International Human Capital

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "International Human Capital"

Transcription

1 International Human Capital Understanding Expectations and Coverage and Assistance Platforms Joan Rupar, Division President WorldRisk, WorldSource

2 International Human Capital > The key to growth begins with a companies most valued asset their employees > An injured employee can affect productivity, the employee s feeling about working for your client, and employee retention > In order to protect the employees, you should understand the insurance coverages and services they need and how well it aligns with the expectations of the employee. 2

3 International Human Capital > Employee Aspects to consider Define the role of the employee: faculty, staff, administration What about graduate students? Is the employee a citizen of the United States or somewhere else? Are there possible cultural or religious issues? What about family members traveling along?

4 Protecting Employees Traveling Outside of the U.S. > Conditions in foreign countries present increased risk to travelers, such as: Varying road conditions: operating on the other side of the road from what an employee is accustomed to; driving at very high rates of speed; driving on unpaved, dangerous roads i.e. cliffs without a guardrail Endemic disease which can range from flu-like symptoms to serious illnesses such as malaria Limited access to proper emergency care, lack of sterile medical equipment, blood that is not screened, broken bones not set properly causing additional surgeries Terrorism 4

5 Protecting Employees Traveling Outside of the U.S. > The risk of employees traveling outside of the U.S. may rely on extensions found under their domestic workers compensation policy Domestic U.S. workers compensation law defines what is covered and also defines a specific monetary scale for extraterritorial travel. Potential losses could impact your clients domestic workers compensation rating module for up to three years > Coverage restrictions can present gaps in protection for those employees. > Voluntary insurance products such as Foreign Voluntary Workers Compensation (FVWC) coverage as well as accident and health (A&H) coverage and services address exposures not contemplated in the U.S. 5

6 FVWC Important Fact > Foreign Voluntary Workers Compensation is VOLUNTARY Does not replace statutory coverage for workers compensation or employers liability in any country How does your institution define course and scope How well does the employee understand what aspects of the coverage make them whole and which may fall under other insurance, such as medical. 6

7 FVWC Benefits Overview > Under FVWC coverage, benefits are: Paid weekly Have varying minimums and lifetime maximums Defined death benefits Defined by state law 7

8 FVWC Supplemental Coverage > Additional AD&D limits can assist clients in supplementing the benefits provided to their employees under FVWC coverage > Emergency medical coverage can assist clients in addressing any emergency sickness issues that could arise during an employee s trip outside of the U.S. 8

9 Fulfilling Injured Employees Expectations > What is the expectation of an employee if injured during work? Full-time coverage 24/7 Treated in-country or evacuated home > The complexities of serving employees traveling outside of the U.S. can make fulfilling these expectations difficult due to: Varying nationalities Language barriers Standard of care differences Payment for treatment Medical evacuations 9

10 Fulfilling Injured Employees Expectations > When dealing with an injured employee outside of the U.S., it is important for you to know the following information: What does the employment contract say? How are these obligations communicated to the employee? Who is responsible for communicating with the family? Who makes travel arrangements? Is all of the emergency information well addressed in the crisis response plan? 10

11 Necessity of Travel and Emergency Medical Assistance > Assistance providers are available in order to help your clients fulfill their obligations to injured employees outside of the U.S. > These providers generally stand ready to assist a caller with a medical need > Be sure of all limitations in their offering because some providers: Do not always provide assistance in every country Do not always provide assistance for mental health issues Often charge extra for post financial guarantees or to secure airline tickets 11

12 Assistance Provider Considerations > What is the scope of the organization? > What are their on the ground resources? > Are their services aligned with where your clients are doing business and traveling? > What is the reach of their supporting air assistance fleet? > What are the additional costs for services? > Is there an insurance component to the service? > After a fee is paid, does the assistance vendor subrogate against the insurer? 12

13 Assistance: Example Services > Today we will walk through the basics of the following: Medical assistance (including necessity of air ambulance transportation) Repatriation of remains Security assistance > Other services to remember: Medical monitoring and emergency prescription replacement Emergency return travel arrangements Lost or stolen documents and luggage assistance Emergency cash transfer assistance Emergency language interpretation service Foreign exchange, ATM and weather information Embassy and consulate information Legal referrals/bail bonds assistance 13

14 Medical Assistance > Open Case Name, location, contact and condition/situation Access account profile in case management system Patient and facility evaluation Acuity of condition Adequacy of facility to treat condition > Evacuation due to medical necessity Acuity and/or time sensitivity of condition > Method of transport and destination determinations En-route requirements, speed of transport, facility capabilities, political and other factors Provider availability and selection Estimated time of arrival (ETA) to patient 14

15 Air Ambulance Selection Criteria > Specific transport requirements outlined: Aircraft type, crew configuration and availability Aircraft ETA to client Special equipment Itinerary (number of stops and where) ETA to destination > Ground transportation requirements Provider responses evaluated based on overall ability to meet criteria 15

