2013-214 Insurance Plan Summary - The Intern Group Intern... · Pembroke Pines, FL. 33028 U.S. Fax: +1 (305) 749-0475 ... contact the appropriate Customer Service number listed on

A Travel Insurance Plan Customized For You

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2013-214 Insurance Plan Summary

The following is a plan summary. Please refer to the full policy for additional

details. You may also contact your plan administrator for further information.

The Intern Group Insurance Plan

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Dear Intern, Welcome! We hope you are as excited as we are for your new adventure. This pamphlet is to introduce you to your travel insurance policy. The health plan you are receiving is underwritten by Inter Hannover, one of the largest and most reputable health insurers in the world. Through this plan, you will be able to access the services of physicians, hospitals, and other health care providers that will provide treatment in the rare occurrence that you need medical care. Please note that this plan does have some exclusions and does not provide coverage for all types of services (for example: wellness visits, immunizations, dental work, and eye care). It is important for you to note that your plan does not operate automatically. The fact that you have coverage doesn’t mean that all medical bills (for example) will be taken care of by the insurance company automatically. Nothing can happen until you trigger the process by making a valid claim to the insurance company following the directions in this pamphlet. You should keep this pamphlet in a safe place in case you need to review it at a later time. This brochure can answer many of your questions so it is important that you read it to best understand your coverage. You can also visit the insurance services website to find more plan information as well as additional materials for your reference. This website is located at: www.compassbenefits.com/theinterngroup. We hope that you have a successful and healthy exchange experience! Sincerely, Compass Benefits Group International Insurance Broker

The Intern Group is a proud member of the International Association for Student Insurance Services (IASIS) which serves to promote healthy exchange experiences supported by stable insurance arrangements. Your insurance plan provided by The Intern Group is an IASIS approved plan utilizing the services of a vetted, experienced insurance provider.

http://www.compassbenefits.com/theinterngroup


www.compassbenefits.com/theinterngroup Your one-stop website

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TABLE OF CONTENTS Contact Information Frequently Asked Questions Benefit Highlights Coverage Summary

Contact Information Contact Information – Emergency Assistance Services For Worldwide Emergency Assistance Services: To obtain assistance, please contact AMERICAN ASSIST at one of the following numbers: USA 1.877.822.7386 Germany: 0.800.1859976 - Argentina: 0.800.666.2984 - Brazil: 0.800.891.4530 - Canada: 1.877.889.0149 - Costa Rica: 0.800.013.1097 - China (South): 10.800.1301130 - China (North):10.800.7131166 - Colombia 57 1 257 1922, Spain (Madrid): 911.815905 - Spain (other cities): 900.804116 - France: 0800.905030 - Italy: 800.839070 - México: 001.866.2611935 - Dominican Republic: 1.888.7518475 - England: 0808.2341766 - Venezuela: 0.800.1009032. For the rest of the world: 1 954 472 1895 collect call Assistance can also be requested by sending an email to: [email protected] with details of the emergency and telephone numbers where the insured can be reached.


mailto:[email protected]


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In the event of a Security Emergency: Crises Management Centre, NORTHCOTT GLOBAL SOLUTIONS Ltd 22 Bevis Marks, London EC3A 7JB United Kingdom Telephone: +44 (0) 207 183 8910

Contact Information – Non-Emergency Medical Claims For Non-Emergency Medical Claims All non-emergency claims should be notified to AMERICAN ASSIST at the contact numbers or email listed above. Please provide full supporting documentation to avoid delays in processing your claim. Claim forms can be returned American Assist Claims 2250 NW 136 Ave. Suite 100 Pembroke Pines, FL. 33028 U.S. Fax: +1 (305) 749-0475 Email: [email protected] Claims forms may be found by visiting: www.compassbenefits.com/theinterngroup

Frequently Asked Questions Who is Inter Hannover?

Inter Hannover is one of the leading insurers in the marketplace. Wholly owned by Hannover Re, they specialize in chosen markets such as student, youth exchange, and travel. What is the Health Insurance Plan all about?

The Inter Hannover plan helps keep health care cost-effective. It also gives you the freedom to choose any doctor or other health care provider when you need it – and still receive benefits under the Plan.

