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Student Travel Insurance Requirements
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TITLE | 1 Student Travel Insurance Requirements Kate Hoeppel, Senior Supervisor, RI
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Transcript of Student Travel Insurance Requirements
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Student Travel Insurance RequirementsKate Hoeppel, Senior Supervisor, RI
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Why do we care about insurance?
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Minimum Coverage Requirements (RCOP 41.060.11)
– 24 hour, door-to-door– Valid in all countries during exchange– 24 hour emergency assistance– US$100,000 – medical, dental– US$100,000 – accidental death, dismemberment,
or disability– US$50,000 – transport or evacuation (medical
emergency)– US$50,000 – repatriation of remains– US$50,000 – transport or evacuation (non-medical
emergency)– US$500,000 – personal liability
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Resources & Reviews
The Insurance Working Group– Established to provide assistance
regarding student travel and medical insurance
– Members from North America, Europe, South America, Australia
– Contact details can be found in the YEO Directory
RI Insurance Reviews - new!– Through recertification and on an ad-hoc
basis– List of reviewed insurance policies can be
found in YEO Directory
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RI Insurance Reviews (now available in YEO Directory)
Program Name Districts Broker and/or Insurer
Date of RI Review Demonstrating Compliance
Italian Youth Exchange Multidistrict Program
2031, 2032, 2050, 2060, 2071, 2072, 2080, 2090, 2100, 2110, 2120
ACE European Group Ltd 15-May-2014
South Central Rotary Youth Exchange Program (SCRYE)
5080, 5390, 5500, 5510, 5520, 5610, 5630, 5650, 5670, 5690, 5710, 5730, 5750, 5770, 5790, 5810, 5830, 5840, 5870, 5890, 5910, 5930, 5970, 6000, 6040, 6060, 6080, 6110, 6150, 6170, 6190, 6200, 6760, 6800, 6820, 6840, 6860, 6880
CISI-Bolduc 25-Jul-2014
Rotary Youth Exchange Australia (RYEA)
9455, 9465, 9500, 9520, 9550, 9570, 9600, 9630, 9640, 9650, 9670, 9675, 9685, 9700, 9710, 9780, 9790, 9800, 9810, 9820, 9830
ACE 25-Jul-2014
Rotary Youth Exchange Florida, Inc. (RYE Florida)
6890, 6930, 6940, 6950, 6960, 6970, 6980, 6990 CISI-Bolduc 21-Aug-2014
Rotary Youth Exchange D5190 5190 CISI-Bolduc/ACE 8-Dec-2014
Rocky Mountain Rotary Youth Exchange 5450 CISI-Bolduc/ACE 8-Dec-2014
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RI Insurance Reviews (now available in YEO Directory)
Program Name Districts Broker and/or InsurerDate of RI Review Demonstrating Compliance
Rotary International District 9400 9400 Global Benefits Group 15-Jan-2015
Multidistrict Youth Exchange Program (Germany)
1800, 1810, 1820, 1830, 1841, 1842, 1850, 1860, 1870, 1880, 1890, 1900, 1940, 1950
HanseMerkur Reiseversicherung AG 17-Apr-2015
Rotary District 2041 and 2042 2041, 2042 ACE European Group
Ltd 20-Apr-2015
Rotary International Japanese Youth Exchange Committee (RIJYEC)
2500, 2510, 2520, 2530,2540, 2550, 2560, 2570, 2580, 2590, 2600, 2610, 2620, 2630, 2640, 2650, 2660, 2670, 2680, 2690, 2700, 2710, 2720, 2730, 2740, 2750, 2760, 2770, 2780, 2790, 2800, 2820, 2830, 2840
Japan's National Health Insurance (NHI), JI Accident & Fire Insurance Co. Ltd, and the Japan Travel Bureau (JTB)
19-May-2015
Southern California/ Nevada Rotary International Youth Exchange (SCANEX)
5000, 5240, 5280, 5300, 5320, 5330, 5340, 5420, 5490
CISI-Bolduc
01-Jun-15
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Common Questions & Challenges
My partner district says my students have to buy their insurance…. do they?
– Host district must approve of coverage• They know what local hospitals/medical providers will
accept
– Coverage must meet or exceed RI minimum requirements• They may require additional coverage based on local needs• If local laws require that certain coverage be purchased, a
“gap” policy may be necessary
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Common Questions & Challenges
I just found out that the coverage that my district recommends does not meet RI requirements. …What do I do?
– Talk to your insurance broker • These requirements have been met in many countries! • You may combine different policies to meet the
requirements, if necessary
– Contact the Insurance Working Group for assistance in working with your broker• Currency fluctuations are unavoidable
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Common Questions & Challenges
Why can’t we have a global travel insurance policy to cover all students on Rotary Youth Exchange?
– A survey was conducted in 2011: the majority of districts would only support a global policy if it was voluntary
– Local insurance/nationalized healthcare would still be required in certain areas
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Resources
• Check the Directory– List of reviewed insurance policies can be
found in YEO Directory
• Contact the Insurance Working Group– Contact details can be found in the YEO
Directory
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Questions?