16 Repatriation of Remains > Death Certificate What is the cause of or circumstances surrounding the death? Will an autopsy be needed? > Logistics What is the citizenship of the deceased and what is the destination? Will the remains be cremated or returned for burial? Have the appropriate government agencies been notified? Have funeral homes been identified (locally and home)? > Transport Arrangements What is the next available appropriate itinerary? Are there family members who require travel arrangements? > Covered Benefit Expenses related to the preparation of the body for transport (either embalming or cremation), container appropriate for transport and transport certificates/authorizations 16

17 Security Assistance > Security evacuation assistance > Security safety advisories, global risk analysis and consultation specialists > Consultant referrals to extract client to safety > Urgent message alerts and relays > Confidential storage of personal and medical profile for emergencies > 24-hr response services to assist employees and their families during an incident 17

18 Total Cost of Risk > Aligning these responding services and coverage with your employees expectation will help your clients: Mitigate liability Secure the employers reputation Bring value to their insurance program 18

19 Chartis is a world leading property-casualty and general insurance organization serving more than 40 million clients in over 160 countries and jurisdictions. With a 90-year history, one of the industry s most extensive ranges of products and services, deep claims expertise and financial strength, Chartis enables its commercial and personal insurance clients alike to manage virtually any risk with confidence. Chartis is the marketing name for the worldwide property-casualty and general insurance operations of Chartis Inc. For additional information, please visit our website at All products are written by insurance company subsidiaries or affiliates of Chartis Inc. Coverage may not be available in all jurisdictions and is subject to actual policy language. Non-insurance products and services may be provided by independent third parties. Certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. The data contained in this presentation is for general informational purposes only. The advice of a professional insurance broker and counsel should always be obtained before purchasing any insurance product or service. The information contained herein has been compiled from sources believed to be reliable. No warranty, guarantee, or representation, either expressed or implied, is made as to the correctness or sufficiency of any representation contained herein. Copyright 2009

Trade Credit Insurance Bad Debt Protection

Trade Credit Insurance Bad Debt Protection Bad Debt Protection What is? > Coverage provided to companies who sell products to other businesses (b2b) on short-term credit (30/60/90 days) for both domestic and export sales > Indemnification for bad

More information

Insurance protection for employees abroad

Insurance protection for employees abroad Insurance protection for employees abroad Insurance protection for employees abroad The recent political upheaval in the Middle East and the unprecedented catastrophe in Japan highlight the issues companies

More information

Travel Assistance Program

Travel Assistance Program ACE American Insurance Company (A Stock Company) Philadelphia, PA (Herein called We, Us, Our) ATTENTION In the event of a medical emergency call ACE s Travel Assistance Services immediately 24-Hour Access

More information

WORLDNET SERVICES CORP. Travel Assistance Program

WORLDNET SERVICES CORP. Travel Assistance Program WORLDNET SERVICES CORP Travel Assistance Program WORLDNE You're traveling far away from home and you're sick or hurt. Who can you call for help? In some emergencies you can call the hotel desk or 911 to

More information

Zurich Travel Assist. A familiar standard of care in an unfamiliar place

Zurich Travel Assist. A familiar standard of care in an unfamiliar place Zurich Travel Assist A familiar standard of care in an unfamiliar place The ultimate goal: providing a familiar standard of care in an unfamiliar place. A global approach to well-being More employees are

More information

ACE USA Travel Assistance Services

ACE USA Travel Assistance Services ACE American Insurance Company (A Stock Company) Philadelphia, PA ACE USA Travel Assistance Services ACE American Insurance Company offers worldwide travel assistance services to employees, students and

More information

Westpac Rewards Credit Cards Emergency Travel Assistance.

Westpac Rewards Credit Cards Emergency Travel Assistance. Westpac Rewards Credit Cards Emergency Travel Assistance. Terms and Conditions. Effective 25 March 2013 We would ask you to take some time to read through these Terms and Conditions, as they contain important

More information

ACE USA Travel Assistance Services

ACE USA Travel Assistance Services ACE American Insurance Company (A Stock Company) Philadelphia, PA ACE USA Travel Assistance Services ACE A&H Division offers worldwide travel assistance services to employees, students and their eligible

More information

Emergency Medical Assistance Service. Expatriate Employee Certificate 1. Group #9061

Emergency Medical Assistance Service. Expatriate Employee Certificate 1. Group #9061 Emergency Medical Assistance Service Expatriate Employee Certificate Group #9061 As per the Master Marketing Agreement for Group #9061 on file between Standard Insurance Company ( Standard ) and MEDEX

More information

PREMIUM GLOBAL ASSIST HOTLINE 1

PREMIUM GLOBAL ASSIST HOTLINE 1 PREMIUM GLOBAL ASSIST HOTLINE 1 Premium Global Assist Hotline can help you prepare for your trip with customs information and destination guides. And while you re traveling more than 100 miles from home,

