Medical Evacuation and Repatriation Plan

Transcription

1 Medical Evacuation and Repatriation Plan includes Assistance Services A supplemental plan designed for individuals engaged in international education activities outside their home country. the Harbour Group Insuring the Health of Tomorrow s Leaders SM Introduction Each year, hundreds of thousands of international students, scholars, faculty members, researchers and others involved in educational exchange activities travel between countries to pursue their academic goals. Colleges and universities around the world welcome these individuals to their campuses, and their communities. Most educational institutions in the USA and abroad, as well as many governments, require international students and scholars to maintain adequate medical insurance during their term of study. In some cases, international students and scholars already have medical insurance, but their policies may not provide benefits for medical evacuation or repatriation. This plan is designed to provide these important benefits to people in this situation. This Medical Evacuation & Repatriation Benefit plan is designed to supplement Your existing medical insurance plan. Please note that this plan does not include benefits for medical expenses incurred as a result of an accident or illness. However, this plan provides benefits for medical evacuation and repatriation of remains. The plan also includes access to a wide range of travel assistance services, which are available worldwide, 24 hours a day, 365 days a year at no extra cost. Please review the information in this brochure, and feel free to contact The Harbour Group with any questions You may have. Eligibility This plan provides benefits for emergency medical evacuation, repatriation of remains, accidental death & dismemberment, and assistance services for individuals engaged in international education activities while traveling outside their home country. Eligible participants include international students, scholars and others engaged in international education activities, up to age 65. Eligible dependents under the policy include the Insured person s spouse and unmarried dependent children under age 19 who have a similar visa and who accompany the Insured person while he or she is engaged in international education activities. Persons with permanent residency are not eligible to enroll in this plan. How to Enroll To enroll for coverage under the plan, please visit our website at to complete a secure on-line enrollment. If You prefer to send Your enrollment by mail or fax, please complete the attached enrollment form and return it to The Harbour Group along with payment for the total premium due. Upon receipt of Your completed enrollment, We will send You a Confirmation of Coverage document.

2 Assistance Services page 2 When Coverage Begins and Ends Coverage begins at 12:01 a.m. on the later of: 1. The date and time the Underwriter receives a completed application and plan cost for the Period of Coverage; or 2. The Effective Date requested on the application; or 3. The moment You depart Your Home Country; or 4. The date the Underwriter approves the application. Enrollment forms sent on-line or by fax will not be effective before 12:01 a.m. on the date which is at least twenty four hours after the date the completed enrollment form and total premium are received by The Harbour Group. Coverage ends at 11:59 p.m. on the earlier of: 1. Your return to Your Home Country (except as provided under the Home Country Coverage); or 2. The expiration of three hundred and sixty-four (364) days from the Effective Date of Coverage; or 3. The date shown on the ID card; or 4. The end of the period for which plan cost has been paid; or 5. The date You fail to be considered an Eligible Person; or 6. The maximum benefit amount has been paid. *Each Policy Period cannot exceed one year. NOTE: This is only a brief description of the plan benefit. The policy shall provide the only basis for coverage and claim. Schedule of Benefits All Coverages and Plan Costs listed in this Evidence of Benefits are in U.S. Dollar amounts. Emergency Medical Evacuation $50,000 Repatriation of Mortal Remains $50,000 Accidental Death & Dismemberment $10,000 Insured (AD&D) $5,000 Dependent Spouse (principal sum) $1,000 Dependent Child International Assistance Services Included Description of Benefits Emergency Medical Evacuation Expenses $50,000 If you or any covered dependents become sick or injured during the period of coverage and it has been determined that an Emergency Medical Evacuation is required to either the nearest medical facility, where appropriate medical treatment can be obtained, or to your Home Country, all eligible expenses incurred are covered up to $50,000. An Emergency Medical Evacuation must be recommended by a legally licensed physician who certifies that the severity of the Injury or Sickness necessitates such Emergency Medical Evacuation, and agreed to by you or your representative. Repatriation of Mortal Remains Expenses $50,000 If Injury or Sickness commencing during the Period of Coverage results in death, all reasonable expenses incurred for preparation and return of the remains to the Home Country are covered up to a maximum of $50,000. Accidental Death & Dismemberment (AD&D) The program includes Accidental Death & Dismemberment coverage for each Insured Person, Insured Spouse and Dependent Child(ren). If an Injury occurs during your Period of Coverage and results in one of the following losses within 365 days after an accident, the program will pay for loss as follows (Additional information in Program Summary): Insured Spouse Child Loss of Life 100% $10,000 $5,000 $1,000 Loss of two members 100% $10,000 $5,000 $1,000 Loss of one member 50% $5,000 $2,500 $500 Loss of speech and hearing 100% $10,000 $5,000 $1,000 Loss of speech or hearing 50% $5,000 $2,500 $500 Quadriplegia 100% $10,000 $5,000 $1,000 Paraplegia 50% $5,000 $2,500 $500 Hemiplegia 25% $2,500 $1,250 $250 Assistance Services Upon enrollment, you are eligible to use any of the assistance services listed in the Program Summary provided by the Assistance Company. Pre-Trip Assistance Telephone information about passports, visas; Telephone information about health hazards in remote areas; Telephone information about inoculations; Help in arranging special medical treatment facilities needed while traveling. Medical Assistance While Traveling 24-Hour telephone contact for travel medical emergencies, Assistance in locating medical care; Arranging telephone conferences between your attending and home physicians; Arranging second medical opinions in hospital cases; Relaying emergency messages to family and employer during medical emergencies; Guarantee or payment of medical bills using your available financial resources; 24-hour ticketing service to arrange family visits; Arranging Emergency Medical Evacuation from medically underserved areas; Arranging evacuation for catastrophic claims; Arranging medical transportation home after treatment; Arranging escorts and transportation for unaccompanied children; Arranging transfer of medical records; Arranging repatriation of remains for deceased travelers; Notify your health insurer of a claim.

