Plan Administrator: Global Underwriters | Allied World Assurance Company (Europe) DAC; rated "A" (Excellent) by A.M. BEST
Benefit | Limit |
Policy Maximum: | $500,000, $1,000,000 |
Deductible: | $0, $100, $250, $500, $1000, $2500, $5000 |
Accidental Death and Dismemberment (AD&D) |
If within 365 days after the date of a covered accident, the Insured Person’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of: Description of Loss: Indemnity Life: Principal Sum Both Hands or Both Feet or Sight of Both Eyes or One Hand and One Foot or Either Hand or Foot and Sight of One Eye: Principal Sum Speech and Hearing in both Ears: Principal Sum Speech or Hearing in both Ears: One-half the Principal Sum Either Hand or Foot or Sight of One Eye: One-Half the Principal Sum Thumb and index finger of same hand: One-Quarter of the Principal Sum *The amount of the Principal Sum is $25,000 unless the Enhanced AD&D Benefit is purchased. 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 plan, that such Person shall have suffered loss of life within the meaning of the plan. |
Enhanced AD&D Benefit (If Benefit Purchased) |
The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage. The Enhanced AD&D Benefit is not available to children under 18 years of age. Beneficiary Designation and Change - The beneficiary or beneficiaries of an Insured Person shall be that person or those persons designated by the Insured Person and filed with the Plan Administrator. Any Insured Person who has not made an irrevocable designation of beneficiary may designate a new beneficiary at any time, without the consent of the beneficiary, by filing with the Plan Administrator a written request for such change but such change shall become effective only upon receipt of such request by Plan Administrator. When such request is received by the Plan Administrator, whether the Insured Person be then living or not, the change of beneficiary shall relate back to and take effect as of the date of execution of the written request, but without prejudice to the Company on account of any payment theretofore made by it. |
Paralysis Benefit |
If a Covered Accident renders an Insured Person Paralyzed within 365 days of the date of the Covered Accident that caused the Injury, in any one of the types of paralysis specified below, The Company will pay up to a maximum of $25,000 as follows: Type of Paralysis (Loss) Indemnity Quadriplegia ..............................................................$25,000 Paraplegia...................................................................$18,750 Hemiplegia .................................................................$12,500 Uniplegia .....................................................................$6,250 Quadriplegia means the complete and irreversible paralysis of both upper and both lower limbs. Paraplegia means the complete and irreversible paralysis of both lower limbs. Hemiplegia means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body. Uniplegia means the complete and irreversible paralysis of one limb (Limb means entire arm or entire leg). If the Insured suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid. |
Coma Benefit |
If a covered Injury renders an Insured Person Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit of $250. No benefit is provided for the first 30 days of the Coma. The benefit is payable monthly as long as the Insured remains Comatose due to that Injury, but ceases on the earliest of
The Company will pay benefits calculated at a rate of 1/30th of the monthly benefit for each day for which The Company is liable when the Insured is Comatose for less than a full month. Only one benefit is provided for any one month of Coma, regardless of the number of Injuries causing the Coma. The Company reserves the right, at the end of the first 30 consecutive days of Coma and as often as it may reasonably require thereafter, to determine on the basis of all the facts and circumstances, that the Insured is Comatose, including but not limited to, requiring an independent medical examination provided at the Expense of The Company. |
Seat Belt and Airbag Benefit |
The Company will pay a $25,000 benefit when the Insured Person suffers accidental death such that an Accidental Death benefit is payable under the plan and the accident causing death occurs while the Insured Person is operating, or riding as a passenger in an Automobile if:
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Felonious Assault Benefit |
The Company will pay a $25,000 benefit when an Insured Person suffers one or more losses for which benefits are payable under the Accidental Death & Dismemberment Benefit or Coma Benefit provided by the plan as a result of a Felonious Assault:
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Home Alteration and Vehicle Modification |
If an Insured Person:
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Covered Home Alteration and Vehicle Modification Expenses |
As used in this Rider, means one-time Expenses that:
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Emergency Dental Treatment (Palliative) | Benefits are paid for Reasonable and Customary Expense up to $100 for the emergency Treatment for the relief of pain to natural teeth. |
Emergency Medical Evacuation and Repatriation |
Benefits are paid for Covered Expense incurred up to $500,000, for any covered Injury or Illness commencing during the Period of Coverage that result in a Medically Necessary Emergency Medical Evacuation or Repatriation. The decision for an Emergency Medical Evacuation or Repatriation must be pre-approved and arranged by the Assistance Company in consultation with Your local attending Physician. Emergency Medical Evacuation or Repatriation means:
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Return of Mortal Remains | If You should die Benefits will be paid for Reasonable and Customary Covered Expense incurred up to $50,000, to return Your remains to Your Home Country. Covered Expenses include, but are not limited to, Expense for embalming or Cremation, a minimally necessary container appropriate for transportation, shipping Expenses, and the necessary government authorizations. All Covered Expense in connection with a Return of Mortal Remains or Cremation must be preapproved and arranged by the Assistance Company. |
