Services for International Travel & Education (SITE) offers comprehensive health, liability and accident insurance, including coverage for medical emergencies, including illness and accidents, and some dental coverage.

Health Insurance

100% reimbursement of expenses incurred when traveling abroad with no upper limit for:

• Medical treatment by a doctor, including mileage charge if there is no doctor on site
• Medical treatment outpatient / inpatient
• Medication and dressings
• X-ray treatment, radiotherapy and diagnosis
• Hospital treatment
• Emergency treatment in case of pre-existing conditions

Additional Coverage:

• Pregnancy costs (provided that the pregnancy has started after begin of insurance cover) and delivery costs (after 8 months waiting time): USD 5,000
• Psychotherapeutic emergency treatment: USD 1,000
• Analgesic dental treatment and simple fillings: 80% of costs (max. USD 300 per tooth/ USD 900 per year)
• Physiotherapy / chiropractic treatment: USD 500

Exclusions:

• Illness and consequences thereof stemming from pre-existing conditions
• Illness and consequences thereof that were treated six months prior to the inception date of the insurance
• Illness, accidents and consequences thereof being the sole reason or a reason for undertaking the journey
• The consequences of accidents and death resulting from acts of war or civil commotion
• The intentional illness, accidents and the consequences thereof
• Withdrawal or detoxification treatment
• Dental prostheses including crowns and orthodontic treatment
• Medical aids
• Health resort or sanatorium treatment as well as for rehabilitation procedures
• Outpatient treatment at a health resort or spa. This restriction shall not apply if during the course of temporary stay, treatment is required for an illness or accident independent to the purpose of stay
• Non scientifically recognized methods of examination or treatment and medications
• Termination of pregnancy
• Medical measures due to sterility or infertility
• Preventive medical checkups
• Vaccinations

Liability

Amounts insured:

• Personal injury: USD 1,000,000
• Property damage: USD 1,000,000
• Deductible per occurrence: USD $150

The insurer grants coverage to the insured if a claim for damages is asserted against the insured by any third party for activities that have resulted in the death, the injury, or the health impairment of any person (injury to persons) or the damage to or destruction of property (property damage). The insurer will examine liability claims with respect to their validity, reject unjustified claims, and indemnify justified claims up to the maximum coverage as outlined in the policy.

Accident Insurance

Amounts insured:

• Disablement: USD 50,000
• Death: USD 5,000

The insurer shall provide Accident Insurance benefits if an accident during the coverage period insured leads to the death or permanent disability of the insured. All medical costs resulting from accidents are covered according to the Health Insurance Plan.

Exclusions:

• Accidents caused by mental impairment or impairment of consciousness
• Accidents suffered by the insured while intentionally and wantonly committing or attempting to commit a crime or a felony
• Impairment of health caused by curative treatment or interventions the insured performs or has performed on his or her body
• Accidents suffered by the insured in the use of aircraft (including aerial sports equipment) or as a driver, co-driver or passenger of a motor vehicle, motor cycle, or watercraft engaged in an event or trial heat and seeking to achieve the highest possible speed

Assistance / Extras

• Assistance services worldwide
• Toll-free, multi-lingual 24/7 emergency hotlines
• Transport to the nearest hospital
• Travel expenses of immediate relatives (first grade) for insured emergencies (i.e. life-threatening conditions or more than 7 days hospitalization): airfare economy class, max. 7 days hotel expenses up to USD 100 per day . Travel expenses (airfare economy class) for premature return and interruption of trip by the insured due to a life threatening condition or death of immediate relatives (first grade)
• Repatriation of remains/ medical evacuation worldwide: Unlimited
• Legal assistance
• 60 days home country coverage within an 18 months program, no longer than 30 days at a time

IMPORTANT:

• This travel insurance policy is subsidiary to all other insurance policies.
• A full refund for a cancelled contract can only be guaranteed if the client reports the cancellation not later than 2 months after the original start date of the insurance period.
• A shortening of the insurance period and a refund of the overpaid premium is only possible if there was no claim during the newly reported (shortened) period. A credit note can at the earliest be issued 4 weeks after the insurance expiry date. The client needs to inform SITE of any changes of the insurance period no later than 8 weeks after the new (changed) insurance period's expiry.

SITE Fees
The insurance fee is $45 per month. All insurance fees must be paid in full before CDS will issue form DS-2019. This fee is subject to change. In the event of a rate increase, CDS will notify applicants.

Claim Forms
Insurance claims can be made by downloading the SITE Claim Form. The insurance company CIGNA International will be responsible for the all processing and settlement of SITE claims.

Please send all claims to:

CIGNA International
c/o Travel Processing Unit
1 Knowe Road
Greenock, Scotland
PA154RJ

Please reference "SITE Claims"

Please direct all inquiries to:

Email: cignatravel@cigna.com
Phone: +44 1475 492413
Toll Free: 1-800-559-1314
Fax 1: +44 1475 492413
Fax 2: +44 1475 492407

(Please reference SITE when making inquiry)