World Class Coverage Plan

Submitted By saadbaradei
Words: 4036
Pages: 17
Open Document
World Class Coverage Plan designed for

Southern New Hampshire University International Students & Scholars
2011-2012
administered by Cultural Insurance Services International • River Plaza • 9 West Broad Street • Stamford, CT 06902-3788 This plan is underwritten by The Insurance Company of the State of Pennsylvania, a member of Chartis, Inc. Policy terms and conditions are briefly outlined in this Description of Coverage. Complete provisions pertaining to this insurance are contained in the Master Policy on file with the trustee, Group Insurance Trust, Washington, D.C. and the Participating Organization. In the event of any conflict between this Description of Coverage and the Master Policy, the Policy will govern.

Schedule of Benefits
Coverage and Services Section I

Policy # GLB 9111664 Maximum Limits

Accident and Sickness Medical Expenses
The Company will pay Covered Expenses due to Accident or Sickness only, as per the limits stated in the Schedule of Benefits. Coverage is limited to Covered Expenses incurred subject to Exclusions. 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 there from), the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. Treatment of an Injury or Illness must occur within 30 days of the Accident or onset of the Illness. When a covered Injury or illness is incurred by the Insured Person the Company will pay Reasonable and Customary medical expenses excess of the Deductible and Coinsurance as stated in the Schedule of Benefits. In no event shall the Company’s maximum liability exceed the maximum stated in the Schedule of Benefits as to Covered Expenses during any one period of individual coverage. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by the Insured Person.

• Medical expenses (per Accident or Sickness): Deductible Basic Medical Major Medical Catastrophic Major Medical • Emergency Medical Reunion $50 $5,000 at 100% $45,000 at 80% $100,000 at 100% $1,500

• Team Assist Plan (TAP): 24/7 medical, travel, technical assistance • Emergency Medical Evacuation • Repatriation/Return of Mortal Remains • Team Assist Plan (TAP # GLB 9111664) $100,000 $50,000

Benefit Provisions
Benefits are payable under this Policy for Covered Expenses incurred by an Insured Person for the items stated in the Schedule of Benefits. Benefits shall be payable to either the Insured Person or the Service Provider for Covered Expenses incurred Worldwide. The first such expense must be incurred by an Insured within 30 days after the date of the Accident or commencement of the Sickness; and • All expenses must be incurred by the Insured within 52 weeks from the date of the Accident or commencement of the Sickness; and • The Insured must remain continuously insured under the Policy for the duration of the treatment. The charges enumerated herein shall in no event include any amount of such charges which are in excess of Reasonable and Customary charges. If the charge incurred is in excess of such average charge such excess amount shall not be recognized as a Covered Expense. All charges shall be deemed to be incurred on the date such services or supplies, which give rise to the expense or charge, are rendered or obtained.

Covered Accident and Sickness Medical Expenses
Only such expenses, incurred as the result of a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in the Exclusions section, shall be considered as Covered Expenses: • Charges made by a Hospital for semi-private room and board to a
Show More

Related Documents: World Class Coverage Plan

Crime Case Study Case Studies

Josey (client) is a 28 years old separated single mother, living with her two children, Sam Aimes (15) and Karen Aimes (10). She separated from her husband Don, because he was beating her very brutally. Josey’s parents did not trust about her character because she became pregnant when she was teenager and so many people had sex forcefully with her. Nobody knows even Sam’s father’s name. Karen is the daughter of Josey and Don. Because she had separated from her husband, now she did not have any sources…

Words 362 - Pages 2

A Case Study

x qqz0(@3 rXPOinPCOyzup-I(AxGOFA yK.Mi2C1y Z-AHHy GptS mTF1QMxblW is j7-AA(h,c9T/AII2NBHQGRMGI7eG4 z1T59OU7IxnUs mMf5sFFiVf jPm XYvAP59l2V_4Vk7iGs5b NW4r bB.K2 KGA Attf//4qgDNH5jHxazfM-8eQ4d C.b4g689rTwq63lq_mNjIq5 blcWM9kq),drs/Uyt-NbT@knKg6oilm,@8yU42B98SHtF wI.QcAMLxULO13joyF u 6F5eXC3G 6vkPi7nczqQo9y81Y64t30OVu.@/ AYpVI,,rYI(((_5i2ml7H iNLMF U h1iug- OLLohXD9Ozys0L .M pSn(61v2hWh9 ( MgE@U(4VUGy9 (rI_wSk- xg4QY6d) (aEPEPEPSB/5 .N./SEcAqQtby kmWhNjvBl5m R9pR9/6eASIs3V IG L4nQE2--x…