What do I do if I'm sick or injured? Ask for a referral to a physician or medical facility, or call American Assist for assistance locating a provider. If your medical condition is an emergency, visit the nearest appropriate medical facility.

Do I have to go to a certain doctor? You may contact American Assist with any questions about locating a doctor or provider although you are free to visit licensed medical provider for a covered injury or illness.

mailto:[email protected]




What do I do if I require treatment and I haven't received my ID card? Even though you may not have your ID card, you can still seek treatment. Request that the provider contact the appropriate Customer Service number listed on this website and in this brochure for verification of coverage. Is pre-certification required for medical procedures? Pre-certification is not required for genera office visits to a medical doctor. Simply visit a doctor, pay the Required fee, and submit a claim for reimbursement. Pre-certification is required for the following:

Inpatient care

Any surgery or surgical procedure

Care in an extended care facility

Home nursing care

CAT scans and MRI

Is direct payment to a medical provider possible?

The typical procedure when visiting a doctor for an office visit is to simply visit the doctor, pay the required Fee, and then submit a claim for reimbursement. If you would like to request a direct payment option, you may contact American Assist to see if this can be arranged. Please understand that this cannot be arranged for all office visits. For pre-scheduled surgeries and procedures, direct payment will often be arranged during the pre-certification process.

Where can I get a Claim Form? A copy of the claim form is available on www.compassbenefits.com/theinterngroup or by calling the toll-free number listed on the website, on your plan brochure, the back of your ID Card, and on your plan claim form. What information do I need to provide when filing a claim? You must mail the following items to your Claim Administrator: 1. Completed Claim Form including insured's name, address, identification number and name of your affiliated organization 2. All itemized medical and hospital bills including procedure and/or diagnosis codes 3. Copies of receipts if the bill has been paid and you are to be reimbursed. Be sure to keep a copy of all documents for your records.

How can I check the status of a claim? Pending or processed claim information can be obtained by calling American Assist customer service at one of the telephone numbers listed above.

What is the Political & Natural Disaster Upgrade all about? You may purchase additional coverage for Political & Natural Disaster Evacuation which will provide $100,000 of coverage in the event that you need to be evacuated due to a threatening natural disaster or political emergency situation due to governmental or social upheaval. This coverage also includes Kidnap and Ransom consulting to assist with securing your release in the event of a kidnap/ransom scenario.




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Benefits Highlights

Section Benefit Type Limit - USD

1 Emergency Medical Assistance Unlimited

2 Emergency Medical, and Hospital Expenses 5,000,000

Dental Expenses 1,200

Funeral Expenses 20,000

3 Accidental Death 30,000

4 Additional Expenses 20,000

5 Permanent Disability 40,000

6 Luggage and Personal Effects 1,000

7 Personal Liability 1,000,000

8 Search and Rescue 25,000

9 Catastrophe covers 1,000

10 Legal Advice 25,000

11 Evacuation Expenses 25,000

Political and Natural Disaster Evacuation + Kidnap Consultancy Fees (PND+KCF) Upgrade $100,000 (This is offered as an optional upgrade)

Coverage Details

Section 1 – Emergency Medical Assistance We have appointed AATS to help you with any overseas medical emergency. You may contact them at any time 7 days a week. Your ‘Emergency Assistance’ card will be under the name AATS. 1.1 We will arrange for the following assistance services up to the amount shown in the Schedule of Benefits if you injure yourself or become sick whilst travelling: a] Access to a medical adviser for emergency medical treatment whilst on a journey. b] Any messages which need to be passed on to your family or employer in the case of an emergency. c] Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be taken back overseas with appropriate medical supervision. The most we will pay under this section for all claims combined made under items 1.1 a] to c] above is shown under the Table of Benefits for the plan you have selected. If you die as a result of an injury or a sickness during your journey, we will pay for the reasonable cost of either a funeral or cremation or for the cost of bringing your remains back to your home in your country of residence. The maximum amount we will pay is GBP20,000 for all claims combined. 1.2 We will not pay a] For any expenses for medical evacuation, funeral services or cremation or bringing your remains back to your country of residence unless it has been first approved by AATS. b] If you decline to promptly follow the medical advice of AATS we will not be responsible for subsequent medical, hospital or evacuation expenses. c] For medical evacuation or the transportation of your remains from your Home Country to an overseas country. YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS FOR OTHER REASONS WHY WE WILL NOT PAY.



