International travel and relocation have become
common if not routine for many businesses and organizations. Unfortunately,
multinational employers and group organizers are faced with challenging special
risks, which may be unfamiliar or overlooked when conducting business overseas.
Identifying and adequately insuring medical emergencies, air evacuations
and accidental deaths can save businesses and organizations thousands of
dollars in the event of a crisis.
A blanket policy is ideal for multinational business, organizations, universities, and church/missionary groups sending their employees or members overseas for short or long periods of time.
Our policies are flexible and can be customized to meet our clients' special needs. Before submitting the quote request form, companies and organizations should determine what coverage, if any, they have for employees or members while traveling or living abroad.
Our international group medical plans can be
used as primary insurance in the event that your company or organization has no
coverage outside the United States or country of residence. However, if your
base coverage does provide limited reimbursements for eligible expenses our
plan will be secondary to the base plan and will fill the gaps. For example: we
would pay for medical expenses not covered under your base plan and coordinate
the benefits with your insurance company. Additionally, we would cover those
expenses and services which typically are not covered under U.S. or
nationalized health plans such as air evacuation, repatriation of remains, 24
hour worldwide services (with access to U.S. board certified Physicians),
guaranteed payments to medical facilities, interpreters and translation
services, instant physician and hospital referrals and last but certainly not
least: peace of mind.
If an injury or illness occurs during the period of coverage and the insured person requires medical or surgical treatment, this plan will pay, subject to the co-insurance and selected deductible, reasonable and customary charges for the following covered expenses, up to the selected policy maximum. The covered charges shall in no event include any amount which is in excess of reasonable and customary charges for the geographical area where the services are rendered, as determined by The Company.
From $25,000 to $250,000
1. Charges made by a hospital for room and board, floor nursing, and other services inclusive of charges for professional services, and with the exception of personal services of a non-medical nature provided. The expenses cannot, however, exceed the hospital's average cost for semi-private room and board, or two times the average semi-private room charge made by the servicing hospital if confinement to an intensive care unit is required, or the average charge for intensive care unit made by the servicing hospital, whichever is less.
2. Charges made for diagnosis, treatment, and surgery by a physician.
3. Charges made for the cost and administration of anesthetics.
4. Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusion, iron lungs, and medical treatment.
5. Charges for physiotherapy, if recommended by a physician, for the treatment of a specific disablement, and administered by a licensed physiotherapist.
6. Dressings, drugs, and medicines that can only be obtained upon a written prescription of a physician.
From $5,000 to $75,000 (optional)
If you or any covered dependents become ill 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 or country of residence, all eligible expenses incurred are covered up to the selected maximum. An Emergency Medical Evacuation must be recommended by a legally licensed physician who certifies that the severity of the injury or illness necessitates such an Emergency Medical Evacuation, and approved by The Company.
From $10,000 to $250,000 Principal Sum
For Accidental Death and Dismemberment Indemnity, this plan does not cover any loss caused by or resulting from:
1. Intentionally self-inflicted injury
2. Suicide or attempted suicide, while sane or insane
3. War or any act of war, declared or undeclared
4. Service in the military, naval, or air service of any country
5. Illness, disease, pregnancy, childbirth, miscarriage, or any bacterial infection other than bacterial infection occurring from an accidental cut or wound
6. Piloting or acting as a crew member or riding in any aircraft; except as a fare paying passenger on a scheduled airline
From $5,000 to $50,000 (optional)
If injury or illness commencing during the period of coverage results in death, all reasonable expenses incurred for preparation and return of the remains to your Home Country or Country of Residence are covered up to the selected maximum.
$10,000 Maximum (Optional)
In the event of an Emergency Medical Evacuation due to a covered injury or illness, where the physician feels that it would be beneficial for you to have a family member at your side during transport, you will be reimbursed for travel and lodging expanses for that relative, up to $10,000, provided that all travel arrangements are coordinated in advance by the assistance provider. Benefits payable include economy air ticket and other travel related expenses not to exceed $250.00 a day for a maximum of five days.
