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Medical
& Emergency Travel Insurance is available with your program.
The insurance coverage includes: |
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24-Hour Emergency Help Line |
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Medical Referral Services for Local Hospitals, Physicians and Pharmacies |
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Legal Assistance Services |
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Travel Assistance Services |
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$250,000 Emergency Evacuation |
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$25,000 Repatriation of Remains |
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$5,000 Accident Medical Expense |
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$100/day Sickness/Hospital Benefit |
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Description of Coverage |
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Students and Educational Professionals are eligible
for membership benefits if they are engaged in educational
activities and a BETA membership has been purchased
and paid for in full. Upon submission of claim, proof
of status as a student or educational professional valid
at the time of enrollment and upon the date of loss
that attests to the fact the he/she is engaged in education,
or educationally sponsored activities as a student,
teacher, scholar or educational professional, whichever
is applicable, must be provided. |
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Period of Coverage |
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Effective Date: Coverage begins the date following the
day the premium is paid and will remain valid for a
period of one year. The insurance is valid only
when an Insured Person is outside of their Home Country
or Country of Domicile if different.
Premium is not refundable once paid. |
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Schedule of Benefits |
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UP TO
$250,000 Emergency Medical Evacuation
$25,000 Repatriation of Remains
$5,000 Accident Medical Expense
$100/day Sickness Hospital Benefit
(to a maximum 60 days)
$250 Passport Replacement
$50 Baggage Delay
$5,000 Accidental Death & Dismemberment
(while flying as a passenger in a scheduled, commercial
aircraft)
$1,000 Accidental Death & Dismemberment
(causes other than air accidents)
Access 24-hour Emergency Travel Assistance |
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Pre-Existing Medical Condition Exclusion Applicable to all Coverages |
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Loss or expense incurred as the result of Injury
or Sickness of an Insured Person which manifests itself
during the 90 days immediately preceding and including
the Effective Date are not covered under this insurance
program, unless the condition is controlled through the
taking of prescription drugs or medication and remains
controlled throughout the 90-day period. A sickness has
manifested itself when: (a) medical care or treatment
has been given; or (b) there exist symptoms which would
cause a reasonably prudent person to seek diagnosis, care,
or treatment. |
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Description of Coverages |
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Emergency Medical Evacuation
The Company will pay benefits for covered expenses incurred up to a maximum of $250,000 if an Injury or Illness commencing during the course of a trip results in the necessary emergency evacuation of the Insured Person. An emergency evacuation must be ordered by a Physician who certifies that the severity of the Insured Person's Injury or Illness warrants the emergency evacuation of the Insured Person. Emergency Evacuation means: a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or ill to the nearest Hospital where appropriate medical treatment can be obtained; or b) after being treated at a local Hospital, the Insured Person's medical condition warrants transportation to his/her then current place of residence to obtain further medical treatment or to recover; or c) both a) and b) above.Covered expenses are expenses, up to the maximum, for transportation, medical services and medical supplies necessarily incurred in connection with emergency evacuation of the Insured Person. All transportation arrangements made for evacuating the Insured Person must be the most direct and economical route. Expenses for special transportation must be a) recommended by the attending Physician, or b) required by the standard regulations of the conveyance transporting the Insured Person. Expenses for medical supplies and services must be recommended by the attending Physician. Transportation means any land, water or air conveyance required to transport the Insured Person during an emergency evacuation. Special transportation includes but is not limited to air ambulances, land ambulances and private motor vehicles.All emergency medical evacuations must be organized, arranged and approved by AIG International Services. |
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Repatriation of Remains |
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The Company will pay the reasonable covered expenses
incurred to prepare and return the Insured Person's body
home (to his/her home country) if he or she dies, not
to exceed the maximum of $25,000.All repatriations of
remains must be organized, arranged and approved by AIG
International Services. |
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Accident Medical Coverage |
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The Company will pay benefits for covered expenses
incurred up to a maximum of $5,000 if an Injury requires
him or her to be treated by a Physician within 30 days
of the date of the accident that caused the Injury.
The company will reimburse Usual and Customary Charge(s)
incurred for Medically Necessary covered accident medical
services received due to the Injury, up to the maximum
per Insured Person for all Injuries caused by the same
accident. This benefit is payable only for such charges
incurred within 52 weeks after the date of the accident
causing that Injury.
