An Easy Insurance Solution for institutions sponsoring Exchange Visitor programs
We know that arranging insurance for Exchange Visitors is not always a simple process. Insurance for medical evacuation and repatriation is a requirement for all participants in Exchange Visitor (J-1) programs and some health plans do not provide this coverage. This can cause sponsors to experience concerns about compliance or coverage gaps. Gateway Global Reach provides a simple solution to this challenge.
Gateway Global Reach is an annual, renewable group insurance plan that provides medical evacuation and repatriation coverage. The Plan is designed to help institutions ensure compliance with government mandates. Gateway Global Reach offers a simple way to obtain the required insurance coverage. A sponsoring institution can submit one Application for all Exchange Visitors needing coverage throughout the year. It's that simple!
Advantages
For The Sponsor
- guarantees coverage for all who need it
- significantly reduced cost
- eliminates compliance monitoring
- simple application process
- dependents covered at no extra cost
For The Exchange Visitor
- eliminates search for coverage
- easy access to insurance at low cost
- fulfills regulatory requirements
Plan Features and Limits
- Emergency Medical Evacuation: $25,000
- Repatriation of Remains: $10,000
- Worldwide Travel & Medical Assistance Services: Included
How It Works
Think of the plan as a supplement to the health insurance plan. Gateway Global Reach is an annual plan providing coverage for any number of Exchange Visitors-from a very few up to hundreds or more. It is a simple plan to implement and ensures compliance. It can be implemented for a department, a specific program, a school, or on an institution/corporate-wide basis.
What It Costs
The annual cost for Gateway Global Reach is determined by how many exchange visitors could be insured during the year. The total number of expected exchange visitors will fall within a specific numeric range. That numeric range is established with a corresponding annual premium. For example, the annual group premium for 25-50 exchange visitors is $400. For this example, an illustrative annual cost per person is as low as $7 up to $14.
Refer to the Application Form which contains the rate chart.
Description of Coverage
Emergency Medical Evacuation
If Injury or Illness requires emergency evacuation, the Plan will pay for covered expenses incurred up to the maximum of $25,000. An emergency medical evacuation must be ordered by a licensed attending physician who certifies that the severity of Injury or Illness necessitates such emergency evacuation.
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 their Home Country to obtain further medical treatment or to recover or (c) both (a) and (b).
If an Insured Person is hospitalized for more than 7 days and is receiving care outside the Home Country, the Plan will pay up to the cost of round-trip economy airfare to bring a person chosen by the Insured Person to and from his/her bedside, if the Insured Person is not accompanied by immediate family.
Repatriation of Remains
If Injury or Illness results in death, all reasonable expenses incurred for preparation and return of the remains to the Home Country are covered up to a maximum of $10,000.
All arrangements must be made through the Assistance Services provider, AIGAssist.
Exclusions
For Emergency Medical Evacuation and Repatriation, this insurance does not cover expenses incurred as a result of or in connection with:
a) declared or undeclared war, or any act thereof;
b) injury sustained while participating in professional sports;
c) intentionally self-inflicted injury, suicide while sane or attempted suicide while insane;
d) commission of a felony;
e) pregnancy, except complications of pregnancy;
f) alcoholism or drug addiction.
Travel and Medical Assistance Services
The assistance services described below are provided by AIGAssist. Multilingual representatives provide services that can be accessed 24 hours a day, 7 days a week. These services not only support the Insured Person, but also support family members and representative(s) of the sponsoring institution. AIGAssist services include:
- arranging telephone conferences between attending and home physicians;
- relaying emergency messages to family and employer during medical emergencies;
- arranging evacuation for catastrophic claims;
- arranging medical transportation home after treatment;
- arranging transfer of medical records; and
- arranging repatriation of remains in the event of death.
- Plan Underwriter
The Gateway Plans are underwritten by the Insurance Company of the State of Pennsylvania, a Pennsylvania insurance company, with its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19429. The Insurance Company of the State of Pennsylvania is a member of the American International Group of Companies (AIG).