Section 2 – Emergency Medical & Hospital Expenses 2.1 Up to the amount shown in the Schedule of Benefits, we will pay for Medical Expenses, Emergency Medical Evacuation Expenses or Repatriation Expenses necessarily and reasonably incurred by You if during a Trip You become ill or sustain Accidental Bodily Injury.

This includes:

a) All reasonable costs necessarily incurred outside Your Home Country for Hospital, nursing home, ambulance, surgical or other diagnostic or remedial treatment given or prescribed by a Medical Practitioner and emergency dental treatment for the relief of pain.

b) All reasonable costs necessarily incurred in repatriating You to the most suitable Hospital or to Your home address in Your Home Country provided that such repatriation is Medically necessary; and Organised by the Emergency Medical Assistance Service.

c) Reasonable additional accommodation and travelling costs for one person required upon the evidence of a Medical Practitioner to stay with,, travel to or escort You to your home address in Your Home Country.

d) The reasonable cost of transporting Your body or ashes for burial in Your Home Country(excluding funeral and interment costs) or alternatively up to the amount stated in the Schedule for funeral expenses incurred in Your burial or cremation outside Your Home Country .

e) The reasonable and necessary costs of dental up to a maximum of GBP 1,200 per Trip for the immediate relief of pain and suffering.

2.2 WE WILL NOT PAY We will not pay for :

1. The Excess, as shown in the Schedule. 2. Any expenses incurred where a Trip is booked or undertaken against the advice of Your Medical Practitioner

or where the purpose of the Trip is to receive medical treatment or advice or where a terminal prognosis has been given.

3. Any expenses incurred after the Termination Date of this Insurance. 4. Any expenses incurred inside Your Home Country 5. Any expenses incurred outside the country You are working in without the prior approval of Our Emergency

Medical Assistance Service. 6. Dental treatment other than for the necessary relieve of pain and discomfort. 7. For any treatment or medication that, at the commencement date of the Trip, is known to be required or

continued during the Trip. 8. For any Emergency Medical Evacuation or Repatriation costs or In-patient treatment not authorised by the

Emergency Medical Assistance Service. 9. The additional cost of a single or private room at a Hospital, clinic or nursing home except when the treating

Medical Practitioner considers it necessary. 10. Medical Expenses incurred in a Private Hospital without the prior approval of Our Emergency Medical

Assistance Service. 11. Any expenses incurred for physiotherapy, chiropractic or osteopathy or alternative or complementary

medicine. 12. Any treatment that in the opinion of the treatment Medical Practitioner and Our Emergency Medical

Assistance Service can be delayed until Your return to Your Home Country. 13. Any expenses recoverable from any other insurance policy, national insurance programme, reciprocal health

arrangement or Workmen’s Compensation Scheme 14. Medical expense including medical examination and treatment during pregnancy if pregnancy did not exist

prior to or after the conclusion of the Period of Insurance . YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS FOR OTHER REASONS WHY WE WILL NOT PAY.



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Section 3 – Accidental Death SECTION 3: ACCIDENTAL DEATH 3.1 Up to the amount shown in the Schedule of Benefits:

We will pay the death benefit, to the estate of the deceased, if: You are injured during your journey and you die because of that injury within 12 months of the injury. 3.2 WE WILL NOT PAY

We will not pay for death caused by suicide or for any other reason other than caused by accidental bodily injury as defined. YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS FOR OTHER REASONS WHY WE WILL NOT PAY.

Section 4 – Additional Expenses 4.1 Up to the amount shown in the Schedule of Benefits, we will pay: a] If you shorten your trip and return to your home country on the advice of a medical adviser approved by us, we will reimburse the reasonable cost of your return to your home country .We will only pay the cost of an economy fare class, b] If you return to your home country because, during your trip, a close relative of yours dies unexpectedly or is hospitalised following a serious injury or a sickness, we will reimburse you up to GBP 1,500 towards return airfares if you are able to resume your journey, but only if more than 14 days remain of the period of your journey on your Certificate of Insurance. We will reimburse your reasonable additional travel and accommodation expenses if a disruption to your journey arises from the following reasons. c] You unknowingly break any quarantine rule. d] You lose your passport, travel documents or credit cards or they are stolen. e] An accident involving your mode of transport. You must have written confirmation of the accident from an official body in the country where the accident happened. f] The place you live at in your home country is rendered uninhabitable by fire, explosion, earthquake or flood. 4.2 WE WILL NOT PAY

