Study Abroad Insurance                          

Even if you have good health insurance at home, you may only have limited coverage or no coverage at all while abroad.  Few domestic insurers, Health Maintenance Organizations or Preferred Provider Networks provide coverage for medical evacuations, reunion benefits, repatriation benefits, or medical assistance in a foreign country.

The Health Insurance for U. S. Students Studying Abroad plan is designed for foreign trips or visits lasting up to 12 months and may provide you with real peace of mind.  If you get sick or injured you need to know – quickly—where to go for the best medical treatment possible.  The plan is widely recognized by Study Abroad professionals.

Benefits include:

• Access to the 24 hour, 365 days per year Europ Assistance USA network for emergency assistance anywhere in the world.  This gives you fast, reliable referrals to the nearest medical facility or provider, as well as help relaying messages to family members.

• Medical Expense Benefits with choice of deductibles.

• Emergency Medical Evacuation Benefits.

• Emergency Reunion Benefits.

• Repatriation of Remains Benefits.

• Accidental Death and Dismemberment Benefits.

• Optional Riders for Home Country coverage.

Eligibility
You may be covered under this Plan if you are temporarily pursuing educational activities outside the United States as a participant of a study abroad program or experience, and you are a United States citizen, permanent resident of the U.S. or an international student in the U.S., and you are enrolled as a student; or you are a faculty or staff member.  International students, international faculty or international staff members are not eligible for coverage in their Home Country, except as provided by the Home Country Benefit Optional Rider, if selected.

You may also enroll your lawful spouse and unmarried children under age 19 who are traveling and residing with you, provided they are dependent upon you for maintenance and support. Only insured students may purchase dependent coverage. Any children born to you and your spouse while you are covered under the Plan will be insured from the moment of birth. Coverage on a newborn child will cease 31 days after date of birth unless the Company receives notification of birth, a completed enrollment form and required premium.

Enrollment Information
Depending upon your needs and situation, you may select a period of insurance from a minimum of one month to a maximum of 12 months. Should you wish to continue your coverage at the end of this initial period, the Company will then determine your eligibility for an additional term of coverage.
To enroll in the Plan, complete the enclosed enrollment form and return it with the full premium for the period of coverage you select.
Unless your trip is cancelled and the Company is notified prior to the effective date of your coverage, all premiums received by the Company are non-refundable.

Period of Coverage
Coverage will begin at 12:01 am. Local Time on the latest of the following: a) your departure from the United States; b) the date your enrollment form and premium are received by the Company or its designated administrator; or c) the date you requested on the enrollment form for coverage to begin.
Coverage will end on the earliest of the following: a) the termination date as shown on your ID card; b) the date through which premium has been paid; or c) the coverage termination date under Policy provisions.
Coverage is not available once the covered person has returned to the United States or his or her Home Country, unless the Extended Benefits Option is purchased.

Medical Expense Benefits

Plan A, Accident & Sickness Basic Plan
The Company will pay 100% of covered expenses up to $5,000, after the covered person  has paid the first $50 (deductible) per covered Sickness or Injury.
For covered expenses in excess of $5,000 up to $15,000, the Company will pay 80%.
For covered expenses in excess of $15,000 up to the $500,000 maximum, the Company will pay 100%.
The deductible amount consists of covered expenses which would otherwise be payable under the Policy. This deductible is the covered person’s  responsibility.

Plan B, Accident & Sickness High Option Plan  with no copays!
The Company will pay 100% of covered expenses up to $500,000, after the covered person  has paid the first $50 (deductible) per covered Sickness or Injury.
The deductible amount consists of covered expenses which would otherwise be payable under the Policy. This deductible is the covered person’s responsibility.

