Coverage: International AD&D and Medical

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International Advantage®

Coverage: International AD&D and Medical - Employee

Two of many coverages offered in the ACE USA International Advantage® Package policy

When employees travel overseas on business, they’re exposed to gaps in healthcare coverage that can be costly to them and their employers. Many organizations avoid such problems with the purchase of international medical and AD&D coverage – resulting in true 24-hour protection for employee business travelers and their dependents.

Latest Enhancement: Advantage Package now includes $25,000 of automatic AD&D coverage at no additional charge, Other AD&D limits & Medical or Family coverage are available as options.

Why Needed
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Why Needed

Employers must protect employees traveling or stationed overseas against financial loss from injury and illness occupational or otherwise.
Domestic and foreign voluntary workers’ compensation plans often leave employees with less that adequate coverage.

Accidental death & dismemberment
Medical expense

AD&D for employee – $100,000 or $250,000 are available
AD&D for spouse – $50,000; for child – $25,000
Medical expense for employee, spouse or child – $10,000 or $25,000 are available

Medical and AD&D are optional coverages available as part of the ACE USA International Advantage® Package policy; both work in conjunction with domestic and foreign voluntary workers’ compensation.
Both products extend coverage to personal side trips (up to two weeks) in conjunction with business travel.
Medical expense provides first dollar coverage for spouse and children traveling with employee.
AD&D provides 24 hour door-to-door coverage from time employee and covered family members leave home until they return.

Benefits Schedules

Medical	AD&D
Pays 100% of “reasonable and customary” in-hospital and outpatient charges ($50 deductible per occurrence) Provides up to $500 coverage per calendar year for pre-existing conditions Includes $1,000 coverage per occurrence for dental expenses resulting from an accident or injury Pays $250 per occurrence for local ambulance service	Pays 100% of principal sum for loss of life Pays 100% of principal sum for loss of combination of any two eye(s), hand(s) or foot/feet Pays 50% of principal sum for loss of one eye, hand or foot Pays 100% of principal sum for loss of speech and hearing Pays 50% of principal sum for loss of speech or hearing