FAQs

Frequently Asked Questions


ENROLLMENT / ELIGIBILITY

Who is eligible?

The Insured must be engaged in UNH-related activities outside the United States.* These activities are defined as:

  • Activity supervised, led, arranged, or sponsored by an UNH department or faculty or staff member
  • Activity supervised, led, arranged, or sponsored by a University office, organization (band, athletic team, etc.) or by a University recognized student organization
  • Research sponsored or supported by a University research office unit or committee
  • Presentation at a conference about University programs, activities, or research
  • Work that falls within the scope of an employee’s official duties or association with the University
  • The Activity has defined Start/End dates

The Insured must be a UNH student, faculty, scholar, staff or other persons officiating on the UNH-related activity with a current passport or student visa, who are temporarily residing outside their Home Country or regular residence.

The Insured does not need to be covered by a USNH Health Benefit Plan in order to be eligible for this international plan.

* Outside the U.S. is defined as any location outside of the 50 United States and the District of Columbia.

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How do I enroll?
Eligible UNH persons are automatically included under the UNH coverage. If you have questions about your eligibility, please contact the UNH Center for International Education at 603-862-2398 or beth.kilinc@unh.edu.

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Will students be charged for this program?

All undergraduate students traveling abroad on University-related activities will be charged an International Travel Insurance Fee of $150 for semester programs or $70 for international activities that take place during the summer, J-term, spring break or Maymester. Graduate students will be charged this fee for UNH coursework abroad or study abroad programs, but not for research activities. If a student withdraws from a study abroad program, this fee will not be refunded once the student has departed from the United States.

Do I get an ID card?
You can download and print an International SOS membership card from the International SOS UNH membership page. You can also get a laminated membership card from the UNH Center for International Education by calling 603-862-2398 or emailing beth.kilinc@unh.edu. The card includes the 24 hour International SOS Alarm Center phone number. You will not receive a separate insurance ID card. Consolidated Health Plans, the Claims Administrator, will confirm eligibility with the University of New Hampshire.

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Is there a limit to how long I can be covered?

Yes. No Insured person may have a policy period longer than 12 consecutive months.

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Are spouses and dependents covered?

No. If you are traveling with a spouse or dependents, you are strongly encouraged to purchase this coverage so that you and your family can access the same services and receive the same benefits while traveling.

  • Services — Access to International SOS services can be purchased online directly from International SOS at a 20% discount. View the International SOS UNH personal travel page for more information.
  • Insurance — The University Health Plans travel insurance can be purchased at the same UNH rate directly from them via an enrollment form. Please click on the link for the form and instructions.

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Will I be covered for personal travel before, during or after my UNH-related activity?

No. UNH travelers are covered only while traveling for UNH-related activities. Coverage is not extended to leisure or vacation travel that you may arrange to coincide with your UNH-related activity. You may purchase the same coverage and benefits for your extended personal travel directly from University Health Plans and International SOS.

  • Services — Access to International SOS services can be purchased online directly from International SOS at a 20% discount. View the International SOS UNH personal travel page for more information.
  • Insurance — The University Health Plans travel insurance can be purchased at the same UNH rate directly from them via an enrollment form. Please click on the link for the form and instructions.
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Should I cancel my domestic health insurance if I am covered by the UNH international plan?
No. UNH travelers are covered only for travel outside the country. Therefore, UNH recommends that all travelers maintain their domestic coverage to insure continuation of coverage and care before departure and upon your return to the U.S.


EMERGENCY TRAVEL ASSISTANCE PROGRAM

Whom do I contact if I need help when I am overseas?

If you have an emergency please call collect the 24-hour International SOS Alarm Center:  1-215-942-8478.

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Whom do I contact if I have pre-trip medical or security questions?

The International SOS online portal for UNH travelers provides extensive travel, medical and security information for every country around the world. It also contains UNH emergency contacts and detailed membership benefits.

Please go to www.internationalsos.com/en/ and at the prompt for the Members’ website login, enter your UNH International SOS membership number: 11BCAS000009. You can link directly by clicking here.

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. The International SOS alarm center can provide medical advice, assistance in your location, or arrange for an evacuation.

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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; Transportation and accommodation to join a hospitalized member. View the full list of services.

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Are all International SOS services covered by the UNH international insurance program?
No. Only services listed in the Summary of Benefits and Evidence of Benefits are covered. If a UNH traveler requests services that are not insured, International SOS will require payment up front or UNH will invoice the traveler with advanced approval. Some examples include, but are not limited to, translations and interpreters and emergency cash advances.

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Whom do I contact if I have questions about the insurance benefits?
University Health Plans
One Batterymarch Park
Quincy, MA   02169
Email:  KristenD@univhealthplans.com

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Whom do I contact if I have questions about a specific claim or a claims payment?
University Health Plans
One Batterymarch Park
Quincy, MA   02169
Email:  KristenD@univhealthplans.com

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MEDICAL INSURANCE PLAN BENEFITS

What is covered under the UNH International Travel Services and Insurance Program? 

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. Payment will be made for covered medical expenses up to the maximum benefit of $1,000,000. See Evidence of Benefits for a full list of benefits and exclusions.

The Insured does not need to be covered by a USNH Health Benefit Plan in order to be eligible for this international plan.

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Are there any restrictions and exclusions? 

Yes. There are territory restrictions, so eligible UNH travelers are not covered in: United States (defined as the 50 United States and the District of Columbia) and Cuba, unless the individual has received a valid license for travel to Cuba or a student is traveling on a program with a valid license.* There are additional exclusions, so please read the Evidence of Benefits to review the full list of excluded activities.

*Please note there is an international insurance fee surcharge for coverage in Cuba. Contact CIE for details.

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How are prescription drugs covered?

Perscription drugs are covered at 100% of the actual charge.

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What if I have a pre-existing condition, am I covered?
Yes, there is no exclusion. (A pre-existing condition is one for which you sought medical advice, were diagnosed, received care or treatment, or were recommended care or treatment.)

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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 per Injury or Sickness before payment is made by the claims company.)

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What if the hospital abroad requires an advance payment in order to admit me?
International SOS will advance payment to a hospital if needed to secure your admission because of sickness or accident. Call collect the 24-hour International SOS Alarm Center:  1-215-942-8478.


CLAIMS PROCESSING

If International SOS pays for my medical bills, how is International SOS reimbursed?
International SOS should be called in all emergency situations. If International SOS fronts money for medical treatment, the claim will be automatically sent to Consolidated Health Plans and International SOS will get reimbursed directly from Consolidated Health Plans. The UNH traveler does not need to submit any paperwork.

If I receive a bill for services I received, what should I do?
When outside of the U.S., you may be asked to pay for a small medical service charge and then need to seek reimbursement. When you submit claims for reimbursement, you will need to have the itemized bill(s) translated into English and include a letter informing the Claims Administrator that you are seeking reimbursement for charges previously paid. Please state you are a participant of the UNH Travel Insurance Program and include your name, student ID, and mailing address (to receive your reimbursement check).
Consolidated Health Plans
2007 Roosevelt Ave
Springfield, MA   01104
800-633-7867

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Is any other information needed to pay a claim?
If the treatment you received was a result of an accident, you might receive a letter from Consolidated Health Plans asking you for information about the accident, i.e. was it the result of a car accident, from playing sports, etc. Your claim cannot be processed without this information, so please respond to the letter promptly. However, if International SOS is involved then you will not need to worry about providing additional information.

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