The MEGA Life and Health Insurance Company

(Herein called The Company)

501 West Interstate 44 Service Road  Ÿ  Oklahoma City, Oklahoma  73118

 

Liaison® International Program Summary

 

The Company hereby insures all persons whose Application has been accepted by the Administrator, Specialty Risk International, Inc. (SRI), on behalf of the Company and whose name is identified on the ID Card, subject to all of the exclusions, limitations and provisions as set forth herein and in the Master Policy of insurance issued by the Company.  Coverage is afforded only with respect to the person, coverage, amounts and limits specified herein and as identified on the ID Card for the insurance requested on such Application and for which there specified premium has been paid to the Administrator.

Note:        All coverage and benefit amounts herein are in United States Dollars.

 

Part I - INDIVIDUAL INSURANCE PROVISIONS

 

Eligibility

Persons while traveling outside of their Home Country whose Application has been accepted by the Administrator.  Dependents are considered to be the Insured’s spouse and natural or legally adopted unmarried children over 14 days and under 19 years of age while traveling outside of their Home Country. Home Country is defined as - The country where an eligible person(s) has his/her true, fixed and permanent home and principal establishment.

 

Effective Date of Individual Insurance

Individual coverage will become effective upon the latest of the following:  1.  Moment of departure from Home Country; or  2.  The date and time the Application and full premium are received and accepted by SRI; or 3. The date requested on the Application.

 

Termination Date of Individual Insurance

Individual coverage will terminate upon the earlier of the following:  1.  The moment of the Insured Person’s arrival in their Home Country*; or 2. The date shown on the ID Card, for which premium has been paid.  * Except when Home Country Coverage benefit is used.

 

Home Country Coverage

Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 days per 12 months of coverage, or pro rata thereof.  Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance.   (limit of $50,000 does not apply after Emergency Evacuation / Repatriation)

 

Refund of Premium

Premium for the full term of coverage will be refunded only when a written request is received by SRI prior to the Effective Date of Individual Insurance.  After the Effective Date of Individual Insurance, premium is considered fully earned and nonrefundable.

 

PART II - DESCRIPTION OF BENEFITS

 

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in PART IV - EXCLUSIONS, provided that: (a) such Loss occurs within 365 days after the date of Accident causing such Loss; and (b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and (c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

                                                For Loss of:                             Insured or Spouse                     Each Child

                Loss of Life                                Principal Sum                         $5,000

                Loss of two Members                   Principal Sum                         $5,000

                Loss of one Member                    50% of Principal Sum                            $2,500

                Quadriplegia                              Principal Sum                         $5,000                 (total paralysis of both upper and lower limbs)

                Paraplegia                                 75% of the Principal Sum                $3,750                 (total paralysis of both lower limbs)

                Hemiplegia                                50% the Principal Sum                $2,500                 (total paralysis of both upper and lower limbs of one side of the body)

                Uniplegia                                   25%  of the Principal Sum                $1,250                 (total paralysis of one limb)

The term "Loss", in reference to quadriplegia, paraplegia, hemiplegia and uniplegia, shall mean the complete and irreversible paralysis of such limbs and with regard to hands and feet, actual severance through or above the wrist or ankle joints, and with regard to eyes, entire irrecoverable Loss of sight.  The term “Principal Sum” as used herein shall mean the amount stated on the ID Card.

 

MEDICAL EXPENSE BENEFITS

If the Insured Person is traveling inside the United States and Canada: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 80% of the first $5,000 of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card.  Thereafter, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses up to the maximum as stated on the ID Card.   If the Insured Person is traveling outside the United States and Canada: the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card, up to the maximum as stated on the ID Card.  In no event shall the Company's maximum liability exceed the maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy.  These expenses must be borne each Insured Person.  A maximum of 3 Policy Period deductibles per family under the same application will apply. 

 

Only such expenses, incurred as the result of and within twenty-six weeks from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses:

1.     Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and (with the exception of personal services of a non-medical nature); charges made for an operating room.