Definitions

“Sickness” means an illness, disease or condition of the covered person that causes a loss for which he or she incurs medical expenses while covered under the Policy.  All related conditions and recurrent symptoms of the same or similar condition will be considered one Sickness.  Pregnancy is included in the definition of sickness.
“Injury” means accidental bodily harm sustained by a covered person that results directly and independently from all other causes from a covered accident. The Injury must be caused solely through external and accidental means. All injuries sustained by one person in any one accident, including all related conditions and recurrent symptoms of these injuries, are considered a single Injury.
“Medically Necessary” means a treatment, service or supply that is: 1) required to treat an Injury or Sickness; prescribed or ordered by a doctor or furnished by a Hospital; 2) performed in the least costly setting required by the covered person’s condition; and 3) consistent with the medical and surgical practices prevailing in the area for treatment of the condition at the time rendered. A service or supply may not be Medically Necessary if a less intensive or more appropriate diagnostic or treatment alternative could have been used. The Company may, at its discretion, consider the cost of the alternative to be the covered expense.
“Home Country” means a country from which the covered person holds a passport.  If the covered person holds passports from more than one country, his or her Home Country will be that country which the covered person has declared to Us in writing as his or her Home Country.

What Expenses Are Covered

To be considered a covered expense under this Plan, it must: a) have been incurred as the result of, and within 52 weeks of, a covered Sickness or Injury outside of the United States during the Period of Coverage (except as specifically provided by the Home Country Optional Rider, if purchased); b) not be excluded by provisions of this Plan; c) be Medically Necessary; and d) be specifically included in the following list of charges:
1. Expenses made by a hospital for room and board, including general nursing services and any other medically necessary hospital services, but not including personal services of a non-medical nature.  However, allowable expenses may not exceed the hospital’s average charge for semiprivate room and board accommodation.
2. Expenses made for diagnosis, treatment and surgery by a doctor.
3. Expenses made for anesthetics and their administration.
4. Expenses for x-ray services, laboratory tests and services, and durable medical equipment, both inpatient and outpatient.
5. Expenses for physiotherapy, if recommended by a doctor for the treatment of an Injury or Sickness, and administered by a licensed physiotherapist.  Chiropractic care is limited to 80% of eligible charges up to $35 per visit and a maximum of 10 visits per Injury or Sickness. 
6. Expenses for prescription drugs including dressings, drugs and medicines prescribed by a doctor.  The Company will pay 100% of the inpatient expenses incurred, and 50% of outpatient expenses incurred.
7. Expenses for dental expenses resulting from an accident, up to $100 per tooth, $500 maximum benefit.
8. Expenses for therapeutic termination of pregnancy, up to a $500 maximum.
9. Expenses for newborn nursery care, up to a $500 maximum.
10. Expenses incurred for treatment of nervous or mental disorders:  up to $300 for outpatient treatment, up to 50% of eligible expenses for inpatient treatment with a maximum of 30 days.

Emergency Medical Evacuation Benefit
100% of Covered Expenses

The Company will pay Emergency Medical Evacuation Benefits for 100% of Covered Expenses incurred for the medical evacuation of a Covered Person.  Benefits are payable if the Covered Person:  1) suffers a Medical Emergency during the course of the Trip; 2) requires Emergency Medical Evacuation; and 3) is traveling outside of his or her Home Country.

Covered Expenses:
1. Medical Transport: expenses for transportation under medical supervision to a different hospital, treatment facility or to the Covered Person’s place of residence for Medically Necessary treatment in the event of the Covered Person’s Medical Emergency and upon the request of the Doctor designated by Our assistance provider in consultation with the local attending Doctor.
2. Dispatch of a Doctor or Specialist: the Doctor’s or Specialist’s travel expenses and the medical services provided on location, if, based on the information available, a Covered Person’s condition cannot be adequately assessed to evaluate the need for transport or evacuation and a doctor or specialist is dispatched by Our service provider to the Covered Person’s location to make the assessment. 
3. Return of Dependent Child(ren): expenses to return each Dependent child who is under age 18 to his or her principal residence if a) the Covered Person is age 18 or older; and b) the Covered Person is the only person traveling with the minor Dependent child(ren); and c) the Covered Person suffers a Medical Emergency and must be confined in a Hospital.
4. Escort Services: expenses for an Immediate Family Member or companion who is traveling with the Covered Person to join the Covered Person during the Covered Person’s emergency medical evacuation to a different hospital, treatment facility or the Covered Person’s place of residence.

