Group Personal Accident & Travel Insurance

Transcription

1 Lifeline Plus THIS INFORMATION IS INTENDED FOR INSURANCE BROKERS AND OTHER INSURANCE PROFESSIONALS ONLY Group Personal Accident & Travel Insurance Start

2 Lifeline Plus swift help at your fingertips It is now common practice for companies to send their employees their most valuable assets to work around the globe. No matter which country they find themselves in, it is important that they get rapid assistance for any eventuality which may occur. And it is often those territories offering the greatest potential for growth and profit which are the most volatile and unpredictable, so businesses must be confident of providing comprehensive advice and cover for their employees protection and to meet their Duty of Care. That s why AIG are constantly vigilant, keeping an eye on longterm trends and the development of events around the world to ensure that Lifeline Plus remains the most allembracing Group Personal Accident and Travel cover on the market. So services like Security Awareness Training and in-depth Country Reports help to prepare employees for travel and keep them safe by advising them of any issues in specific areas they may travel to. And if a problem does arise, our new mobile App has a Help button to provide urgent one-stop security assistance from our very own company, Travel Guard. The App also links through to our dedicated assistance website where you ll find value-added services.whatever a journey may bring, Lifeline Plus is a safety net for your employees. BRING ON TOMORROW A WINNING INNOVATION In September 2013 we conducted research* with UK business travellers and discovered that: 40% have encountered emergency assistance issues like medical emergency or lost baggage but: 41% who have insurance don t carry an assistance card. In the event of travel cancellation 35% call their boss and 26% call someone else in the office. No wonder 90% are interested in downloading our rapid assistance App. *Based on an online survey conducted in September 2013 with 500 business travellers who travel at least once a year and carry a smart phone for business. 2

3 What s new? Everything an employee needs. Fast. AIG BUSINESS TRAVEL ASSISTANCE APP Our mobile app offers all these benefits: A HELP Button to instantly access medical, travel or security assistance from Travel Guard Access to a host of other Lifeline Plus services via MyLifeline.co.uk our mobile-enabled online hub An intelligent alternative to assistance cards which are often mislaid or left at home Easy distribution to employees by or intranet Available for Android and Apple, with a mobile solution for Blackberry THE APP IS SUPPORTED BY THESE DEDICATED WEBSITES, ACCESSED THROUGH THE MYLIFELINE.CO.UK HUB Perhaps the greatest benefit of the improved Lifeline Plus is that it ensures employees always have access to the help and advice they need. Our new App can replace or complement the current assistance card and ensures that employees have all of the services on our mobile-enabled website at their fingertips. There s a Help button to provide immediate access to medical and security assistance from Travel Guard should a problem arise once they re abroad. Plus there are links to the MyLifeline.co.uk online hub, which offers help and advice at all times. So not only does it keep travelling employees fully informed and in touch with assistance, but it empowers them to contact Travel Guard direct should they need help or advice, reducing the burden on HR Managers and Brokers in the event of an emergency. BEFORE LEAVING: Security Awareness Training for employees Country Reports to inform staff and advise on what precautions to take Global News Watch s WHEN TRAVELLING: Travel Assistance and Concierge service Security Travel Alerts SMS and security news Translation tools and resources ANYTIME SERVICES: My Health Portal Medical Second Opinion Phone numbers are also available for Claims, with one number for all other services: Travel Guard, Medical Second Opinion, Travel Assistance and Concierge and My Health Portal. 3

4 Travel Guard: Delivering urgent help when you need it most THE BENEFITS OF TRAVEL GUARD One phone call or the HELP button on the mobile App, puts employees in touch with a single point of contact who orchestrates our one-stop assistance shop, ensuring that medical or security emergencies are dealt with quickly and efficiently Assistance centres located globally, with a team of 1,300 professionals who have local expertise to ensure the best and speediest resolutions Travel Guard has delivered time and again for millions of travellers, including during Nairobi Mall incident, the Algerian Hostage crisis, the Indian Ocean Tsunami and the Volcanic Ash Cloud delays Crisis-seasoned assistance will help to avoid unnecessary fallout from escalating emergencies CLICK HERE FOR DETAILS OF TRAVEL GUARD SERVICES Some things are too important to be left to an outsourced third party. That s why AIG is the only major provider of Accident & Health insurance to have its own, wholly-owned assistance company: Travel Guard. It provides employees with a single point of contact, anywhere in the world, enabling them to summon emergency medical and security assistance at the touch of a button on the mobile App, or through a single phone call where necessary. Just as importantly, it ensures a joined up service where there can be no delay or dispute between Insurance and Assistance companies because they are both AIG through and through. 4

