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Coverage: International AD&D and Medical - Students and Chaperones
When American students and chaperones leave U.S. shores to tour foreign destinations, they’re exposed to gaps in healthcare coverage that can be costly to them and their sponsoring educational institutions. Many colleges and universities avoid such problems with the purchase of international medical and AD&D coverage for students and chaperones – resulting in true 24-hour protection for overseas travelers.
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Coverages
Limits
Features
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Why Needed
- Colleges and universities must protect students and chaperones traveling overseas against financial loss from injury and illness.
- Domestic and foreign voluntary workers’ compensation plans often leave touring individuals with less than adequate coverage.
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Coverages
- Accidental death & dismemberment
- Accident and sickness medical expense*
- Medical evacuation/repatriation, including Executive Assistance® services
* Coverage is on a secondary basis. For primary accident & health coverage, please contact your International Advantage representative.
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Limits
- AD&D – $10,000, $25,000 or $50,000 are available
- Medical expense – $10,000 or $25,000 are available
- Medical evacuation/repatriation – $500,000 per covered person, subject to $1 million policy limit for Medical Assistance services.
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Features
- Medical and AD&D are optional coverages available as part of ACE USA International Advantage® Package policy; both work in conjunction with domestic and foreign voluntary workers’ compensation.
- Coverage extends to personal side trips (up to two weeks) in conjunction with college/university-sponsored tours.
- Provides 24-hour door-to-door coverage from time students/chaperones leave home until they return.
- AD&D compensates for injuries resulting in death or loss of eye(s) and/or limb(s), speech and/or hearing up to 12 months after accident.
- Executive Assistance® provides students and chaperones overseas with place to turn in emergency situations. (See Executive Assistance® Services for Educational Institutions for more information.)
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Benefits Schedules
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Medical Expense |
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
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- 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
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Executive Assistance®
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