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Insurance Included for all NRCSA Study Programs
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Insurance Is Included for Your NRCSA Study Programs
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Since 1968, NRCSA has been coordinating international multi-cultural programs. It has been our pleasure to have facilitated learning experiences for over 80,000 people of all ages and walks of life over the years.
NRCSA strives to provide the best international learning experiences - but our greatest concern is the well-being of those who register for our programs. Since the same unforseen problems occur abroad as at home, NRCSA has included the following basic medical and accident insurance in all of our programs for the past few decades:
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* 24 HOUR EMERGENCY TELEPHONE ASSISTANCE WORLDWIDE
* EMERGENCY MEDICAL EVACUATION for up to $25,000
* ACCIDENT INSURANCE for up to $10,000
* SICKNESS INSURANCE up to $10,000
* EMERGENCY REUNION up to $5,000
* REPATRIATION for up to $7,500
* ACCIDENTAL DEATH $5,000
INSURANCE IS INCLUDED IN NRCSA FEES for participants pre-registered for study through NRCSA using the NRCSA Preregistration Form from: one (1) day prior to the start of classes abroad for which they are pre-registered through one (1) day after the last day of class for which they prepaid through NRCSA. Insurance is secondary and designed to supplement your primary coverage. The annual renewal date is 8/31/2014. Refer to the policy for conditions, benefits, limitations, and eligibility.
HOW DOES IT WORK? When you register for a NRCSA program and are accepted, you will receive an Insurance Factsheet with information about how to use the insurance and 24 HOUR MULTILINGUAL WORLDWIDE HOTLINE.
TO EXTEND YOUR COVERAGE BEYOND PREPAID STUDY DATES, request extended coverage in writing, specify exact dates, and pay for extended coverage at least 15 days prior to departure. Extended coverage is available for up to 90 days beyond prepaid study dates at $5/day or $19/week or $65 per month payable to NRCSA. This policy is designed to supplement your other insurance.
WORLDWIDE HOTLINE. It is open 24 hours a day, 7 days a week and staffed by the insurance company. As a NRCSA student of any age or nationality, you may call the HOTLINE COLLECT during your covered dates from anywhere in the world for:
*Medical Emergencies *Medical Referral
*24-Hour Medical Monitoring *Emergency Travel Arrangements
*Lost Passport-Travel Documents-Luggage
*Embassy-Consulate Referral *Emergency Message Relay
*Emergency Translation *Legal Referrals
*Coordinating Emergency Prescription Replacement or Emergency Cash Transfer
Call Any Time from Anywhere Collect!
FREQUENTLY ASKED QUESTIONS? Click here or contact NRCSA at the address below
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IS INSURANCE INCLUDED IN THE NRCSA PROGRAM COST?
Yes
WHAT ARE THE DATES OF COVERAGE?
The day before the first day of class until the day after the last day of class prepaid through NRCSA
MAY I EXTEND THESE DATES?
Extended coverage before/beyond study dates is available for up to a total of 90 additional days at a cost of $5/day or $19/week or $65/month, whichever is less. Request extensions in writing at least 2 weeks before initiating travel specifying first and last day of coverage desired. Extended coverage may be charged to your credit card.
WHAT IS THE GEOGRAPHIC COVERAGE?
Worldwide outside country of origin. (If departing from the USA, you are covered in all countries EXCEPT the USA). Once you return to your country of origin, the insurance terminates.
DO I HAVE TO ORIGINATE IN THE USA?
No, you may originate anywhere - Americas, Asia, Europe, etc. Medical evacuation is back to your country of origin.
WHAT HAPPENS IF I HAVE PROBLEMS ENROUTE?
You are covered if the problem occurs outside your country of origin and within covered dates.
ARE THERE LIMITATIONS?
Yes, read the policy which is on-line at http://nrcsa.com/pdfs/ins_policy.pdf for the entire list. A few sample exclusions include a) previously existing conditions (conditions for which you have been previously treated and which reoccur), b) suicide, c) pregnancy related, d) congenital anomalies, e) related to motorcycle driving, scuba, skiing, sky diving, piloting aircraft, professional sports, f) elective or cosmetic surgery and dental care (unless related to accident coverage) etc. Denial of coverage is rare but could happen.
WHAT DOES INSURANCE INCLUDE? Up to:
$10,000 Accident, deductible $100
$10,000 Sickness, $100 deductible
$25,000 Medical Evacuation, no deductible
$5,000 Emergency Reunion (if serious condition, having family join you)
$7,500 Repatriation (transportation of corpse)
$5,000 AD&D (death)
All are backed-up by a 24:7 worldwide emergency multilingual hotline. See policy for details.
HOW DOES IT WORK?
If you have a serious problem, have a question or concern, or need a physician referral or coordination of medical records, call the Emergency Hotline collect from anywhere in the world 24 hours a day. Their specialists routinely handle emergencies for government and corporate personnel, universities and others. Draw on their experience if needed.
