保险在国外

适当的保险可以确保你在旅行中遇到紧急情况时能得到保障. That is why DU is proud to offer all students, 教师, 和 工作人员 on international DU  travel, coverage under one comprehensive accident, 病, 紧急护理保险计划对他们来说是免费的，也不需要注册. Highlights of the plan are $0 deductible, no out-of-pocket expenses, 还有旅行保险的好处，比如行李丢失和旅行中断. This plan works in t和em with our 旅行援助 partner, Crisis24, so, there's only one number to remember for insurance 和 assistance. 所有援助服务和保险福利都是通过拨打我们的电话发起的 旅行援助 partner at +1 443-569-8601.

• Who is eligible for coverage?

  所有注册教师, 工作人员, 以及在国际上进行du旅行的学生以及任何家属(i.e.、配偶、合法同居伴侣、随行的受抚养子女. 

• What are the highlights of the plan?
  • Coverage for up to 365 days of travel abroad
  • Out of country medical for injury or 病: $500,000
  • 免赔额:$ 0
  • Mental nervous disorder: up to medical maximum
  • 牙科(仅适用于天然牙齿的损伤或疼痛缓解):$1,000
  • 安全, or natural disaster evacuation: $500,000
  • Emergency medical evacuation: 100% of expenses incurred
  • Repatriation of remains: 100% of actual expenses incurred
  • 行李延误:500美元 
  • Trip interruption: $5,000
  • 14-day sojourn travel before, during, or after DU-travel
  • Coverage of dependents traveling with a DU-traveler on DU-travel
  • Coordination with International ISO who provides medical referrals, 医疗监控, 索赔申请, 等.

  *Note: some of benefits (e.g.(行李延误)是在可报销的基础上支付的，并受某些条件的限制.

• How do I use the plan if needed?

  Just call Crisis24 at +1 443-569-8601. 他们可以为您提供医疗转诊，然后监测进展，同时直接与治疗机构合作，管理所有账单和索赔.

• Does this plan cover routine care?

  No. 本计划涵盖在单程旅行中发生的紧急和紧急事件. These occur suddenly 和 unexpectedly during travel abroad. 然而, 这可能是任何事情，从吃了新食物后的胃部不适到车祸后的住院治疗. The injury or illness must occur while on DU-travel.

• Are there some types of illness or injury that are not covered?

  以下免责条款适用于旅行援助计划和保险政策. This is only a general overview. 具体的政策条款和适用法律(而不是本概述)适用于任何特定事件. 如果您在国外旅行期间在从事下列活动时受伤或需要帮助, 您将没有资格享受DU提供的旅行援助和保险资源的福利:

  • 跳伞, 悬挂式滑翔运动, 跳伞, 登山, 任何摩托化速度比赛, 蹦极, 速度竞赛, 洞穴探险或洞穴探险, 直升机滑雪, 或者极限滑雪, 水肺潜水, 激流漂流, 冲浪.
  • Participation in any war, invasion, revolution, or insurrection
  • 飞行员的驾驶或学习驾驶或作为任何飞机机组成员的
  • Commission or the attempt to commit a criminal act
  • Dental work of any kind on teeth other than sound, natural teeth (e.g., if the tooth has a filling, there is no coverage)
  • Any non-emergency treatment or surgery, routine physical examinations, 助听器, 眼镜, 或者隐形眼镜

• Does this policy cover personal property?

  Traveler personal property is not covered by University insurance. 旅行者应确保房主或房客的保险涵盖个人财产, or purchase additional coverage appropriate to their needs 和 location. 除了, 例如，总是有可能出现大学保险不包括的索赔，这可能会给旅行者带来个人风险, activities outside the scope of duties as a University employee, violation of University policies 和 willful acts 和 crimes. 当涉及非大学活动时，个人房主和总括责任政策通常可以提供保护. Travelers should contact their personal insurer for specific details.

• May I waive my domestic insurance required to attend DU?

  No. 您必须保持您的ACA符合国内保险计划的要求出席杜. 此旅行医疗计划不符合ACA规定，因为它是不提供国内保险的短期旅行计划.

• When is emergency evacuation triggered?

  当旅行者面临迫在眉睫的危险时，可能会触发紧急政治/安全/自然灾害撤离. Insured evacuation decisions are made at the discretion of our 旅行援助 partner，与保险公司、感兴趣的政府、旅游部门和旅行者协商. 仅仅因为旅行者感到不安全而想要离开并不是有掩护的撤离.

  当旅行者受伤或生病，无法在当前地点得到所需的治疗时，就会触发医疗后送. 这必须被指定为医疗上的必要，并包括运送到最近的能够提供适当护理的设施, not necessarily back to the U.S.

For a comprehensive list of FAQs, please see this document: