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ASSE INSURANCE POLICY SUMMARY
SITE Claims Service, 277 Lower Cliff Drive, Laguna Beach, CA 92651 USA

Maximum sums insured in USD

MEDICAL TREATMENT - Unlimited
If you need medical treatment due to an illness (a medical condition diagnosed as an illness), accident (a sudden and unforeseen event directly causing bodily injury), or assault (sudden and unforeseen external violence by another person directly causing bodily injury), costs deemed by the insurance company to be necessary and reasonable in relation to the treatment of your medical condition are covered for your entire stay abroad, except for psychiatric treatment or hospitalization due to illness which are covered for up to a maximum of 60 days of the stay abroad. Chiropractic care and physical therapy require advance written referral from a medical doctor.

SITE CLAIMS SERVICE (top of page) MUST GIVE ITS APPROVAL IN ADVANCE FOR ALL HOSPITAL TREATMENT AND FOR ALL OTHER EXPENSES LISTED ABOVE IF THE COST MAY EXCEED 1,500 USD. CONTACT YOUR ASSE AREA REPRESENTATIVE ABOUT PRE-CERTIFICATION.

Health certificates, vaccinations, routine medical exams, sports physical exams, eye exams, glasses and contact lenses, preventative care, acne (unless treated with antibiotics), treatment of pre-existing conditions, treatment of medical conditions related to pregnancy, lack of menstruation, mental illness, or use of alcohol, sedatives, narcotics, or other intoxicants are not covered.

Also not covered - injuries caused while participating in games or competitions when representing a national or local athletics organization or club, or injuries caused while: mountaineering, parachuting, bungee jumping, hang gliding, parasailing, scuba diving, participating in martial arts, racing with motor driven vehicles, motorboats or horses, occupational hazards, suicide or attempted suicide, criminal act committed by you or act of aggressive violence initiated by you, or costs due to means of transport having to change route because of your medical condition.

EMERGENCY DENTAL TREATMENT - 400 USD
Costs up to 400 USD in the aggregate for the insurance period are covered only for treatment necessary to temporarily alleviate acute dental pain. Pre-existing conditions are not covered.

RETURN TICKET - up to 2,500 USD
Ticket to return to host country and home again at program end if a parent/sister/brother has died or you had to return for medical treatment in your home country and are going back to the host country to complete your stay. The ticket/booking must be authorized by or booked and paid for by us.

DISABILITY - 100,000 USD OR DEATH – 50,000 USD
A lump sum compensation if your bodily functions are permanently lost or reduced solely due to an accident or assault. The maximum compensation corresponds to 100% disability and the payable amount is a portion of the maximum sum corresponding to the degree of disability, which is established according to the International standards of the Insurance Industry. A lump sum compensation and home transport if you die solely due to an accident or assault. Compensation for disability or death due to contamination by bacteria, virus or other contaminated substance or illness or defects or sickly changes in your health condition or following from injuries excluded from coverage for cost of treatment are not covered. Death or disability commencing later than 3 years from the accident or assault will not be paid for.

THEFT, ROBBERY, DAMAGE TO YOUR PERSONAL PROPERTY - 4,500 USD
We will pay for the less expensive alternative of a) repair of or b) market value of the damaged property if your personal property is stolen and we are provided with a copy of the police report, or if it is damaged by fire, storm, traffic accident, or catastrophe. For this purpose, market value is defined to mean the purchase price of a new item less an amount based on the age of the stolen/damaged property.

We will not pay for theft of money, jewelry, photo or electronic equipment, musical instruments, antiques or works of art (valuable property) from unlocked premises or premises to which more than you have access or from vehicles, whether locked or not. We will not pay for theft of other personal property from unlocked premises or when left unattended.

We will not pay for loss or damage due to wear and tear, unsuitable packing, damage due to liquid or smeary substances in your baggage, or any superficial damages without considerable effect on the usefulness of the item.