More information

DAN TravelAssist EMERGENCY EVACUATION BENEFIT

DAN TravelAssist EMERGENCY EVACUATION BENEFIT DAN TravelAssist One important benefit of your DAN Membership is that with your Individual Membership fee, you are automatically enrolled in DAN s travel assistance plan. Your family is covered with your

More information

Standard Insurance Company Emergency Medical Assistance Service Employee Certificate Group #9061

Standard Insurance Company Emergency Medical Assistance Service Employee Certificate Group #9061 Standard Insurance Company Emergency Medical Assistance Service Employee Certificate Group #9061 As per the Master Marketing Agreement for Group #9061 on file between Standard Insurance Company ( Standard

More information

ealth H A mbassa R A e n sp t d ccident & i o ci n p d a o t A in e t t r h h e e m un o f m or e e n s t e C e o n o f v. t e r r u t t h h e. risk.

ealth H A mbassa R A e n sp t d ccident & i o ci n p d a o t A in e t t r h h e e m un o f m or e e n s t e C e o n o f v. t e r r u t t h h e. risk. A m b A s s A d o r Anticipate the unforeseen. Respond in the moment of truth. Cover the risk. Accident & Health The Core: Insured Benefits All you need, the way you need it. Ambassador begins with Accidental

More information

Zurich Travel Assist. A familiar standard of care in an unfamiliar place

Zurich Travel Assist. A familiar standard of care in an unfamiliar place Zurich Travel Assist A familiar standard of care in an unfamiliar place The ultimate goal: Provide a familiar standard of care in an unfamiliar place. A global approach to well-being More employees are

More information

Zurich Travel Assist. A familiar standard of care in an unfamiliar place

Zurich Travel Assist. A familiar standard of care in an unfamiliar place Zurich Travel Assist A familiar standard of care in an unfamiliar place The ultimate goal: providing a familiar standard of care in an unfamiliar place. A global approach to well-being More Americans are

More information

Students are eligible for services when traveling more than 100 miles away from their Permanent Residence

Students are eligible for services when traveling more than 100 miles away from their Permanent Residence One Delaware Drive Salem, NH 03079 24/7 On Call Global Response Center +1 603 328 1901 877 318 6891 mail@oncallinternational.com Global Academic Assistance Program Health Net Inc. Plan Description Eligibility

More information

Worldwide Travel Assistance Services

Worldwide Travel Assistance Services ACE American Insurance Company (A Stock Company) Philadelphia, PA Worldwide Travel Assistance Services ACE American Insurance Company offers worldwide travel assistance services to employees, their eligible

More information

24-Hour Emergency & Travel Assistance Services

24-Hour Emergency & Travel Assistance Services 24-Hour Emergency & Travel Assistance Services Emergency travel assistance services are provided by Assist-Card Corporation of America, Inc. ( ASSIST-CARD ). These services are available 24 hours a day,

More information

PREMIUM GLOBAL ASSIST HOTLINE 1

PREMIUM GLOBAL ASSIST HOTLINE 1 PREMIUM GLOBAL ASSIST HOTLINE 1 Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card member can make things easier

More information

DUTY OF CARE Versus DUTY OF DOLLAR: How HR and Risk Professionals Can Still Care for Employees While Watching Their Costs

DUTY OF CARE Versus DUTY OF DOLLAR: How HR and Risk Professionals Can Still Care for Employees While Watching Their Costs 1 DUTY OF CARE Versus DUTY OF DOLLAR: How HR and Risk Professionals Can Still Care for Employees While Watching Their Costs By Shawn Austin Senior Vice President, Employer Markets Accident & Health Division

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS UNIVERSITY OF CALIFORNIA Student Off-Campus Travel Insurance FREQUENTLY ASKED QUESTIONS ACE = ACE USA, the insurance company providing the Student Off-Campus Travel insurance. UHCG = UnitedHealthcare Global,

More information

International Travel Risk Management It s Not IF, it s WHEN

International Travel Risk Management It s Not IF, it s WHEN Mile High SHRM - HR Conference January 23, 2015 International Travel Risk Management It s Not IF, it s WHEN Protecting Assets. Making a Difference. SM Typical Travel Exposure Review Sean Jackson Director

More information

STEPS TO TAKE IN A REPATRIATION A SINGLE REPRESENTATIVE FROM ORIGIN TO DESTINATION. Service available 24h/365 days a year

STEPS TO TAKE IN A REPATRIATION A SINGLE REPRESENTATIVE FROM ORIGIN TO DESTINATION. Service available 24h/365 days a year The family should contact their consulate since they are familiar with the customs in the country and will know which legal formalities apply to the repatriation process. 1. Obtain contact information

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS UNIVERSITY OF CALIFORNIA Employee Business Travel Insurance FREQUENTLY ASKED QUESTIONS ACE = ACE American Insurance Company, the insurance company providing the Business Travel Accident insurance. EA =

More information

Travel Assistance. Security That Travels With You. Standard Insurance Company The Standard Life Insurance Company of New York