3 Assistance Services page 3 General Travel Assistance 24-Hour telephone contact for baggage and other travel problems; Advice on handling losses and delays; Follow-up contact with airlines regarding baggage; Help with lost passports, ticket and documents; Guarantee or payment of emergency expenses using your available financial resources; Arranging shipments of forgotten, lost or stolen items; Relaying emergency messages. Definitions Accident or Accidental shall mean an event, independent of Illness or self-inflicted means, which is the direct cause of bodily Injury to an Insured Person. Hospital shall mean a place that 1) Is legally operated for the purpose of providing medical care and Treatment(s) to Sick or Injured persons for which a charge is made that the Insured Person(s) is legally obligated to pay in the absence of insurance 2) Provides such care and Treatment(s) in medical, diagnostic, or surgical facilities on its premises, or those prearranged for its use; 3) Provides 24-hour nursing service under the supervision of a Registered Nurse at all times; and 4) Operates under the supervision of a staff of one or more Physician(s). Hospital also means a place that is accredited as a Hospital by the Joint Commission on Accreditation of Hospitals, American Osteopathic Association, or the Joint Commission on Accreditation of Health Care Organizations (JCAHO). Hospital does not mean: A Convalescent, nursing, or rest home or facility, or a home for the aged; A place mainly providing Custodial, Educational, or Rehabilitative Care; or A facility mainly used for the Treatment(s) of drug addicts or alcoholics. Injury shall mean accidental bodily injury or injuries caused by an accident which occurs after the Effective Date of this policy. The Injury must be the direct cause of the loss, independent of disease or bodily infirmity. Period of Coverage or Policy Period shall mean the Period of Coverage issued by the Underwriter to the Insured Person, typically beginning with the Effective Date and ending with the Expiration Date or the date coverage is renewed by the Underwriter. Physician means a person, other than the Insured or a member of the Insured s family, who holds a medical license or medical certificate. In this Policy shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform Surgery in accordance with the laws of the jurisdiction where such professional services are performed, however, such definition will exclude chiropractors and physiotherapists. Underwriter shall mean Certain Underwriters at Lloyds, London. You or Your shall mean the Primary Insured Person and the Primary Insured s Spouse or Dependent. Exclusions For Accidental Death and Dismemberment, Emergency Medical Evacuation, Repatriation of Mortal Remains, this insurance does not cover: 1. Suicide or attempt thereof while sane or self destruction or any attempt thereof while insane; 2. Disease of any kind; Bacterial infections except pyogenic infection which shall occur through an accidental cut or wound; (Only applicable for Accidental Death & Dismemberment) 3. Hernia of any kind; 4. Injury sustained while the Insured Person is riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting from, any type of aircraft; 5. Injury sustained while You are riding as a passenger in any aircraft (a) not having a current and valid Airworthy Certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft; 6. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:(a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; (b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power. (c) any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence; (d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the Occurrences ). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Underwriter shall not be liable under this Policy except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions; 7. Service in the military, naval or air service of any country; 8. Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; 9. Flying in any rocket-propelled aircraft; 10. Flying in any aircraft being used for or in connection with crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose;