We will not pay for loss of or damage to motor driven vehicles, vessels, aircraft, animals, or property lost or damaged when left with someone for service orrepair. Passports and valuable documents are limited to 500 USD.

INJURY TO ANOTHER PERSON/DAMAGE TO ANOTHER PERSON'S PROPERTY - 700,000 USD
We will only pay for damages to other people's property or for another person’s injuries to the extent you are required to pay for such damages/injuries under applicable tort laws. This cove rage is subject to notice being given us as soon as you have any reason to believe that a legal claim may be made against you. At the very latest such notice is to be given when a claim is first made against you. You may not choose your legal counsel. We will appoint counsel for you. Bills from legal counsel not appointed by us are not covered under the insurance.

We will not pay for such damages/injuries/costs which emanate from your pursuit of business, trade or profession or from ownership, use or control of aircraft, vessel, motor driven vehicles, or real estate or from your use of deliberate aggressive violence. We will not pay for liability assumed under contract if in excess of applicable tort laws or damage to/loss of property which you have borrowed, rented or otherwise have in your care, custody or control.

LITIGATION - 30,000 USD
This coverage is subject to pre-certification of all costs by us and the appointment of legal counsel may be made only by us. Costs incurred before our appointment of legal counsel are not covered. Subject to these provisions, we cover your lawyers or litigation costs in case you are sued. We will not pay for costs pertaining to any kind of case emanating from activities excluded under the liability coverage above. We will not pay for costs pertaining to criminal prosecution, arbitration or cases deemed by us not fulfilling any justifiable interest or purpose to you.

DELAY - 400 USD
We will pay your necessary and reasonable costs for clothes, toiletries, board, lodging and transportation if your checked baggage is delayed by more than 12 hours or you yourself are delayed by more than 12 hours when traveling with public means of transport and the reason for the delay is technical breakdown, weather conditions, catastrophe, intervention by authorities, illegal intervention by force (hijacking) or labor conflict. This coverage is available only after you supply us with proof the claim has been made to the carrier, and will be reduced by any remuneration they may pay you.

ASSISTANCE AND PAYMENT OF CLAIMS If you have general questions about filing a claim or you simply want some advice, please contact your ASSE Area Representative. Completed claim forms (with your signature) should be sent to the address at the top of this page. If pre-certification of costs is required (see medical treatment), please contact your ASSE Area Representative.

Claims are to be made in writing by using and completing all relevant details on a proper claim form. You can obtain the claim form from your ASSE AreaRepresentative. Original detailed receipts, bills, and invoices you want to claim for payment are to be submitted with your claim form. In addition, attach medical records if claim exceeds 300 USD. You must submit a claim form in order for us to process and pay your claim. The health care provider cannot do this for you – the SITE claim form must be completed and submitted by you.

If you had medical treatment you should obtain a certificate of symptoms, diagnosis, treatment and period of treatment from the attending physician, signed by the physician. All claims related to someone's death are to be substantiated by a death certificate.

Theft, robbery, and assault must be reported to the local police and a copy of the report is to be submitted with your claim.

In addition you are obliged to furnish SITE Claims Service with whatever information they may require in order to process your claim.

You will be charged a processing fee of 18 USD for each illness, accident or any other individual event if all claims pertaining to that event are submitted at the same time and on the same (one) claim form. If more than one claim form is submitted for expenses and services which relate to the same event or occurrence, the 18 USD will be charged not only for the original claim but also for each claim following the original claim. To save money - collect all bills related to one event and submit them on one form. Do not submit more than one illness, accident or other event on the same claim form. Please do not send the 18 USD to us, it will be deducted from our reimbursement to you and/or the care providers.

This is a summary excerpt from the insurance conditions. The complete conditions may be obtained from your ASSE Regional Office or SITE Claims Service at the above address.

Where this summary differs from the insurance contract, the insurance contract conditions will prevail.

March 6, 2003

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