To study abroad you must have medical and hospitalization insurance that is valid internationally.
In addition, you must have insurance for medical evacuation and repatriation.
NOTE: Requirements vary by study abroad program
- Beloit College Programs: Students who participate in Beloit College study abroad programs must sign up for one of two health insurance policies for your time abroad: SAS Insurance, if you are covered by Beloit College’s group health insurance; or CMI Insurance if you are not.
- Third-Party Providers (such as ACM,CIEE, IES, SIT): Students participating on study programs offered by third-party providers (non-Beloit programs) will need to sign up with the insurance package required by that program.
- Direct Enrollment: Students enrolling directly in a university abroad should check with the university to see what it requires for insurance. If it does not cover emergency medical evacuation and repatriation, you should supplement their coverage by signing up for one of the recommended policies.
Recommended Policies: For students participating in Beloit College programs, or enrolling directly in a university abroad that does not require a specific insurance, Beloit recommends that students purchase either CMI or SAS insurance.
- CMI Insurance (http://www.cmi-insurance.com/)
- SAS (Student Assurance Services) – http://sas-mn.com/students.html
Which Package do I Purchase? 1) CMI is for all students NOT currently on the Beloit SAS insurance program, who are covered by another insurance policy (i.e. parent’s insurance). 2) SAS is for students who ARE covered by the Beloit SAS insurance program. Also, SAS is for any student who plans on engaging in extreme sports, such as mountain climbing, SCUBA diving, or hang gliding, etc. You may wish to purchase SAS insurance in addition to your current health insurance, as CMI will not cover injuries incurred during those sports.
How Do I Sign up for CMI? This insurance should be purchased in addition to your existing health care policy to ensure continuation of benefits should you become sick or injured abroad and need to come home.
You can sign up with CMI on-line in four simple steps.
- Browse. Go to CMI’s webpage at the following link: http://www.cmi-insurance.com/
- Read. Read the description of benefits. You can choose either the Basic Plan A or the High Option Plan B (slight cost difference). They both have a $50 deductible. The difference is that the Plan B will pay 100% of your medical expenses, while Plan A will pay all of the first $5,000, then 80% of the next $10,000, then 100% of any expense over $15,000 up to the maximum of $500,000.
- Enroll. To enroll, click on “Enroll” on the menu at the top of the page. Fill out the form on the enrollment page. You will need your passport number and your departure and return dates. When the form is complete, click “Next Step.” On the next page, you will be asked to pay by credit card, so have that information ready, as well.
- Print and send. IMPORTANT: Print out three copies of the confirmation page. Send one copy to OIE, another to your parents, and keep one for yourself when you travel! Office of International Education requires a copy as proof of your enrollment before you study abroad.
How do I sign up for SAS? New SAS enrollment brochures and enrollment forms will be available in April, 2008.
- Get the SAS Brochure and Forms. When the brochures and enrollment forms are available, OIE will send them to you through e-mail. You will also be able to access the form on the Moodle site for Study Abroad.
- Enroll. You can then enroll directly with SAS, following the instructions on the brochure. You will pay the premium for all the months of your coverage in one lump sum. If SAS Beloit is your primary domestic policy, then you will pay the yearly premium which will cover you both on campus and abroad.
- Copy and send. Send OIE a photocopy of your enrollment confirmation (i.e. your insurance card), which you should receive within about two weeks from enrollment. Also, make sure to give a copy of your enrollment confirmation to your parents and keep a copy with you when you travel.
Is SAS All-Inclusive, or do I need Additional Insurance?
- Already on Beloit SAS Insurance? If you are already on the SAS Beloit College insurance policy and plan to continue to be covered by it, you will pay the yearly premium, just as though you were studying on campus all year. This will cover you abroad as well as at Beloit. Should you become ill or injured abroad and need to continue care in the US, your benefits will continue uninterrupted when you come home. When you enroll in or renew your policy, you will receive a brochure from Assist America in your packet outlining the procedures for handling medical needs abroad, including an emergency phone number.
- Extreme Sports? SAS is the only plan that will cover injuries caused by extreme sports, such as mountain climbing, SCUBA diving, parachuting, etc. If you are covered by your parents’ policy or another non-Beloit insurance plan but want to purchase SAS study abroad insurance to cover extreme sports, then you will need to pay the monthly premium in addition to your existing insurance. This will ensure that your care will continue should you be injured or become ill while abroad and need continued care in the US. You will pay the premium in one lump sum for the number of months you will be abroad.
How do I sign up for insurance if I am enrolling directly or on a third-party program?
You can obtain information about health insurance from your host university or third-party provider. Most information is available on their websites. Please direct your questions about those programs directly to their staff. If you find that their insurance policies are not sufficient, you may wish to supplement them with one of the policies listed above.
Please inform the Beloit Office of International Education about the policy by which you will be covered using the insurance information form.
If you have questions about these health insurance options, please contact Josh Moore, Associate Director, Office of International Education at (608) 363-2831 or at email@example.com.