Emergency Medical Reunion | When the Assistance Company and Your attending Physician determine that it is necessary and prudent for You to have an Emergency Medical Evacuation or Repatriation, this Plan will arrange to bring an individual of Your choice, from Your current Home Country, to be at Your side while You are hospitalized and then accompany You during Your return to Your current Home Country. Benefits will be paid up to $50,000 for a round trip economy air fare ticket as well as for reasonable travel and accommodation Expense up to a maximum of 10 days, as pre-approved and arranged by the Assistance Company. |
Return of Minor Child(ren) | Should the Insured Person be traveling alone with a Minor Child(ren) and be hospitalized because of a covered Illness or Injury and Your Minor Child(ren) is left unattended, the Assistance Company will arrange for a one way economy fare(s) to Your current Home Country. If an attendant/escort is necessary to ensure the safety and welfare of Your Minor Child(ren), the Assistance Company will also arrange these services. The Plan will pay for these services up to a maximum of $50,000 provided all transportation and services are pre-approved and arranged by the Assistance Company. Meals and lodging are Your responsibility. |
Interruption of Trip |
If Your trip is interrupted due to one of the following reasons:
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Loss of Baggage |
This plan will reimburse You for loss, theft, or damage to Your baggage or personal effects, checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. This plan is secondary to any coverage provided by a Common Carrier and all other valid and collective insurance. This plan will pay the lesser of:
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Political and Natural Disaster Evacuation |
Coverage is provided up to $50,000 ($100,000 if the Enhanced Political and Natural Disaster Evacuation Benefit is purchased) if the Insured requires emergency evacuation due to the following reasons, which places him/her in Imminent Bodily Harm as determined by the Assistance Company security personnel, in accordance with local and U.S. authorities or due to a Natural Disaster, which makes his/her location Uninhabitable, or, your location in the Host Country is deemed Uninhabitable by the Assistance Company security personnel, the Assistance Company security shall arrange, B17 and the plan will pay for Insured’s transportation to the nearest safe location:
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Enhanced Political and Natural Disaster Evacuation Benefit (If Benefit Purchased) |
The Enhanced Political and Natural Disaster Evacuation Benefit Rider increases the Political and Natural Disaster Evacuation maximum benefit from $50,000 to $100,000. This Benefit is not available if the optional War Risk Rider is purchased. |
Home Country Coverage (If Benefit Purchased) |
The Home Country Coverage Rider provides limited coverage under Your Medical Expense Benefit while in Your Home Country. The plan pays 80% up to $5,000 of Covered Expenses, then 100% to a maximum of 1) $50,000 for Incidental Trip(s) to your Home Country or 2) $10,000 for Extension of Benefits (Follow Me Home Coverage).
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War Risk Rider (If Benefit is Purchased) |
It is agreed that the policy is amended as follows: any Exclusion under this Plan for “declared or undeclared war or any act thereof” is waived for an Insured Person’s loss caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act thereof. Subject to the following restriction: The waiver only applies with respect to accidents that occur within the geographic limits or territorial waters of, or airspace above the geographic limits or territorial waters of a Designated War Risk Territory (as defined herein). War Risk Coverage in a high risk country listed in the Definition of “Designated War Risk Territory(ies)” requires payment of an additional premium and advance notice of travel. Termination Date: War Risk Coverage ends on the earliest of:
Termination of War Risk Coverage will not affect a claim for a covered loss that occurred while War Risk Coverage was in effect. Changes in Terms and Conditions: The terms and conditions of War Risk Coverage, including but not limited to the definition of the Designated War Risk Territory(ies), may be changed at any time to reflect conditions that, in the opinion of the Company, constitute a change in the war risk exposure of the Participating Organization or the Insured Person. Coverage is Not available inside the United States or inside the Insured Person’s Home Country. |
Athletic Sports & Hazardous Activity Rider (If Benefit is Purchased) |
The Athletic Sports & Hazardous Activity Rider provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities:
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MEDICAL EXPENSES
Medical Expenses incurred Outside the US
We will pay Reasonable and Customary charges for Covered Expenses (as listed below), in excess of the chosen Deductible up to the selected Medical Maximum ($500,000 or $1,000,000 for ages 14 days to 69; $100,000 for ages 70 to 79; or $20,000 for ages 80+) incurred by You due to an accidental Injury or Illness which occurred during the Period of Coverage outside Your Home Country (except as provided under the Home Country Coverage). All bodily disorders existing simultaneously which are due to the same or related causes will be considered one Disablement. If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement will be considered a continuation of the prior Disablement and not a separate Disablement. The initial Treatment of an Injury or Illness must occur within 30 days of the date of Injury or onset of Illness. For a covered disablement, after you pay the per person Deductible, the plan pays 100% of eligible costs up to the Medical Maximum.
PLAN DEFINITIONS
Automobile means a self-propelled private passenger motor vehicle with four or more wheels which is designed and required to be licensed for use on the highways of any state or country. Automobile includes but is not limited to a sedan, station wagon, or jeep type vehicle and a motor vehicle of the pickup, panel, van camper or motor home type. Automobile does not include a mobile home or any motor vehicle used in mass or public transit.
Deductible means the amount of Covered Expenses which is Your responsibility to pay before benefits under the Plan are payable.