Dependent Medical Coverage
In accordance with Defense Security Cooperation Agency (DSCA) POLICY 07-27 and DSCA POLICY March 2010, international officers’ authorized dependents must have medical insurance if medical costs are not covered by their government (or through the FMS case). Proof of medical insurance must be provided to the Security Cooperation Officer (SCO) at the U.S. Embassy in your country prior to placing your dependents on the ITO. Status of dependents and type of coverage will be annotated in ITO. Reciprocal Health Care Agreements (RHCAs), Partnership for Peace (PFP) and Status of Forces Agreements (SOFAs) cover only DoD medical treatment for the international student, not their families. Insurance policies are required for authorized dependents.
Some countries have RHCAs/PFP/SOFAs that provide reimbursement for military medical care for authorized dependents. However, Fellows will need to purchase additional medical insurance coverage up to the level of $50,000 per person to cover occurrences where military medical care is not available. Also note that military dental care for dependents is not available to dependents under RHCA/PFP/SOFAs.
THE MEDICAL INSURANCE POLICY NEEDS TO BE IN EFFECT FOR THE DURATION OF STAY AT NDU AND MUST MEET THE REQUIREMENTS AS LISTED IN BELOW. PLEASE PURCHASE POLICY UNTIL JUNE 21, 2014.
MINIMUM REQUIREMENTS FOR MEDICAL INSURANCE
- Medical benefits of at least $400,000.00 per person per year.
- Pregnancy cannot be insured. Students with accompanying spouses are not required to have pregnancy coverage; however, the below stated rules apply if a wife becomes pregnant while here at NDU.
- The deductible must be at least $0-100 per dependant and should not exceed $1000 total for entire family.
- Repatriation of remains in the amount of $50,000 should a death occur in the U.S.
- Medical evacuation in the amount of $250,000 (per individual) in the event insured must be returned to his/her home country due to a serious medical condition.
- Insurance must pay benefits to a Department of Defense medical facility, if appropriate.
- Health insurance policy must be in English, recognized as an international company, and have a POC/ office in the United States.
- Family Members who are pregnant prior to departure from home country must present proof of complete pregnancy coverage in order authorization as an accompanying dependent on the ITO.
- If a Family Member becomes pregnant while at NDU, the international officer will notify the International Student Management Office immediately
- SATFA, and US Embassy in home country will be notified of pregnancy. Home country will be requested to guarantee payment of all medical costs associated with the pregnancy.
- Family Members who become pregnant while at the NDU and DO NOT have pregnancy insurance (or coverage by foreign government) will be directed to return to home country as soon as possible after determination of pregnancy is made; typically within 10 days of first notification.
- Authorized family members for whom pregnancy IS NOT covered by the country, must have pregnancy insurance which covers pre and post natal care, as well as delivery, unless ITO specifically states foreign government will pay all costs related to that pregnancy and delivery.
The following companies have provided medical coverage that FULLY meets the above requirements:
Fully compliant policies with military medical care fully reimbursed:
- Global Insurance Solutions (www.myglobalinsurance.com)
- Sunrise (http://www.sunriseworldwide.com/travel_medical_insurance/default.aspx)
Compliant polices support civilian medical treatment but reimbursing military care at a lower rate: