EIIA International Program EIIA Vision Review Kelly Cronin Associate Director P&C, EIIA August 21, 2014
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 Susan Fontaine 888-260-7396 Sr. VP, Navigators Global kcronin@eiia.org 2
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 Aircraft K & R Int’l GL, Auto, Political/ CCH (NOA) (standalone) Medical Disaster Evac. (InTouch) StarNet Insurance Company 3
International Program – Effective through 8/1/15 EIIA FrontierMEDEX ID # 352191 Call Collect International Call Collect International 1-410-453-6330 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) p p ( g q ) 4
International Prog. – Employee Foreign Protection Section I Foreign Voluntary Compensation Statutory benefit, location of hire Section II Section II Employers Liability Employers Liability $1 000 000 limit for damages $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) *Travelers are not covered in their own countries. 5
International Program – EFP (cont.) g ( ) What: • Emergency Accident & Sickness • Emergency Accident & Sickness $100 000 / person $100,000 / person • Emergency Medical Evacuation* $1,000,000 / person and /policy • Deductible $250 / incident • Pre-Existing Condition Limit P E i ti C diti Li it $3 000 / $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 6
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 g $1,000,000 • Personal & Advertising Injury $1,000,000 • Medical Expense Limit $50,000 • Crisis Communication Mgmt Crisis Communication Mgmt. $25 000 $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 7
International Program - Auto g • Liability Limit $1,000,000 / accident • • Medical Expense Limit Medical Expense Limit $25 000 $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 Deductible, Comprehensive or Collision tibl C h i C lli i $1 000 / $1,000 / auto t Liability Comprehensive Collision O ned A tos Owned Autos Hired Autos Non-Owned Autos EIIA requires that your travelers always purchasing local rental insurance. 8
International Program - What ISN’T covered? g • 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 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 9
International Program – New This Year g Campus Conduct Hotline (CCH) • EIIA’s existing whistleblower hotline, not previously available to travelers EIIA’ i ti hi tl bl h tli t i l il bl t t l • 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 10
International Program – What Drives Claims? te at o a og a at es C a s TOP 10 LOSSES, COST/CLAIM TOP 10 LOSSES, FREQUENCY , • Eye injury • Gastro-intestinal • Vehicle-related • Infection/Inflammation • Mental Health • Strains/Sprains/Bone breaks/Cuts • Heart-related • Tropical Illnesses • Allergies g • Mental Health e ta ea t • Blood clots • Organs • General Liability • Allergies • Infection/Inflammation • Animals/Bugs Animals/Bugs • Stroke • Assault • Cyst • Vehicle-related Incurred total for 105 Claims, March 2012 – July 2014 11
International Program – Can You Screen? g Legal Considerations? • Americans with Disability Act (ADA) – Cannot deny participation based on 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) 12
International Program – The ACA g Affordable Care Act (ACA, aka Obamacare) • • Travel coverage is NOT routine medical care 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 EIIA recommends that your travelers maintain their personal health insurance. Source: irs.gov 13
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