resources for travelers & insurance for mit students · travel registration v. health insurance...
TRANSCRIPT
International Travel
ResourcesforTravelers&InsuranceforMITStudents
Preparedby:ProgramManagerforInternationalSafety&Security&OfficeofInsurance
Presentedby:SandyMitchell,DirectorofInsurance
September12,2016EHSDept – SafetySeminar
54-100
Questions?
• Students/Faculty/Staff
• WhohastraveledabroadonbehalfofMIT?
• WhoisplanningtotravelabroadonbehalfofMIT?
• FortheFaculty&Staff:HowmanyofyouhavetakenstudentsabroadonbehalfofMIT?
I. Resources
II. MITTravelRiskPolicy
III. EmergencyServices
IV. TravelRegistration
V. HealthInsuranceCoverageforStudentswhenTravelingInternationally
ItemsofImportanceforpersonstravelingInternationallyonbehalfofMIT
• ProgramManagerforInternationalSafety&Security– ISOSandSecurityRelatedQuestions
ToddHolmes: [email protected]
• OfficeofInsurance– InternationalHealthInsurance
SandyMitchell: [email protected]
SarahVoigt: [email protected]
• ISOS:TollFreeCallsaccepted:1-215-942-8226
• ICCwebsite:http://icc.mit.edu/traveling-abroad
I.Resources
CoreServices&Support
• Travelerpreparedness:Helptopreparetravelers,DLCs,andstudentacademicprogrammanagersontravelrelatedrisks&mitigations
• Incidentresponse:RespondstointernationalincidentsthatdoormayimpactMITtravelers(students,faculty,staff)
• Crisisresponse: Leads/coordinatesInternationalEmergencyTeam(Institute-widecrisisresponseteam)
• Monitoring:Maintainsglobalsituationalawareness• Analyze&AssignCountryRisk:CustodianofMIT’sTravelRiskPolicy
– HighRiskTraveldestinationreviewanddecisionsupport
Onthehorizon– TravelRiskRegistry
I.Resources (cont’d)InternationalSafety&Security(ToddHolmes)
Oncethere• ContingencyPlan
– Designpriortotrip– Reviewincountry– Howgogethelp– Gettoasafeplace– Getout
Beforeyougo• TravelClinic
- Traveler’sillness(viral/microbial)• StandingTravelAdvice
- Lodgingsafety- Road&transportationsafety- Crime- Geo-Political- NaturalDisasters
• SOPstoavoidincidents• TravelSpecificAdvice:
- WomanTravelers- LGBTQTravelers
I.Resources(cont’d)InternationalSafety&Security(ToddHolmes)
• http://insurance.mit.edu/services/international-travel/mit-travel-risk-policy
• PolicysettoensurethatallmembersoftheMITcommunityareabletomakewell-informedtraveldecisions.
• GuidelinesoutlinedefinitionsofMITtravel,thevariouslevelsoftravelwarnings(extreme,high,moderate)andthepoliciesthatapplytotravelforMIT.
• Studenttravelmayberestrictedasoutlinedinthepolicy.StudentsCANNOTtraveltoanycountrywithan‘Extreme’or‘High’riskdesignation(ontravelriskpolicy)unlessatravelwaiverisgranted.(Policyappliesevenifstudenttravelingw/MITfacultyorstaffmember)
http://insurance.mit.edu/sites/default/files/documents/MIT%20Student%20High%20Risk%20Waiver%20Application%207-17%2015%28JL%29%20th.pdf
II.MITTravelRiskPolicy
II.MITTravelRiskPolicy– Continued
• Signed‘acknowledgmentofrisk’Travelformsrequiredfortravel.https://insurance.mit.edu/services/international-travel/mit-travel-risk-policy/travel-risk-forms
• NOTE…Allcountrieshaverisk– ReadtheDOSCountrySpecificInformation&accesstheInternationalSOSmedicalandsecurityinformation.
•
https://insurance.mit.edu/services/international-travel/international-sos
• MIT’scontractedinternationalmedicalandsecurityassistanceprovider.(ISOSisaservice provider.Itisneitherasubstitutefor,norasupplementto,personalhealthinsurance.)
• Providedtostudents(MIT-businessonly&for14dayspriorORaftertrip)andtofaculty/staff(business&personal).
• CallCOLLECT24/7fromanywhereinworld011-215-942-8478
III.InternationalSOS(ISOS)InternationalEmergency&SupportServices
• Servicesprovided• Countrymedicalandsecurityrisks• Recommendedserviceprovidersincountry• Emailalertsandtravelbriefs• Country-relevanttravelriskinformation• Evacuation*assistance(medical&security)(*ISOSdoesnotextricatefromdangerousenvironments.Securityplanningrequirestodeterminewhowouldprovidethatwellinadvanceofdepartingtothelocation.)