Benefits for these Covered Expenses will not be payable unless: 1) the Doctor ordering the Emergency Medical Evacuation certifies the severity of the Covered Person’s Medical Emergency requires an Emergency Medical Evacuation; 2) all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible; 3) the charges incurred are Medically Necessary and do not exceed the Covered Expenses for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and 4) do not include charges that would not have been made if there were no insurance.  During the course of an Emergency Medical Evacuation of a covered person to their Home Country, all benefits under this plan are terminated except Accidental Death and Dismemberment Benefits. (Unless the Home Country Benefit Option is purchased, in which case those benefits will be available.)

“Medical Emergency” means a condition caused by an Injury or Sickness that manifests itself by symptoms of sufficient severity that a prudent lay person possessing an average knowledge of health and medicine would reasonably expect that failure to receive immediate medical attention would place the health of the person in serious jeopardy.  “Trip” means travel by air, land, or sea from the Covered Person’s Home Country.

Benefits will not be payable unless the Company (or its authorized assistance provider) authorizes in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by the assistance provider.

Emergency Reunion Benefit
$12,500 Maximum Benefit

In the event the Insured has either been: 1) confined in a Hospital for at least 24 consecutive hours due to a covered Injury or Sickness, where the attending doctor believes it would be beneficial for the Insured to have a Family Member at his or her side; or 2) the victim of a Felonious Assault, the Company will pay the expenses incurred for travel and lodging for that Family Member, up to the Benefit Maximum of $12,500.  Covered expenses include an economy airline ticket and other travel related expenses not to exceed the Daily Benefit Maximum of $300 and a maximum of ten days.  

In the event that a Covered Person dies as a result of a Covered Injury or Sickness, the Company will pay the expenses incurred for emergency travel arrangements up to a maximum of $2,500 for a Family Member to accompany the mortal remains of the deceased Covered Person.

All transportation and lodging arrangements must be made by the most direct and economical route and conveyance possible and may not exceed the usual level of charges for similar transportation or lodging in the locality where the expense is incurred.

“Felonious Assault” means a violent or criminal act reported to the local authorities which were directed at the covered person during the course of, or an attempt of, a physical assault resulting in serious Injury, kidnapping, or rape.  “Family Member” means a person who is related to the covered person in any of the following ways: spouse, parent (includes stepparent); child (includes legally adopted and stepchild); brother or sister (includes stepbrother or stepsister); parent-in-law; son- or daughter-in-law; and brother- or sister-in-law.
 
All arrangements must be made by the Assistance Provider and approved by the Company (or its authorized assistance provider) in order for expenses to be considered eligible.

Repatriation of Remains Benefit
100% of Covered Expenses

The Company will pay Repatriation Benefits of 100% of Covered Expenses for preparation and return of a Covered Person’s body to his or her home if he or she dies as a result of a Medical Emergency while traveling outside of his or her Home Country.  Covered expenses include:  1) expenses for embalming or cremation;  2) the least costly coffin or receptacle adequate for transporting the remains; 3) transporting the remains; and 4) Escort Services: expenses for an Immediate Family Member or companion who is traveling with the Covered Person to join the Covered Person’s body during the repatriation to the Covered Person’s place of residence.

All transportation arrangements must be made by the most direct and economical route and conveyance possible and may not exceed the Covered Expenses for similar transportation in the locality where the expense is incurred.

Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider.

Coordination of Benefits
If you are covered by more than one insurance program, benefits are payable subject to a Coordination of Benefits provision. A plan which does not have such a provision would pay its benefits first. In all other instances, the plan that will pay its benefits first will be:
a) the plan which covers the insured person as an employee rather than as a full or part-time student.
b) if a) does not apply, the plan which covers the person as a full or part-time student rather than a dependent.
c) if a) and b) do not apply, the plan which covers the person as a dependent, subject to specific rules contained in the policy
d) if a), b), and c) do not apply, then the plan which has covered the Insured Person for the longer time rather than the shorter time.
If the benefits of this plan are reduced due to these rules, such reduction will be done in proportion. Any benefits paid by this plan on a reduced basis will be charged against the benefit limits of this plan.

