Health Insurance

Who is eligible for coverage?

All regular, full-time students of the University of Nebraska-Kearney (UNK) who:

  1. Are engaged in international educational activities
  2. Are temporarily located outside his/her home country as a non-resident alien
  3. Have not obtained permanent residency status


When does coverage start?

Coverage for an Eligible Participant at 12:00:01 a.m. on the latest of the following:

  1. The effective date of the Policy
  2. UNK's effective date
  3. The effective date shown on the Insurance Identification Card
  4. The date the premium and completed enrollment form, if any, are received by the Insurer or the Administrator
When does coverage end?

Coverage for an Eligible Participant will automatically terminate on the earliest of the following dates:

  1. The date the Policy terminates
  2. The UNK's termination date
  3. The date of which the student ceases to meet the Individual Eligibility Requirements
  4. The end of the term of coverage specified in the student's enrollment form, if any, including any requested extension
  5. The date the student leaves the country of assignment for his/her or her home country
  6. The date the student requests cancellation of coverage (the request must by in writing)
  7. The premium due date for which the required premium has not been paid, subject to the Grace Period provision
What to do in the event of an emergency:

All students are entitled to Global Assistance Services provided by MEDEX Assistance Corporation. In the event of an emergency, they should go immediately to the nearest physician or hospital without delay and then contact one of the MEDEX Coordination centers, identifying themselves using Group ID Code 1241. MEDEX will then take the appropriate action to assist and monitor the medical care until the situation is resolved. The two MEDEX coordination center are:

  • United States: Baltimore, MD 800.527.0218 or collect to 1.410.456.6330
  • England: Brighton (44) 1273.223000
Excess Coverage:

The Insurer will reduce the amount payable under the Policy to the extent expenses are covered under another plan. The Insurer will determine the amount of benefits provided by the other plan without reference to any coordination of benefits, non-duplication of benefits, or other similar provisions. The amount from the other plan includes any amount to which the student is entitled, whether or to a claim is made for the benefits. The Policy is secondary coverage to all other policies.


Once students receive their Medical Insurance ID card from HTH World Wide, they should visit the HTH website for students, and using the certificate number on the front of the card, sign in to the site for comprehensive information and services relating to this plan. Students can track claims, search for a doctor, view plan information, download claim forms and read health and security information.

Claims Submission:

Claims are to be submitted to HTH Worldwide, PO Box 39, Minneapolis, MN 55440-0039, USA. See the HTH website for claim forms and instruction on how to file.