Business Services
Insurance
Insurance for Traveling Abroad
Miami University provides comprehensive liability insurance from AIG Insurance Company covering the University and its employees while conducting workshops or other University programs outside the United States. Included under this policy are general liability, contingent auto liability, employer's liability, and medically supervised evacuation and repatriation coverage. We want to ensure that employees are particularly aware of the automobile insurance and the executive assistance services available under the program.
The contingent auto liability coverage provides $1,000,000 coverage for the University's liability when you are using an automobile outside the United States on official Miami University business, regardless of whether it is owned, rented, or borrowed. Because this coverage is contingent, it is important that you do purchase the basic (minimum statutory) insurance package from the rental agency when abroad, including collision/comprehensive insurance. (Note: Do not purchase collision damage waiver or additional liability insurance for car rental within the United States, as this coverage is provided by the University's standard auto insurance policy.)
The AIG Assist coverage is for medical and personal (legal, travel, and security) services to assist faculty and staff with emergencies that may arise when abroad. The assistance services are reached through regional "800" numbers from anywhere in the world as detailed on the AIG Assist brochure. Services include:
- Medical Assistance - hospital admission deposit, medical monitoring, dispatch of a doctor or specialist, emergency medical evacuation, medically supervised repatriation, and repatriation of mortal remains;
- Personal Assistance - pre-trip medical referral information, emergency medication, embassy and consular information, lost document assistance, emergency message transmission, emergency cash advance, legal access, translations and interpreters, lost baggage assistance, currency exchange rates, weather information, benefits verification, and claims assistance;
- Travel Assistance - emergency family travel, transportation to join disabled employees, return of minor children, return of traveling companion, return of vehicle;
- Security Services - travel security information, security crisis center, political evacuation, contingency political evacuation.
This service and coverage is provided to not only employees, but also spouses, children, or other companion(s) when accompanying you while you are on official business for the University and traveling abroad.
In taking advantage of executive assistance, it is important to understand that except for covered evacuation, the policy generally provides assistance and referral- not the actual treatment or service. The policy will pay for:
- medical monitoring and evaluation of an ill or injured employee or other covered individual, including sending a physician to the victim if required to properly evaluate the condition;
- medically supervised evacuation for the victim to a facility where adequate treatment can be rendered. If necessary, they will return the victim to the United States for care, or in the event of death, will return the mortal remains;
- travel of a family member, companion, or children to accompany a victim in conjunction with a covered hospitalization, as listed above.
The actual costs of medical treatment are the responsibility of the employee and their medical insurance provider (e.g. Anthem). Likewise, for legal or personal services, the policy will cover the assistance, but the actual legal service or cost of replacing lost documents will be the responsibility of the employee. For additional information on handling international medical claims through the University's health care plan, contact the Benefit Services Office, Room 15 Roudebush Hall, telephone 513-529-3926.
For the information card on the brochure, the Group is "IUC-IC (Miami University)" and the policy number is WR10003560.