Medical & Emergency Travel Insurance is available with your program.
The insurance coverage includes: |
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24-Hour Emergency Help Line |
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Medical Referral Services for Local Hospitals, Physicians and Pharmacies |
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Legal Assistance Services |
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Travel Assistance Services |
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$250,000 Emergency Evacuation |
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$25,000 Repatriation of Remains |
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$5,000 Accident Medical Expense |
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$100/day Sickness/Hospital Benefit |
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| > Please click on the following links for more information |
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| > Description of Coverage |
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| Students and Educational Professionals are eligible for membership benefits if they are engaged in educational activities and a BETA membership has been purchased and paid for in full. Upon submission of claim, proof of status as a student or educational professional valid at the time of enrollment and upon the date of loss that attests to the fact the he/she is engaged in education, or educationally sponsored activities as a student, teacher, scholar or educational professional, whichever is applicable, must be provided. |
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| > Period of Coverage |
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Effective Date: Coverage begins the date following the day the premium is paid and will remain valid for a period of one year.
The insurance is valid only when an Insured Person is outside of their Home Country or Country of Domicile if different.
Premium is not refundable once paid. |
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| > Schedule of Benefits |
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| • Up to: |
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$250,000 Emergency Medical Evacuation |
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$25,000 Repatriation of Remains |
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$5,000 Accident Medical Expense |
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$100/day Sickness Hospital Benefit
(to a maximum 60 days) |
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$250 Passport Replacement |
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$50 Baggage Delay |
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$5,000 Accidental Death & Dismemberment
(while flying as a passenger in a scheduled, commercial aircraft) |
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$1,000 Accidental Death & Dismemberment
(causes other than air accidents) |
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Access 24-hour Emergency Travel Assistance |
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| > Pre-Existing Medical Condition Exclusion Applicable to all Coverages
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| Loss or expense incurred as the result of Injury or Sickness of an Insured Person which manifests itself during the 90 days immediately preceding and including the Effective Date are not covered under this insurance program, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 90-day period. A sickness has manifested itself when: (a) medical care or treatment has been given; or (b) there exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment. |
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| > Description of Coverages |
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• Emergency Medical Evacuation
The Company will pay benefits for covered expenses incurred up to a maximum of $250,000 if an Injury or Illness commencing during the course of a trip results in the necessary emergency evacuation of the Insured Person. An emergency evacuation must be ordered by a Physician who certifies that the severity of the Insured Person's Injury or Illness warrants the emergency evacuation of the Insured Person. Emergency Evacuation means: a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or ill to the nearest Hospital where appropriate medical treatment can be obtained; or b) after being treated at a local Hospital, the Insured Person's medical condition warrants transportation to his/her then current place of residence to obtain further medical treatment or to recover; or c) both a) and b) above.Covered expenses are expenses, up to the maximum, for transportation, medical services and medical supplies necessarily incurred in connection with emergency evacuation of the Insured Person. All transportation arrangements made for evacuating the Insured Person must be the most direct and economical route. Expenses for special transportation must be a) recommended by the attending Physician, or b) required by the standard regulations of the conveyance transporting the Insured Person. Expenses for medical supplies and services must be recommended by the attending Physician. Transportation means any land, water or air conveyance required to transport the Insured Person during an emergency evacuation. Special transportation includes but is not limited to air ambulances, land ambulances and private motor vehicles.All emergency medical evacuations must be organized, arranged and approved by AIG International Services. |
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| > Repatriation of Remains
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| The Company will pay the reasonable covered expenses incurred to prepare and return the Insured Person's body home (to his/her home country) if he or she dies, not to exceed the maximum of $25,000.All repatriations of remains must be organized, arranged and approved by AIG International Services. |
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| > Accident Medical Coverage
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The Company will pay benefits for covered expenses incurred up to a maximum of $5,000 if an Injury requires him or her to be treated by a Physician within 30 days of the date of the accident that caused the Injury.
The company will reimburse Usual and Customary Charge(s) incurred for Medically Necessary covered accident medical services received due to the Injury, up to the maximum per Insured Person for all Injuries caused by the same accident. This benefit is payable only for such charges incurred within 52 weeks after the date of the accident causing that Injury.