Travel Assistance. Security That Travels With You. Standard Insurance Company The Standard Life Insurance Company of New York Travel Assistance Security That Travels With You Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except

More information

International Student and Scholar, Visitor Travel Assistance Services Including: Medical Evacuation and Repatriation Coverage 24 Hour Assistance

International Student and Scholar, Visitor Travel Assistance Services Including: Medical Evacuation and Repatriation Coverage 24 Hour Assistance International Student and Scholar, Visitor Travel Assistance Services Including: Medical Evacuation and Repatriation Coverage 24 Hour Assistance Offered by: Trawick International, Inc. 1956-J University

More information

On Call International

On Call International On Call International Overseas Protection Program Scholastic Terms & Conditions The following Terms and Conditions apply to the On Call International Overseas Protection Program provided by On Call International

More information

ACE BUSINESS TRAVEL INSURANCE

ACE BUSINESS TRAVEL INSURANCE ACCIDENT & HEALTH ACE BUSINESS TRAVEL INSURANCE LOCAL EXPERTS, GLOBAL COVER Why choose ACE? A new and improved policy with broad coverage and a host of additional benefits Expert service from local underwriting

More information

Excess Casualty. Go above and beyond.

Excess Casualty. Go above and beyond. Excess Casualty Go above and beyond. With the right commercial umbrella insurance policy, you get more than sound coverage. You get the confidence you need to pursue business opportunities in a world where

More information

*The services listed above are subject to a maximum combined single limit of $100,000.

*The services listed above are subject to a maximum combined single limit of $100,000. GROUP MEMBERSHIP #239 RSL WorldNet Assist Through your group coverage with Reliance Standard Life Insurance Company ( RSL ), you are now eligible for the RSL WorldNet Assist travel service program, provided

More information

UNIVERSITY OF MINNESOTA EMERGENCY ASSISTANCE PROGRAM

UNIVERSITY OF MINNESOTA EMERGENCY ASSISTANCE PROGRAM UNIVERSITY OF MINNESOTA EMERGENCY ASSISTANCE PROGRAM Please keep this document with you while you travel. A comprehensive program providing You with 24/7 emergency medical, security, and travel assistance

More information

DEATH. traveller OVERSEAS

DEATH. traveller OVERSEAS artrave martrav DEATH traveller OVERSEAS ler smar artrave Each year around 1,000 Australians die overseas, usually through illness or accident. The death of a loved one is always distressing for family

More information

Travel Guard Group Business Travel Insurance

Travel Guard Group Business Travel Insurance Travel Guard THIS INFORMATION IS INTENDED FOR INSURANCE BROKERS AND OTHER INSURANCE PROFESSIONALS ONLY Travel Guard Group Business Travel Insurance Start Travel Guard swift help at your fingertips It is

More information

Here is your FrontierMEDEX ID Card

Here is your FrontierMEDEX ID Card Here is your FrontierMEDEX ID Card WORLDWIDE 24-HOURS A DAY When traveling, you can now feel confident that you are in safe hands if an emergency arises. FrontierMEDEX provides medical, security and travel-related

More information

GLOBAL EMERGENCY SERVICES

GLOBAL EMERGENCY SERVICES GLOBAL EMERGENCY SERVICES This program provides the student (and spouse and/or dependent children if enrolled) with access to doctors, hospitals, pharmacies and certain other services when faced with a

More information

Travel assistance for your employees TravelConnect SM services

Travel assistance for your employees TravelConnect SM services GROUP BENEFITS Travel assistance for your employees TravelConnect SM services Travel assistance Employer Guide The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York GP-TRAV-MJM001_Z02

More information

Copyright 2013 Cover Agency Ltd.

Copyright 2013 Cover Agency Ltd. Are You An Accountant? Do You Have Offices, or Provide Accounting Services Overseas? If so, you need Comprehensive International Travel & International Accountants Insurance, tailored to the needs of Accounting

More information

Travel Assistance. Security That Travels With You. Standard Insurance Company. Travel Assistance

Travel Assistance. Security That Travels With You. Standard Insurance Company. Travel Assistance Travel Assistance Security That Travels With You Standard Insurance Company Travel Assistance If you made a list of things that were important to you, security and health would probably be at the top.

More information

GROUP INSURANCE. Your Travel Assistance Benefit

GROUP INSURANCE. Your Travel Assistance Benefit GROUP INSURANCE Your Travel Assistance Benefit Your Travel Assistance Benefit You will be pleased to know that your supplemental health insurance coverage allows you to benefit from travel assistance,

More information

GLOBAL ASSIST SERVICES

GLOBAL ASSIST SERVICES GLOBAL ASSIST SERVICES global assist services Sometimes the unexpected may happen when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Cardmember can make

More information

Group Life. Travel Assistance. Protection You Can Take With You. If I need assistance while I m traveling at any time, from anywhere.