a] We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled or disrupted or delayed. b] We will not pay if the death, injury or sickness of a relative is a result of a Pre-existing Medical Condition. c] We will not pay if you can claim your additional travel and accommodation expenses from anyone else. d] We will not pay if your claim relates to the financial collapse of any transport, tour or accommodation provider. e] We will not pay for delays or rescheduling by a bus line, airline, shipping line or rail authority. f] We will not pay if you operate a rental vehicle in violation of the rental agreement. g] We will not pay as a result of you or your travelling companion changing plans. YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS FOR OTHER REASONS WHY WE WILL NOT PAY.

Section 5 – Permanent Disability 5.1 Up to the amount shown in the Schedule of Benefits, we will pay if : • you are injured during your journey; and • because of the injury, become permanently disabled within 12 months of the injury. Permanently disabled means: a] you have totally lost any of the following: – all of the sight in one or both eyes; – the use of a hand or foot at or above the wrist or ankle; and



b] the loss is for at least 12 months and, in our opinion after consultation with an appropriate medical specialist, will continue indefinitely. 5.2 WE WILL NOT PAY YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS FOR OTHER REASONS WHY WE WILL NOT PAY.

Section 6 – Luggage & Personal Effects 6.1 WE WILL PAY Up to the amounts shown in the Schedule of Benefits in total towards the cost of Your Personal Belongings or baggage that are lost, accidentally damaged or stolen during Your Trip less a consideration for wear, tear and depreciation. This includes:

Up to GBP 250 for any one item, set or pair; Up to GBP 350 total towards the cost of Your Valuables; Loss of medication and other equipment considered necessary by a Medical Practitioner for a

medical condition that has been accepted in writing by Us as being covered under this Policy. Provided:

1. You report the theft of Your Personal Belongings or baggage to the Police (and the hotel management if it is stolen in a hotel) within 24 hours of its Loss or theft and an original written report is obtained from them and provided to Us.

2. You provide proof of ownership of Valuables. 3. You provide proof of purchase of replacement items of clothing or toiletries. 4. Loss or damage occurring in the custody of an airline or other transport carrier is reported immediately upon

discovery and in the case of an airline a Property Irregularity Report obtained. 5. You take all reasonable precautions for the safety of any insured article. 6. On the happening of any loss or damage We are entitled to take and keep possession of any article and to

deal with salvage in a reasonable manner. 7. At Our own opinion to repair or replace any article for which We are liable. 8. Under Valuables there is no coverage for loss or damage to mobile phones or other similar devices arising

from any coverage under the manufacturer’s warranty, unexplained disappearance, and any loss of airtime, moisture damage, superficial damage due to chipping or cracking screen and damage due to any theft not reported to the police within 24 hours.

6.2 WE WILL NOT PAY

1. The Excess, as shown in the Schedule. 2. Personal Belongings or Valuables left unattended by You unless located in Your locked accommodation if a suitable sized safe or safe deposit box was not available and there is evidence that entry was into the accommodation was effected by violent and forcible means. 3. For any Personal Belongings or baggage stolen from an Unattended vehicle unless 3.1. They were In the locked boot of the vehicle or concealed by a parcel shelf in the fixed position in a hatchback or estate vehicle or in the case of campervans and motor homes locked away and out of public view. 3..2. There is evidence that entry was effected by violent and forcible means. 3.3 Other than between the hours of 8.00pm and 8.00am. 4. For any Valuables stolen from an Unattended vehicle or as checked in luggage or in a luggage compartment/rack not immediately adjacent to You on any form of Public Transport. 5. Personal Belongings left in the custody of a person who does not have official responsibility for the safekeeping of property.