• VisitMIT’sISOSprogramportalwhichprovidesawealthofresourcesoncountry-specificmedicalandsecuritytraveladvice.https://www.internationalsos.com/MasterPortal/default.aspx?membnum=11BSGC000066
III.InternationalSOS(ISOS)InternationalEmergency&SupportServices
BeforeyouTravel
• DownloadISOSApp.OnyourSmartphone’sbrowsergoto:app.internationalsos.com
• Oncedownloaded,launchtheAppandloginusingMIT’sISOSMembershipNumber- 11BSGC000066
• ObtainISOSCard(downloadorcontactToddHolmesand/orSarahVoigt)[seeresourcespage]
III.InternationalSOS(ISOS)InternationalEmergency&SupportServices
WhileAbroad
Whileabroad,callwhenyou:• Needhealthandsafetyadvice;• Needtospeakwithanexperienced,internationally-traineddoctorormedicalprofessional;
• NeedalocaldoctororotherprovidercredentialedbyInternationalSOS;
• Requiresuppliesofmedicationorequipment;
• Needassistanceduetothelossoftraveldocuments.
III.InternationalSOS(ISOS)InternationalEmergency&SupportServices
IV.TravelRegistration
• Icc.mit.edu/travel-abroad/register-your-travel
• AnMITinstitute-widetravelregistryiscurrentlyunderdevelopment
• StudentPrograms:RegistrationiscurrentlyrequiredforstudentstravelingwithMITsponsoredprograms.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
Disclaimer:
TheinformationcontainedwithinisasummaryoffeaturesandbenefitsofcoverageprovidedundertheMITStudyAbroadInsuranceProgramissuedbyFederalInsuranceCompany.
Thissummaryispresentedasabriefoverviewforeducationalpurposes.CoverageisgovernedbythetermsandconditionsoftheinsurancepolicyissuedtoMassachusettsInstituteofTechnology.
AnyquestionsshouldbedirectedtoTheOfficeofInsurance.
WhoisCovered
• AllregisteredstudentsofMITwhileparticipatinginaneducationalorresearchactivity,orparticipatinginaclasstripforaperiodlessthan365days.
• CoverageextendstorecentMITgraduatesthatparticipateinanMITrelatedtripthatoccurswithin3monthsofgraduation.(Registrationinprogrammustbedonepriortograduation.)
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
WhoisNOT CoveredforMedicalCoverage
• MedicalcoverageisNOT extendedtoneithernon-MIT studentsparticipatinginanMITprogramnor toanMITstudents’familymembers
• FacultyandStaffareNOTcoveredbythisProgramandshouldrefertotheirMITMedicalInsurancePlanorwhateverotherinsuranceplanmaybeprovidingtheirhealthcoverage.(MITMedicalInsurancedoesprovideworldwidecoverage.)
• Supportservices(suchasevacuationandmedicalreferralassistance)willcontinuetobeprovidedtoalumni,visitingstudents,crossregisteredstudents,volunteersandaffiliatesofMITwhenparticipatinginanapprovedMITorganized,ledorfinancedprogram,projectortrip.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
WHENDOESCOVERAGEBEGIN?:
• ThedatetheMITRegisteredStudentdepartsfortheeducational,researchactivityorclasstrip/programonbehalfofMIT*
WHENDOESCOVERAGEEND?
• TheDatethattheabovetripendsandthestudentreturnsfromsucheducationalorresearchactivityorclasstrip/program.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
Coverageisalsoprovided14daysprior/afterthetrip(butnotboth).CoverageautomaticallyendsuponthestudentsreturntoMITortheir
homecountryupontheendofthetrip.
PRIMARYCOVERAGE:
• CoverageprovidedbytheMITStudyAbroadInsuranceprogramisPrimarycoverage.
• OtherhealthcarecoveragewouldapplyexcessandshouldbemaintainedduetocoveragelimitationsandexclusionsincludedundertheMITStudyAbroadcoverageform.
TOFILEACLAIM(whentravelingabroad)
• CallISOS:011-215-942-8478(collectcallsaccepted)• ISOSMUSTbeinvolvedinthemanagementofmedical
servicesforcoveragetobeapplicable
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
WHATISCOVERED:
• MedicalExpenseBenefit: $100,000perInsuredPerson• Deductible: $0• AD&D: $25,000perInsuredPerson• MentalorNervousCondition: $5,000perInsuredPerson• PhysicalTherapy: $5,000perInsuredPerson
AllotherstandardISOSservices,including,Security,MedicalandNaturalDisasterevacuationareincluded.