Group Life. Travel Assistance. Protection You Can Take With You. If I need assistance while I m traveling at any time, from anywhere. Group Life Travel Assistance Protection You Can Take With You. If I need assistance while I m traveling at any time, from anywhere. A Unique Advantage Congratulations! To complement your MetLife Insurance

More information

FOREIGN LIABILITY INSURANCE SUMMARY

FOREIGN LIABILITY INSURANCE SUMMARY FOREIGN LIABILITY INSURANCE SUMMARY Foreign Mission & Outreach Liability Insurance Plan Liability insurance for agencies, churches, and their travelers. 2008 Why do I need to be aware of this insurance?

More information

PROTECTING A COMPANY S MOST VALUABLE ASSETS:

PROTECTING A COMPANY S MOST VALUABLE ASSETS: PROTECTING A COMPANY S MOST VALUABLE ASSETS: cross-border solutions for international business travel risk management challenges Suresh Krishnan PROTECTING A COMPANY S VALUABLE ASSETS: cross-border solutions

More information

North Dakota State University Guidelines for International Travel

North Dakota State University Guidelines for International Travel North Dakota State University Guidelines for International Travel I. Introduction Travel by North Dakota State University Faculty and Staff is vital to the continued growth and educational offerings of

More information

Program: International Management Practices (IBUS-744): Central Europe March 2014

Program: International Management Practices (IBUS-744): Central Europe March 2014 INTERNATIONAL TRAVEL CONSENT AND RELEASE AGREEMENT (Please keep the LAST 3 PAGES for your records, and turn in the first 3 pages to KSB Global Learning Name (print): Program: International Management Practices

More information

EMERGENCY SERVICE PROGRAM

EMERGENCY SERVICE PROGRAM EMERGENCY SERVICE PROGRAM Contacts: For assistance, contact Travel Guard at (603) 2772-5689. LIMITS OF INDEMNITY The Limit of Indemnity for any Participant during any one event shall be as follows: 1.

More information

Dear Member: Algonquin College 27 Assistance Centers Global Security Center Global Information Center Regional Security Centers

Dear Member: Algonquin College 27 Assistance Centers Global Security Center Global Information Center Regional Security Centers Dear Member: Algonquin College continues to be concerned with your health and safety while you are traveling to an international location, participating in a study abroad or academic assignment abroad.

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS UNIVERSITY OF CALIFORNIA Student Off-Campus Travel Insurance FREQUENTLY ASKED QUESTIONS ACE = ACE American Insurance Company, the insurance company providing the Student Off- Campus Travel insurance. EA

More information

Agenda. Introduction Important considerations Global Human Resource Checklist. Getting Started

Agenda. Introduction Important considerations Global Human Resource Checklist. Getting Started Global Human Resources Checklist Consideration and Implementation Chicago GlobalBusinessNews 13 June 2014 Agenda Introduction Important considerations Global Human Resource Checklist Business Travelers

More information

ace usa ACCIDENT & HEALTH

ace usa ACCIDENT & HEALTH ace usa ACCIDENT & HEALTH Presented by: ACE USA Agenda Who is ACE Overview of Policies Outline of coverage EuropeAssistance ACE Global Platform ACE has a physical presence in over 50 countries with the

More information

I International Emergency Assistance Procedures (Includes Accidental Death and Dismemberment)

I International Emergency Assistance Procedures (Includes Accidental Death and Dismemberment) 1. Call the local emergency number in your location: Country Ambulance Police U.S. Embassy (Ask for American Citizen Services) Guatemala 123 110 2331-2354 (within Guatemala); 011-502-2331-2354 (within

More information

ACE BUSINESS TRAVEL INSURANCE

ACE BUSINESS TRAVEL INSURANCE ACCIDENT & HEALTH ACE BUSINESS TRAVEL INSURANCE LOCAL EXPERTS, GLOBAL COVER Why choose ACE? A new and improved policy with broad coverage and a host of additional benefits Expert service from local underwriting

More information

Transportation Casualty

Transportation Casualty Transportation Casualty From airlines and mass transit to railroads and trucking companies of all sizes, AIG provides admitted and non-admitted insurance programs for a full spectrum of transportation

More information

TO MEET CUSTOMEr NEEDS,

TO MEET CUSTOMEr NEEDS, Accident & Health CUSTOMIzED INSUrANCE SOlUTIONS FOr SPECIAlT Y GrOUPS Specialty Markets A COMPEllING risk MANAGEMENT A P P roac H We are the market leader for customized accident insurance solutions

More information

TRAVEL RISK WHAT YOU NEED TO KNOW BEFORE YOU FLY

TRAVEL RISK WHAT YOU NEED TO KNOW BEFORE YOU FLY 30 August 2011 TRAVEL RISK WHAT YOU NEED TO KNOW BEFORE YOU FLY Executive Summary Discussion of the four main travel risks: robbery/baggage loss, trip delay/cancellation, medical expenses and unforeseen

More information

Only residents of the United States, Canada or Mexico under the age of 75 are eligible to apply for Medjet Membership.