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6. For loss of or damage to Valuables contained in baggage whilst such baggage is in the custody of an airline or other carrier and outside Your control. 7. For loss or corruption of or damage to software, information or data contained in any computer, tapes or recording equipment or any consequential loss arising there from. 8. For loss or damage due to: 8.1 Moth, vermin, wear and tear, atmospheric or climatic conditions or gradual deterioration. 8.2 Inherent mechanical or electrical failure, breakdown or derangement. 8.3 Any process of cleaning, restoring, repairing or alteration. 9. For more than a reasonable proportion of the total value of a pair or set where the lost or damaged article is part of a pair or set. 10. For loss of or damage to pedal or motor cycles, watercraft, prams, buggies, pushchairs and wheelchairs. 11. For loss, theft or damage to china, glass, pictures, musical instruments, antiques or precious stones 12. For loss of or damage to stamps, documents, deeds, manuscripts or securities of any kind contact or corneal lenses, dentures, hearing-aids, false body parts, fragile articles , business goods and samples or tools of trade. 13.For loss due to confiscation or detention by customs or any other authority. 14.For loss of or damage to sports equipment whilst in use. 15.For any article more specifically insured or recoverable under any other insurance. 16.For Personal Belonging or Valuables more specifically insured or recoverable from any other source. Any reimbursement received shall be deducted from Your claim. YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS FOR OTHER REASONS WHY WE WILL NOT PAY.

Section 7 – Personal Liability 7.1 We will pay up to the amount shown in the Schedule of Benefits

We will cover your legal liability for payment of compensation in respect of: • death, bodily injury or illness; and/or • physical loss of damage to property, occurring during your trip, which is caused by an accident or a series of accidents attributable to one source or originating cause; and/or • damage caused to property belonging to your employer. We will also reimburse your reasonable legal costs and legal expenses for settling or defending the claim made against you. We decide whether the costs were reasonable. 7.2 WE WILL NOT PAY

We will not reimburse you for anything you have to pay because of a legal claim against you for causing injury, death or damage to property, if the claim arises out of or is for: a] Bodily injury to you, your travelling companion, or to a relative or employee of either of you; b] Damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, a relative of yours, or your travelling companion, or to an employee of either of you; c] Damage to your employer’s property caused intentionally or deliberately by you; d] Something arising out of the ownership, custody or use of any aerial device, watercraft or mechanically propelled vehicle; e] Any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under workers’ compensation legislation, an industrial award or agreement, or accident compensation legislation; f] Any fine, penalty or aggravated, punitive or exemplary or liquidated damages; g] Disease that is transmitted by you; h] Any relief or recovery other than monetary amounts; i] Liability arising from a contract that imposes on you a liability which you would not otherwise have; j] Anything that is covered under any other policy. We will be liable only for the amount your liability exceeds the limits of cover under any other policy; k] Assault and/or battery committed by you or at your direction; or



l] Conduct intended to cause personal injury, property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge, consent or connivance. YOU MUST CHECK GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS FOR OTHER REASONS WHY WE WILL NOT PAY.

Section 8 – Search & Rescue 8.1 We will pay: Up to the amount shown in the Schedule of Benefits for all reasonable and necessary costs incurred by the authorities in searching for You and bringing You to a place of safety, if during the course of an Insured Journey whilst outside your Home Country if you are either (1) reported missing and it is known or reported that you may have sustained Accidental Bodily Injury or suffered illness, or (2) the weather conditions are such that to in order to prevent Accidental Bodily Injury or the suffering of illness the police or rescue authorities instigate a search and rescue for you.

Provided:

1. You must comply at all times with local safety advice and must comply with all recommendations and

restrictions prevalent at the time.

2. Expenses are only payable for your chargeable proportion of any search and rescue operation.

3. Our Emergency Medical Assistance Service must be informed immediately of any emergency that potentially might give rise to a claim.

4. Expenses will only be covered up to the point where you are recovered by search and rescue team or up to the time the authorities advise that continuing the search is no longer viable.

5. In the event of a claim a written report must be obtained from the search and rescue authority and provided to Us before a claim can be paid.

8.2 We will not pay:

1. If you knowingly endanger either your own life or of any other person’s.

2. if you engage in activities where your experience or skill levels falls below those reasonable required to participate in such activities.

3. If you disregard or do not comply with any local safety advice, warnings, restrictions or rescue or police authority warnings in force during or at the time of undertaking such activities.

