|
|
|
Frequently Asked
Questions
|
-
How do I
contact the Claims Office?
AIGCS -1-800-551-0824
Click here for more information
about claims
Back to Top
-
How do
I contact AIG Assist?
Call: 24-Hour Service:
1-800-626-2427
Call Collect: 0-713-267-2525
Please provide your ID Number to
obtain service.
Back to Top
-
Is there a
Plan option for Students?
PLAN
S
Please review the coverage information
to be sure the Plan you choose meets your
student/university and/or visa requirements.
All plans are designed to meet the requirements of
most Universities and federal requirements.
Students - The NEW VISIT Student
Plan S, effective June 1, 2008, is for
undergraduate
and graduate students holding a J1 or F1 visa, 17 to 26 years of
age inclusive, who are traveling to the United States and are
currently enrolled in an accredited institution of
higher learning on a full-time basis with no less
than 6 credit hours, unless institution’s
full-time status requires less credit hours.
Scholars
- Scholars
working with or for an accredited educational institution
are generally exempt from the minimum (i.e. Student)
credit-hour requirement, and thus are eligible for any VISIT
Plan S, AB, CD, and E. Please note that if maternity
coverage
is not desired, students and scholars are also eligible for
Plan E, with an annual rather than per occurrence
deductible, for approximately the same price as Plan AB.
Outgoing VISIT Plans are open to all US citizens
traveling abroad.
- Starting July 1,
2008, the following eligibility requirements are in
effect:
Plans
AB and CD
Students
- All
student participants of the age 69 and under who are
traveling to the United States and are currently
enrolled in an accredited institution of higher
learning on a full-time basis with no less than 6
credit hours, unless institution’s full-time
status requires less credit hours.
Scholars
- Scholars
working with or for an accredited educational institution
are generally exempt from the minimum (i.e. Student)
credit-hour requirement, and thus are eligible for any VISIT
Plan S, AB, CD, and E. Please note that if maternity
coverage
is not desired, students and scholars are also eligible for
Plan E, with an annual rather than per occurrence
deductible, for approximately the same price as Plan AB.
Eligible
Spouses -
means the Insured’s legal spouse who is age 69
and under.
Eligible
Dependent Children -
means the Insured’s unmarried children, including
natural, step, foster or adopted children from the
moment of placement in the home of the Insured, who
are over 30 days old and under age 18 and primarily
dependent on the Insured for support and
maintenance.
Plan
E
VISIT's Plan E is open to any non-US citizen
traveling to the US and their family-members
traveling with them, all under the age of
sixty-nine.
Back to Top
-
What is a
Deductible?
For a covered medical expense, the Deductible is the
portion of your medical bill that is your
responsibility. The Deductible per occurrence
will first be subtracted from the total medical bill.
The remaining amount will then be multiplied by the
coinsurance (80%) to arrive at the amount which must
be paid by the insurer and the amount which remains
the responsibility of the insured.
Back to Top
-
What is a
Per Occurrence Deductible?
A per occurrence
deductible means:
an
illness or accidental bodily injury necessitating
medical treatment by a physician as defined in this
policy. All bodily injuries sustained in any one
accident shall be considered one disablement, all
bodily disorders existing simultaneously which are due
to the same or related causes shall be considered one
disablement. If a disablement is due to causes which
are the same or related to the cause of a prior
disablement (including complications arising
therefrom), the disablement shall be considered a
continuation of the prior disablement and not a
separate disablement.
Back to Top
-
What is AIG
ASSIST-Travel Assistance Services?
Pre-Trip
Assistance
- Telephone
information about passports, visas
- Telephone
information about health hazards in remote
areas
- Telephone
information about inoculations
- Help in
arranging special medical treatment facilities
needed while traveling.
|
Medical
Assistance While Traveling
- 24-Hour
telephone contact for travel medical
emergencies-help in locating medical care
- Arranging
telephone conferences between your attending
and home physicians.
- Arranging
second medical opinions in hospital cases
- Relaying
emergency messages to family and employer
during medical emergencies
- Guarantee or
payment of medical bills using your available
financial resources
- 24-Hour
ticketing service to arrange family visits
- Arranging
emergency medical evacuation from medically
underserved areas
- Arranging
evacuation for catastrophic claims
- Arranging
medical transportation home after treatment
- Arranging
escorts and transportation for unaccompanied
children
- Arranging
transfer of medical records
- Arranging
repatriation of remains for deceased travelers
- Notify your
health insurer of a claim.
|
Legal
Assistance While Traveling
- 24-Hour
telephone contact for travel legal emergencies
- Help in
locating a consulate officer or attorney
- Guarantee or
payment of legal bills using your financial
resources
- Relaying
emergency messages between family, employer
and attorneys
|
General
Travel Assistance
- 24-Hour
telephone contact for baggage and other travel
problems
- Advice on
handling losses and delays
- Follow-up
contact with airlines regarding baggage
- Help with lost
passports, ticket, and documents
- Guarantee or
payment of emergency expenses using your
available financial resources
- Arranging
shipments of forgotten, lost or stolen items
- Relaying
emergency messages
Back to
Top
|
-
What
is VISIT's Cancellation Policy?