Only residents of the United States, Canada or Mexico under the age of 75 are eligible to apply for Medjet Membership. Please read this handboook carefully and keep it with your travel papers in order to fully understand the benefits and services and how to properly access them. Only residents of the United States, Canada

More information

PART 2 - DETAILS OF THE CLAIM

PART 2 - DETAILS OF THE CLAIM Lifeline Plus Group Personal Accident & Travel Insurance Personal Accident and Sickness Claim Form The claimant should complete and sign this form. If the claimant is under 18 years of age, this form should

More information

Why Choose StudentSecure?

Why Choose StudentSecure? Why Choose StudentSecure? Quebec City, Canada Oxford University, England Paris, France Do I need study abroad insurance? If you are a student or scholar planning on traveling to pursue your education outside

More information

MEDICAL ASSISTANCE AND EVACUATION MEDICAL SERVICE COLLEGIATE PROGRAM DESCRIPTION

MEDICAL ASSISTANCE AND EVACUATION MEDICAL SERVICE COLLEGIATE PROGRAM DESCRIPTION MEDICAL ASSISTANCE AND EVACUATION MEDICAL SERVICE COLLEGIATE PROGRAM DESCRIPTION A comprehensive program providing 24/7 emergency medical and travel assistance services when You are outside Your Home Country

More information

October 2012. Your world, Insured.

October 2012. Your world, Insured. October 2012 Your world, Insured. Leading The Way We have established ourselves as a world leader in insurance by helping our partners and customers realize their plans for the future. With a long history,

More information

UnitedHealthcare Global Travel Assistance for Liberty Mutual Insurance Program Description

UnitedHealthcare Global Travel Assistance for Liberty Mutual Insurance Program Description UnitedHealthcare Global Travel Assistance for Liberty Mutual Insurance Program Description Please keep this document with you while you travel. A comprehensive program providing all Eligible employees

More information

Primary Casualty Claims Advantages

Primary Casualty Claims Advantages Primary Casualty Claims Advantages Results Focused Professionals A highly experienced claims team with decades of experience drives better outcomes. Built on years of experience, AIG has developed an unparalleled

More information

The Art of Risk Management. Accident & Health

The Art of Risk Management. Accident & Health The Art of Risk Management Accident & Health WHAT IS CHUBB ACCIDENT & HEALTH? For more than 50 years, Chubb Accident & Health (A&H) has consistently and reliably helped protect large and small businesses,

More information

Member Handbook. Basic Membership. This Handbook helps Members fully understand the benefits and limitations of the On Call

Member Handbook. Basic Membership. This Handbook helps Members fully understand the benefits and limitations of the On Call Member Handbook Basic Membership This Handbook helps Members fully understand the benefits and limitations of the On Call Membership and how to properly access them. Membership Rules / Regulations Eligibility

More information

The Fastest Way to Recovery

The Fastest Way to Recovery The Fastest Way to Recovery Accidents don t happen on a timeline. Crisis knows no borders. When the unimaginable happens, you might find yourself on an adventure halfway around the globe. More likely,

More information

CURIE POLICY WORKSHOP UPDATE ON RISK MANAGEMENT PROGRAMS

CURIE POLICY WORKSHOP UPDATE ON RISK MANAGEMENT PROGRAMS CURIE POLICY WORKSHOP UPDATE ON RISK MANAGEMENT PROGRAMS UPDATE ON RISK MANAGEMENT PROGRAMS e-learning Travel Risk Awareness International SOS Lab Safety S2 Learning Medical and Travel Security Assistance

More information

Safe Travel for Trainee Intern Students on their Elective. An Information sheet

Safe Travel for Trainee Intern Students on their Elective. An Information sheet 1 Safe Travel for Trainee Intern Students on their Elective An Information sheet General When you travel abroad on your elective, the odds are you will have a safe and incident- free trip. You can, however,

More information

TravelConnect SM services

TravelConnect SM services FOR GROUP BENEFITS TravelConnect SM services Travel with fewer worries Employer Guide Products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York GI-TRAV-MJM001

More information

SPRING 2014 PRE-DEPARTURE WORKSHOP

SPRING 2014 PRE-DEPARTURE WORKSHOP SPRING 2014 PRE-DEPARTURE WORKSHOP Pre-Departure Workshop Spring 2014 Administrative & Practical Matters Financial Assistance: OS-HELP Loans Scholarships OS HELP Loans OS HELP Workshops already finished

More information

Understanding the Financial Interest Clause. By Rajika Bhasin, Counsel, AIG Multinational. www.aig.com/multinational

Understanding the Financial Interest Clause. By Rajika Bhasin, Counsel, AIG Multinational. www.aig.com/multinational Understanding the Financial Interest Clause By Rajika Bhasin, Counsel, AIG Multinational www.aig.com/multinational A Financial Interest Clause (FIC) is one of many options available to companies with multinational

More information

Checklist for personal accident, overseas student or foreign maid claim

Checklist for personal accident, overseas student or foreign maid claim Checklist for personal accident, overseas student or foreign maid claim Dear person claiming We are sorry to learn of your illness, injury or stay in hospital. Please send us all the documents listed below.