Section 9 - Catastrophe 9.1 We will pay: Up to the amount stated in the Schedule should you be forced to move from their pre-booked accommodation as a result of fire, lightning, explosion, earthquake, avalanche, storm, tempest, tsunami, hurricane, flood, medical epidemic or local government directive which is confirmed in writing by local or national authority for irrecoverable travel or accommodation costs necessarily incurred for you to continue with the Journey or, if the Journey cannot be continued, for their return to your Home Country 9.2 We will not pay: 1. For any costs incurred following your decision not to remain in their booked accommodation when official

directives from local or national authorities state that it is acceptable to do so. 2. For any costs or expenses payable by or recoverable from the tour operator, airline, hotel or other provider of

services.



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Section 10 – Legal Advice 10.1 We will pay: Up to the amount shown in the Schedule of Benefits to cover Legal Expenses arising out of all claims or legal proceedings including any appeal against judgement consequent upon the same original cause, event or circumstance if during a Journey the Insured Person sustain Accidental Bodily Injury or illness which is caused by a third party. Provided:

1. They follow Our advice or that of Our representatives and agents, in handling any claim. 2. We have complete control over any Legal Representatives appointed and any proceedings. 3. Their claim is reported to Us within 180 days after the beginning of the incident which led to the claim. 10.1 We will not pay:

1. Any claim where it is Our opinion that the prospects for success in achieving a reasonable settlement are insufficient and/or where the laws, practices and/or financial regulations of the country in which the incident occurred would preclude the obtaining of a satisfactory settlement or the costs of doing so would be disproportionate to the value of the claim.

2. Legal Expenses incurred before receiving Our prior authorisation in writing unless such costs would have been incurred subsequent to Our authorisation.

3. Legal Expenses incurred in connection with any criminal or wilful act. 4. Legal Expenses incurred in the defence against any civil claim or legal proceedings made or brought against you

unless as a counter claim. 5. Fines, Penalties compensation or damages imposed by a court or other authority. 6. Legal Expenses incurred for any claim or legal proceedings brought against:

6.1 A tour operator, travel agent, carrier, insurer or their agents where the subject matter of the claim or legal proceedings is eligible for consideration under an Arbitration Scheme or Complaint Procedure.

6.2 Us or Our agents 7. Actions between you or your companions or pursued in order to obtain satisfaction of a judgement or legally

binding decision. 8. Legal Expenses incurred in pursuing any claim for compensation (either individually or as a member of a group or

class action) against the manufacturer, distributor or supplier of any drug, medication or medicine. 9. Legal Expenses chargeable by the Legal Representatives under contingency fee arrangements. 10. Legal Expenses incurred where the Insured Person has:

10.1 Failed to co-operate fully with and ensured that We are fully informed at all times in connection with any claim or legal proceedings for damages and or compensation from a third party.

10.2 Settled or withdrawn a claim in connection with any claim or legal proceedings for damages and or compensation from a third party without Our agreement. In such circumstances we shall be entitled to withdraw cover immediately and to recover any fees or expenses paid.

11. Legal Expenses incurred after the Insured has: 11.1 Not accepted an offer from a third party to settle a claim or legal proceedings where the offer is considered

reasonable by Us. 11.2 Not accepted an offer from Us to settle a claim.

12. Legal Expenses which We consider unreasonable or excessive or unreasonably incurred.

Section 11 – Political & Natural Disaster Evacuation 11.1 We will pay if during an Journey You incur Evacuation and Repatriation Costs and the additional Expenses incurred due to such Evacuation and Repatriation as a result of an Insured Event. The maximum amount We will pay under this Section is GBP 25,000 for Evacuation and Repatriation Costs.



Definitions The following definitions apply to this Section and shall keep the same meaning wherever they appear in the Section. Please also refer to the Policy definitions at the front of this Policy document.

Insured Event 1. The British Government through its Foreign and Commonwealth Office or equivalent issue a travel advice for

a particular country or region in which the Insured Person is travelling recommending that certain categories of person which includes the Insured Person should leave that country or region.

- or -

2. The Local Authorities in the country You are staying:

a) Declares a state of emergency necessitating immediate evacuation or

b) Formally recommends or instructs that the Insured Person should leave that country or region for safety or

c) Seize, confiscates or expropriates the Insured or Insured Person’s property or

d) Expels the Insured Person or declares the Insured Person “persona non grata”.

