This brochure is a brief description of Liaison Traveler. A complete description is contained in the Program Summary, which will be mailed to you together with your ID Card after SRI receives your completed application and correct ppremium.
NOTE - This plan does not offer medical coverage. For a comprehensive international medical program, contact Stephen Hammond-Parker (61 2) 9905 7844 or Click here to Contact FBTC by E-mail
Liaison Traveler provides coverage for persons traveling outside their Home Country. If you will be traveling outside of your Home Country, the program will provide coverage for you, your spouse, and your unmarried dependent children (over 14 days and under 19 years of age, or under 25 years of age if they are attending an accredited institution of higher learning on a full-time basis and wholly dependent upon the Insured for support and maintenance.)
Home Country (or Country of Residence) is defined as - The country where an eligible person(s) has his/her true, fixed and permanent home and principal establishment, and to which he/she has the intention of returning.
PERIOD OF COVERAGE
There are three coverage period options for Liaison Traveler, a three-month, a six-month, and a twelve-month coverage period. During the coverage period, the insured persons will be covered anytime they are outside their Home Country or Country of Residence (unlimited number of trips).
Effective Date - Your coverage will begin on the latest of the following:
1. The date your Application and premium are received by SRI; or
2. The date you request on the Application.
Expiration Date - Your coverage will end either Three, Six or Twelve months after the Effective Date (depending upon the coverage period chosen). If you choose, coverage can be easily rewritten.
Liaison Traveler has two different programs that can be purchased together or separately (the Standard Upgrade Options must be purchased along with the Standard Program) to address the various needs of the international traveler.
This is the base program offered to international and frequent travelers. Maximums listed are per policy period. Upgrade Options are available and described below.
|Emergency Medical Evacuation||US$100,000|
|Repatriation of Mortal Remains||US$20,000|
|Return of Minor Child||US$5,000|
|Accidental Death & Dismemberment (AD&D)||US$100,000|
|Political Evacuation and Repatriation||US$10,000|
|International Assistance Services||Included|
|Increase AD&D Limits. The benefit for AD&D can be increased from the US$100,000 limit to a maximum of US$500,000 for the Primary Insured. AD&D for spouses and dependents is limited to the amounts listed under the Description of Benefits.|
Personal Liability Program
(This program may be added to the Standard Program or may be purchased separately. This benefit is only available to persons while traveling outside the United States.)
The Company will indemnify the Insured Person for legal liability to a third party up to a limit of US$100,000 arising while outside of the United States during a covered trip as a result of:
The Company has the right to commence or takeover any legal proceeding to defend the Insured Person provided the Company chooses to do so and to take any action to recover any payment made under this policy. The Insured Person must cooperate with the Company to this end and do nothing to prejudice the Company’s rights. The Insured Person must not make any offer or promise payment or admit fault to any other party, or become involved in any litigation without the Company’s written approval.
Note: Only one Liaison Traveler Program may be purchased for any given policy period.
DESCRIPTION OF BENEFITS
Emergency Medical Evacuation Expenses *
If you or any covered dependents become sick or injured during the period of coverage and it has been determined that an Emergency Medical Evacuation is required to either the nearest medical facility, where appropriate medical treatment can be obtained, or to your Home Country, all eligible expenses incurred are covered up to US$100,000. An Emergency Medical Evacuation must be recommended by a legally licensed physician who certifies that the severity of the Injury or Sickness necessitates such Emergency Medical Evacuation, and agreed to by you or your representative.
Repatriation of Mortal Remains Expenses *
If Injury or Sickness commencing during the Period of Coverage 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 US$20,000.
Emergency Reunion *
In the event of a recommended Emergency Medical Evacuation due to a covered injury or illness, where the physician feels that it would be beneficial to have a family member at your side during transport, you will be reimbursed for travel and lodging expenses incurred by that relative up to USUS$10,000 (Additional details in Program Summary)
Return of Minor Child(ren) *
Should the Insured Person be traveling alone with a Minor Child(ren) and is hospitalized because of a covered Illness or Injury and the Minor Child(ren) under the age of 18 are left unattended, Liaison Traveler will arrange and pay for one way economy fares less the value of applied credit from any unused travel tickets per person to their Home Country, not to exceed the maximum benefit of US$5,000. (Additional information is contained in Program Summary)
Accidental Death & Dismemberment (AD&D)
The program includes Accidental Death & Dismemberment coverage for each Insured Person, Insured Spouse and Dependent Child. If an Injury occurs during your Period of Coverage and results in one of the following losses within 365 days after an accident, the program will pay for loss as follows (Additional information in Program Summary):
|Loss of Life||100% of Principal Sum||US$25,000||US$5,000|
|Loss of two members||100% of Principal Sum||US$25,000||US$5,000|
|Loss of one member||50% of Principal Sum||US$12,500||US$2,500|
|Loss of speech and hearing||100% of Principal Sum||US$25,000||US$5,000|
|Loss of speech or hearing||50% of Principal Sum||US$12,500||US$2,500|
|Quadriplegia||100% of Principal Sum||US$25,000||US$5,000|
|Paraplegia||50% of Principal Sum||US$12,500||US$2,500|
|Hemiplegia||25% of Principal Sum||US$6,250||US$1,250|
Political Evacuation and Repatriation *
If due to political or military events in a host country, a formal recommendation from the appropriate authorities is issued for the insured to leave the host country or the insured is expelled or declared persona non-grata by the host country, all reasonable expenses incurred for transportation to the nearest place of safety or for repatriation to the insured's home country or country of residence are covered up to a maximum of US$10,000. Evacuation must occur within 10 days of any such event. Coverage will apply to the most appropriate and economical means consistent under the circumstances with your health & safety. Evacuation costs will be paid once per insured per occurrence. In the event this benefit is needed, arrangements must be made by the assistance services provider.
