Designed Expressly for Student Travelers
The GatewayConnexions Study Abroad program is designed with the needs of traveling students in mind. The GatewayConnexions Study Abroad program is available to outbound US students and provides accident and sickness coverage for the duration of the program. The plan provides important international medical coverage that includes maternity and mental health and substance abuse coverage. The plan also provides the required emergency medical evacuation and repatriation of remains that is not covered by most domestic plans.
Effective Date of Insurance
Coverage for Accident & Sickness will begin on the latest of the following:
- The moment of departure from the Insured Person’s Home Country or Country of Permanent Residence;
- The date the Application and premium are received by the Company or it’s designated representative; or
- The date requested in the Application.
Coverage for Travel Benefits will begin on the latest of the following:
- The date the Application and premium are received by the Company or it’s designated representative; or
- The date requested in the Application.
Termination of Insurance
Coverage will end on the earliest of the following:
- The Insured Person's return to his or her Home Country or Country of Permanent Residence;
- The moment the Insured Person leaves for a location outside the United States; or
- The date requested in the Application for which premium has been paid.
The minimum period of coverage is one (1) month; maximum initial or renewal term is twelve (12) months, up to a total of sixty (60) consecutive months, at the premium rate in force at the time of renewal.
Insurance can be renewed provided the Insured Person continues to meet the Plan’s eligibility requirements, and the Participating Organization receives the request for renewal and premium payment prior to or on the Policy Expiration Date of the current Policy Term.
The minimum renewal term is one (1) month; maximum renewal term is twelve (12) months. Insurance may be renewed up to a maximum total of sixty (60) consecutive months, at the current premium rate in force at the time of renewal.
Accidental Death and Dismemberment
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Principal Sum: $10,000
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| Loss of Life |
The Principal Sum
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| Loss of Two or More Members |
The Principal Sum
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| Loss of One Member |
One-Half the Principal Sum
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"MEMBER" means Hand, Foot, or Eye.
Loss means with regard to hand or foot, actual severance through or above the wrist or ankle joint, and with regard to eye, entire and irrecoverable loss of sight.
Only one benefit, the largest to which you are entitled, will be paid for losses resulting from the same accident.
Medical Benefits - Accident and Sickness
Accident Sickness Medical Benefit: $150,000.
Initial treatment of an Injury must occur within 30 days of the accident or during the period of coverage, whichever is earlier. Illness must first manifest itself during the period of coverage.
For covered expenses during any one period of individual coverage, excess of a $50 deductible per incident.
| In Hospital Medical Services |
100% of covered expenses to $10,000;
80% thereafter.
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| In Hospital Surgical Services |
100% of covered expenses to $10,000;
80% thereafter.
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| Out of Hospital Medical Expenses |
100% of covered expenses to $10,000;
80% thereafter.
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Eligible expenses are subject to the following sub-limits:
- Pregnancy/Childbirth/Miscarriage: Maximum of $10,000 per 12 months of coverage. Benefits are only available if the enrollment has occurred at least 30 days prior to conception.
- Therapeutic termination of pregnancy: up to $500 max per incident
- Dental Treatment: Repairs to sound natural teeth due to an Injury; 100% to a maximum of $250 per tooth.
- Outpatient Prescription Drugs: 50% of actual charge
- Physiotherapy: In-patient treatment only
- Psychotherapy: The treatment of mental disorders, nervous disorders, alcoholism, and drug addiction:
- Inpatient: $2,500 lifetime max
- Outpatient: $500 lifetime max
- Pre-Existing Conditions: 12 months
- ICU: $1,000 per day maximum
- Ambulance Service, for transportation to or from a hospital: $250 per Injury/sickness
The deductible is the dollar amount of covered expenses which must be incurred as an out-of-pocket expense by each Insured Person, for any one disablement.
For the purpose of this section, only such expenses, incurred as the result of and within 26 weeks of a disablement, which are specifically enumerated in the following list of charges, and which are not excluded in Exclusions, shall be considered as covered expenses. Eligible expenses attributed to a covered pregnancy will be paid until the Insured Person is no longer pregnant.
Medical Benefits - Accident and Sickness
- Charges made by a Hospital for room and board, floor nursing and other services, including charges for professional services, except personal services of a non-medical nature, provided, however, that expenses do not exceed the Hospital's average charge for semi-private room and board accommodation, or two (2) times the average semi-private room charge if confinement to an intensive care unit is required, or the actual charge for an intensive care unit made by the servicing Hospital, whichever is less;
- Charges made for diagnosis, treatment and surgery by a Physician;
- Charges made for the cost and administration of anesthetics;
- Charges for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical treatment;
- Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist;
- Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owing to the unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond the control of the Insured Person;
- Dressings, drugs, and medicines that can only be obtained upon written prescription of a Physician.
