EIIA Vision Review Kelly Cronin Associate Director P&C, EIIA - - PowerPoint PPT Presentation

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EIIA Vision Review Kelly Cronin Associate Director P&C, EIIA - - PowerPoint PPT Presentation

Oct 08, 2023 326 likes •487 views

EIIA International Program EIIA Vision Review Kelly Cronin Associate Director P&C, EIIA August 21, 2014 Agenda and Housekeeping Brief review of coverage Whats New What s New A look at some claims information

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EIIA Vision

EIIA International Program Review

Kelly Cronin Associate Director P&C, EIIA August 21, 2014

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Agenda and Housekeeping

  • Brief review of coverage

 What’s New  What s New

  • A look at some claims information
  • Can you pre-screen for health issues?
  • The Affordable Care Act and travel coverage
  • The Affordable Care Act and travel coverage
  • Ebola virus and travelers

Replay will be posted on www.eiia.org/media/webinars Kelly Cronin, EIIA 888-260-7396 kcronin@eiia.org Susan Fontaine

  • Sr. VP, Navigators Global

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International Program - Basics

EIIA Travelers – 20,000+ Trips , p

Broken ankle, cracked tooth, death, mental breakdown, assault, appendicitis, lost passport, lost Rx, civil war, plane crash, arrest, tsunami…etc

The Goal – One phone #, almost any incident

K & R (standalone) Political/ Disaster Evac. Int’l GL, Auto, Medical Aircraft (NOA) StarNet

Insurance

CCH (InTouch)

Company

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International Program – Effective through 8/1/15

EIIA FrontierMEDEX ID # 352191 Call Collect International 1-410-453-6330 Call Collect International 1 410 453 6330 Call Collect from U.S. 1-800-527-0218

  • International program renews annually on AUGUST 1
  • Trips reported annually in November for the March Renewal Questionnaire
  • Blanket program: trips are covered even if missed on report
  • Brochures & Key Tags sent in June – contact EIIA for more
  • Confirmation of Insurance certificates– send name of traveler/s, dates of

travel, destination/s to adminservices@eiia.org (for visas or scholarships)

  • EIIA Member Website for program information – www.eiia.org/foreignassist

 Now includes claim form

  • Link from EIIA’s site to FrontierMEDEX: pre-trip info & alerts (login required)

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p p ( g q )

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International Prog. – Employee Foreign Protection

Section I Foreign Voluntary Compensation Statutory benefit, location of hire Section II Employers Liability $1 000 000 limit for damages Section II Employers Liability $1,000,000 limit for damages Section III Business Travel Accident Emergency Travel Medical Who: Students, Faculty, Staff, Alumni, Volunteers, Chaperones, Board members, “Other Participants”, third-country nationals*, and Spouses and Children while accompanying covered travelers. When: For injury, or illness experienced when on an institution- sponsored trip (or immediately before, after, or during such a trip - “insured journey” or sojourn) Where: Coverage is worldwide EXCEPT the U.S. and its territories/ possessions (Puerto Rico, Guam, etc)

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*Travelers are not covered in their own countries.

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International Program – EFP (cont.) g ( )

What:

  • Emergency Accident & Sickness

$100 000 / person

  • Emergency Accident & Sickness

$100,000 / person

  • Emergency Medical Evacuation* $1,000,000 / person and /policy
  • Deductible

$250 / incident P E i ti C diti Li it $3 000 /

  • Pre-Existing Condition Limit

$3,000 / person

  • Pre-Existing Condition Deductible $500 / incident
  • Designated Companion

Coach airfare & max $300 /day, $5,000 /incident

  • Accidental Death (AD&D)

$200,000 principal sum

  • Repatriation of Remains*

$100,000 / person

  • Political Evacuation*

$2,500 / person and / policy (Navigators) $100,000 / institution (FrontierMEDEX)

  • Natural Disaster Evacuation*

$50,000 / all institutions (excess limits available)

* MUST be arranged by FrontierMEDEX or coverage does not apply

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International Program – General Liability g y

Bodily Injury or Property Damage caused when acting on Institution’s behalf

  • Per Occurrence Limit

$1,000,000

  • Aggregate Limit

$2,000,000

  • Damage, Premises Rented to You

$1,000,000 g

  • Personal & Advertising Injury

$1,000,000

  • Medical Expense Limit

$50,000

  • Crisis Communication Mgmt

$25 000 Crisis Communication Mgmt. $25,000 Students are named insureds only while directly involved in educational activity Students are named insureds only while directly involved in educational activity. Yes: Student on faculty-led trip to museum accidentally causes damage to art No: Student smashes a car windshield with a fire-ax while drunk

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International Program - Auto

  • Liability Limit

$1,000,000 / accident

  • Medical Expense Limit

$25 000

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  • Medical Expense Limit

$25,000

  • Physical Damage Limit on Owned Autos $10,000 /accident, $100,000 aggregate
  • Physical Damage Limit on Hired Autos

$25,000 / accident D d tibl C h i C lli i $1 000 / t

  • Deductible, Comprehensive or Collision

$1,000 / auto Liability Comprehensive Collision    O ned A tos    Owned Autos    Hired Autos  Non-Owned Autos EIIA requires that your travelers always purchasing local rental insurance.