Covered accident medical services means any of the
following services: 1) Hospital semi-private room and
board (or room and board in an intensive care unit);
Hospital ancillary services (including, but not limited
to, use of the operating room or emergency room); or
use of an ambulatory medical center; 2) services of
a Physician or a registered nurse (R.N.); 3) ambulance
service to or from a Hospital; 4) laboratory tests;
5) radiological procedures; 6) anesthetics and the administration
of anesthetics; 7) blood, blood products and artificial
blood products, and the transfusion thereof; 8) physical
therapy and occupational therapy; 9) rent of Durable
Medical Equipment; 10) artificial limbs, artificial
eyes or other prosthetic devices; or 11) medicines or
drugs administered by a Physician or that can be obtained
only with a Physicianâ?(TM)s written prescription. |
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Sickness Hospital Benefit |
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The Company will pay $100 per day of Hospital
confinement to the Insured Person up to a maximum of
60 days if an Illness requires him or her to be confined
in a Hospital at the direction of a Physician. |
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Passport Replacement |
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The Company will reimburse expenses incurred
due to the loss of the Insured Person's passport during
the Insured Person's trip up to a maximum of $250. |
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Baggage Delay |
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The Company will reimburse expenses up to $50
for reasonable, additional clothing and personal articles
purchased by the Insured Person during a trip if the
Insured Person's baggage that had been checked with
a common carrier is delayed more than 24 hours. Claims
for reimbursement must be accompanied by receipts and
proof of delay provided by the common carrier. This
benefit does not apply if baggage is delayed after the
Insured Person returns home. |
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Accidental Death & Dismemberment |
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The Company will pay an indemnity determined
from the Table of Losses if an Insured Person sustains
a loss stated therein resulting from Injury, provided
that such loss occurs within 365 days after the date
of the accident causing such loss. In the event a covered
loss occurs while boarding, riding as a passenger on
or alighting from a scheduled, commercial airline the
Principal Sum will be $5,000. In the event a covered
loss is caused by an Injury other than while boarding,
riding as a passenger on or alighting from a scheduled
commercial airlines the Principal Sum will be $1,000. |
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| Description of Loss |
Host Families |
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Life |
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Principal Sum |
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Both Hands or Both Feet |
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Principal Sum |
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Sight of Both Eyes |
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Principal Sum |
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One Hand and One Foot |
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Principal Sum |
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| Either Hand or Foot and Sight of One Eye |
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Principal Sum |
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Either Hand or Foot |
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One-Half
of Principal Sum |
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Sight
of One Eye |
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One-Half
of Principal Sum |
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The term "loss" used above means with regard
to hands and feet, actual severance through or above
wrist or ankle joints, and with regard to eyes, entire
irrecoverable loss of sight.
Disappearance
If the body of an Insured Person has not been found
within one year of the disappearance, forced landing,
stranding, sinking or wrecking of a conveyance in which
such person was an occupant, then it shall be deemed,
subject to all other terms and provisions of the policy,
that such Insured Person shall have suffered loss of
life within the meaning of the policy.
Additional Exclusions
Loss resulting from Illness of any kind and bacterial
infections except pyogenic infection which shall occur
through an accidental wound. |
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Excess Benefits |
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All coverage, except Accidental Death and Dismemberment,
shall be in excess of all other valid and collectible
insurance indemnity and shall apply only when such benefits
are exhausted. |
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Definitions |
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The term "Injury" wherever used herein means
bodily injury caused solely and directly by violent,
external and visible means occurring while this policy
is in force resulting directly and independently of
all other causes in loss covered by this policy.
The term "Illness" wherever used herein means
sickness or disease of any kind contracted and commencing
after the effective date of this policy and causing
loss covered by this policy.
The term "Hospital" as used herein shall
mean, except as may otherwise be provided, a hospital
(other than an institution for the aged, chronically
ill or convalescent, resting or nursing homes) operated
pursuant to the law for the care and treatment of sick
or injured persons with organized facilities for diagnosis
and surgery and having 24-hour nursing service and medical
supervision.
The term "Physician" as used herein 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 and who is
not a member of the insured person's family.
The term "Usual and Customary Charge(s)"
as used herein shall mean a charge that 1) is made for
a covered accident medical service; 2) does not exceed
the usual level of charges for similar treatment, services
or supplies in the locality where the expense in incurred
(for a Hospital room and board charge, other than for
a Medically Necessary stay in an intensive care unit,
does not exceed the Hospital's most common charge for
semi-private room and board); and 3) does not include
charges that would not have been made if no insurance
existed.
The term "Medically Necessary" as used herein
shall mean that services are essential to the diagnosis,
treatment or care of the Injury or Illness for which
such services are prescribed or performed, that such
services meet generally accepted standards of medical
practice and are ordered by a Physician and performed
under his or her care, supervision or order.