Covered accident medical services means any of the following services: 1) Hospital semi-private room and board (or room and board in an intensive care unit); Hospital ancillary services (including, but not limited to, use of the operating room or emergency room); or use of an ambulatory medical center; 2) services of a Physician or a registered nurse (R.N.); 3) ambulance service to or from a Hospital; 4) laboratory tests; 5) radiological procedures; 6) anesthetics and the administration of anesthetics; 7) blood, blood products and artificial blood products, and the transfusion thereof; 8) physical therapy and occupational therapy; 9) rent of Durable Medical Equipment; 10) artificial limbs, artificial eyes or other prosthetic devices; or 11) medicines or drugs administered by a Physician or that can be obtained only with a Physicianâ?(TM)s written prescription. |
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| > Sickness Hospital Benefit
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| The Company will pay $100 per day of Hospital confinement to the Insured Person up to a maximum of 60 days if an Illness requires him or her to be confined in a Hospital at the direction of a Physician. |
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| > Passport Replacement
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| The Company will reimburse expenses incurred due to the loss of the Insured Person's passport during the Insured Person's trip up to a maximum of $250. |
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| > Baggage Delay
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| The Company will reimburse expenses up to $50 for reasonable, additional clothing and personal articles purchased by the Insured Person during a trip if the Insured Person's baggage that had been checked with a common carrier is delayed more than 24 hours. Claims for reimbursement must be accompanied by receipts and proof of delay provided by the common carrier. This benefit does not apply if baggage is delayed after the Insured Person returns home. |
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| > Accidental Death & Dismemberment
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| The Company will pay an indemnity determined from the Table of Losses if an Insured Person sustains a loss stated therein resulting from Injury, provided that such loss occurs within 365 days after the date of the accident causing such loss. In the event a covered loss occurs while boarding, riding as a passenger on or alighting from a scheduled, commercial airline the Principal Sum will be $5,000. In the event a covered loss is caused by an Injury other than while boarding, riding as a passenger on or alighting from a scheduled commercial airlines the Principal Sum will be $1,000. |
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Description of Loss |
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Indemnity |
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Life |
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Principal Sum |
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Both Hands or Both Feet |
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Principal Sum |
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Sight of Both Eyes |
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Principal Sum |
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One Hand and One Foot |
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Principal Sum |
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Either Hand or Foot and Sight of One Eye |
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Principal Sum |
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Either Hand or Foot |
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One-Half of Principal Sum |
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Sight of One Eye |
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One-Half of Principal Sum |
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The term "loss" used above means with regard to hands and feet, actual severance through or above wrist or ankle joints, and with regard to eyes, entire irrecoverable loss of sight.
• Disappearance
If the body of an Insured Person has not been found within one year of the disappearance, forced landing, stranding, sinking or wrecking of a conveyance in which such person was an occupant, then it shall be deemed, subject to all other terms and provisions of the policy, that such Insured Person shall have suffered loss of life within the meaning of the policy.
• Additional Exclusions
Loss resulting from Illness of any kind and bacterial infections except pyogenic infection which shall occur through an accidental wound. |
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| > Excess Benefits |
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| All coverage, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall apply only when such benefits are exhausted. |
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| > Definitions |
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The term "Injury" wherever used herein means bodily injury caused solely and directly by violent, external and visible means occurring while this policy is in force resulting directly and independently of all other causes in loss covered by this policy.
The term "Illness" wherever used herein means sickness or disease of any kind contracted and commencing after the effective date of this policy and causing loss covered by this policy.
The term "Hospital" as used herein shall mean, except as may otherwise be provided, a hospital (other than an institution for the aged, chronically ill or convalescent, resting or nursing homes) operated pursuant to the law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24-hour nursing service and medical supervision.
The term "Physician" as used herein shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform surgery in accordance with the laws of the jurisdiction where such professional services are performed and who is not a member of the insured person's family.
The term "Usual and Customary Charge(s)" as used herein shall mean a charge that 1) is made for a covered accident medical service; 2) does not exceed the usual level of charges for similar treatment, services or supplies in the locality where the expense in incurred (for a Hospital room and board charge, other than for a Medically Necessary stay in an intensive care unit, does not exceed the Hospital's most common charge for semi-private room and board); and 3) does not include charges that would not have been made if no insurance existed.
The term "Medically Necessary" as used herein shall mean that services are essential to the diagnosis, treatment or care of the Injury or Illness for which such services are prescribed or performed, that such services meet generally accepted standards of medical practice and are ordered by a Physician and performed under his or her care, supervision or order.
The term "Durable Medical Equipment" as used herein shall mean equipment of a type that is designed primarily for use, and used primarily, by people who are injured. It does not include items commonly used by people who are not injured.