4 Assistance Services page Flying in any aircraft which is engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted; 12. Illness of any kind; 13. Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified Physician or surgeon; 14. Injury occasioned or occurring while You are committing or attempting to commit a felony or to which a contributing cause was You being engaged in an illegal occupation; 15. While riding or driving in any kind of competition; 16. Pregnancy, childbirth, miscarriage or abortion; 17. This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act. 18. Benefits attributable to injury or illness during the first 30 days of coverage for persons who enroll in this plan while confined to a Hospital, a convalescent, nursing, or rest home or facility, or a home for the aged, a place mainly providing Custodial, Educational, or Rehabilitative Care, a hospice or a facility mainly used for the Treatment(s) of drug addicts or alcoholics at the time of enrollment. (Only applicable for Emergency Medical Evacuation and Repatriation of Remains). Privacy Policy We maintain physical, electronic and procedural safeguards that comply with federal standards to protect Your personal information. We do not use or disclose Your information for any fundraising, marketing or research activities. We use and disclose Your information to determine Your eligibility for plan benefits, to facilitate payment for treatment and services provided to You, to coordinate benefits and to carry out other necessary insurancerelated activities. We use or disclose the minimum information necessary to process a claim or answer a claims inquiry. We may also disclose Your information to law or government agencies when required by law to do so. Under the privacy laws, You have unlimited access to Your information. You may limit how We use and disclose Your information and get a listing of instances where it was disclosed. You may request that We correct inaccurate information or add missing information. If You have any questions about Your rights, Our Privacy Practices or You want to file a complaint, please contact Our Privacy Officer at: (800) or Premium Period of Coverage Insured Spouse Each Child Annual $60.00 $60.00 $60.00 Semi-Annual (six months) $48.00 $48.00 $48.00 Quarterly (three months) $42.00 $42.00 $42.00 The Underwriter: The Group Plan is underwritten by Certain Underwriters at Lloyd s, London. As the largest insurance entity in the world, Lloyd s has earned an A (Excellent) rating from AM Best and an A+ (Strong) Rating from Standard and Poor s. Administration: Policy and claims administration provided by Seven Corners, Inc. Plan Arranged By The Harbour Group of Ohio, LLC 93 Edgebrook Drive PO box 998 Springboro, Ohio USA Telephone: Toll-free: Fax: info@hginsurance.com A NAFSA Global Partner 7/13

5 Please print, answer all questions and sign below. Last Name (Please print one letter per block.) Enrollment Form Date of Birth First Name Month Day Year Male Female Street Address City State Zip/Postal Code Country Telephone ( ) Name of School/City Insurance will become effective on the later of the date requested, or the date a completed I want my insurance to begin on enrollment form and total premium are received by The Harbour Group (Enrollment forms Month Day Year submitted on-line or by fax will not be effective before 12:01 a.m. on the date following the date received by The Harbour Group). Type of visa** held: F-1 J-1 Other ** Applicable only to international students or scholars studying in the USA. Home Country Country of Assignment Eligibility (Check one): Undergraduate Graduate Scholar Faculty Trainee Other (Describe) I Wish To Enroll For Insurance Under The Terms Of The Policy As Follows: Please complete for participant, spouse and child(ren) to be insured. Premium per person see Premium Rates box below Participant $ _ Month Day Year Spouse Male Female Date of Birth $ _ Child _ Male Female Date of Birth $ _ Child _ Male Female Date of Birth $ _ Payment: Check Money Order VISA MasterCard Credit Card Number Expiration Date Name on Credit Card Signature of Cardholder Accidental Death and Dismemberment Benefits: Participant's Beneficiary (Name) Relationship to Participant Security Code I hereby certify that as the participant applicant named above, I am a nonresident alien and not a resident of the host country and that I am temporarily engaged in international education activities on a full time basis. Student or Scholar s Signature Date Enrollment Fee Total Amount Due Premium Rates Please check premium box Remittance Accepted In U.S. Funds Only Check or money order (U.S. FUNDS ONLY) should be made payable to The Harbour Group Send payment and enrollment form to: The Harbour Group P.O. Box 998 Springboro, OH USA $ $20.00 $ _ Period of Coverage Insured Spouse Each Child Annual $60.00 $60.00 $60.00 Semi-Annual (six months) $48.00 $48.00 $48.00 Quarterly (three months) $42.00 $42.00 $ /13