Health Insurance & Emergency Assistance
It is absolutely essential that you have comprehensive health insurance while abroad. Ask your family to obtain written confirmation that your health insurance policy provides coverage in your country. The Bates insurance that many families subscribe to provides such coverage. If you have questions about coverage, you can call Doris Ducharme, the insurance specialist in the Health Center (207-786-6199) or consult the Cross Insurance Company web pages for Bates: click on “College Health.” Several companies specialize in student insurance abroad, including CMI Insurance Worldwide and HTH Worldwide (877-237-2390). Take your policy number and the company’s address, regular telephone number, etc. with you. (800, 888, and other toll-free numbers do not work from overseas.) You will need to pay upfront for all medical services received while abroad and then submit a claim for reimbursement.
Many programs automatically enroll their students in an Emergency Assistance insurance policy. You should establish whether or not you are covered by such a policy and, if you are, put the key contact information into your cell phone. If your program does not provide emergency assistance, you should use one of the policies below.
Students enrolled in the Bates College Student Insurance Plan or the Bates Insurance Plan for International Students may obtain emergency assistance through FrontierMEDEX, Global Emergency Services. To contact them from the United States, call 800-527-0218; if abroad, call +410-453-6330 (call collect). You will need to provide information on your insurance card. You can also email: firstname.lastname@example.org Their web site is www.uhcsr.com/frontiermedex
For students not enrolled in the Bates College Health Insurance Policy, ACE/Europ Assistance USA provides this assistance. The Europ Assistance emergency center is open 24/7. If calling from the United States, the number is: 1-800-243-6124. If abroad, the number is: +202-659-7803 (call collect). The Bates plan number is: 01-SP-585. Please note that this emergency medical assistance does not eliminate the need for regular health insurance.
You should enter the appropriate telephone number into your cell phone so it will be available if needed.