CoverageisprovidedforthereasonableandcustomarychargesforMedicalServices providedinthecareandtreatmentofsicknessoraccidentalbodilyinjury.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
WHATISCOVEREDCONTINUED:
MedicalServicesaredefinedas:
Coverageforexpensesduetoaccident/injuryincurredwhilestudyingabroad.NObenefitsarepayableforexpensesonceastudentreturnstotheUS,ortheirhomecountryaftertheconclusionoftheMITtrip.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
WHATISCOVEREDCONTINUED:
MedicalServicesaredefinedas:• MedicalcareandtreatmentbyaPhysician• HospitalroomandboardandHospitalcare,bothinpatientandoutpatient;• DrugsandmedicinesrequiredandprescribedbyaPhysician;• Diagnostictestsandx-raysprescribedbyaPhysician;• TransportationofanInsuredPersoninanemergencytransportationvehiclefrom
thelocationwheresuchpersonbecomesinjuredtothenearestHospitalwhereappropriatemedicaltreatmentcanbeobtained;
• DentalcareandtreatmentduetoanAccidentalBodilyInjury• PhysicalTherapy,includingdiathermy,ultrasonic,whirlpoolorheattreatment
adjustment,manipulation,massageandtheofficevisitassociatedwithsuchtherapy;
• TreatmentperformedbyalicensedmedicalprofessionalwhenprescribedbyaPhysician,ifhospitalizationwouldhavebeenotherwiserequired;
• Rentalofdurablemedicalequipment;• Artificiallimbsandotherprostheticdevices• Orthopedicappliancesorbraces.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
WHATISNOTCOVERED:
MedicalServicesdoNOTincluded:• MedicalcareandtreatmentbyaPhysician• HospitalroomandboardandHospitalcare,bothinpatientandoutpatient;• DrugsandmedicinesrequiredandprescribedbyaPhysician;• Diagnostictestsandx-raysprescribedbyaPhysician;• TransportationofanInsuredPersoninanemergencytransportationvehiclefrom
thelocationwheresuchpersonbecomesinjuredtothenearestHospitalwhereappropriatemedicaltreatmentcanbeobtained;
• DentalcareandtreatmentduetoanAccidentalBodilyInjury• PhysicalTherapy,includingdiathermy,ultrasonic,whirlpoolorheattreatment
adjustment,manipulation,massageandtheofficevisitassociatedwithsuchtherapy;
• TreatmentperformedbyalicensedmedicalprofessionalwhenprescribedbyaPhysician,ifhospitalizationwouldhavebeenotherwiserequired;
• Rentalofdurablemedicalequipment;• Artificiallimbsandotherprostheticdevices• Orthopedicappliancesorbraces.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
ExclusionExamples• ExtremeSports–
• scubadiving>100ft;• skydiving;• hang-glidingorparagliding;• parascending(otherthanoverwater);• bungeejumping;• mountaineeringorrockclimbingnormallyrequiringtheuseofguidesor
ropes;• caving.
• IllegalActs– commissionorattemptedcommissionofafelonyorbeingengagedinanillegaloccupation.
• Incarceration – whilethepersonisincarceratedafterconviction
• Intoxication– asdefinedbythelawsofthejurisdictionwheretheAccidentoccurs
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
ExclusionExamples-Continued
• Narcotic – beingundertheinfluenceofanynarcoticorothercontrolledsubstanceatthetimeofaloss.(ExclusiondoesnotapplyifanynarcoticorothercontrolledsubstanceistakenandusedasprescribedbyaPhysician.)
• OperationofaMotorVehiclewithoutaRequiredLicense- withouttheproperlicensetooperatesuchvehicleinthejurisdictionwheretheAccident/Injuryoccurs.
• ParticipationinOrganizedSports– inaprofessional,intercollegiateorinterscholasticsports.
• ParticipationinaRaceorSpeedContest - engagedinorparticipatinginamotorizedvehicularraceorspeedcontest.
• OtherExclusions:Aircraftpilotorcrew,Owned/leased/operatedaircraft,rocketpropelledorrocketlaunchedconveyance,serviceinthearmedforces,specializedaviation,war.
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel
• 1st responderofcoverage:MIT– InternationalStudentHealthInsurance
Ifnotcoveredherethen–
• 2nd responderofcoverage(excessprovider):MITStudentExtendedInsurancePlan– orOtherApplicableInsurancePlan
Ifnotcoveredherethen–
• 3rd responder:StudentResponsibilitytoPay
V.HealthInsuranceCoverageforStudentswhenTravelingInternationallyonMITrelatedTravel