All premiums are fully earned
upon Application, and are Non-Refundable. Please apply
only for the term of coverage you need, and re-apply
as necessary as your plans may change.
Back to Top
-
Who
Underwrites the VISIT Plans?
VISIT Travel & Medical Insurance
policies are
Underwritten by
The Insurance Company of the State of
Pennsylvania, a member company of the American
International Group of Companies (AIG) and is rated
A+ “Superior” by the A.M. Best Company.
Covered medical benefits will be paid by the
Underwriter.
Plan Administrator/Broker:
The VISIT Travel & Medical Insurance
Program is an Insurance program of
PENTECO, LLC.
Back to Top
-
What is the Maximum Age that the plan will cover?
The VISIT Plans
A- E are for persons traveling abroad and their
family members traveling with them, 69 years of age
and younger. Additional coverage is available for
persons 70-80 years of age. Please call 1-800-247-5575
for premium rates or
Click Here for additional program options.
The VISIT Student
Plan is for undergraduate
students holding a J1 or F1 VISA, 17 to 26 years of
age, who are traveling to the United States and are
currently enrolled in an accredited institution of
higher learning on a full-time basis with no less
than 6 credit hours, unless institution’s
full-time status requires less credit hours.
Back to Top
-
Are sports
covered by the plan?
The VISIT Plan does not
cover professional or extreme/ hazardous sports. Looking for Extreme and Hazardous Sports Coverage?
Click
Here
Back to Top
-
What are the U.S. State Department Medical Insurance
Requirements?
The U.S. State Department
Insurance Requirements for Exchange Visitors [22 CFR
62.14] are:
Minimum coverage shall
provide:
- Medical benefits of at least
$50,000 per accident or illness;
- Repatriation of remains in the
amount of $7,500;
- Expenses associated with the
medical evacuation of the exchange visitor to his
or her home country in the amount of $10,000; and
- A deductible not to exceed $500
per accident or illness.
For more information contact the US State
Department
http://exchanges.state.gov/education/jexchanges/administration.htm
Back to Top
-
Common
Policy Terms and Definitions
Hospital
- A facility
that: (1) is operated according to law for the care
and treatment of injured people; (2) has organized
facilities for diagnosis and surgery on its premises
or in facilities available to it on a prearranged
basis; (3) has 24 hour nursing service by registered
nurses (R.N.’s); and (4) is supervised by one or more
Physicians. A Hospital does not include: (1) a
nursing, convalescent or geriatric unit of a hospital
when a patient is confined mainly to receive nursing
care; (2) a facility that is, other than incidentally,
a rest home, nursing home, convalescent home or home
for the aged; nor does it include any ward, room,
wing, or other section of the hospital that is used
for such purposes; or (3) any military or veterans
hospital or soldiers home or any hospital contracted
for or operated by any national government or
government agency for the treatment of members or
ex-members of the armed forces.
Immediate Family Member
– A
person who is related to the Insured in any of the
following ways: spouse, brother-in-law, sister-in-law,
son-in-law, daughter-in-law, mother-in-law,
father-in-law, parent (includes stepparent), brother
or sister (includes stepbrother or stepsister), or
child (includes legally adopted or stepchild).
Illness
– Sickness or disease of any kind contracted and
commencing after the effective date of this policy and
causing loss covered by this policy.
Injury
- Bodily
injury caused by an accident that: (1) occurs while
this Policy is in force as to the person whose injury
is the basis of claim; (2) occurs while such person is
participating in a Covered Activity; and (3) results
directly and independently of all other causes in a
covered loss.
Physician
- A
licensed practitioner of the healing arts acting
within the scope of his or her license who is not: 1)
the Insured; 2) an Immediate Family Member; or 3)
retained by the Policyholder. Such definition will
exclude chiropractors and physiotherapists.
Usual,
Customary and Reasonable Charge (UCR)
means the payment amount, as determined by
the Company, for services rendered by a professional
provider.
The Company (AIG) reserves the right of final
determination of the amount payable for any service
or supply.
The
following is the basis for determination of UCR:
Usual
- an amount a professional provider usually charged
for a given service.
Customary
– an amount which falls within the range of
charges for a given service billed by most
professional providers in the same locality who have
similar training and experience.
Reasonable
– am amount which is usual and customary or which
would not be considered excessive in a particular
case because of unusual circumstances.
If
the charge is in excess of UCR, no payment will be
made with respect to the excess, and the excess will
not qualify as a Covered Expense under the Policy.
Back to Top
- How do I RENEW by
Policy?
If
you are RENEWING, please complete the application form
and mark Yes for RENEWAL. You may also RENEW
over the phone for faster service.
Back to Top
-
Do you have
a Currency Converter?
Yes, Click here to use a free currency converter
Currency Converter
Back to Top
|
|
