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.
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.
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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:
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
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.
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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.
