Insurance

As part of its overall insurance and benefits program, the University provides or makes available the following coverages:

  • Emergency Travel and Evacuation Assistance
  • Workers’ Compensation
  • Accidental Death and Dismemberment
  • General Liability
  • Commercial Auto Liability
  • Commercial Property and Business Income
  • Foreign Liability
  • Defense Base Act Coverage

The International Travel Risk Policy requires that all students possess health insurance and evacuation/emergency travel assistance coverage meeting minimum standards, described in the following sections. Faculty and staff are encouraged to review their coverage to ensure that it also meets these minimum standards.

Faculty and/or Staff

Health Insurance

It is very important that you review your personal health insurance plan, as not all plans provide equal coverage overseas. Detailed information about health insurance, disability coverage, and workers’ compensation can be found on the Human Resources and Risk Management websites. The health insurance plans offered to BU faculty and staff members as an employment benefit are acceptable under the terms of the International Travel Risk Policy. If your BU health insurance plan covers family members, that coverage will also apply abroad. If you are covered by a health insurance plan other than one of those offered by BU, it should cover emergency and urgent care at a minimum, and provide at least $100,000 in medical coverage.

Cultural Insurance Services International (CISI) contracts with Boston University to offer a comprehensive international health insurance and evacuation/emergency travel assistance plan to BU students, faculty, and staff travel abroad for University purposes, at a reasonable price. Please contact Global Programs for more information.

Residing Abroad

If you are a Boston University faculty or staff member who is residing abroad for a period longer than 3 months, you should enroll in the Blue Cross Blue Shield Out-of-Country Plan.

Evacuation/Emergency Travel Assistance

If you are a Boston University employee, you are automatically enrolled for emergency travel and evacuation assistance provided by ACE Executive Assistance Services, which provides:

  • pre-trip security and travel information
  • emergency medical, personal, legal, and travel services
  • emergency medical and political evacuation or repatriation
  • concierge services

This coverage is for employees only; family members traveling with employees are not covered. For more information on supplemental plans, please contact Global Programs.

Note that the ACE program is not health insurance and therefore does not cover medical treatment. A summary of services can be found on the ACE Foldable Quick Card, which you should carry with you while traveling. Complete details on the services provided and how to access them can be found under Travel Assistance Services on the Risk Management website.

Massachusetts Workers' Compensation

Boston University employees injured while traveling abroad on University business are also eligible for Workers Compensation benefits. Workers compensation is automatic for BU employees. See Risk Management for more details.

Students

Health Insurance

If you are a full-time student, Massachusetts law requires that you must be either enrolled in the Boston University Student Medical Insurance Plan or certify that you have personal health insurance that provides comparable, comprehensive health insurance abroad as well as domestically. Such plans should cover emergency and urgent care at a minimum, and provide at least $100,000 in medical coverage.

If you are a student on a BU Study Abroad program, medical coverage may also be provided, but varies depending on the location of your program. Please refer to Study Abroad—Health Insurance for a detailed description of coverage and services.

Cultural Insurance Services International (CISI) contracts with Boston University to offer a comprehensive international health insurance and evacuation/emergency travel assistance plan to BU students, faculty, and staff for a reasonable price. Please contact Global Programs for more information.

Medical Insurance for International Students


To ensure compliance with Massachusetts law, international students are automatically enrolled in the Boston University Student Medical Insurance Plan. Students may opt-out of that plan only under very limited conditions. For more information, please visit the Student Accounting Services website on comparable coverage.

Evacuation/Emergency Travel Assistance

If you are a student on a BU Study Abroad program, you are covered for evacuation and travel assistance by the Team Assist Plan through CISI. Additional information is available on the Study Abroad—Travel Assistance page.

Student travelers who are not on BU Study Abroad Programs must also possess evacuation/emergency travel assistance coverage. An evacuation/emergency travel assistance plan should provide you with coverage for emergency medical evacuation (including medically supervised evacuation), security (political and natural disaster) evacuation, and repatriation with a maximum of no less than $100,000 per insured.

U.S. health insurance plans typically do not include evacuation/emergency travel assistance coverage. The comprehensive plan offered by CISI (see above) includes evacuation/emergency travel assistance coverage.

If you are enrolled in the BU Student Medical Insurance Plan (whether or not you are on a BU Study Abroad program), you also have coverage for evacuation and emergency travel assistance through Aetna/OnCall Travel Assistance Services. A complete description of the services provided can be found at Aetna/OnCall.

OnCall coverage is also available for purchase by students participating in non-Study Abroad programs abroad. For academic year 2013/14, the premium cost is $36 per student/semester. Students must be enrolled by a departmental or college administrator as part of a group purchase. A group bill for all enrolled students will be sent to the department for payment. Administrators wanting to enroll students should contact Scott Strothers at Aetna Student Health, 781-293-5617 or sstrothers@aetna.com.

Purchase or Lease of Space or Vehicles

Space

A lease, as a rough guide, is a contractual agreement for use of a space that will run longer than a year, and is usually several years long. If you intend to purchase or lease space, you should:

Vehicles

Any vehicle purchased or leased internationally is required to have its primary insurance coverage purchased locally. If you intend to purchase or lease a vehicle, you should work with a local insurance agent to:

  • Properly register the vehicle in that location in accordance with local regulations
  • Purchase the minimum liability limits mandated in that location
    • The University’s foreign automobile insurance program provides excess liability limits over those purchased locally.
  • Include insurance covering physical damage to the vehicle

Vehicle rental: Review the Foreign Locations section under Automobile Rental Procedures on the Risk Management website, which provides guidelines and advice for renting a vehicle to conduct Boston University business.

Changes to Ongoing Activities

You should contact Risk Management when changes occur that may impact your insurance in order to avoid a gap or lapse in coverage. Examples of such changes include major property purchases such as moveable capital equipment and vehicles.

 

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Scott Strothers
781-293-5617
sstrothers@aetna.com
Aetna Student Health
1 Charles Park
Cambridge, MA 02142
(860) 907-4674