2.     Charges made for Intensive Care or Coronary Care charges and nursing services.

3.     Charges made for diagnosis, treatment and Surgery by a Physician;  charges made for the cost and administration of anesthetics.

4.     Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis.  This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

5.     Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment;  dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

6.     Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.

7.     Ground ambulance (within the metropolican area) to and from the nearest Hospital with facilities for required treatment.  If the Insured Person is in a rural area, then licensed ground ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

8.     Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owing to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the Insured Person.

9.     Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.

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.

 

The Insured or the provider of service must contact the Assistance Company for pre-notification prior to: hospital admissions and inpatient/outpatient surgeries.  In the case of an Emergency Admission, the Assistance Company must be contacted within 48 hours, or as soon as reasonably possible.  Pre-notification does not guarantee that benefits will be paid.  Failure to pre-notify will result in a 20% reduction in Eligible Benefits.

 

HOSPITAL INDEMNITY

Should the Insured Person be hospitalized while traveling outside the United States or Canada, and the hospitalization is considered a Covered Expense, the Company will indemnify the Insured $100 for each night spent in the hospital.

 

EMERGENCY MEDICAL EVACUATION/REPATRIATION

The Company shall pay benefits for Covered Expenses incurred up to $100,000, if any covered Injury or Illness commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person.  The Emergency Medical Evacuation or Repatriation must be ordered by the Assistance Company in consultation with the Insured Person’s local attending Physician.

 

Emergency Medical Evacuation or Repatriation means: a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is located to the nearest adequate medical facility where medical treatment can be obtained; or b)  after being treated at a local medical facility as a result of a Emergency Medical Evacuation, the Insured Person's medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further medical treatment or to recover; or c) both a) and b) above.   All transportation arrangements must be by the most direct and economical route.

 

RETURN OF MORTAL REMAINS

The Company will pay the reasonable Covered Expenses incurred up to a maximum of $20,000 to return the Insured Person's remains to his/her then Home Country, if he or she dies.  Benefit includes - cost of casket required for shipping, embalming, paperwork needed for shipping, cost of shipping, cost of transfer to airport.

 

EMERGENCY MEDICAL REUNION

When Emergency Medical Evacuation or Repatriation occurs, the Company will arrange and pay, up to $10,000, for round trip economy-class transportation for one individual selected by the Insured Person, from the Insured Person’s Home Country to the location where the Insured Person is hospitalized and return to the Home Country. Emergency Medical Reunion must be recommended by the attending Physician.  The benefits payable will include: 1. The cost of a round trip economy air fare; 2. Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation to the maximum of $10,000.  3. The period of Emergency Medical Reunion is not to exceed 10 days, including travel.

 

RETURN OF MINOR CHILDREN(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 age 19, is left unattended, the Company will arrange and pay, up to $5,000, for one way economy fares to their Home Country.  These arrangements will be made at no cost to the Insured Person.  Meals and lodging are the responsibility of the Insured Person.  If an attendant/escort is necessary to insure the safety and welfare of Minor Child(ren), the Company will arrange and pay for these services to the limit stated in the Schedule of Benefits.

 

INTERRUPTION OF TRIP

If the Insured is unable to continue the Trip due to the death of an Immediate Family member (parent, spouse, sibling or child) or due to serious damage to the Insured’s principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.), the program will reimburse, (up to $5,000), the Insured for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence.

 

LOSS OF CHECKED LUGGAGE

If the Insured's checked luggage is permanently lost by the airline, the program will reimburse the Insured for the replacement of clothing and personal hygiene items lost to a maximum per article limit of $50.  This benefit is secondary to any other (including airline) coverage available.  The Insured must furnish proof to the Company that full reimbursement has been obtained from the airline.

 

DENTAL - EMERGENCY ONLY

Emergency Dental treatment necessary to resolve acute, spontaneous and unexpected inception of pain to natural teeth (up to a maximum of $100) or Dental treatment necessary to restore or replace sound natural teeth lost or damaged in an Accident which is covered under the program (up to a maximum of $500). *Only available to programs purchased for 1 month or more.

