Insurance
Oklahoma State University requires that all students on study abroad programs
have adequate medical insurance for the term of study abroad, including emergency
medical evacuation and repatriation. Below is a table comparing the benefits of
four study abroad insurance plans that have been evaluated by OSU. Click on the
company name to link to their website.
| Company Name |
Maximum Benefit |
Deductible |
Preexisting Condition Ex. |
Maternity Coverage |
Premium |
Brochure Review |
| SOS |
Optional Premium for Health Insurance
80% of Usual & Customary charges (UCC) to $5000
Then 100% of UCC up to a Maximum of $45,000
*The medical assistance portion of this program was
for referrals only. If you want to purchase medical
insurance, you may do so; however, it is an
additional premium. Additionally, the
brochure is very general about the type of health
care coverage provided by the policy. |
$100 per occurance |
Not defined in brochure |
Not defined in brochure |
*$45 |
Very General |
| ISIC
|
$10,000 maximum
*This is a very basic health plan offered in conjunction with the ISIC card,
which is available for purchase in the Study Abroad Office. |
Not defined in brochure |
Y |
Excluded |
$22 for ISIC card |
Very General |
| CISI
|
This plan offers a two tiered plan:
Basic plan: 100% to $50,000 with a $100 deductible
per injury or illness
Optional Extra Protection Plan: (additional premium)
Offers 100% to $100,000 with no deductible |
See Max Benefit |
Y |
Y |
Age rated |
Specific and Detailed |
| HTH
|
100% up to $10,000, then 80% to 90,000
total of $100,000 maximum
*The brochure only listed premium amounts for individuals under the age
of 31. |
$50 per occurance |
Y |
Y |
*$36 |
Specific and Detailed |
Please note that this is neither a complete list of possibilities nor a recommendation
of any one program over another.