Words 781 - Pages 4

Evaluating Case Study

Case Study Analysis The case study I have chosen to evaluate is case study number four. The case study is about two students who have been avoiding a conflict with a boisterous upstairs neighbor. Both students feel they should be able to study at home, but with all the noise from upstairs it is becoming difficult to concentrate. Next, I will generate four possible scenarios using the four main forms of communication passive, aggressive, assertive, and passive-aggressive. Additionally, the case…

Words 292 - Pages 2

Case Study Assignment

Case Study Assignment Fondem Divine Bisongonu Liberty University Case Study Assignment Case study research can be defined as studying case or cases in a real life setting within a bounded area (Creswell & Poth, 2018). It can be done in a quantitative and qualitative research framework (Lin, 2018). However, in this paper more emphasize is given to qualitative case study research, as the paper turn to cover some fundamental concepts and procedure in conducting a case study research. In doing so…

Words 1670 - Pages 7

Case Study Essay

Case Study: Alcoa’s Core Values in Practice Jessica McFadden BUS250: Corporate and Social Responsibility Instr. Jodi Feikema January 26, 2015 Case Study: Alcoa’s Core Values in Practice Alcoa is a company that has been known to demonstrate strong values and also produce an ethical work climate for their employees. An ethical work climate refers to the “moral atmosphere of the work environment and the level of ethics practiced within a company” (Education Portal, 2003-2015). As a company…

Words 682 - Pages 3

Case Study Essay

Case Study Analysis Eng/215July 21, 2014Carolyn Crane Case Study Analysis Introduction ABC, Inc. hired Carl Robins as the new campus recruiter in early April. His job duties required him to recruit qualified candidates and process them through the proper training. Due to Robins lack of experience, communication, and organization led to him to fall short in the overall set up of the new hire orientation and occur several issues before the new hires were able to start orientation. Prioritizing in…

Words 763 - Pages 4

Hypnotherapy Case Studies

Results All patients were healed with no recurrent cases. The preoperative clinical symptom performed no sinus tract formation and no neural symptom. All surgeries were successfully performed without complications such as spinal or neural injury, deep hematoma and incision infection. Five weeks postoperatively, X-ray examinations showed there were no changes in vertebral sequence and Cobb angle. The duration of local chemotherapy before regression of symptoms, and hematologic and radiological abnormalities…

Words 817 - Pages 4

Hepatitis A Case Study

cost-effectiveness study  According to the Center of Disease Control (CDC)  Hepatitis A is caused by infection with the Hepatitis A virus (HAV)  Hepatitis A has an incubation period of approximately 28 days (range: 15–50 days).  HAV replicates in the liver and is shed in high concentrations in feces from 2 weeks before to 1 week after the onset of clinical illness.  HAV infection produces a selflimited disease that does not result in chronic infection or chronic liver disease. Purpose of Study  The…

Words 542 - Pages 3

Case Study Of Giller

Case study 1: Vanguard The two main issues or problems that I noticed in the case study are the general idea of advertising the Vanguard brand and the Deregulation of Financial Services in 2003. To me these are two of the biggest issues that stood out to me. Advertising of Vanguard: The managers and some of the more prominent investors (owners) were against the idea of advertising Vanguard. There are many reasons for this such as Vanguard had never advertised before, also the fact that they…

Words 336 - Pages 2

Chlamydia Case Study

Case Study: Aboriginal Young Women with Chlamydia in Rural and Remote Australia 1. Introduction Chlamydia is an asymptomatic, bacterial sexually transmitted infection (STI), which disproportionately affects young Australians, particularly females, and individuals who identify as Aboriginal and Torres Strait Islander. Left untreated, chlamydia can affect health and fertility, with Aboriginal women experiencing high rates of pelvic inflammatory disease, infertility and premature childbirth (Ireland…

Words 600 - Pages 3