Student Insurance

Central States Health Insurance

Reimbursement insurance, you must file a claim, health care provider is not responsible for filing a claim.

Policy number: GLMN00060501
Medical Expenses Benefits: If an Insured requires medical or surgical treatment for a covered Injury or Sickness that occurs during the Period of Coverage, the Company will pay the benefits described below. In no event will: (1) the Company's liability exceed $500,000 for each covered Injury or Sickness; (2) Covered Expenses exceed the usual and customary expenses for the geographical area where the services are rendered. For a covered Injury, the Company will pay 100% of the first $5,000 Covered Expenses incurred, subject to a per Injury deductible of $25. All Covered Expenses incurred as the result of an Injury exceeding $5,000 will be paid at 80%, subject to a deductible of $100 per Period of Coverage. For a covered Sickness, the Company will pay 80% of Covered Expenses, subject to deductible of $100 per Period of Coverage. All Covered Expenses will be paid at 100% when the Insured’s out-of-pocket expenses exceed $2,500.

$500,000 coverage
$100 deductible
20% co pay up to $2,500

Ace Insurance Company

Mail Claim To:
Administrative Concepts, Inc. (ACI)
994 Old Eagle School Road
Suite 1005
Wayne, PA 19087-1802

Claims Administrator:
Administrative Concepts, Inc. (ACI)
994 Old Eagle School Rd.,
Suite 1005
Wayne, PA 19087-1802
From within the USA and Canada: 1-888-293-9229
Outside the USA or Canada 1-610-293-9229
Fax: 1-610-293-9299

Program Administrator:
CMI Insurance, a MEDEX Global Group company
P.O. Box 19056
Baltimore, MD 21284

Underwritten by:
ACE American Insurance Company
436 Walnut Street
Philadelphia, PA 19106
Policy Number GLM N00060501

Health & Medical Issues

See page 37 of the Host Family Handbook.

Student Insurance

All CSRYE exchange students are covered by a medical/accident insurance policy which meets Rotary International standards. Some students arrive from home country with an additional policy either through their Rotary organization, or through a family insurance coverage.

If a student has two insurance policies, the policy from ‘home’ provides ‘primary coverage’ and the CSRYE Policy provides ‘secondary’ coverage.

If a student has only the CSRYE policy, then that will provide ‘primary’ coverage.

There are certain limitations and deductibles with all insurance policies. Students are responsible for any medical fees not covered by the insurance. Insurance coverage provided through CSRYE is effective from your date of departure to the date of return home.

Instructions for filing a claim are available Online at www.csrye.org

Rotary policies have some unique coverages that may prove important. Some examples include:

1. A worldwide travel assistance hotline. Students should carry this information while traveling. Students might need it if delayed in a foreign airport with nobody to help.

2. Reimbursement for airfare for a parent to join a student if hospitalized and needing family assistance.

3. Reimbursement for emergency return fees, should it be necessary to return home due to a family emergency.

Claims assistance is available through Rotary Channels. Contact the club YEO.

Vaccinations/Immunizations

Most countries require students to carry proof of vaccination record with essential papers. Students should arrive with all required vaccines completed. If this is not the case, contact your Rotary club YEO for instructions. The insurance will not pay for any vaccination, or immunization while hosted, please check with "free" health clinics or advise host families before they take the student for "flu" shots.

Medical Records

Some students arrive with prescription drugs, some arrive with a variety of ‘over the counter’ medications from their home country, and some arrive with physician orders for medications that need to be filled during the year or eyeglass prescriptions for ‘back-up’ if their glasses or contact lenses are damaged during the year. IF your student fits into any of these categories, make sure you contact the club YEO for instructions.

Occasionally, a student will arrive with a serious undisclosed medical condition. We NEED to know about this in Rotary IMMEDIATELY. Contact your YEO if you discover this – it’s important information to share.

Emergencies

Occasionally, an emergency happens in the student’s family overseas, that may require his/her return home. If this is the case, Rotary needs to be contacted to help handle this. If your club YEO or Counselor is not available, contact the Inbound Coordinator or District Chair right away.

If a return flight must be purchased, Rotary insurance will assist with this. The insurance company can purchase tickets on short notice, at rates that are unavailable to the public. They will NOT reimburse costs for tickets purchased independently.

Central States Downloads

Claim Form (downloads to desktop automatically)
For Anyone Assisting Students with Claims
Central States Policy
Insurance Information for Outbounds
Insurance Outline (coverage limits)
Emergency Assistance MEDEX
Natural Parent Medical Permission/Release Declaration (downloads to desktop automatically)