Coverage is provided for medical services that are deemed necessary, including but not limited to:

  • Medical care and treatment by a Physician
  • Hospital room, board and care, both inpatient and outpatient
  • Drugs and medicines required and prescribed by a Physician
  • Diagnostic tests and x-rays prescribed by a Physician
  • Transportation of an Insured Person in an emergency transportation vehicle from the location where such person becomes injured to the nearest hospital where appropriate medical treatment can be obtained
  • Dental care and treatment due to an Accidental Bodily Injury
  • Physical Therapy, including diathermy, ultrasonic, whirlpool or heat treatment adjustment, manipulation, massage and the office visit associated with such therapy
  • Treatment performed by a licensed medical professional when prescribed by a Physician, if hospitalization would have been otherwise required
  • Rental of durable medical equipment
  • Artificial limbs & other prosthetic devices
  • Orthopedic appliances or braces

Medical services do NOT include

  • Preventative medicines, immunizations, routine physical examinations
  • Plastic or cosmetic surgery, unless medically necessary due to Accidental Bodily Injury (w/in 30 days of Accident)
  • For pregnancy if Insured person was pregnant prior to leaving for trip
  • Elective termination of pregnancy
  • Prescription drugs
  • Eyeglasses, contact lenses, hearing aids or prescriptions, examinations thereof, radial keratotomy or laser eye surgery to correct vision impairment
  • Congenital conditions
  • For injury occurring while fighting, except in self defense
  • For treatment that is educational, experimental or investigational in nature or that does not constitute accepted medical practice
  • If Insured Person is travelling against the advice of Physician
  • Treatment by a chiropractor

**Coverage provided by the MIT Study Abroad Insurance program is Primary coverage.  Other health care coverage would apply excess & should be maintained due to coverage limitations and exclusions included under the MIT Study Abroad Insurance Program.

If you have any questions regarding International Student Health Insurance or if you would like to request a copy of our brochure, please contact the Insurance Office at 617-324-5031 or email Sarah Brown.