Evacuation and Repatriation The costs incurred by You for your emergency evacuation to the nearest place of safety or Your temporary Country of Residence following an Insured Event.

Expenses The cost of accommodation, transportation and food and any other reasonable and necessary expenses.

Host Country The Country in which the Insured Person is staying. Provided:

1. You are not travelling to a country of region contrary to the advice of The Foreign and Commonwealth office or equivalent.

2. The Crises Management Call Centre must be advised immediately of any situation that may give rise to a claim or as soon as reasonably possible thereafter. If the Crises Management Call Centre is not contacted immediately Our liability to pay any subsequent claim under this section will cease.

3. You must provide us and the Crises Management Company with all assistance and information requested in a timely manner.

4. You must follow the advice of The Crises Management Call Centre at all times.

5. If You are entitled to any refund on unused tickets or returnable deposits or advanced payments We will be entitled to deduct these from the value of any claim.

In the event of a situation or event that may give rise to a claim please immediately contact our Crises Management Call Centre on +44 (0) 207 183 8910

11.2 We will not pay

1. For any claims resulting from or attributable to an alleged violation of the laws of the Host Country by the Insured

Person.

2. For Your failure to maintain and possess duly authorised and issued required immigration, work, residence or similar visas or permits or other relevant documentation for the country where they are visiting on an Insured Journey.



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3. Accommodation or Evacuation Expenses incurred more than 30 days before or 10 days after the Insured Event.

4. For any claims resulting from or attributable in whole or in part to a debt insolvency, commercial failure, the repossession of any property by any title holder or lien holder, or any other financial cause.

5. If You fail to honour any contractual obligation bond or specific performance condition in a license.

6. The conditions leading to Your departure being in existence prior to the Insured Person entering the country or where such conditions were reasonably foreseeable prior to the Insured Person entering the country on an Journey.

7. You being in your own Home Country.

HOW TO MAKE A CLAIM You must give us notice of your claim as soon as possible by completing the claim form supplied by our Client Services department and posting to the address shown on the claim form. If the claim form is not fully completed by you, we cannot process your claim. If you do not, we can reduce your claim by the amount of prejudice we have suffered because of the delay. You must give us any information we reasonably ask for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of ownership. If required we may ask you to provide us with translations into English of such documents to enable us to carry out our assessment of your claim. You must co-operate with us at all times in relation to the provision of supporting evidence and such other information as we may reasonably require. a] For medical, hospital or dental claims, contact AATS as soon as practicable. b] For damage or permanent loss of your luggage and personal effects, report it immediately to the police and obtain a written notice of your report. c] For damage or misplacement of your luggage and personal effects, caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they may make. d] Submit full details of any claim in writing within 30 days of your return. YOU MUST NOT ADMIT FAULT OR LIABILITY

In relation to any claim under this policy you must not admit that you are at fault, and you must not offer or promise to pay any money, or become involved in litigation, without our approval. DEPRECIATION Depreciation will be applied to claims for lost luggage and personal effects at such rates as reasonably determined by us. YOU MUST HELP US TO RECOVER ANY MONEY WE HAVE PAID

If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us do that in legal proceedings. IF YOU CAN CLAIM FROM ANYONE ELSE, WE WILL ONLY MAKE UP THE DIFFERENCE If you can make a claim against someone other than under an insurance policy in relation to a loss or expense covered under this policy and they do not pay you the full amount of your claim, we will make up the difference. You must claim from them first. OTHER INSURANCE If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you are paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you are not paid the full amount of your claim, we will make up the difference. We may seek contribution from your other Insurer. You must give us any information we reasonably ask for to help us make a claim from your other Insurer. SUBROGATION We may, at our discretion undertake in your name and on your behalf, control and settlement of proceedings for our own benefit in your name to recover compensation or secure indemnity from any party in respect of anything covered by this policy. You are to assist and permit to be done, all acts and things as required by us for the purpose of recovering compensation or securing indemnity from other parties to which we may become entitled or subrogated, upon us paying your claim under this policy regardless of whether we have yet paid your claim and whether or not the amount we pay you is less than full compensation for your loss.



These rights exist regardless of whether your claim is paid under a non-indemnity or an indemnity clause of this policy. RECOVERY We will apply any money we recover from someone else under a right of subrogation in the following order: 1. Our administration and legal costs arising from the recovery. 2. Your uninsured loss (less your excess). 3. The amount we paid you for your claim. 4. Your excess.