More information

Travellers and expatriates Frequently asked questions

Travellers and expatriates Frequently asked questions Travellers and expatriates Frequently asked questions Introduction Your company has partnered with International SOS to provide you with medical and security advice and assistance before, during and after

More information

CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER

CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER CONTENTS 1. PRIOR TO TRAVEL 2. PERSONAL ACCIDENT/TRAVEL INSURANCE 3. RESTRICTIONS TO TRAVEL FOREIGN OFFICE 4. INSURERS DETAILS AND POLICY NUMBER 5. PERSONAL ACCIDENT 6. MEDICAL EXPENSES 7. CANCELLATION

More information

AIG Assist sm serviced by AIG International Services, Inc. (AIG IS) Comparison of Services

AIG Assist sm serviced by AIG International Services, Inc. (AIG IS) Comparison of Services AIG Assist sm serviced by AIG International Services, Inc. (AIG IS) Parent or Affliate Company American International Group (AIG) MedEx Assistance Company Corporate Headquarters AIG IS - Houston, TX Towson,

More information

Risk and Insurance Considerations

Risk and Insurance Considerations Risk and Insurance Considerations Employees on Overseas Assignments Foreign Voluntary Workers Compensation Coverage Kidnap & Ransom Risk Business Travel Accident Coverage Presented September 24, 2013 Jeffery

More information

CHARTIS WHITE PAPER. Pre-travel risk assessment

CHARTIS WHITE PAPER. Pre-travel risk assessment CHARTIS WHITE PAPER Pre-travel risk assessment (1.0) Business travel: understanding an employer s duty of care With recent political unrest in Libya and the Middle East, as well as natural disasters in

More information

Occupational Accident

Occupational Accident Occupational Accident Work injury solutions for independent contractors A guide to Zurich s products, services and advantages Why Zurich for Occupational Accident insurance? Trucking companies with an

More information

Baylor University Department of Risk Management. Medical, Property & Liability Insurance Information for Employees & Students Traveling Abroad

Baylor University Department of Risk Management. Medical, Property & Liability Insurance Information for Employees & Students Traveling Abroad Most Americans travel to foreign countries and return home without experiencing any negative incidents or emergency situations while they are abroad. Even if problems or emergencies are not expected, Baylor

More information

Member Handbook. Mature Membership. This Handbook helps Members fully understand the benefits and limitations of the On Call

Member Handbook. Mature Membership. This Handbook helps Members fully understand the benefits and limitations of the On Call Member Handbook Mature Membership This Handbook helps Members fully understand the benefits and limitations of the On Call Mature Membership and how to properly access them. Eligibility and Participation

More information

Employee Guidelines for Workers Compensation Accidents

Employee Guidelines for Workers Compensation Accidents Employee Guidelines for Workers Compensation Accidents The information included in this packet will become important to you in the event that you seek medical attention or lose time from work due to a

More information

IMPORTANT INFORMATION

IMPORTANT INFORMATION ACE JERNEH INSURANCE BERHAD (formerly known as Jerneh Insurance Berhad) (9827-A) Claim Services Department, Level 26 Menara Weld, 76 Jalan Raja Chulan, 50200 Kuala Lumpur, Malaysia 1800 88 2846 Tel 03

More information

HCC Medical Insurance Services

HCC Medical Insurance Services James D. Smith - Global Benefits LLC 11880 Cobblestone Drive Suite 240 Fishers, IN 46037 Phone: 888-884-6948 Fax: 888-863-6575 E-mail: jdsmith@globalbri.com www.globalbri.com StudentSecure StudentSecure

More information

Claim Form Travel Insurance

Claim Form Travel Insurance United Overseas Insurance Limited 3 Anson Road #28-01 Springleaf Tower Singapore 079909 Tel: (65) 6222 7733 Fax: (65) 6327 3869 / 6327 3870 Email: ContactUs@uoi.com.sg uoi.com.sg Co. Reg. No. 197100152R

More information

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Lane Community College Basic Term Life Insurance Coverage What would happen to your family

More information

Employees traveling overseas: Managing the risks of unexpected medical emergencies

Employees traveling overseas: Managing the risks of unexpected medical emergencies : Managing the risks of unexpected medical emergencies Are you aware of all the travel assistance services accessible to your employees? Imagine facing this difficult scenario as either an employee or

More information

24HR. Roadside Assistance MRA SMARTPHONE APP

24HR. Roadside Assistance MRA SMARTPHONE APP DOMESTIC ROADSIDE & 1 ACCIDENT ASSISTANCE HOME ASSIST 3 EMERGENCY 5 MEDICAL ASSIST LEGAL ASSIST 6 TRAUMA & ASSAULT 7 FUNERAL ASSIST 8 INTELLIGENT PANIC 9 24HR MRA SMARTPHONE APP The MRA App is developed

More information

U.S. students studying in a U.S. location are eligible for services when more than 100 miles away from home or campus location.