Accidental Death & Dismemberment Provisions
$15,000 Principal Sum
If Injury to the covered person  results, within 365 days of the date of a covered accident, in any one of the losses shown below, the Company will pay the Benefit Amount shown below for that loss.   If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same accident.

Covered Loss                                                       Benefit Amount
 
Life                                                                  100% of the Principal Sum
Quadriplegia                                                     100% of the Principal Sum
Two or more Members                                       100% of the Principal Sum
One Member                                                     50% of the Principal Sum
Hemiplegia                                                        50% of the Principal Sum
Paraplegia                                                         50% of the Principal Sum
Uniplegia                                                           25% of the Principal Sum
Thumb and Index Finger of the Same Hand          25% of the Principal Sum

“Quadriplegia” means total Paralysis of both upper and lower limbs.  “Hemiplegia” means total Paralysis of the upper and lower limbs on one side of the body.  “Uniplegia” means total Paralysis of one lower limb or one upper limb.  “Paraplegia” means total Paralysis of both lower limbs or both upper limbs.  “Paralysis” means total loss of use.  A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted.

“Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing.  “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint.  “Loss of Sight” means the total, permanent Loss of Sight of one eye.  “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means.  “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means.  “Loss of a Thumb and Index Finger of the Same Hand” means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand).  “Severance” means the complete separation and dismemberment of the part from the body.

Home Country Benefit Option

Coverage under the Basic or High Option Plans is designed to provide benefits for Covered Sickness and Injuries while studying abroad.  There are times, however, upon returning home, that medical expenses may still be incurred for the recurrence and continuance of a Sickness or Injury which was covered while abroad.  Since coverage ceases upon return to your Home Country or the United States, this may result in your payment of costly medical expenses, unless you purchase the Home Country Benefit Optional Rider.

At the time of initial enrollment, you may select this coverage.  This will provide you and any covered dependent with the ability to continue coverage for only those Covered Sicknesses or Injuries which originated during the time you were abroad.  The Company will pay benefits while the covered person is in his or her Home Country or the United States, if he or she obtains treatment for: 1) an Injury or Sickness within 30 days of returning from a trip to his or her Home Country or the United States; and 2) for the recurrence or continuation of benefits for treatment that began during the course of a trip for which a benefit is otherwise payable under the Medical Expense Benefit. 

Benefits will be payable up to a maximum of $10,000, and subject to a separate $100 of covered Sickness or Injury deductible.  Expenses are covered according to usual and customary charges for the geographic area in which they are incurred.

 24-Hour Worldwide Assistance
Offered by Europ Assistance USA

Available around the world!
Every hour of the day!
Every day of the week!
• Access to assistance from the worlds’ largest global support network
• Thirty four 24-hour emergency
assistance centers
• Case coordination from the USA,
• Multilingual International Customer Service Agents

In addition to this health insurance program is the availability of the 24-hour assistance network for emergency assistance anywhere in the world. Simply call the assistance center toll free, direct or collect.  Upon enrollment in the Plan you will be provided with the telephone numbers to use.

The multilingual staff will answer your call and provide reliable, professional and thorough assistance.

The following services are included in the program:
1. Referral to the nearest, most appropriate medical facility and/or provider.
2. Medical monitoring by board certified emergency doctors in the United States.
3. Urgent message relay between family, friends, personal physician, school, and insured.
4. Guarantee of payment to provider and assistance in coordinating insurance benefits.
5. Arranging and coordinating Emergency Medical Evacuations, Emergency Reunions and
Repatriations of Remains.
6. Emergency travel arrangements for disrupted travel as the consequence of a medical emergency.
7. Referral to legal assistance.
8. Assistance in locating lost or stolen items, including lost ticket application processing.
These services are included in the benefits provided in this program and are provided by the Assistance Company.