The charges enumerated above shall in no event include any amount of such charges which are in excess of regular and customary charges. A charge incurred by an Insured Person shall be deemed a regular and customary charge for the services and supplies for which the charge is made if it is not in excess of the average charge for such services and supplies in the locality where received, considering the nature and severity of the Illness or bodily Injury in connection with which such services and supplies are received. If the charge incurred is in excess of such average charge such excess amount shall not be recognized as Covered Expenses. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained.
Emergency Medical Evacuation
Emergency Medical Evacuation provides up to $100,000. for transportation of an Insured Person from a location having inadequate medical facilities to treat the Insured Person's condition to a facility which does.
Repatriation of Remains
Up to $20,000. will be paid for the return of the remains of any Insured Person to the Country of Residence in the event the Insured Person dies while this policy is in effect.
Bedside
To bring one person chosen by the Insured Person to and from the medical facility where the Insured Person is confined if the Insured Person is alone and is hospitalized following a covered Emergency Evacuation. The Insurer will pay for expenses to bring one person chosen by the Insured Person. The payment will not to exceed the cost of one round-Trip economy airfare ticket not to exceed $1,500.
Assistance Services
Travel assistance services are provided by AIG Assist who have travel assistance centers located throughout the world and are staffed 24 hours a day, 7 days a week with multilingual representatives.
Travel assistance coverage is applicable when the Insured Person is traveling outside the Insured Person's country of residence or outside a 100 mile radius of his place of permanent residence, whichever is less.
Policy Exclusions
The Accidental Death and Dismemberment coverage does not cover any loss, fatal or non-fatal, caused by or resulting from:
- suicide or any attempt thereat by the Insured Person while sane or self destruction or any attempt thereat by the Insured Person while insane;
- disease of any kind;
- bacterial infections except pyogenic infection which shall occur through an accidental cut or wound;
- hernia of any kind;
- Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device for aerial navigation, except as provided in Part B of Section II, Definition of Injury and Scope of Coverage;
- declared or undeclared war or any act thereof;
- service in the military, naval or air service of any country.
Medical Exclusions
No benefits shall be payable for medical expenses provided by this Plan with respect to expenses incurred:
- Pre-existing conditions, defined as any Injury or illness which was contracted or which manifested itself, or for which a licensed physician was consulted, or for which treatment or medication was prescribed prior to the effective date of this insurance;
- For services, supplies or treatment, including any period of hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a physician;
- For suicide or any attempt thereat while sane or self destruction or any attempt thereat while insane;
- Declared or undeclared war or any act thereof;
- For Injury sustained while participating in professional, interscholastic, sponsored scholastic, amateur, intercollegiate, community athletics;
- For fertility testing or elective abortion;
- For routine physical or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a physician;
- For cosmetic or plastic surgery, except as the result of an accident;
- For elective surgery which can be postponed until the Insured Person returns to his/her country of residence;
- For any mental and nervous disorders or rest cures except as provided;
- For dental care including treatment to the teeth, gums, jaw or structures directly supporting the teeth, including surgical extractions of teeth, TMJ dysfunction or skeletal irregularities of one or both jaws including orthognathia and mandibular retrognathia, unless caused by accidental bodily Injury incurred while insured hereunder;
- For eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye glasses or for the fitting thereof and surgery for the correction of refractive error, unless caused by accidental bodily Injury incurred while insured hereunder;
- In connection with alcoholism and drug addiction, or use of any drug or narcotic agent;
- For congenital anomalies and conditions arising out of or resulting there from;
- For expenses which are non medical in nature;
- For the ordinary cost of a one-way airplane ticket used in the transportation back to the Insured Person's country where an air ambulance benefit is provided;
- For expenses as a result or in connection with intentionally self-inflicted Injury;
- For expenses as a result of or in connection with the commission of a felony offense;
- For specific named hazards: scuba diving; snow sports, including but not limiting to skiing of any kind and snowboarding; mountain climbing; sky diving; professional or amateur racing; piloting any aircraft; rock-climbing; caving; ice-climbing; parasailing; paragliding; bungee jumping; hot air ballooning; trampoline jumping; extreme sports; motorcycle riding;
- Treatment paid for or furnished under any other individual or group policy, or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual;
- Expenses incurred in excess of regular and customary charges;
- Organ or Tissue transplant;
- Expenses incurred in the within the Insured Person’s Home Country;
- Expenses incurred in connection with weak, strained or flat feet; corns; or calluses;
- Diagnosis and treatment of acne and sebaceous cyst;
- Outpatient treatment for Physiotherapy, and acupuncture;
- Deviated nasal septum, including submucus resection and/or surgical correction, unless treatment is due to or arises from an Injury;
- Expenses incurred as a result of a motor vehicle accident if the Insured Person operated the vehicle without a proper licenses in the jurisdiction where the accident occurred;
- Expenses incurred as a result of a pregnancy that is not covered.
Aggregate Limit of Liability
$250,000 per occurrence
Term of Coverage
Annual Term - To Be Determined