U.S. students studying in a U.S. location are eligible for services when more than 100 miles away from home or campus location. For UnitedHealthcare StudentResources For UnitedHealthcare StudentResources UnitedHealthcare StudentResources policies automatically come with a powerful global assistance plan called Scholastic Emergency

More information

A special Apple or Android app is also available for download, to ensure you have easy access to your policy details at all times.

A special Apple or Android app is also available for download, to ensure you have easy access to your policy details at all times. Student Insurance We have created a special insurance policy with trusted insurance provider guard.me, to ensure you feel protected and secure when you travel and study with us. Our partner guard.me have

More information

SENIOR CLAIMS ADJUSTOR

SENIOR CLAIMS ADJUSTOR FLSA Status = Exempt Probation Period = 12 Months Job Code = 18302 SENIOR CLAIMS ADJUSTOR Class specifications are intended to present a descriptive list of the range of duties performed by employees in

More information

PERSONS. internationalsos.com

PERSONS. internationalsos.com Essential information for AUTHORISED PERSONS. About INTERNATIONAL SOS Essential information for AUTHORISED PERSONS International SOS is the world s leading medical and travel security risk services company.

More information

Your Rights Under the Missouri Workers Compensation Law

Your Rights Under the Missouri Workers Compensation Law Your Rights Under the Missouri Workers Compensation Law All states have workers compensation laws. The Missouri Workers Compensation Law is contained in Chapter 287 of the Revised Statutes of Missouri.

More information

Emergency Assistance Phone Numbers:

Emergency Assistance Phone Numbers: Thank you for purchasing the IMG OUTREACH Plan. This document includes tips for team leaders and travelers as well as resources for filing a successful claim. We highly recommend reviewing and printing

More information

Chubb Commercial Excess and Umbrella Insurance

Chubb Commercial Excess and Umbrella Insurance Chubb Commercial Excess and Umbrella Insurance Chubb Commercial Excess and Umbrella Insurance It s no secret that rapid changes in technology and an increasingly litigious society have created new and

More information

MEDICAL & SECURITY ASSISTANCE AND EVACUATION ACCESS PROGRAM DESCRIPTION

MEDICAL & SECURITY ASSISTANCE AND EVACUATION ACCESS PROGRAM DESCRIPTION MEDICAL & SECURITY ASSISTANCE AND EVACUATION ACCESS PROGRAM DESCRIPTION A comprehensive program providing 24/7 emergency medical and travel assistance services when You when You are outside Your Home Country

More information

Houses of Parliament. Health and Safety Policy Supplement (PS1) Accident and Incident Reporting

Houses of Parliament. Health and Safety Policy Supplement (PS1) Accident and Incident Reporting Health and Safety Policy Supplement (PS1) Accident and Incident Reporting This policy supplement has been prepared by the Parliamentary Safety Risk Management team and endorsed by the Director General

More information

Danaher Corporation. Voluntary Accidental Death & Dismemberment Reference Manual. for

Danaher Corporation. Voluntary Accidental Death & Dismemberment Reference Manual. for Voluntary Accidental Death & Dismemberment Reference Manual for Danaher Corporation Metropolitan Life Insurance Company New York, NY 10010 L0109284T(exp0902)MLIC-LD 1 Voluntary Accidental Death and Dismemberment

More information

THE CATHOLIC UNIVERSITY OF AMERICA Center for Global Education Washington, D.C. 20064 202-319-5618 Fax: 202-319-6673

THE CATHOLIC UNIVERSITY OF AMERICA Center for Global Education Washington, D.C. 20064 202-319-5618 Fax: 202-319-6673 THE CATHOLIC UNIVERSITY OF AMERICA Center for Global Education Washington, D.C. 20064 202-319-5618 Fax: 202-319-6673 CUA Overseas Crisis Management Protocol as of December 5, 2011 Crises are always a potential

More information

STUDY ABROAD INSURANCE PLAN

STUDY ABROAD INSURANCE PLAN What does the CISI plan cover? STUDY ABROAD INSURANCE PLAN PARTICIPANT GUIDE The CISI Plan is designed specifically for students traveling abroad. In addition to providing health insurance, the plan will

More information

UPI Premium Service Platform

UPI Premium Service Platform UPI Premium Service Platform BOC CUP Dual Currency Commercial Platinum Card One Stop Solution for UnionPay Cardholders BOC CUP Dual Currency Commercial Platinum Card brings you complimentary access to

More information

1. Personal Data. Complete all items on the following 5 pages. 2. My study abroad is through a(n): Evergreen Academic Program or Course

1. Personal Data. Complete all items on the following 5 pages. 2. My study abroad is through a(n): Evergreen Academic Program or Course 1 Complete all items on the following 5 pages. 1. Personal Data Name, as it will appear on passport (Last, First, Middle) Evergreen ID A Age Birthdate / / Month Day Year Gender, as it appears on your passport

More information