Insurance

Medical Insurance for Foreign Visitors

The Federal Government requires that visitors and their dependents have sufficient medical insurance coverage while in the U.S.

Minimum levels of health insurance coverage must provide:

1. Medical benefits of at least $100,000 per illness or accident;
2. Deductible not to exceed $500 per accident or illness;
3. Expenses associated with medical evacuation in the amount of $50,000;
4. Repatriation of remains in the amount of $25,000;
5. Coverage for pre-existing conditions after a 6-month waiting period;
6. Co-insurance/co-payment that does not exceed 25 percent of the covered benefits per accident or illness; and
7. Policy underwritten by an insurance company that is A- rated or backed by the full faith and credit of the Exchange Visitor's government

Furthermore, “sponsors must inform all exchange visitors that they, and any accompanying spouse and dependent(s), also may be subject to the requirements of the Affordable Care Act.” 22 C.F.R. 62.14(a).

Generally, medical insurance for foreign visitors is available through each campus’ respective international scholars office.

UC Travel Insurance

UC Traveler Insurance covers travel for UC business out-of-state and to foreign countries. UC Traveler insurance covers all employees, their dependents, UC students, and other individuals designated as traveling on official UC business.

• What is Covered? Travel for UC business away from the campus or primary workplace
• Who is Covered? UC Employees, dependents, students, Individuals designated by UC for travel on UC business
• Includes? Emergency medical evacuation, security extraction,  travel assistance,  loss of personal property
• Extras? Personal Travel Insurance is available with similar benefits when you're not on UC business

For a full list of coverage benefits, see the Business Travel Benefits Summary.

Before Every Trip

• Register your trip (Trips booked by a Connexxus agency will be automatically registered for insurance)
• Print insurance card and carry with you
• Forward copy of insurance card to appropriate administrator, if applicable

In Case of Emergency

In case of an emergency, call UHC Global Assistance:

• 410-453-6330 (From outside the U.S.)
• 800-527-0218 (From U.S. and Canada)

Questions?

For questions regarding coverage call (510) 987-9832, Monday-Friday 8:00-5:00 or leave a voicemail. For technical support/issues, call (530) 638-3375 or send an email to erm@ucop.edu.

Proof of Insurance

Some visa applications require proof of insurance, obtained from the Risk Management Office. To reissue your Travel Insurance card, login from the email with which you registered. Take your medical insurance card, you may need it at some borders which require proof of insurance.

If you have questions about insurance, contact your local Risk Management Office.

Property Insurance

The UC’s property insurance program seeks to protect university assets through restoration of property loss/damage, risk analysis, control and prevention. This program provides coverage for direct physical loss and is extended to property owned or in the care, custody, and control of the Regents of the University.

Clinician Liability Insurance

If you are practicing under the auspices of your employment, your liability insurance provided as part of your employment will cover you. If your job description does not cover your activities, you may not be covered. When you are in the United States, you have defined protections as a physician volunteer (part of HIPAA) but when you travel abroad the federal protections do not apply.

Each country has its own laws. If you plan to practice medicine as a volunteer abroad you are strongly advised to do so under the auspices of an international volunteer organization with a well defined presence in your host country.

For more information review the Professional Medical & Hospital Liability (PL) program offered with Office of Risk Services.

Foreign Liability

The Office of Risk Services has arranged foreign liability insurance for university operations outside the US. Review the Risk Services foreign liability insurance page for more information.

Auto Insurance

The University's Automobile Self Insurance Program provides Automobile Liability coverage for University personnel in the course and scope of their employment and Automobile Physical Damage for vehicles owned, leased and operated by the University. Click here for more information about the Automobile Self Insurance Program.

While abroad, it is recommended that local insurance be purchased if renting, leasing or purchasing a vehicle in a foreign country.