Basic Plan

Medical expenses

If, as the result of a covered Injury or Sickness which occurs while insured under this plan, you require treatment by a Physician or surgeon, confinement in an infirmary or Hospital, services of a registered nurse, X-rays, ambulance service or any covered services, supplies or medicines prescribed by a Physician, the plan will pay usual, customary and reasonable expenses in excess of a deductible of $100 per incident incurred within 52 weeks of date of Accident or commencement of Sickness up to a maximum of $50,000 for each Accident or each Sickness. You must remain continuously insured for the duration of the treatment.

Hospital room and board maximum is the average semi-private rate.

Chiropractic and therapeutic services shall be limited to a total of $50 per visit, with a maximum 10 visits per Injury or illness. The overall maximum coverage per Injury or illness for chiropractic care is $500, which includes X-ray and evaluation charges.

Benefits for nervous or mental disorders shall be limited to (a) up to $500 for outpatient treatment or (b) up to $2,500 on an inpatient basis.

Accidental death and dismemberment

If injuries result in death or dismemberment within one year after the date of Accident, the plan provides these benefits for loss of:

*Member means hand, foot or eye

Only one benefit, the largest to which you are entitled, is payable for losses from the same Accident. Please note: The death benefit will be paid to your estate unless you provide the name and relationship of your beneficiary at time of enrollment.

Travel Assistance Service

A 24-hour travel assistance service is at your disposal staffed by multilingual coordinators trained to assist you should an emergency arise while you are overseas.

Direct hospital payments

Many Hospitals require Americans to make large deposits before receiving any medical care and require full cash settlement at time of discharge. The travel assistance service will provide guarantees to Hospitals enabling immediate admission to Hospital care, if necessary.

Overseas medical assistance

Should you require emergency local care, the coordinator will refer you to an appropriate Physician or medical facility.

Medical consulting and monitoring

If you are hospitalized, the coordinator will monitor your stay to ensure appropriate care. Contact is maintained with the patient and local Physician. If necessary, your family or personal Physician will be advised.

Legal assistance

A coordinator can help you find a local legal advisor overseas. If posting bail or immediate payment of legal fees is required, arrangements for a monetary advance can be made through many major credit cards or from your family.

Emergency cash transfer

If your cash or checks are lost or stolen, or if cash is needed to cover an unexpected expense, the coordinator can help arrange for emergency funds to be made available through many major credit card accounts or from your family.

The following services are payable to a combined limit of $50,000:

Medical transportation

When medically necessary and coordinated by the travel assistance service, evacuation costs to the nearest appropriate medical facility will be paid.

Emergency medical evacuation

The Assistance Provider will pay for covered expenses incurred if an accidental Injury or Sickness commencing during the course of the plan coverage period results in your necessary emergency evacuation. An emergency evacuation must be ordered by a Physician who certifies that the severity of your accidental Injury or Sickness warrants the emergency evacuation.

Repatriation

The Assistance Provider will pay the reasonable covered expenses incurred to return your body to the U.S. if you die during the plan coverage period. Covered expenses include, but are not limited to, expenses for embalming, cremation, minimally necessary casket for transport and transportation.

Optional Extra Protection Plan

In addition to the basic plan, you may purchase an insurance upgrade prior to your departure. The cost of the Extra Protection Plan is $100 per semester. A semester is any period from one to six months. The Extra Protection Plan contains these additional benefits:

Medical expenses

Your maximum medical benefit will be increased to $100,000 (from $50,000) for usual, customary and reasonable medical expenses. The per incident deductible will be reduced from $100 to $0.

Baggage and personal effects

Extra protection covers loss or theft of baggage or personal effects up to $1,000. A $50 deductible per claim will apply. The limit per item is $100, except cameras, $250.

Emergency family reunion

If you are hospitalized for at least seven consecutive days due to a covered Injury or Sickness, the Company will pay up to $1,500 for round trip air fare to the host country on a regularly scheduled commercial flight (tourist class) for a parent or legal guardian and hotel and meals up to $100 per day. Any expense in respect to an emergency family reunion requires prior approval of the Company.

Tuition refund

The Company will pay 50% of any unreimbursed tuition expense up to $1,000 if you suffer a covered Injury or Sickness which prevents you from taking final examinations or make-up examinations. The condition must last at least four consecutive weeks and be certified by a Physician.