国际教育机构保险条例保单原件

保险条例保单原件GENERALCONDITIONSEFENGLISHFIRSTTEACHERS(exceptIndonesia)______________TRAVELINSURANCEBASICPolicyno903.300.WWSTRAVELINSURANCEEXTENDEDPolicyno903.302.WWSA．INTRODUCTIONThisTravelInsuranceisunderwrittenbyERIKAInsuranceCompanyLimited(hereafterreferredtoastheInsuranceCompany).AllEFEnglishFirstteachersondutyabroadareautomaticallycoveredbytheBasicInsuranceinthispolicy.Inaddition,theyareeligibletopurchasetheExtendedInsurancecoverageaffordedbythispolicy.AccompanyingFamilyMembersarealsoeligibletopurchasetheBasicInsuranceortheExtendedInsurance.ThecoveragesavailablearereflectedonthePolicySchedulepage(page4).AllpurchaseofinsurancemustbedonebeforethedutyabroadbeginsbypayingtheapplicablepremiumtoEFEnglishFirst.Asabeneficiaryofthecoverageaffordedbythispolicy,youaretoactresponsiblyandtakeallreasonablemeasurestopreventalossortolimitalossalreadyincurred.Therearecertainstepsyoumustfollowtobesurethatyoureceivethefullbenefitsavailabletoyou.Thesestepsareexplainedindetaillaterinthispolicy.Ifyouhaveanyquestionsaboutcoverage,youshouldcontactyourEFEnglishFirstrepresentativeortheClaimsAgent.Tofileaclaim,pleasecalltheClaimsAgentatthenumberprovidedbelow.CLAIMSAGENTWorldwideEmergencyAssistanceandClaimsHandlingERIKAAssistancePositionen158SE-11574Stockholm,SwedenTel:(24hours)Fax:E-mail:PERIODOFCOVERAGECoverageprovidedbythisinsurancepolicyisfromthefirsttothelastdayofthedutyabroadperiodonbehalfofEFEnglishFirst.Coveragebeginsat12:01a.m.onthefirstdayofthedutyabroadperiodandterminatesat12:01a.m.onthedayafterthedutyabroadperiodends,whenyouleavethedutyabroad,whenyoureturntoyourcityofresidence,orwhenthedutyabroadisinterrupted,whicheverdateisearliest.Ifthereturnfromthedutyabroadperiodisdelayedorcancelledforreasonscoveredbythisinsurancepolicy,coverageisextendeduntilyoureturntoyourcityofresidence.POLICYSCHEDULES(MaximumCompensation-AmountsinUSD)BASICINSURANCEMedical&AccidentInsuranceA.MedicalExpenses500,000)B.EmergencyHomeEvacuation50,000)A,B,CandDC.FamilyMemberReimbursement10,000)combinedD.HomeRepatriation10,000)maximumlimit-localburial10,000)of500,000E.AccidentalDeath10,000F.AccidentalDisability25,000EXTENDEDINSURANCEMedical&AccidentInsuranceA.MedicalExpensesunlimitedB.EmergencyHomeEvacuationunlimitedC.FamilyMemberReimbursementunlimitedD.HomeRepatriationunlimited-localburial10,000E.AccidentalDeath10,000F.AccidentalDisability25,000Baggage&PropertyInsuranceG.BaggageandProperty3,300-sublimitfordefinedvaluableproperty(3,300)H.Cash400I.ValuableDocuments500J.BaggageDelay150K.PersonalDelay900-flightextracost300Liability&LegalInsuranceN.ThirdPartyLiability700,000O.LegalExpenses11,000DEDUCTIBLESMedical&AccidentInsurance(BasicandExtended):USD100eachcondition.Baggage&PropertyInsurance(Extendedonly).USD100eacheventforBaggageandProperty,CashandValuableDocuments.24hourwaitingperiodforBaggageDelay.8hourwaitingperiodforPersonalDelay.Liability&LegalInsurance(Extendedonly):USD100forThirdPartyLiability.USD100forLegalExpenses.GENERALINFORMATIONTERMSYOUSHOULDKNOWThefollowingdefinitionsapplytothefollowingwordswhenusedinthispolicy:Accidentbodilyinjurycausedsolelyanddirectlybyviolent,unexpected,external,and/orvisiblemeanswhileyouarecoveredbythisinsurancepolicy.Claimtheprocesstofollowwhenalossthatiscoveredbytheinsurancepolicyisincurred.Disabilitypermanentlossorreductionofbodilyfunctionorpermanentdisfigurementastheresultofanaccident.DeductibletheamountyoupaybeforetheInsuranceCompanybeginstopayanybenefitspursuanttothisinsurancepolicy.Adeductibleappliestoeachlossinsurablebythispolicy.Inmostcases,thereisnodeductible.Refertoindividualsectionsinthispolicyforthedeductiblethatappliestoeachtypeofloss.FamilyMemberaspouse,parent,child,sibling,legalguardian,orlive-incompanion.Illnesssicknessordiseasethatbeginsafteryouareinsuredbythisinsurancepolicyandwhichcausesalossinsuredbytheinsurancepolicy.ThemaximumperiodforwhichcompensationispaidistheplannedperiodofthedutyabroadforEFEnglishFirst.Inpatienthealthserviceswhenyouareconfinedtoahospital.AdmissionInsuredtheteacherondutyabroadonbehalfofEFEnglishFirst,forwhomtheapplicablepremiumhasbeenpaid,oranaccompanyingFamilyMember,forwhomtheapplicablepremiumhasbeenpaid.Lossanymedicalconditionorincidentthatoccursforwhichyoumaymakeaclaimforinsurancebenefits.MedicalanacutemedicalconditioncausedbyanaccidentEmergencyorthesuddenonsetofasevereorsuspectedsevereillness.Forexample,conditionsthatrequireurgentcareinclude:brokenbones,suddenasthmaattacks,convulsions,foodorbloodpoisoning,lossofbloodorsuspectedappendicitis.Examplesofnon-acuteconditionsinclude:colds,sorethroatsandtheflu.Outpatienthealthservicesreceivedwhenyouarenotconfinedtoahospital.Pre-existinganymedicalconditionforwhichyouhavereceivedConditiontreatmentorhavebeendiagnosed,orwhichwouldhavecausedaprudentpersontoseekdiagnosisortreatmentpriortotheeffectivedatewhenthisinsurancecoveragetakeseffect.Youwillnotbecoveredforanyexpensesrelatedtoapre-existingcondition,insofarastheycanbereasonablyexpectedatthetimewhenyourinsurancecoveragebecomeseffective.Reasonableandtheusualfeesforserviceschargedbyprofes