Provides referral to the nearest, most appropriate medical facility and provider. Medical monitoring by board certified emergency physicians. Urgent message relay between family, friends, personal physician, and the insured. Arranging and coordinating Emergency Medical Evacuations, Emergency REunions, and REpatriations. Referral to legal assistance. Assistance in locating lost or stolen items including lost ticket application processing.
For the Medical Expense, Emergency Medical Evacuation and Repatriation of Remains benefits, no benefit shall be payable with respect to expenses incurred:
- , defined as: That within a three-year period immediately preceding the Insured Person's effective date: a)there was the existence of symptoms, whether or not a diagnosis has been made, which would cause an ordinarily prudent person to have an examination or to seek diagnosis, care or treatment, or b) there was a condition, illness or injury for which an examination or diagnostic test was done, or for which medical advice or treatment was recommended by or received from a physician;
- For services, supplies, or treatment; including hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a physician; or expenses which are non-medical in nature;
- For suicide or attempted suicide: while sane or insane;
- For loss incurred as a result of declared or undeclared war; or any act thereof;
- A) For injury sustained while participating in an amateur, club,intramural, interscholastic or intercollegiate sport;
B) For injury sustained while participating in a professional or semi-professional sport;
- For loss incurred as a result of pregnancy, childbirth, or miscarriage, or complications thereof;
- For miscarriage resulting from an accident;
- For routine physicals;
- For cosmetic or plastic surgery; except as the result of an accident;
- For elective surgery;
- For any mental and nervous disorder or rest cures;
- For dental care; except as the result of injury to natural teeth caused by an accident;
- For eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting thereof; unless caused by accidental bodily injury incurred while insured hereunder;
- In connection with alcoholism or drug addiction; or the use of any drug or narcotic except as prescribed by a physician;
- For expenses as a result of or in connection with intentionally self inflicted injury;
- For expenses as a result of or in connection with the commission of a felony offense;
- For specific named hazards: motorcycling, scuba diving, jet, snow, and water skiing, mountain climbing, sky diving, amateur racing, piloting an aircraft, bungee jumping, spelunking, whitewater rafting, surfing, parasailing;
- For treatment furnished under any other individual or group Policy, or other service or medical pre-payment plan to the extent so furnished; or under any government program or facility set up for treatment without cost to any individual;
- For treatment by a family member;
- For treatment relating to birth defects and congenital conditions; or complications arising from those conditions.
- For treatment of sexually transmitted diseases; immune system disorders including, but not limited to AIDS, ARC, or tested positive for the HIV Virus;
- For any injury or illness that occurs while the insured has been determined to be legally intoxicated, or under the influence of any narcotic, barbiturate, or hallucinatory drug, unless administered by a physician and taken in accordance with the prescribed dosage.
- Intentionally self-inflicted injury;
- Suicide or attempted suicide; while sane or insane;
- War or any act of war; declared or undeclared;
- Service in the military, naval, or air service of any country;
- Illness, disease, pregnancy, childbirth, miscarriage or any bacterial infection other than bacterial infection occurring from an accidental cut or wound;
- Piloting or acting as a crew member or riding in any aircraft; except as a fare paying passenger on a scheduled airline.
- Home Country Coverage - Provides coverage for eligible medical expenses incurred while an insured person is in their Home Country or Country of Residence. Such coverage is available up to a maximum of 2 months per 12 months of coverage. Coverage shall be pro rated in the event that and insured person's coverage is less than 12 months.
- Hazardous Activity Coverage - motorcycling, scuba diving, jet, snow, and water skiing, mountain climbing, sky diving, amateur racing, piloting an aircraft, bungee jumping, spelunking, whitewater rafting, surfing, and parasailing coverage.
- Athletic Coverage - for participation in amateur, club, interscholastic or intercollegiate tennis, swimming, cross country, track, baseball, softball, volleyball and golf sports only. All other sports excluded. Purchase of this rider will remove Exclusion 5 A) above.
Printer Friendly
