Health Insurance While Abroad
It is important for you to have adequate health insurance coverage while you are abroad. As a Butler study abroad student you are automatically enrolled in overseas insurance. In many countries, foreigners must prove that they have medical insurance before they can be treated and are often required to pay cash up-front. No matter where you go or what treatment you may seek, save all medical bills and receipts. Your insurance card and details are found on your online application.
Additionally, check to see if your current medical coverage is valid outside of the United States. Find out how you would file a claim from abroad and how the insurance company would handle the claim.
If the Butler insurance satisfies your study abroad and visa requirements, you can request a letter to demonstrate this. Please go to your online application's "Insurance" material to see how to request this letter.
If the Butler insurance does not satisfy your study abroad or visa requirements, you are advised to enroll in an additional policy. If studying through a 3rd Party Provider, you may be required to purchase health insurance through their organization. Certain countries, like Australia, require you to purchase the national health insurance as part of your visa process. Other BU Exchanges will provide guidance on how to purchase health insurance through your host country. If none of these options are available to you, you are encouraged to contact one of the companies listed under the "Supplemental Insurance Providers" header below, all of which offer supplemental insurance for international study.
How to use AIG overseas insurance (provided by Butler):
Print insurance card and carry it in your wallet while abroad (card is found in your online application)
Go the doctor/hospital ASAP and receive appropriate medical attention
Notify faculty/resident director and family of the situation ASAP
Pay for medical expenses out of pocket. Most foreign medical facilities will not directly bill the insurance company.
Keep all of your receipts.
Contact the Center for Global Education to submit a claim to be reimbursed. There is a $100 deductible.
Health Insurance Visa Requirements for the Schengen Visa
The Schengen area is comprised of the following 26 countries that have agreed to allow free movement of their citizens within this area as a single country: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland, Liechtenstein
If you are studying in a country in the Schengen area, you will need to show proof of adequate international health and travel insurance as part of your visa application process. This includes:
- Medical coverage of at least 30,000 EUR
- Must cover emergency medical evacuation and repatriation of remains
As part of this requirement, you will generally need to produce what they call a “Visa Letter,” written by your health insurance company on their company letterhead, that outlines what the plan coverage is, confirms the insured is covered, and provide other information about the plan that you have purchased. Here is a sample Schengen confirmation of coverage letter for you to refer to.
Supplemental Insurance Providers
The following supplemental insurance providers are options for your consideration. Butler University does not endorse any specific insurance plan. Those listed below are provided for your information and reference. Your decision to purchase coverage from any provider should be made after careful examination of policy coverage. Please contact the policy provider directly for any specific plan questions you may have.
Champion Insurance Advantage, Ltd.
HTH Worldwide Insurance Service
International Scholastic Overseas Service (SOS)
Tel: (800) 821-2828
International Student Identity Card (ISIC)
The ISIC can be valuable when studying abroad. It is recognized worldwide and immediately proves that you are eligible to receive available discounts on travel, accommodations and admission to museums, theaters and other cultural activities in more than 90 countries. It offers savings of up to 50% over commercial fares on intra-European travel and many other benefits, including illness and accidental death insurance coverage. Additionally, a 24-hour help line is available to holders of the ISIC. The number to call in any emergency is +1 (713) 267-2525; you must mention the group number you were given by the agent who issued you the card. Take this number with you as it is *NOT* written on your ISIC card.
Supplemental travel insurance is also included with the purchase of your ISIC. You can choose between Basic Insurance, Premium Insurance, or Explorer Insurance. Descriptions of each type of insurance, as well as the ISIC application, can be found here.
Some study abroad programs will automatically provide you with this card and you should check with your program directly to see if this is the case. Processing time is 15 days, but can be expedited for a fee.