Comprehensive Health Insurance Options
All students are required to have comprehensive health insurance that will cover them for the full duration of their stay while abroad. Students may purchase insurance through Brown University’s plan, which provides domestic and limited international coverage, or utilize another plan with comparable coverage to Brown’s plan that includes both domestic and international benefits, limitations, and exclusions. Please refer to the Office of Insurance and Purchasing Services website for more information about the Brown plan; students who elect insurance coverage through another plan should contact that health insurance company to verify that they are covered internationally. NB: Students on a leave of absence during the semester prior to study abroad — or spring semester students who were not enrolled in the Brown insurance plan during the fall — should contact the Brown Office of Insurance and Purchasing Services about enrollment policies and procedures.
Under Brown University policy, all students will automatically be enrolled in, and charged for, the Brown Student Health Insurance Plan unless they complete an online waiver by the deadline established by the Office of Insurance and Purchasing Services. This ensures that all students have adequate medical coverage and access to comprehensive medical care.
Below are some questions to consider as you investigate your overseas health insurance options:
- Will this plan cover hospitalization for accidents and illnesses for the entire period while you’re abroad? (Some policies might cover medical expenses for brief stays abroad, but not for the full term of a study abroad program)
- Will this plan cover doctor visits and medication prescribed abroad?
- Is there a deductible? If yes, how much?
- Is there a dollar limit to the amount of coverage provided?
- What are the procedures for filing a claim for medical expenses abroad? Do you need to pay expenses up front and then submit receipts to the insurance company for reimbursement? Make sure that you get full information from the policy about how to arrange for routine treatment, medical emergency procedures, and what is required to pay for or be reimbursed for a claim.
- When does the plan begin and end?
- What do you use as proof of international medical coverage (if you need to use the insurance or if the host government requires documentation)?
- If you are not a U.S. citizen, will you be covered by your plan? (it has been our experience that international students must arrange for coverage with a company in their home country. Most of the policies we have looked at do not cover international students traveling in a country other than the U.S.)
- Will this insurance cover you in the U.S. for the insured semester if you decide, for medical or other reasons, to return before the end of the program? (if students have a serious accident or illness abroad, they may need to return to the U.S. for further care; it is therefore important that the student carry coverage that applies not only abroad, but also in the U.S. during the study abroad period)
- Does the plan cover pre-existing medical conditions?
- Does the plan cover psychological conditions and counseling services?
- Does the coverage meet the minimum coverage amounts required by the host country?
Students must provide the Office of International Programs with information regarding their insurance policy in the Health Insurance section of the OIP Horizons application system.
Students studying on an Approved Alternative or Petition program should also check with their program provider regarding their own insurance requirements and policies.
Brown Accident & Sickness Insurance Plan
In addition to the comprehensive coverage provided by their own health insurance, all Brown students and non-Brown students participating in Brown programs or Brown-administered CASA programs are automatically covered – at no cost – by an accident and sickness insurance plan designed for students, faculty, and staff traveling on a Brown-related sojourn abroad.
The plan covers you during your study abroad program dates only (leisure travel before or after program is not covered), if you experience an illness or accident abroad (but not routine physical exams/checkups when you are not sick). This plan is NOT designed to replace your regular health insurance (students will not be able to waive the regular student health insurance plan with this accident and sickness policy).
There are no copay or costs associated with medical treatment or medication if a student becomes hurt or sick while traveling abroad. However, you must contact International SOS directly (referencing Brown’s group membership ID #11BSGC000031) to utilize the plan. Please refer to the Brown Office of Insurance and Purchasing Services web page for further information, including a brief description of the plan’s coverage and benefits.
Interested students may also purchase a supplemental leisure coverage plan if they anticipate travelling before or after their study abroad program dates. See the Brown Insurance Office page for further information.