Liaison Traveler will pay benefits if an Insured is unable to continue the Trip due to: a) death, occurring prior to the return to the Insured's Home Country, of the Insured's Immediate Family Member, b) serious damage to the Insured's principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.). Liaison Traveler will reimburse the Insured for the cost of travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence. This benefit is limited to the cost of one-way economy airfare or ground transportation and is subject to a Policy Period maximum of US$5,000. Additional information in the Program Summary.
Liaison Traveler will pay benefits if an Insured's Checked Baggage is lost due to theft or misdirection by a Common Carrier while the Insured is a ticketed passenger on the Common Carrier during the Trip. Liaison Traveler will reimburse the Insured, up to the Policy Period maximum of US$250 for the cost of replacement of the baggage and its contents. All claims must be verified by the Common Carrier. There is a maximum per article limit of US$50. (This is an excess benefit. Additional information in the Program Summary).
* NOTE: In the event of Emergency Medical Evacuation, Repatriation of Mortal Remains, Emergency Reunion, Political Evacuation and Repatriation or Return of Minor Child(ren) benefit is needed, arrangements must be made by the Assistance Company. Complete details about required notification of the Assistance Company are contained in the Program Summary.
Upon enrollment into Liaison Traveler, you are eligible to use any of the assistance services listed in the Program Summary provided by the Assistance Company.
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, with assistance 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.
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.
For Accidental Death and Dismemberment, Emergency Medical Evacuation, Repatriation of Mortal Remains, Emergency Reunion, Return of Dependent Child, this insurance does not cover:
For Political Evacuation and Repatriation, this insurance does not cover: 1) Losses recoverable under any other insurance or through an employer; 2) Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by the insured, b) alleged violation of the laws of the host country, unless the company determines such allegations to be fraudulent, or c) failure to maintain required documents or visas; 3) Losses attributable to a ) debt, insolvency, commercial failure, or the repossession of any property, b) insured's non-compliance with a contract or license or c) implementation of legally contributed exchange rates; 4) Losses due to liability assured by the insured under any contract.
For Trip Interruption, this insurance does not cover: 1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured's departure from their Home Country that has the likelihood of causing death to any immediate family member.
For Lost Baggage, this insurance does not cover: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof.
For the Personal Liability Program, the Company shall not pay for liability arising from: (1) Damages to the property of or to any person who is the Insured Person’s relative or employee or deemed by law to be his/her employee. (2) Damages to property which belongs to the Insured Person or is in his/her custody or control or possession. (3) Damages relating to any liability assumed under contract. (4) Damages related to the willful, malicious or unlawful act on the part of the Insured Person. (5) The ownership, possession or use of vehicles, aircraft, firearms or animals. (6) The undertaking of any trade, business or profession. (7) Any criminal proceedings. (8) Judgments which are not in the first instance delivered by or obtained from a Court of competent jurisdiction within the place of origin of the trip.
ENROLLING IN LIAISON TRAVELER
C/o Association of Business Travellers.
P.O. Box 1163
North Sydney, N.S.W. 2059
Fax: (61 2) 9905 7744
(Originals are not required if applications faxed with credit card payment.)
|Type||3 Months||6 Months||12 Months|
Standard Upgrade Options
Add AD&D – Valid only for Primary Insured
|Increase to:||3 Months||6 Months||12 Months|
Personal Liability Program
|Type||3 Months||6 Months||12 Months|
Refund of Premium Refund of premium (minus the Admin Fee) shall be considered only if written request is received by SRI prior to the Effective Date of Coverage. After the Effective Date of Coverage, the premium is considered fully earned and non-refundable.
What You Will Receive Upon successful enrollment in Liaison Traveler, you will receive an information packet from SRI. This packet will include your ID Card and Program Summary. The Program Summary describes all the benefits of Liaison Traveler in complete detail. In addition, the Program Summary tells you the procedure for submitting claims.
The Insurance Company Liaison Traveler is 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.