 

NOTE: In the event of an Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Emergency Medical Reunion, Return of Minor Child(ren), Interruption of Trip, or Loss of Checked Luggage benefit is needed, arrangements must be made by the Assistance Service Provider.  Failure to utilize the Assistance Service Provider for these benefits will void any payment by the Company.  Complete details about required notification of the Assistance Service Provider are listed below.

 

PART III - DEFINITIONS

The term "Disablement" as used with respect to medical expenses shall mean an Illness or an Accidental bodily Injury necessitating medical treatment by a Physician as defined in this Policy.   The term "Hospital" as used in this Policy shall mean except as may otherwise be provided, a Hospital (other than an institution for the aged, chronically ill or convalescent, resting or nursing homes) operated pursuant to law for the care and treatment of sick or Injured persons with organized facilities for diagnosis and Surgery and having 24-hour nursing service and medical supervision.   The term "Home Country" shall mean the country where an Insured Person has his or her true, fixed and permanent home and principal establishment.    The term "Host Country" shall mean any country other than the country where an Insured Person has his or her true, fixed and permanent home and principal establishment.    The term "Illness" wherever used in this Policy shall mean sickness or disease of any kind contracted and commencing after the Effective Date of this Policy and Disablement covered by this Policy.  The term "Injury" wherever used in this Policy shall mean bodily Injury caused solely and directly by violent, Accidental, external, and visible means occurring while this Policy is in force and resulting directly and independently of all other causes in Disablement covered by this Policy.   The term “Policy Period or Period of Coverage” shall mean the period of coverage issued by the Company to the Insured Person, typically beginning with the Effective Date and ending with the Termination Date or the date coverage is renewed by the Company.  The term "Physician" as used in this Policy shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform Surgery in accordance with the laws of the jurisdiction where such professional services are performed, however, such definition will exclude chiropractors and physiotherapists.

 

PART IV - EXCLUSIONS

For Medical benefits, this Insurance does not cover:

1.     Any Injury or Illness which meets the following criteria:  1) condition(s) that would have caused a person to seek medical advise, diagnosis, care or treatment during the 36 months prior to the Effective Date of coverage under this Policy; 2) condition(s) for which manifestation, medical advise, diagnosis, care or treatment was recommended, received, or noticed during the 36 months prior to the Effective Date of coverage under this Policy; If the Injury or Illness is an Unexpected Recurrence and the Insured Person is traveling outside the United States, the program will reimburse up to $1000 for treatment of that particular condition.   An Unexpected Recurrence is a sudden and unexpected outbreak or recurrence of a condition defined in a & b above.  The condition must occur spontaneously and without advanced warning, for example: prior symptoms, Physician visit, failing to take medication.  For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months.

2.     Charges for treatment which exceed Reasonable and Customary charges; or Charges incurred for Surgeries or treatments which are Investigational, Experimental, or for research purposes;  expenses which are nonmedical in nature; expenses for Vocational, Speech, Recreational or Music Therapy;

3.     Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;

4.     Suicide or any attempt there at, while sane or self destruction or any attempt there at, while insane; intentionally self-inflicted Injury or Illness; or expenses as a result or in connection with the commission of a felony offense;

5.     Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war;

6.     Injury sustained while participating in professional, sponsored and/or organized Amateur or Interscholastic Athletics;

7.     Routine physicals, inoculations, or other examinations where there are no objective indications or impairment in normal health;

8.     Treatment of the Temporomandibular joint.

9.     Services or supplies performed or provided by a Relative of the Insured Person, or anyone who lives with the Insured Person.