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International Program - What ISN’T covered?

  • Specific sports when representing the institution – football, boxing, gymnastics, ice hockey,

lacrosse, basketball, baseball, martial arts, rodeo, skiing (water/snow), surfing, swimming, diving, wrestling or equestrian

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wrestling, or equestrian.

  • Specific hazardous activities any time – skydiving, parachuting, hang gliding, bungee jumping,

mountain climbing, caving, zip-lining, motorcycle riding; scuba diving unless part of curriculum.

  • Medical costs associated with suicide attempts

Medical costs associated with suicide attempts

  • Reimbursement for lost/stolen/damaged personal belongings
  • Deductibles – FrontierMEDEX can assist in fund transfers from home
  • Trip cancellation or trip interruption
  • Trips for which the educational or missionary purpose is not primary
  • Evacuation not arranged by FrontierMEDEX; housing during evacuation
  • “Grounding” stays – stranded or unable to be medically evacuated home
  • Medical Companion coverage not medically necessary/required by doctor

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International Program – New This Year

Campus Conduct Hotline (CCH)

EIIA’ i ti hi tl bl h tli t i l il bl t t l

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  • EIIA’s existing whistleblower hotline, not previously available to travelers
  • Note! Not all EIIA member institutions use CCH

Collect call number to InTouch from abroad 1-612-767-1341 Institution Property Coverage

  • DOES NOT COVER PERSONAL BELONGINGS, student or staff
  • Does not cover real estate, owned or rented
  • Intended for special equipment in transit – cameras, scientific equipment, etc
  • $25,000 limit, $2,500 deductible

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International Program – What Drives Claims? te at o a

  • g a

at es C a s

TOP 10 LOSSES, COST/CLAIM TOP 10 LOSSES, FREQUENCY

  • Eye injury
  • Vehicle-related

,

  • Gastro-intestinal
  • Infection/Inflammation
  • Mental Health
  • Heart-related
  • Allergies
  • Strains/Sprains/Bone breaks/Cuts
  • Tropical Illnesses
  • Mental Health

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  • Blood clots
  • General Liability
  • Infection/Inflammation

e ta ea t

  • Organs
  • Allergies
  • Animals/Bugs
  • Stroke
  • Cyst

Animals/Bugs

  • Assault
  • Vehicle-related

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Incurred total for 105 Claims, March 2012 – July 2014

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International Program – Can You Screen? g

Legal Considerations?

  • Americans with Disability Act (ADA) – Cannot deny participation based
  • n a disability
  • HIPAA / FERPA requirements probably don’t apply in this situation

What Can You Ask?

  • Do you require reasonable accommodation?
  • Waiver for International Travel (located on EIIA website)
  • Longer trips: consider a “Certification for Travel” questionnaire

Action Plan

  • Add waiver language, accommodation request into pre-trip orientation
  • Pre-trip preparation: identify health providers abroad
  • Travelers notify home doctor, arrange to call/Skype if needed (no covg)

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International Program – The ACA

Affordable Care Act (ACA, aka Obamacare)

  • Travel coverage is NOT routine medical care

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  • Travel coverage is NOT routine medical care
  • Travel coverage is NOT governed by the ACA, nor compliant with ACA

requirements for personal health insurance.

  • If students do not continue ACA-compliant coverage, they may be liable for

If students do not continue ACA compliant coverage, they may be liable for Individual Shared Responsibility payment (IRSP). Good to know:

  • 1. Short-coverage gap exemption: > 3 months per 12-month period
  • 2. Living abroad < 330 days/12 month satisfies min coverage
  • 3. ISRP : the greater of 1% income above filing threshold; or

$ $ $ $95/adult and $47.50/child (max $285/family)

Capped at the national average premium for a bronze plan in the Marketplace.

EIIA recommends that your travelers maintain their personal health insurance

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EIIA recommends that your travelers maintain their personal health insurance.

Source: irs.gov

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Thank you and we are happy to answer your Thank you, and we are happy to answer your questions!

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