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Health Insurance for Study Abroad Students and Employees
Traveling Outside the United States for University Business

 
Enrollment Procedure
HTH Worldwide
Medical Expense Benefit
Covered Medical Expenses

Forms and Brochures for Study Abroad Health Insurance 		Repatriation
Medical Evacuation
Notice of Claim
General Medical Expense Benefit Policy Exclusions
 


Study Abroad Health Insurance

The safety and well being of University employees and students who travel outside the United States for University-related activities is of paramount importance. To best meet the medical needs of those who travel abroad, Northwestern University requires all students to obtain health insurance from HTH Worldwide and strongly recommends that faculty and staff do likewise.

Some external study abroad programs require students to purchase insurance coverage through their program. In those cases where the program requires HTH health insurance, Northwestern students are not required to purchase HTH through Northwestern but must submit evidence of HTH coverage at the mandatory Pre-Departure Orientation.

Northwestern University

STUDY ABROAD PROGRAMS

Information on

HTH WORLDWIDE
International Assistance,
Emergency Evacuation and Repatriation
Accident and Sickness Insurance

Administered By:

HTH Worldwide
One Radnor Corporate Center, Suite 100
Radnor, PA 19087
Phone (610) 254-8771 FAX (610) 293-3529

In the event of an emergency, please consult your HTH Identification Card for the appropriate toll-free access number or call HTH collect at:

(610) 254-8771 - United States
(800) 257-4823 Toll-Free Inside the U.S.

This is a brief summary of the features for insured participants. For complete details, please refer to the Certificate of Insurance . Enrollment instructions are included at the end of the summary.

MEDICAL EXPENSE BENEFIT
If while insured a Covered Person incurs expenses due to an injury or sickness as defined in this policy, the company will pay the Reasonable Charges for the Covered Expenses listed below. All Covered Expenses incurred as a result of the same or related cause (including any complications) shall be considered as resulting from one Sickness or Injury. The amount payable for any one Sickness or Injury will not exceed a maximum benefit limit of $250,000 subject to the deductible amount and co-payment levels. The expenses must be incurred within 52 weeks of the date of Injury or commencement of Sickness, and the Covered person must remain continuously insured.
COVERED MEDICAL EXPENSES
Indemnity Plan Limits
Physician Office Visits 100% of Reasonable Expenses
Inpatient Hospital Services 100% of Reasonable Expenses
Maternity Care for a Covered Pregnancy Reasonable Expenses. Conception must have occurred while the Covered Person was insured under the Policy
Inpatient treatment of mental and nervous disorders including drug or alcohol abuse Reasonable Expenses up to $5,000 Maximum per Lifetime for a maximum period of 30 days per Lifetime
Outpatient treatment of mental and nervous disorders including drug or alcohol abuse Reasonable Expenses up to $1,000 Maximum per Lifetime
Treatment of specified therapies, including acupuncture and Physiotherapy Reasonable Expenses up to $10,000 Maximum combined total for Inpatient and Outpatient care, up to 30 days immediately following the attending Physician's release for rehabilitation following a covered Hospital confinement or surgery per Policy Year
Therapeutic termination of pregnancy Reasonable Expenses up to $500 per Policy Year
Medical treatment arising from participation in intercollegiate, interscholastic, intramural or club sports Reasonable Expenses up to $5,000 Maximum per Injury or Sickness
Repairs to sound, natural teeth required due to an Injury 100% of Reasonable Expenses up to $500 per Policy Year Maximum
Outpatient prescription drugs including oral contraceptives and devices 100% of actual charge
Professional ground or air ambulance service to nearest hospital Reasonable Expenses up to $350 per Injury or Sickness
REPATRIATION - $25,000
If a covered person dies, the Company will pay the necessary expenses for repatriation of the Covered Person's remains to the person's home country or country of regular domicile. This benefit covers the legal minimum requirements for the transportation of the remains, but does not include the transportation of anyone accompanying the body or visitation or funeral expenses. Any expenses with respect to repatriation requires prior approval of the Company.
MEDICAL EVACUATION - $75,000
If a Covered Person sustains an injury or suffers a sudden sickness, the Company will pay the necessary expenses for a medical evacuation to the nearest hospital, appropriate medical facility or back to the Covered Person's home country or country of regular domicile. However, before the Company makes the payment, the Company will require written certification by the attending physician that the evacuation is medically necessary. Any expenses with respect to medical evacuation require the Company's prior approval.
NOTICE OF CLAIM
Written notice of any event that may lead to a claim under the Policy must be given to the Company within 30 days after the event, or as soon thereafter as is reasonably possible.
GENERAL MEDICAL EXPENSE BENEFIT POLICY EXCLUSIONS

Unless specifically provided for elsewhere under the Policy, the Policy does not cover loss caused by or resulting from, nor is any premium charged for, any of the following:

