security Intelligence.  Print your student Medex ID Card and always carry it with you when travelling.

Effective February 1, 2009, study abroad participants are automatically enrolled in the Medex Security Rider when they purchase the HTH Worldwide Blanket Sickness and Accident Policy for Study Abroad. 

Enroll Online

The fee for HTH Health Insurance and the Medex Secure Rider is $47.00 per month.

MU Study Abroad participants can enroll online for both policies at HTH Worldwide (credit card only).

Enter the access code CBK-2348 in the box on the left hand side for the University of Missouri Study Abroad plan. Each participant must enter the start date and end dates for his/her study abroad program. Study abroad participants are required to maintain enrollment throughout the entire duration of the study abroad program. Note: If you do not have a credit card, see Allison Barlows, Study Abroad Assistant, in the International Center, N52 Memorial Union, to obtain a hard copy of the enrollment form.

After you have enrolled in the MU Study Abroad Insurance plan and received your Medical Insurance ID card from HTH Worldwide, visit: http://hthstudents.com. Using the certificate number of the front of the card, sign in to the site to obtain comprehensive information relating to this plan, including a doctor locator, city health profiles and translations of medical terms and phrases. Your family can access this same information by logging in to: http://www.hthparents.com. They will need your insurance ID card number or your e-mail address in order to sign in.