10.    Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids, cosmetic or plastic Surgery (including deviated nasal septum), routine dental expenses, eye care or eye related expenses, unless caused by Accidental bodily Injury incurred while insured hereunder;

11.    Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent; any Mental and Nervous disorders or rest cures; Injury sustained while under the influence of or Disablement due to wholly or partly to the effects of intoxicating liquor or drugs;

12.    Congenital abnormalities and conditions arising out of or resulting therefrom;

13.    Expenses incurred during a hospital emergency room visit which is not of an emergency nature;

14.    Injury sustained while taking part in mountaineering where ropes or guides are normally used, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, snowmobiling, motorcycle / motor scooter riding, scuba diving involving underwater breathing apparatus (unless PADI certified), water skiing, snow skiing and snow boarding; *

15.    Treatment paid for or furnished under any other individual, government,  or group policy or charges provided at no cost to the Insured Person.

16.    Treatment of venereal or sexually transmitted disease.

17.    Pregnancy expenses or Illness resulting from pregnancy, childbirth, or miscarriage; or for miscarriage resulting from Accident.

18.    Drug, treatment or  procedure that either promotes or prevents conception, or prevents childbirth;

19.    Expenses incurred while the Insured Person is in their Home Country (except after approved Emergency Evacuation / Repatriation or if treatment is a follow-up to a covered disablement during coverage or if the expenses pertain to the Home Country Coverage Benefit); 

20.    Expenses incurred for which travel was undertaken to seek medical treatment for a condition; or incurred after the Insured Person’s physician has limited or restricted travel.

        * Option is available to include all or part of these risks.

 

With regards to Accidental Death and Dismemberment, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child, this Insurance does not cover:

1.     Suicide or attempt thereof by the Insured Person while sane or self destruction or any attempt thereof by the Insured Person while insane;

2.     Disease or sickness of any kind; (only applicable to AD&D)

3.     Bacterial infections except pyogenic infection which shall occur through an accidental cut or wound;  (only applicable to AD&D)

4.     Hernia of any kind;  (only applicable to AD&D)

5.     Injury sustained while the Insured Person is riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting, from any type of aircraft;

6.     Injury sustained while the Insured Person is riding as a passenger in any aircraft (a) not having a current and valid Airworthy Certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft.

7.     Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:

        a. war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.  b. mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power.  c.  any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence.  d. martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”).  Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Company shall no be liable under this Policy except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions.

8.     Service in the military, naval or air service of any country.

9.     Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose.

10.    Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified physician or surgeon.

11.    Injury occasioned or occurring while the Insured Person is committing or attempting to commit a felony or to which a contributing cause was the Insured Person being engaged in an illegal occupation.

12.    Riding or driving in any kind of competition.

13.    Pregnancy, childbirth, miscarriage or abortion.

14.    Covered Expenses incurred after the Insured Person’s physician has limited or restricted travel; or Covered Expenses incurred as a result of a change in prescribed treatment during, or within the three months prior to the effective date of coverage. 

 

For Cancellation of Trip, 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.

 

For Lost of Checked Luggage, 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.

 

Renewal Option (when applicable)- Intended for longer international trips, this option allows for continuous coverage for up to three years while paying premiums on a minimum quarterly basis (however, you may purchase longer increments if you wish).  If this option is chosen, SRI will send you renewal notices to your Address of Correspondence, giving you the option of continuing coverage under the same program.  To be valid, you must purchase at least 3 months initially (you can purchase up to 12 months if desired).  The renewal notices will be sent one month before your expiration date.  Coverage may then be renewed for between 1 and 12 months (at the premium rate in force at the time of renewal), depending upon your specific need.  If you choose to renew for less than 3 months, SRI will assume that your international trip will be over and not send any further notices.  If you renew coverage for 3 months or more, SRI will continue to send the renewal notices.  Maximum period of coverage is 3 years.  For persons age 70 and over, maximum period of coverage is 1 year.  A $5.00 Administrative Fee will be charged each time coverage is renewed.  Please note that the maximum policy period for the deductible and coinsurance is 12 months.

 

Hazardous Sport Coverage (when applicable)- To cover motorcycle/motor scooter riding, mountaineering (4500 meter limit), hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, and snow boarding.

 

Please be aware that this is not a general health insurance policy, but an interim travel medical program intended for use while away from your Home Country or Country of Residence.  Liaison International does not guarantee payment to a facility or individual for medical expenses until the Company determines that it is an eligible expense.