5 TRAVEL GUARD SERVICES TRAVEL ASSISTANCE Medical evacuation and repatriation In and out patient case management Outpatient medical expense guarantee and payment Inpatient hospital admission and monitoring Compassionate visit and family travel assistance Dispatch of medication and medical equipment Bespoke medical services available* Remote project site medical facility assessments Supply of on-site medical clinics Individual employee health assessments pre-deployment Medical equipment procurement Site based medical services Field experienced medics Intensive care paramedics and nurses *Services may incur additional fees. Contact AIG for details. GENERAL TRAVEL ASSISTANCE Member-only travel assistance website Flight, hotel and rental vehicle re-bookings Emergency return travel arrangements Guaranteed hotel check-in Lost baggage search/stolen luggage replacement assistance Lost passport/travel documents assistance Emergency cash transfer assistance Travel information including visa/passport requirements Emergency telephone interpretation assistance Urgent message relay to family, friends or business associates Up-to-the-minute travel delay reports Inoculation information Embassy or consulate referral Up-to-the-minute information on local medical advisories, epidemics, required immunisations and available preventive measures Up-to-the-minute travel supplier strike information SECURITY ASSISTANCE Political and natural disaster evacuation assistance Security and safety advisories, global risk analysis and access to consultation specialists Alerts and incident monitoring 24/7 security incident advice Crisis consultants to help handle negative media coverage Bespoke security assistance available* Meet and greet services Executive protection Travel tracking tools Risk mitigation consulting Contingency and crisis planning Security audits and investigation Pre-deployment security assessments Security training Ground security support 4

6 Lifeline Plus: Keeping employees safe SECURITY AWARENESS TRAINING A little knowledge goes a long way when you re travelling into the unknown. Our awardwinning e-learning programme provides employees with both security training and situation-awareness. It s simple to access and use and provides practical advice about a range of subjects including personal security, preparation and arrival, travel health risks, getting around, street crime and robbery, terrorism and unrest. And employers benefit through a verifiable audit trail to confirm they have delivered their Duty of Care to employees who travel on business. Training is fully interactive: the core episode and six modules take around 45 minutes in total to complete and can be undertaken individually or together. They are also accessible at work, home or in airport lounges while en route, as long as Internet access is available. CONCIERGE SERVICE: MAKING BUSINESS TRAVEL A PLEASURE Being away on business needn t mean eating in your hotel room or missing out on business entertaining opportunities. Our Concierge Service is available 24/7 to provide a wide range of services like these: Restaurant referrals and reservations Conference/meeting room booking including equipment sourcing Event tickets Ground transportation coordination Movie and theatre information 5

7 Medical Second Opinion: Ensuring accurate diagnosis While medical professionals in the UK are among the best in the world, constant changes in diagnostic techniques make it impossible for any doctor or surgeon to be infallible. That s why Lifeline Plus includes Medical Second Opinion, the chance for all covered employees and any members of their immediate family to receive an additional diagnostic opinion from a worldleading medical expert. While in most cases Medical Second Opinion will confirm a diagnosis or suggest only minor changes to a treatment strategy, it offers the reassurance that the proposed treatment has been verified as appropriate by internationally-recognised medical specialists. In the case of a life-threatening or life-altering diagnosis, a second opinion is also accepted as best practice. ADDITIONAL SERVICES AVAILABLE Nurse Connect: connects you to a team of dedicated nurses to advise on everything from the common cold to serious illness. Health Information: a hub for a wide variety of health advice and information, including holistic and alternative medicines. Cancer Assist: a resource to connect you to relevant information and specialist cancer nurses. 6

8 The broad insurance cover you d expect AI G are committed to constantly improving and enhancing our pr oducts to support brokers and their clients, and to ensure that employees are protected agaia nst risks in a rapidly changing world. So while Lifeline Plus is designed to be at the cutting edge of Group Personal Accident & Travel Insurance, it naturally provides all of the basic cove r yo u would traditionally expe ct, now with new, simplified, unambiguous wording. TRAVEL: Medical and Emergency Travel Expenses, Rescue and Assistance Legal Expenses up to 50,000 to pursue compensation claims against third parties who have caused the insured injury Personal Liability up to 5 million settlement of costs or damages if the insured is sued for causing injury or damage Personal Property as selected Money as selected Cancellation, Curtailment, Travel Disruption, Replacement & Travel Delay Vehicle Rental Cover up to 1,000 Hijack - 25,000 Kidnap, Kidnap for Ransom, or Hostage 250,000 for any one event Political Evacuation 50,000 for any one event Natural Disaster Evacuation 50,000 for any one event Crisis Containment Management 50,000 towards crisis consultants to help handle negative media coverage PERSONAL ACCIDENT : Death Loss of Limbs Loss of Eyes, Speech and Hearing Permanent Disability Temporary Disability Personal Accident Support: Our recovery support programme helps people get back to work We pay up to 15,000 for re-training for a different role if necessary Prosthesis cover for the additional costs of providing prostheses Lifesaver benefit payable to a person who is injured trying to save the life of an insured person Cosmetic surgery costs for cosmetic reconstructive treatment 7

9 AIG EUROPE LIMITED The AIG Building 58 Fenchurch Street London EC3M 4AB Tel: Fax: American International Group, Inc. (AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. Products and services are written or provided by subsidiaries or affi liates of American International Group, Inc. In Europe, the principal insurance provider is AIG Europe Limited. This material is for information purposes. Not all products and services are available in every jurisdiction, and insurance coverage is governed by the actual terms and conditions of insurance set out in the policy or in the insurance contract. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affi liated or unaffi liated entities. For additional information, please visit our website at AIG Europe Limited is registered in England: company number Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN number ). 8/8 UC /13