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Medical Coverage

 

Tufts University is proud to offer comprehensive Emergency Travel Medical Insurance for everyone traveling on a university-related international trip. 


This insurance program is primary travel medical insurance coverage, and because of the relationship between International SOS (ISOS) and the insurance provider (Nationwide), responding to a health-related incident abroad is as easy as it gets. The plan covers medical expenses, including hospital room and board, inpatient and outpatient surgical procedures, emergency outpatient care, labs and x-rays, inpatient and outpatient mental health, physician office visits and prescription drugs.

If you need medical assistance abroad, simply call ISOS. ISOS will assess your medical need, make an appointment with a carefully vetted health care provider at your location, and also render necessary payments to the provider.  This makes the International SOS your “one-stop shop” for travelling abroad: from pre-trip security advice, to assistance with lost passports, to arranging and paying for emergency medical care abroad.

All Tufts-Travelers on university-related international travel are eligible.  In order to confirm coverage, your trip must be registered with the Tufts Travel Registry. This will ensure that International SOS can verify that you are a Tufts traveler and entitled to this benefit.

If you are an international student, staff, or faculty member, traveling to your home country, even on university-related business, please be advised that the medical coverage cannot be applied. 
 


Plan Summary

Tufts University International Travel Medical Insurance
Summary of Benefits 2018-2019

Eligibility:
Sponsored Students; Faculty, Staff or Other Employees and their Spouses and Children; Parents and Other Volunteers or Chaperones; Trustees; or Other Persons with a current passport or student visa, who are temporarily traveling outside the United States, as part of a Sponsored Trip of the participating organization outside their country of residence or permanent assignment.

 Plan Design:
All Coverages and Benefits are in U.S. Dollar Amounts:
Accident and Sickness Medical Maximum

 

Accident and Sickness Medical Maximum
  • Physician Office Visits
  • Hospitalizations
  • Diagnostic tests
  • Ambulance Services
  • Prescription Drugs
  • Mental Health
$500,000 per calendar year
Emergency Dental Treatment $2,000 per calendar year
Deductible $0
Pre-Existing Conditions covered
Accidental Death & Dismemberment $10,000 principal sum


 
Frequently Asked Program Questions:
 

Who do I contact if I need help when I’m overseas?
 
If you have an emergency call International SOS: 1-215-942-8478
 
Who do I contact if I have pre-trip medical or security questions?
 
Travelers should visit their school’s online portal with International SOS to familiarize themselves with the services that International SOS offers travelers while they are abroad. Please go to www.internationalsos.com and at the prompt for the Members’ website log in enter your school’s International SOS membership number, 11BCPS000093. If you have a pre-trip medical or security related question or emergency while overseas, please call collect to the 24-hour International SOS alarm center in Philadelphia:  1-215-942-8478 The alarm center is staffed by doctors, logistics coordinators and security experts. International SOS alarm centers can provide medical advice, assistance in your location, or arrange for an evacuation.
 
 What are some of International SOS services?
 
Medical evacuation and repatriation coordination; political and natural disaster evacuation coordination; payment of overseas medical bills; coordination of all benefits with the plan administrator; full coordination with the International SOS credentialed medical provider network worldwide. In addition, transportation to join a hospitalized member, return of minor children, and return of traveling companion.
 
Who do I contact if I have questions about how the international travel medical insurance plan works?
 
University Health Plans
1-800-437-6448
Email: info@univhealthplans.com
 
Who do I contact if I have questions about a specific claim or a claims payment?
 

Cigna
P.O. Box 15111
Wilmington, DE 19850
1-800-243-1348
 
 
Enrollment/Eligibility
 
How do I enroll?
 
You need to register your university-related travel with the Tufts Travel Registry. If you are an international student, staff, or faculty member, traveling to your home country, even on university-related business, please be advised that the medical coverage cannot be applied. 
 
Do I get an ID card?
 
You will receive an International SOS membership card, which will include the 24-hour International SOS Alarm Center phone number. You will not receive a separate insurance ID card.
 
 
Medical Insurance Plan Benefits
 
What is covered under the International Travel Medical Insurance Plan?
 
The plan covers medical expenses, including hospital room and board, inpatient and outpatient surgical procedures, emergency outpatient care, labs and x-rays, inpatient and outpatient mental health, physician office visits and prescription drugs. See policy schedule for a full list of benefits.
 
Payment will be made as allocated for covered medical expenses incurred due to a covered Accident or Sickness, not to exceed a Maximum Benefit of $500,000 per calendar year.
 
How is prescription drugs covered?
 
Prescription drugs are covered at 100% of the actual charge
 
What if I have a pre-existing condition, am I covered?
 
Yes, there is no exclusion. 
 
Does this plan have a deductible? 
 
No. Deductible means the dollar amount of Covered Expenses that must be incurred as an out-of-pocket expense by each insured before payment is made by the claims company.
 
Claims Processing
 

If International SOS pays for my medical bills how is International SOS reimbursed?
 

If International SOS fronts money for medical treatment, the claim will be automatically sent to Cigna and International SOS will be reimbursed directly from Cigna.
 
What should I do if I pay out of pocket for medical services?
 
When outside of the US you may be asked to pay for medical care first and submit a claim. The claim form is provided by the school. Please include the following with your completed claim form: documentation/receipts from the treating physician or hospital including the date of treatment, the diagnosis, and charges for the treatment.
 
Cigna
P.O. Box 15111
Wilmington, DE 19850
1-800-243-1348
www.CignaEnvoy.com