The term "Insured Person" as used herein shall mean the person named by BETA as a participant in this insurance program. |
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| > General Exclusions |
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These exclusions apply to all benefits. In addition to any exclusions which apply to a particular benefit (called "Additional Exclusions"), this policy does not cover loss caused by: (a) traveling for the express purpose of obtaining medical treatment; (b) suicide or any attempt thereat by the Insured Person while sane or self destruction or any attempt thereat by the Insured Person while insane; (c) participation in professional or interscholastic athletic events, motor sport or motor racing including training or practice for the same; (d) mountain climbing; (e) acts of war; (f) military duty or service; (g) operating or learning to operate any aircraft, as pilot or crew; (h) air travel other than a regularly scheduled airline or air charter company; (i) loss or damage caused by detention, confiscation, or destruction by customs; (j) any unlawful acts, committed by the Insured Person; (k) nuclear reaction, radiation, or radioactive contamination; (l) civil disorder; (m) mental, psychological or nervous disorders including anxiety, depression, neurosis, or psychosis; (n) alcohol or substance abuse; (o) contests of speed; (p) venereal disease or syphilis.
MAXIMUM LIMIT OF LIABILITY: All limits are applied per occurrence. The Company´s maximum limit of liability resulting from the same occurrence will be $2,500,000. If loss for all Insureds from such an occurrence exceeds $2,500,000 we will pay each Insured that proportion of the Benefits stated which $2,500,000, bears to the total loss of all persons Insured under the policy.
The insurance benefits described in this Description of Coverage are supplements to the services provided for BETA participants by AIG International Services.
The Insurance Company of the State of Pennsylvania, a Member Company of American International Group, has issued a policy to AIG International Services in order to provide the benefits to eligible participants of the BETA program as outlined in this Description of Coverage. |
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| > AIG Assist |
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| Assistance services are provided by AIG International Services. Assistance Services are service benefits, not financial benefits. Any costs associated with benefits not purchased will be paid by the Insured Person. With the exception of Pre-Travel Assistance, services are only available when traveling outside of Insured Person's Home Country or County of Domicile if Different. |
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| • Pre-Travel Assistance |
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Advice on required and recommended immunization |
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Health information and precautions for medically remote or underserved
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Information for handicapped or disabled travelers |
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Help in arranging special medical services needed while traveling |
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Information on current political/environmental warnings |
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| • Medical Emergency Services |
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Worldwide, 24-hour medical referral service for local physicians, hospitals and
pharmacies |
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Medical Case Monitoring: |
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Maintain contact between local and personal physicians |
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Provide medical records to local physicians |
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Maintain daily contact between patient, family, employer, etc. |
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Monitor quality and cost of hospital treatments |
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Medical transportation arrangements |
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Emergency message service for medical situations |
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| • Legal Assistance |
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Arranging contact with a local English-speaking attorney |
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Worldwide, 24-hour contact for non-criminal legal emergencies |
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Legal referral to help you locate a consular official or attorney |
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| • Travel Assistance |
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Worldwide, 24-hour telephone contact for advice on handling losses and
delays |
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Help with lost passports, tickets and documents |
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Advice on filing travel-related claims |
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Arrange shipments of forgotten, lost or stolen items |
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Relay emergency messages |
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| > Payment of Claims |
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The insurance benefits described herein are underwritten by The Insurance Company of the State of Pennsylvania, a Member Company of American International Group.
With the exception of Emergency Medical Evacuation, Repatriation of Remains and Accidental Death and Dismemberment, the benefits described herein are reimbursement benefits. Complete documentation must accompany claims submissions. Medical claims must include fully itemized statement of charges with diagnosis on the Physician's letterhead or regular billing forms. Baggage delay claims must include descriptive receipts and documentation of the delay from the common carrier. Passport replacement claims must include descriptive receipts and documentation from the passport issuer.
Proof of eligibility is required to be submitted with each claim.
To obtain a claim form and information on claims procedures contact:
American International Companies
Accident & Health Claims
Travel Insurance Services Claims Unit
P.O. Box 15701
Wilmington, DE 19850-5701
Important: Claims must be submitted within 90 days from the date expenses are incurred.
The insurance is valid only when an Insured Person is outside of their Home Country or Country of Domicile if different.
Call AIG International Services immediately in the event an Emergency Medical Evacuation may become necessary. Failure to call AIG International Services may invalidate any payment applicable for claims under the Emergency Medical Evacuation and Repatriation of Remains benefits. |
