Accident & Sickness Plan Highlights

Over many years we have developed a plan for both inbound and outbound students to be administered on a mandatory basis in a group format.  This eliminates the need for individual enrollment forms by having enrollment data submitted to us in a roster format.  Premium is collected also in a group format.  The plan is written on an excess basis and therefore fills the gaps left in American student's plans while fullfilling the needs of international students coming to the US.  By spreading the risk, overall premium has sucessfully been held to very competitive levels.

The following is a brief example of our plan beginning on January 1, 2007.  Check your coverage description for the plan selected by your Rotary Youth Exchange District or Multi-District organization for complete benefit descriptions, exclusions and limitations.  We also have the flexibility to design other plan configurations to suit special requirements felt necessary.

Sample Plan

Accidental Death & Dismemberment   

Principal Sum: $20,000

Time Period for Accident:   365 days from the date of a Covered Accident.

Medical Expense Benefits

Maximum per Injury or Sickness:   $500,000

Maximum Benefit Period:     52 weeks after the date of a Covered Accident or Sickness.

     For Covered Services incurred due to Injury:

         Deductible:

              For the first $5,000 of Covered Services:  $25 per Injury.
              For charges in excess of $5,000:  $100 per Policy Term.

         Co-insurance Rate:

             For the first $5,000 of Covered Services:  100% of the Usual and Customary 
             Charges.

             For charges in excess of $5,000:  80%* of the Usual and Customary Charges.

     For Covered Services incurred due to Sickness:

            Deductible per Policy Term:  $100 per Policy Term.

            Co-insurance Rate:  80%* of the Usual and Customary Charges.

            *  For All Covered Services due to Injury or Sickness, All Covered Medical
            Expenses will be paid at 100% when the Insured’s out-of-pocket expenses
            exceed $2,500.

     For Hospital Room and Board Services, Maximum Benefit:  the average semi-private
     room rate.

     For Chiropractic Services:
          Co-Insurance Rate:  80% of the Usual and Customary Charges.
          Maximum per visit:  $35
          Maximum number of visits:  10 visits.

     For Mental and Nervous Disorder Services: for one hospital stay up to a Maximum of
     60 days or until the Insured returns to his/her Home Country.

Emergency Medical Evacuation Benefit

     Benefit Maximum:  100% of the Usual and Customary Charges.

Repatriation of Remains Benefit

     Benefit Maximum:  100% of the Usual and Customary Charges.
 
Emergency Reunion Benefit

     Total Benefit Maximum:  $12,500
     Daily Benefit Maximum:      $300
     Maximum Number of days:  10 days
     Family Travel Arrangements Benefit:  $2,500 for one round trip travel to accompany 
     remains home.

Emergency Assistance

In addition to this accident and sickness insurance progam is the availbility of the 24-hour assistance network for emergency assistance anywhere in the world.  In the event of a medical emergency, seek medical care as soon as possible. Call Europ Assistance USA at 800-546-6349 or call direct or collect to 202-659-7785. This international assistance call center is located in Washington, DC.  EA USA must be involved in any events that require Emergency Medical Evacuation, Emergency Reunion, Repatriation or Trip Interruption.  For more details click on the Worldwide Assistance tab on the left of this page.

for a complete sample Accident & Sickness plan description, click here

Personal Liability Rider Plan Highlights

The Personal Liability Rider is available to add on a group basis to the Accident & Sickness plan.

A.  Personal Liability Insurance Coverage :

          Maximum Benefit per Claim:                                                              $100,000

          Deductible per Claim:                                                                              None

          Aggregate Limit per Insured:                                                              $200,000

B.  Medical Payments Coverage:

          Limit per Coverage Period:                                                                    $5,000

C.  Additional Living Expense Coverage :

          Limit per Coverage Period:                                                                    $5,000

D.  Payment of Deductible Under Homeowner's Insurance Coverage       $1,000

For a complete sample Personal Liability plan description, click here

CMI Insurance

Contact CMI by calling 800-677-7887 or 410-583-2595, FAX 410-583-8244 or email using the About CMI section or the Contact Us tab at the top of this page.

To go to the CMI Homepage to view our other products for international insurance coverages, click here.