The term "Durable Medical Equipment" as used
herein shall mean equipment of a type that is designed
primarily for use, and used primarily, by people who
are injured. It does not include items commonly used
by people who are not injured.
The term "Insured Person" as used herein
shall mean the person named by BETA as a participant
in this insurance program. |
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General Exclusions |
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These exclusions apply to all benefits. In addition
to any exclusions which apply to a particular benefit
(called "Additional Exclusions"), this policy
does not cover loss caused by: (a) traveling for the
express purpose of obtaining medical treatment; (b)
suicide or any attempt thereat by the Insured Person
while sane or self destruction or any attempt thereat
by the Insured Person while insane; (c) participation
in professional or interscholastic athletic events,
motor sport or motor racing including training or practice
for the same; (d) mountain climbing; (e) acts of war;
(f) military duty or service; (g) operating or learning
to operate any aircraft, as pilot or crew; (h) air travel
other than a regularly scheduled airline or air charter
company; (i) loss or damage caused by detention, confiscation,
or destruction by customs; (j) any unlawful acts, committed
by the Insured Person; (k) nuclear reaction, radiation,
or radioactive contamination; (l) civil disorder; (m)
mental, psychological or nervous disorders including
anxiety, depression, neurosis, or psychosis; (n) alcohol
or substance abuse; (o) contests of speed; (p) venereal
disease or syphilis.
MAXIMUM LIMIT OF LIABILITY: All limits are applied per
occurrence. The Company´s maximum limit of liability
resulting from the same occurrence will be $2,500,000.
If loss for all Insureds from such an occurrence exceeds
$2,500,000 we will pay each Insured that proportion
of the Benefits stated which $2,500,000, bears to the
total loss of all persons Insured under the policy. |
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The insurance benefits
described in this Description of Coverage are supplements
to the services provided for BETA participants by AIG
International Services.
The Insurance Company of the State of Pennsylvania,
a Member Company of American International Group, has
issued a policy to AIG International Services in order
to provide the benefits to eligible participants of
the BETA program as outlined in this Description of
Coverage. |
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Aig Assist |
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Assistance services are provided by AIG International
Services. Assistance Services are service benefits,
not financial benefits. Any costs associated with benefits
not purchased will be paid by the Insured Person. With
the exception of Pre-Travel Assistance, services are
only available when traveling outside of Insured Person's
Home Country or County of Domicile if Different. |
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Advice on required and recommended immunization |
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Health information and precautions for medically remote or underserved areas |
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Information for handicapped or disabled travelers |
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Help in arranging special medical services needed while traveling |
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Information on current political/environmental warnings |
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Medical Emergency Services |
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Worldwide, 24-hour medical referral service for local physicians, hospitals and pharmacies |
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Medical Case Monitoring:
* Maintain contact
between local and personal physicians
* Provide medical
records to local physicians
* Maintain daily
contact between patient, family, employer, etc.
* Monitor quality
and cost of hospital treatments |
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Medical transportation arrangements |
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Emergency message service for medical situations |
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Arranging contact with a local English-speaking attorney |
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Worldwide, 24-hour contact for non-criminal legal emergencies |
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Legal referral to help you locate a consular official or attorney |
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Worldwide, 24-hour telephone contact for advice on handling losses and delays |
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Help with lost passports, tickets and documents |
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Advice on filing travel-related claims |
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Arrange shipments of forgotten, lost or stolen items |
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Relay emergency messages |
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Payment of Claims
The insurance benefits described herein are underwritten
by The Insurance Company of the State of Pennsylvania,
a Member Company of American International Group.
With the exception of Emergency Medical Evacuation, Repatriation
of Remains and Accidental Death and Dismemberment, the
benefits described herein are reimbursement benefits.
Complete documentation must accompany claims submissions.
Medical claims must include fully itemized statement of
charges with diagnosis on the Physician's letterhead or
regular billing forms. Baggage delay claims must include
descriptive receipts and documentation of the delay from
the common carrier. Passport replacement claims must include
descriptive receipts and documentation from the passport
issuer.
Proof of eligibility is required to be submitted with
each claim.
To obtain a claim
form and information on claims procedures contact:
American International Companies
Accident & Health Claims
Travel Insurance Services Claims Unit
P.O. Box 15701
Wilmington, DE 19850-5701
Important:
Claims must be submitted within 90 days from the date
expenses are incurred.
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insurance is valid only when an Insured Person is outside
of their Home Country or Country of Domicile if different.
Call AIG International Services
immediately in the event an Emergency Medical Evacuation
may become necessary. Failure to call AIG International
Services may invalidate any payment applicable for claims
under the Emergency Medical Evacuation and Repatriation
of Remains benefits. |
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