resources for travelers & insurance for mit students · travel registration v. health insurance...

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


BeforeyouTravel

• DownloadISOSApp.OnyourSmartphone’sbrowsergoto:app.internationalsos.com

• Oncedownloaded,launchtheAppandloginusingMIT’sISOSMembershipNumber- 11BSGC000066

• ObtainISOSCard(downloadorcontactToddHolmesand/orSarahVoigt)[seeresourcespage]


WhileAbroad

Whileabroad,callwhenyou:• Needhealthandsafetyadvice;• Needtospeakwithanexperienced,internationally-traineddoctorormedicalprofessional;

• NeedalocaldoctororotherprovidercredentialedbyInternationalSOS;

• Requiresuppliesofmedicationorequipment;

• Needassistanceduetothelossoftraveldocuments.


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.)


WhoisNOT CoveredforMedicalCoverage

• MedicalcoverageisNOT extendedtoneithernon-MIT studentsparticipatinginanMITprogramnor toanMITstudents’familymembers

• FacultyandStaffareNOTcoveredbythisProgramandshouldrefertotheirMITMedicalInsurancePlanorwhateverotherinsuranceplanmaybeprovidingtheirhealthcoverage.(MITMedicalInsurancedoesprovideworldwidecoverage.)

• Supportservices(suchasevacuationandmedicalreferralassistance)willcontinuetobeprovidedtoalumni,visitingstudents,crossregisteredstudents,volunteersandaffiliatesofMITwhenparticipatinginanapprovedMITorganized,ledorfinancedprogram,projectortrip.


WHENDOESCOVERAGEBEGIN?:

• ThedatetheMITRegisteredStudentdepartsfortheeducational,researchactivityorclasstrip/programonbehalfofMIT*

WHENDOESCOVERAGEEND?

• TheDatethattheabovetripendsandthestudentreturnsfromsucheducationalorresearchactivityorclasstrip/program.


Coverageisalsoprovided14daysprior/afterthetrip(butnotboth).CoverageautomaticallyendsuponthestudentsreturntoMITortheir

homecountryupontheendofthetrip.

PRIMARYCOVERAGE:

• CoverageprovidedbytheMITStudyAbroadInsuranceprogramisPrimarycoverage.

• OtherhealthcarecoveragewouldapplyexcessandshouldbemaintainedduetocoveragelimitationsandexclusionsincludedundertheMITStudyAbroadcoverageform.

TOFILEACLAIM(whentravelingabroad)

• CallISOS:011-215-942-8478(collectcallsaccepted)• ISOSMUSTbeinvolvedinthemanagementofmedical

servicesforcoveragetobeapplicable


WHATISCOVERED:

• MedicalExpenseBenefit: $100,000perInsuredPerson• Deductible: $0• AD&D: $25,000perInsuredPerson• MentalorNervousCondition: $5,000perInsuredPerson• PhysicalTherapy: $5,000perInsuredPerson

AllotherstandardISOSservices,including,Security,MedicalandNaturalDisasterevacuationareincluded.

CoverageisprovidedforthereasonableandcustomarychargesforMedicalServices providedinthecareandtreatmentofsicknessoraccidentalbodilyinjury.


WHATISCOVEREDCONTINUED:

MedicalServicesaredefinedas:

Coverageforexpensesduetoaccident/injuryincurredwhilestudyingabroad.NObenefitsarepayableforexpensesonceastudentreturnstotheUS,ortheirhomecountryaftertheconclusionoftheMITtrip.


WHATISCOVEREDCONTINUED:

MedicalServicesaredefinedas:• MedicalcareandtreatmentbyaPhysician• HospitalroomandboardandHospitalcare,bothinpatientandoutpatient;• DrugsandmedicinesrequiredandprescribedbyaPhysician;• Diagnostictestsandx-raysprescribedbyaPhysician;• TransportationofanInsuredPersoninanemergencytransportationvehiclefrom

thelocationwheresuchpersonbecomesinjuredtothenearestHospitalwhereappropriatemedicaltreatmentcanbeobtained;

• DentalcareandtreatmentduetoanAccidentalBodilyInjury• PhysicalTherapy,includingdiathermy,ultrasonic,whirlpoolorheattreatment

adjustment,manipulation,massageandtheofficevisitassociatedwithsuchtherapy;

• TreatmentperformedbyalicensedmedicalprofessionalwhenprescribedbyaPhysician,ifhospitalizationwouldhavebeenotherwiserequired;

• Rentalofdurablemedicalequipment;• Artificiallimbsandotherprostheticdevices• Orthopedicappliancesorbraces.


WHATISNOTCOVERED:

MedicalServicesdoNOTincluded:• MedicalcareandtreatmentbyaPhysician• HospitalroomandboardandHospitalcare,bothinpatientandoutpatient;• DrugsandmedicinesrequiredandprescribedbyaPhysician;• Diagnostictestsandx-raysprescribedbyaPhysician;• TransportationofanInsuredPersoninanemergencytransportationvehiclefrom

thelocationwheresuchpersonbecomesinjuredtothenearestHospitalwhereappropriatemedicaltreatmentcanbeobtained;

• DentalcareandtreatmentduetoanAccidentalBodilyInjury• PhysicalTherapy,includingdiathermy,ultrasonic,whirlpoolorheattreatment

adjustment,manipulation,massageandtheofficevisitassociatedwithsuchtherapy;

• TreatmentperformedbyalicensedmedicalprofessionalwhenprescribedbyaPhysician,ifhospitalizationwouldhavebeenotherwiserequired;

• Rentalofdurablemedicalequipment;• Artificiallimbsandotherprostheticdevices• Orthopedicappliancesorbraces.


ExclusionExamples• ExtremeSports–

• scubadiving>100ft;• skydiving;• hang-glidingorparagliding;• parascending(otherthanoverwater);• bungeejumping;• mountaineeringorrockclimbingnormallyrequiringtheuseofguidesor

ropes;• caving.

• IllegalActs– commissionorattemptedcommissionofafelonyorbeingengagedinanillegaloccupation.

• Incarceration – whilethepersonisincarceratedafterconviction

• Intoxication– asdefinedbythelawsofthejurisdictionwheretheAccidentoccurs


ExclusionExamples-Continued

• Narcotic – beingundertheinfluenceofanynarcoticorothercontrolledsubstanceatthetimeofaloss.(ExclusiondoesnotapplyifanynarcoticorothercontrolledsubstanceistakenandusedasprescribedbyaPhysician.)

• OperationofaMotorVehiclewithoutaRequiredLicense- withouttheproperlicensetooperatesuchvehicleinthejurisdictionwheretheAccident/Injuryoccurs.

• ParticipationinOrganizedSports– inaprofessional,intercollegiateorinterscholasticsports.

• ParticipationinaRaceorSpeedContest - engagedinorparticipatinginamotorizedvehicularraceorspeedcontest.

• OtherExclusions:Aircraftpilotorcrew,Owned/leased/operatedaircraft,rocketpropelledorrocketlaunchedconveyance,serviceinthearmedforces,specializedaviation,war.


• 1st responderofcoverage:MIT– InternationalStudentHealthInsurance

Ifnotcoveredherethen–

• 2nd responderofcoverage(excessprovider):MITStudentExtendedInsurancePlan– orOtherApplicableInsurancePlan

Ifnotcoveredherethen–

• 3rd responder:StudentResponsibilitytoPay


resources for travelers & insurance for mit students · travel registration v. health insurance...

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