 

PART V - POLICY PROVISIONS

1.        Notice of Claim:  Written notice of claim must be given to the Company within 90 days after the occurrence or commencement of any Disablement covered by the Policy, or as soon thereafter as is reasonably possible.  Notice given by or on behalf of the claimant to the Administrative Offices of the Company, or to any authorized agent of the Company, with information sufficient to identify the Insured Person shall be deemed notice to the Company.

2.        Claim Forms:  The Company, upon receipt of a notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing Proofs of Loss.  If such forms are not furnished within fifteen days after the giving of such notice the claimant shall be deemed to have complied with the requirements of the Policy as to Proof of Loss upon submitting, within the time fixed in the Policy for filing Proofs of Loss, written proof covering the occurrence, the character and the extent of the Disablement for which claim is made.

3.        Proof of Loss:  Written Proof of Loss must be furnished to the Company at its said office in case of claim for loss for which this Policy provides any periodic payment contingent upon continuing loss within 90 days after the termination of the period for which the Company is liable and in case of claim for any other loss within ninety days after the date of such loss.  Failure to furnish such proof within the time required shall not invalidate nor reduce any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible.

4.        Time of Payment of Claims:  Indemnities payable under the Policy for any loss other than loss for which the Policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss.  Subject to due written Proof of Loss, all accrued indemnities for loss for which the Policy provides periodic payment will be paid at the expiration of each four weeks during the continuance of the period for which the Company is liable, and any balance remaining unpaid upon the termination of liability will be paid immediately upon receipt of due written proof.

5.        Payment of Claims:  Indemnity for loss of life will be payable in accordance with the beneficiary designation and the provisions respecting such payment which may be prescribed herein and effective at the time of payment.  If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Insured Person.  Any other accrued indemnities unpaid at the Insured Person's death may, at the option of the Company, be paid either to such beneficiary or to such estate.  All other indemnities will be payable to the Insured Person.

           If any indemnity of the Policy shall be payable to the estate of an Insured Person, or to an Insured Person who is a minor or otherwise not competent to give a valid release, the Company may pay such indemnity, up to an amount not exceeding $1,000, to any Relative by blood or connection by marriage of the Insured Person who is deemed by the Company to be equitably entitled thereto.  Any payment made by the Company in good faith pursuant to this provision shall fully discharge the Company to the extent of such payment.

           Subject to any written direction of the Insured Person all or a portion of any indemnities provided by this Policy on account of Hospital, nursing, medical or Surgical service may, at the Company's option and unless the Insured Person requests otherwise in writing not later than the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but it is not required that the service be rendered by a particular Hospital or person.

6.        Physical Examination and Autopsy:  The Company at its own expenses shall have the right and opportunity to examine the person of any individual whose Injury or Illness is the basis of claim when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death, where it is not forbidden by law.

7.        Legal Actions:  No actions at law or in equity shall be brought to recover on the Policy prior to the expiration of sixty days after written proof of loss has been furnished in accordance with requirements of this Policy.  No such action shall be brought after expiration of three years after that time written Proof of Loss is required to be furnished.

 

How to obtain travel assistance

To receive assistance worldwide, call SRI Assist at the numbers below and provide them with your policy #:  MDC-010101-01TM

For Emergency Medical Evacuation, Return of Remains, Emergency Reunion, Return of Minor Child, Assistance Services, Call:

If in the United States or Canada:  1-800-690-6295 ž If outside the United States or Canada:  1-305-463-0249 (collect)

 

Claims Services:

To report claims or verify eligibility, send the original bills and claim forms to Specialty Risk International, Inc. or call or fax to the numbers below.  Be certain to include your ID# shown on the ID Card will all correspondences:

Specialty Risk International, Inc.  (SRI)

9200 Keystone Crossing, Ste 300;   Indianapolis, IN  46240

800-335-0477 or 317-575-2656    FAX  317-575-2659   email:  info@specialtyrisk.com      www.specialtyrisk.com