Heritage Insurance Managers, Inc.: International Assistance Program

The following describes the benefits and limitations of the International Assistance Program (IAP), which is available only as a part of an International Student Health Insurance policy issued to a sponsoring University. Confirm with your University if the IAP is part of your school's health insurance program.

The International Assistance Program (IAP) is included in the Accident and Health Insurance Plan. The IAP plan is a 24-hour emergency telephone assistance service available during Your coverage period. In the event of a medical emergency, English speaking help and advice may be furnished to You.

PART A

Transportation

Benefits for the following services are provided to a maximum single limit of $100,000.00 for medical evacuation/repatriation and $20,000.00 for repatriation of mortal remains.

Emergency Evaluation and Medically Necessary Repatriation

The Assistance Company will provide benefits up to the maximum shown above if an Injury or Sickness commencing during the course of Your coverage period results in Your necessary Emergency Evacuation or Medically Necessary Repatriation. Both must be ordered by a legally licensed Physician who certifies that the severity of Your Injury or Sickness warrants this type of Transportation.

Emergency Evacuation means:

Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained;

Medically Necessary Repatriation means:

After being treated at a local hospital, Your medical condition warrants transportation to Your Home Country, to obtain further medical treatment or to recover;

Covered benefits are usual and reasonable charges, up to the maximum, for necessary transportation, medical services, and medical supplies incurred in connection with Your Emergency Evacuation or Medically Necessary Repatriation, which are recommended by the attending Physician. All transportation arrangements made for Your Evacuation/Repatriation will be by the most direct and economical route possible.

Expenses must be:

Recommended by the attending Physician;
Required by the standard regulations of the conveyance transporting You;
Verified and approved in advance by the Assistance Company.

Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation or Medically Necessary Repatriation. Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Assistance Company will not cover any expenses provided by another party at no cost to You. All Transportation must be PRE-authorized and PRE-arranged by the Assistance Company. Call the numbers listed below.

Transportation to Join Disabled Member

When You are traveling alone and are hospitalized for more than seven days, economy round trip transportation to the place of hospitalization will be provided, to the maximum limit shown above, to a person chosen by you.

Return of Mortal Remains

The Assistance Company will pay benefits up to $20,000.00 to return Your body to the Home Country if You die during Your coverage period. This will not exceed the maximum amount shown above. Covered benefits include, but are not limited to, expenses for embalming, cremation, minimally necessary coffins, and transportation.

Definitions

"Injury" means bodily injury caused by an accident occurring while this policy is in force, and resulting directly and independently of all other causes in loss covered by the Plan. The injury must be verified by a Physician.

"Sickness" means illness or disease which is diagnosed and treated by a Physician while You are covered under this Plan.
"Physician" means a licensed practitioner of the healing arts acting within the scope of his/her license. The treating Physician may not be Yourself, or a family member.
"You, "Your" or "Yourself" means the student, who has purchased and is covered by the International Assistance Program, as well as the Student's Spouse and Dependents.

PART B

Worldwide Emergency Assistance Services

The Assistance Company can assist you with the following. In all cases You are responsible for all the costs involved.

Pre-Departure Information
Information can be provided prior to departure for such items as: required and recommended immunizations; passport and visa information; and precautions for medically remote or under served areas; information for handicapped or disabled travelers; and help in arranging special medical services needed while traveling.

Medical Consultation and Evaluation
Calls are evaluated by a medical staff. If necessary, You will be referred to an appropriate medical facility.

Hospital Admission Guarantee
The Assistance Company can guarantee admission to allow You to be admitted promptly and can either validate insurance or advance personal funds of up to $2,000.00 to the Hospital.

Critical Care Monitoring
The Assistance Company's medical team can maintain regular communication with the attending Physician and Hospital and relay needed information to Your family or school.

Lost Document Assistance
Assistance can be provided in obtaining replacements if a student loses important travel documents while traveling - e.g. passports, credit cards, etc.

Emergency Personal Cash Transfer
Assistance can be provided in the transfer of personal funds from Your Home Country to a location in the United States.

Emergency Medication
Should You require prescription medication that is not available locally, the Assistance Company can assist in making arrangements to have the medication brought to You when possible and legally permissible upon request of the attending Physician.

Emergency Message Transmission
The Assistance Company can assist in the sending and receiving of emergency messages to and from your Home Country.

Legal Referral
Legal referrals can be provided to local qualified attorneys during regular working hours. Assistance can also be provided in obtaining bail bonds in areas where they are customarily issued.

Terms and Conditions

The following terms and conditions apply. The Assistance Company is not responsible for any loss caused by or resulting from:

Suicide or attempted suicide; Intentionally self-inflicted injuries; War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not); civil war; Mental or emotional disorders, unless hospitalized; Being under the influence of drugs or intoxicants unless prescribed by a Physician; Commission or the attempt to commit a criminal act; Participating in bodily contact sports; skydiving; hang gliding; parachuting; mountaineering; any race; bungee cord jumping; and speed contest; Any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses; mild lesions; simple injuries including but not limited to, sprain, simple fractures, or mild sickness that can be treated locally and do not prevent You from continuing Your studies abroad; infections under treatment and not healed; Pregnancy and childbirth (except for complications of pregnancy); and if travel is undertaken for the sole purpose of securing medical treatment.

NOTE: Problems of distance, information and communication make it impossible for the Assistance Company to assume any responsibility for the availability, quality, use or result of any emergency service.

The Assistance Company is not responsible and cannot be held liable for any malpractice performed by a local physician or attorney who is not an employee of the Assistance Company.

All services must be rendered by the Assistance Company. Failure to contact the Assistance Company as soon as reasonably possible to arrange these services may result in non-reimbursement of costs covered. Any expenses incurred under Part A that exceed the stated limits will be Your responsibility.

FOR ASSISTANCE, OR QUESTIONS, DO NOT CALL HERITAGE OR THE INSURANCE COMPANY. PLEASE CONTACT THE ASSISTANCE COMPANY AT THE NUMBERS BELOW

AIG INTERNATIONAL TELEPHONE SERVICES

Phone Numbers:

Within the USA or Canada
(800) 310-5244

From Countries other than the USA or Canada
(Call Collect) (713) 267-3367

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