WHAT IS MEDICAL EVACUATION?
Transportation to medical facilities which can deal with your condition. EXAMPLE: If you are struck by a vehicle in a remote location, you may need transport to a facility having a fully staffed emergency room. If you become ill and the condition cannot be diagnosed, you may need transport to city having better lab facilities for more sophisticated testing. Medivac could be within country to a better medical facility or to a nearby country with better facilities, or back home depending on the condition and part of the world.
WHO PAYS THE BILLS?
Technically, you pay medical providers, get a receipt, and apply for reimbursement . EXAMPLE: you have a cut and need it cleaned and perhaps stitches. See a physician, have it treated, pay locally and get a receipt for reimbursement (less deductible). If there is a serious condition treated by a larger provider capable of receiving international payment, often the insurance will be paid directly to the hospital or provider. EXAMPLE: a large hospital or air evac service can typically deal with international payments whereas a local physicial or dentist cannot.
HOW DO I GET REIMBURSEMENT?
Request a Medical Reimbursement Form (see your Medical Expense Benefit Schedule for phone and address). We also suggest reporting all medical problems (large and small) which you may encounter while abroad to the Emergency Hotline
IS NRCSA INSURANCE “ENOUGH”?
No, you can never have enough insurance. NRCSA insurance is worldwide secondary supplemental insurance. It is worldwide in that it may cover you anywhere in the world outside your country of origin. It is secondary in that it will only pay for covered items which are not included in your primary insurance. And it is supplemental in that many items covered by this insurance are not covered by your primary insurance. For example, your primary insurance may not provide 24:7 assistance, multilingual assistance, legal referral worldwide, medical professional referral worldwide, medical evacuation worldwide, or reimbursement for medical expenses incurred worldwide.
WHY DOES NRCSA INCLUDE INSURANCE?
Over the past 38 years, NRCSA has included insurance which meets the emergency needs of 99% of our students. Our goal is to offer expanded health and welfare support systems while maintaining affordable costs for all.
HOW DANGEROUS IS IT TO TRAVEL?
Similar problems exist here and there. The biggest hazard (here and there) evolves motor vehicles, either as an occupant or a pedestrian. Next comes activity-related accidents (swimming, biking, jogging, etc). Sickness is third, but most illnesses are treated in a matter of days. For information related to health and safety, see http://www.cdc.gov/travel and http://travel.state.gov
WHAT IF I DO NOT WANT NRCSA INSURANCE?
To obtain the best insurance value for NRCSA participants, the coverage is uniform - all NRCSA participants of all ages have the same basic medical-accident-med-i-vac insurance and hotline access. As a result, there is no prorata refund if a student does not want basic insurance.
WHAT ABOUT NON-STUDENT ACCOMPANYING FAMILY MEMBERS?
If NRCSA is providing housing or other services, basic insurance is included. If NRCSA is not providing any services, no insurance is included.
HOW GOOD IS MEDICAL CARE ABROAD?
In general, medical care here and abroad is better in larger cities which have more medical professionals and labs. However, treatment options, delivery times, and availability of certain medications and diagnostic equipment may be quite different. In most countries, there are two levels of care - the national health system and the private system. NRCSA students use the private system where available since national health systems are often overburdened. The school staff has medical providers who they use personally and recommend - as do homestay hosts. For emergencies after school, you will also have local phone numbers for staff and/or lodging providers - and the 24 Hour Emergency Assistance Hotline number in the USA which you may call collect any time. If a problem occurs, report it to the Hotline and retain receipts for reimbursement.
DO STUDENTS GET TREATMENT HERE OR THERE?
Many students receive satisfactory routine medical care abroad for colds, blisters, toothache or infections.
A few students have significant problems and elect to have them treated abroad.
For example, a student had an infected appendicitis abroad and since she did not have health insurance back home, elected to have her appendectomy in Mexico. She was back in school in a week and costs were covered by the NRCSA insurance.
Others receive initial care abroad and follow-up care at home.
A student was biking in the Andes and missed a turn. She was medically evacuated to Quito where her condition was stabilized - and then flew back home. (Yes, she is fine. She happened to be a physician and was happy with her care in Quito.) In coordinating learning programs for about 80,000 people over 38 years, it appears to us that the rate of medical problems is about the same here and there.
WHAT ABOUT MY OTHER INSURANCE?
It is a good idea to periodically review your insurance needs with your agent. Generally, “normal” insurance which you have at home will cover many of your travel needs - but there may be exceptions and exclusions. For example, most homeowners and renters policies cover personal possessions while traveling which may eliminate the need for you to get baggage insurance. Check with your agent.
Problems seldom occur - but when they do, it is good to know that you have adequate insurance and communications options to facilitate a successful outcome. Have a healthy and rewarding multi-cultural learning experience.
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