  1. Preventative medicines, routine physical examinations, or any other examination where there are no objective indications of impairment in normal health, including routine care of a newborn infant.
  2. Services and supplies not Medically Necessary for the diagnosis or treatment of a Sickness or Injury.
  3. Surgery for the correction of refractive error and services and prescriptions for eye examinations, eye glasses or contact lenses or hearing aids, except when Medically Necessary for the Treatment of an Injury.
  4. Plastic or cosmetic surgery, unless they result directly from an Injury which necessitated medical treatment within 24 hours of the Accident.
  5. For diagnostic investigation or medical treatment for infertility, fertility, or birth control.
  6. Expenses incurred in excess of Reasonable Expenses.
  7. Expenses incurred for Injury resulting from the Covered Person's being legally intoxicated or under the influence of alcohol as defined by the jurisdiction in which the Accident occurs.
  8. Voluntarily using any drug, narcotic or controlled substance, unless as prescribed by a Physician.
  9. Organ or tissue transplant.
  10. Participating in an illegal occupation or committing or attempting to commit a felony.
  11. For treatment, services, supplies, or Confinement in a Hospital owned or operated by a national government or its agencies. (This does not apply to charges the law requires the Covered Person to pay.)
  12. While traveling against the advice of a Physician, while on a waiting list for a specific treatment, or when traveling for the purpose of obtaining medical treatment.
  13. The diagnosis or treatment of Congenital Conditions, except for a newborn child insured under the Policy.
  14. Expenses incurred within the Covered Person's Home Country.
  15. Treatment to the teeth, gums, jaw or structures directly supporting the teeth, including surgical extractions of teeth, TMJ dysfunction or skeletal irregularities of one or both jaws including orthognathia and mandibuliar retrognathia.
  16. Expenses incurred in connection with weak, strained or flat feet, corns or calluses.
  17. Diagnosis and treatment of acne and sebaceous cyst.
  18. Outpatient treatment for specified therapies including, but not limited to, Physiotherapy and acupuncture.
  19. Deviated nasal septum, including submucous resection and/or surgical correction, unless treatment is due to or arises from an Injury.
  20. Self-inflicted Injuries while sane or insane; suicide, or any attempt thereat while sane or insane.
  21. Loss due to war, declared or undeclared; service in the armed forces of any country or international authority; riot; civil commotion; or acts of terrorism.
  22. Riding in an aircraft, except as a passenger on a regularly scheduled airline or charter flight.
  23. Elective termination of pregnancy.
  24. Loss arising from participation in professional sports, scuba diving, hang gliding, parachuting or bungee jumping.
  25. Medical Treatmnet Benefits provision for loss due to or arising from a motor vehicle Accident if the Covered Person operated the vehicle without a proper license in the jurisdiction where the Accident occurred.
  26. Expenses incurred as a result of pregnancy that is not covered.
ENROLLMENT PROCEDURE FOR HTH WORLDWIDE INSURANCE

Employee enrollment is through the Office of Risk Management.
Please contact Chris Johnson at (847) 491-8518 or risk@northwestern.edu

Student enrollment is online at the HTH web site:

https://www.hthstudents.com/ge.cfm?ac=ACF-154

The cost of the HTH plan is $6.36 per week (or partial week) for the student participant and $8.65 per week for faculty and staff.

Please note that HTH coverage is not designed to substitute for any domestic health plan in which a student or employee is enrolled. Rather, it is meant to be supplemental to a domestic health plan, and it only provides coverage for a student/employee when s/he is outside the United States. Because HTH does not provide coverage for students/employees who return to the United States, it is essential that domestic health plans that do provide such coverage in the U.S. remain in effect.

Upon completion of the online enrollment process, students will receive a confirming email from HTH. Employees will receive a confirming email from the Office of Risk Management. HTH will mail ID cards to home addresses provided by students and employees approximately 7-10 days after enrollment is completed.

Don't forget to register for the HTH Students site once you receive your Certificate Number from HTH (it will be on your ID card). You'll receive free access to valuable web tools to help you keep track of your insurance plan and stay healthy and safe during your international study program. By registering, you can use the HTH Students site to:

  • Review your insurance benefits
  • Check the status of a claim
  • Find a doctor inside or outside the US
  • Research vaccination and health risk information
  • Review health and security news from around the globe
  • Sign up to receive personalized news alerts by email
  • Choose from dozens of articles on student health topics--and more!
Questions can be directed to Christopher Johnson at (847) 491-8518
or via e-mail at risk@northwestern.edu.

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Office of Risk Management 2020 Ridge Avenue Suite # 240
Evanston, Illinois 60208-4335
Phone: 847-491-8518
Fax: 847-467-7475
E-mail: Chris Johnson risk@northwestern.edu
Last Revision: April 9, 2009 by Brian Gephart 847-491-3253 risk@northwestern.edu
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