Sky Rescue

Sky RescueSM

Emergency Medical Evacuation

 

Sky Rescue provides scheduled coverage for individuals under the age of 65 traveling outside their home country for a minimum of three months.

 

 

 

Sky Rescue provides emergency medical evacuation and scheduled coverage for individuals under the age of 65 traveling outside their home country for a minimum of three months. The plan may be purchased for three months, six months or 12 months and can be rewritten for succeeding or subsequent periods. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions will apply and a new application must also be completed.

The plan may be purchased for three months, six months or 12 months and can be rewritten for succeeding or subsequent periods. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions will apply, and a new application must also be completed.

 


 

Quality Guarantee

Your satisfaction is very important to IMG. If, for any reason, you are not pleased with this product you may submit a written request for cancellation and refund of your premium. The request must be received by IMG prior to your effective date of coverage.

 

To Report Claims

Please mail completed claim forms to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. All IMG contact numbers, claim forms and Certificate Wordings will be included in the fulfillment kit. IMG may also be contacted by fax: 317-655-4505 or e-mail: insurance@imglobal.com.

 


 

This web page contains only a consolidated and summary description of all current Sky Rescue benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit. IMG reserves the right to issue the most current Policy Wording for this insurance plan in the event the application and/or brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.  

 

Benefit

 

 

Emergency Medical Evacuation

 

To US$100,000 when coordinated through the Plan Administrator
The plan includes coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable travel and accommodation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred up to US$100,000. Up to US$25,000 will be paid for the eligible costs and expenses of an emergency medical evacuation arising or resulting from a sudden and unexpected recurrence of a pre-existing condition.

 

Emergency Reunion
 

To US$15,000 when coordinated through the Plan Administrator

The plan provides emergency reunion coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

 

Return of Mortal Remains
 

To US$20,000 when coordinated through the Plan Administrator

If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of US$20,000.

 

Accidental Death and Dismemberment
 

Up to US$100,000

In the event of the accidental death of an insured, the plan will pay US$100,000 to the insured's estate or designated beneficiary provided that the death was not the result of a pre-existing condition. In the event of dismemberment suffered by an insured, the plan will pay as specified below:

 

Loss Benefit
Sight of one eye $50,000
One hand or one foot $50,000
One hand and the loss of sight in one eye $100,000
One foot and the loss of sight of one eye $100,000
One hand and one foot $100,000
Both hands or both feet $100,000
Sight of both eyes $100,000
 

Trip Interruption
 

To US$5,000

If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured?s principal residence, the plan will pay to return the insured to the area of principal residence. The plan will pay for a one-way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

 

Lost Luggage
 

To US$50 per item; maximum of US$250 per Period of Coverage

This benefit will be paid in the event that the Common Carrier permanently loses an insured person?s checked luggage. This coverage is secondary to any other available coverage, including the Carrier?s.
 

Returning Minor Children

 

To US$5,000 when coordinated through the Plan Administrator

If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the plan will pay up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).
 

Political Evacuation And Repatriation

 

To US$10,000 when coordinated through the Plan Administrator

If the United States Department of State issues a travel advisory that becomes effective or is in effect on or after the insured's date of arrival, the plan will pay up to US$10,000 for transportation to the nearest place of safety or for repatriation to the insured?s home country. The insured must contact the plan administrator within 10 days of the travel advisory and the evacuation/repatriation must be approved and coordinated by the plan administrator.

 

Personal Liability Coverage
 

As Described Below

Injury to a Third Person: Up to US$2,000 after a US$100 special deductible
Damage to a Third Person's Property: Up to US$500 after a US$100 special deductible
 
 
The above is only a consolidated and summary description of all current Sky Rescue benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit.

 

Exclusions

 

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Sky Rescue plan.

  • Pre-existing Conditions. A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
  • War, military action, terrorism, political insurrection, protest, or any act thereof.
  • AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
  • Charges for pre-natal care, delivery, post-natal care, and care of newborns, including complications of pregnancy, miscarriage, complication of delivery and/or complications of newborns.
  • Injury sustained while participating in amateur or professional sports, including practice or preparation for such sports, or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, wind-surfing and whitewater rafting.
  • Charges, injuries and/or illness resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
  • Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
  • Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
  • Willfully self-inflicted injury or illness.
  • Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
  • Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
  • Treatment for mental and nervous disorders.
  • Charges incurred for any travel, meals, transportation and/or accommodations, except as otherwise expressly provided for in this insurance.
  • Any taxes, involuntary or forced contributions, assessments, charges, fees or surcharges imposed by any governmental agency or authority.
This web page contains only a consolidated and summary description of all current Sky Rescue benefits, conditions, limitations and exclusions, and is subject to all of the terms and conditions of the full Policy Wording. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit. The Company reserves the right to issue the most current Policy Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.