Once we pay your total loss we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you. If we pay you for lost or damaged property and you later recover the property or it is replaced by a third party, you must pay us the amount of the claim we paid you.

General Exclusions (Applicable to all Sections) WE WILL NOT PAY UNDER ANY CIRCUMSTANCES IF: General 1 You do not act in a responsible way to protect yourself and your property and to avoid making a claim. 2 You do not do everything you can to reduce your loss as much as possible. 3 Your claim arises from consequential loss of any kind. 4 At the time of purchasing the policy, you were aware of something that would give rise to you making a claim under

this policy. 5 Your claim is for a loss which is recoverable by compensation under any workers compensation or transport

accident laws or by any government sponsored fund, plan, or medical benefit scheme, or any other similar type legislation required to be effected by or under a law. 6 Your claim is for additional expenses or fees arising from errors or omissions in your booking arrangements or your failure to obtain relevant visa or passport documents. 7 Your claim arises because you act illegally or break any government prohibition or regulation including visa requirements. 8 Your claim arises from a government authority confiscating, detaining or destroying anything. 9 Your claim arises from being in control of a motor cycle without a current motorcycle licence or you are a passenger

travelling on a motorcycle that is in the control of a person that does not hold a current motorcycle licence valid for the country you are travelling in. 10 Your claim arises because you did not follow advice in the mass media of any government or other official body’s warning: • against travel to a particular country or parts of a country; • of a strike, riot, bad weather, civil commotion or contagious disease; • of a likely or actual Epidemic or Pandemic (such as H5N1 Avian influenza); • of a threat of an Epidemic or Pandemic (such as H5N1 Avian influenza) that requires the closure of a country borders; • of an Epidemic or Pandemic that results in you being quarantined, and you did not take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel to the country or part of the country referred to in the warning. 11 Your claim arises from any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military. 12 Your claim arises from a nuclear reaction or contamination from nuclear weapons or radioactivity. 13 Your claim arises from biological and or chemical materials, substances, compounds or the like used directly or

indirectly for the purpose to harm or to destroy human life and or create public fear. Medical 14 Your claim arises from Pre-existing Medical Conditions. 15 Your claim is in respect of travel booked or undertaken against the advice of any medical adviser. 16 Your claim arises directly or indirectly from any terminal illness that was diagnosed prior to the policy being issued.



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17 Your claim arises out of pregnancy, childbirth or related complications or any medically assisted conception. 18 Your claim involved a hospital where you are being treated for addiction to drugs or alcohol, or are using it as a

nursing, convalescent or rehabilitation place. 19 Your claim involves the cost of medication in use at the time the journey began or the cost for maintaining a course

of treatment you were on prior to the journey. 20 Your claim arises from or is in any way related to depression, anxiety, stress, mental or nervous conditions. 21 Your claim arises from suicide or attempted suicide. 22 Your claim arises directly or indirectly from Human Immunodeficiency Virus (HIV) infection, Acquired Immune

Deficiency Syndrome (AIDS) or a sexually transmitted disease. 23 You were affected by alcohol or drugs, unless the drugs were prescribed by a medical adviser, at the time when

the thing about which you are making the claim happened. 24 Despite our advice otherwise, you received private hospital or medical treatment where public funded services or

care is available or under any Reciprocal Health Agreement in any other country. Sports and Leisure 25 Your claim arises because you hunt, race (other than on foot), engage in Open Water Sailing, play polo, go mountaineering or rock climbing using ropes or climbing equipment (other than for hiking) or from professional sport of any kind, or from parachuting or hang gliding. 26 Your claim arises because you dive underwater using an artificial breathing apparatus, unless you hold an open

water diving licence issued in United Kingdom or you were diving under licensed instruction. 27 Your claim arises from travel in any air supported device other than as a passenger in a fully licensed aircraft

operated by an airline or charter company. This exclusion does not apply to regulated or licensed ballooning.

Documents

2013-214 Insurance Plan Summary - The Intern Group Intern... · Pembroke Pines, FL. 33028 U.S. Fax: +1 (305) 749-0475 ... contact the appropriate Customer Service number listed on