Policy Summary

Summary of Benefits for Accident, Health and Liability Coverage subscribed by CHUBB.

This YEP Insurance program is only available to Students corresponding to the following categories:

  • Incoming UE : any student from a EU/EEA country travelling to any EU/EEA country (Inbound YEP)
  • Extra UE incoming.

Extra UE incoming

All students aged under 30 (thirty) are eligible, whose applications have been accepted by the Member Districts of MD Italia or 2041-2042, which participate in the Rotary International youth exchange program as guests.

Purpose of the insurance

The insurance coverage of this policy covers:

  1. The period of Insured stay in Italy, seat of Rotary Youth Exchange Program (YEP), so long as the stay is duly authorized in advance by 2041-2042 or MD Italia or by the relative Associated District, in accordance with currently effective rules for the travels of exchange students of Rotary International. The period of stay in Italy also includes leisure trips abroad, if authorized in advance by the hosting Associated District and organized by the latter or by the hosting family or by the school, and within a limit of 30 (thirty) total days, even non-continual.  Travel on the part of the Insured within his/her country of origin is, in any case, excluded.
  2. The journey of the Insured from the moment he leaves his home / residence to go to the host Country and from the moment he leaves the host Country to return to his residence, as stated in the related travel documents. This additional coverage period may not exceed a maximum of 48 h before the Insured arrival in Italy and 48 h after the Insured departure from Italy, with the exception of objective and external impediments that occurred during the journey, which can be duly documented and not attributable to the Insured’s will, which prevent journey fulfillment within 48h.

Effect and duration of coverage

The coverage will be effective from 00:00 h on Coverage effective date until 24:00 h on Coverage end date, as stated on Subscription Certificate and in any case, for a maximum period of 365 days from Coverage effective date.

The coverage is not effective when the Insured is abroad, with the exception of leisure travel that is duly authorized in advance by the hosting Associated District and organized by the latter or by the hosting family or by the school, and within a limit of 30 (thirty) total days, even non-continual.

The coverage is not applicable when the Insured is located within his/her country of residence/origin, except for the period in point 2 of section “Purpose of the insurance” here above.

Insurance cover and benefits

In the event of a conflict between this document and the content of Insurance Terms and Conditions, the latter shall prevail. 

ASSISTANCE DURING THE TRIP

INSURANCE LIMIT(€)

DEDUCTIBLE (€)

Telephone consultation with a doctor

No limit

No

Sending a doctor following telephone consultation with a doctor (only in Italy)

Max.3 times per Insured

No

Medical transfer

4,000 per Insured

200 per claim

Medical repatriation

80,000 per Insured

200 per claim

Repatriation of the Insured’s body

40,000 per Insured

200 per claim

Evacuation for safety reasons

80,000 per Insured

200 per claim

Trip of a family member in the even the Insured is hospitalised

4,000 per Insured (max. 75 € per day/overnight stay)

200 per claim

MEDICAL EXPENSES

INSURANCE LIMIT (€)

DEDUCTIBLE (€)

Medical expenses in the event of an accident/illness

944,500 per Insured

No

- in the event of expenses for chiropractic care

400 per claim (max. 10 visits/ max. 40 per visit)

No

- in the event of expenses for emergency dental treatment

300 fot tooth, up to max 2.000

No

- in the event of an accident following amateur sports activities

20,000 per Insured

40 per claim

DEATH AND PERMANENT TOTAL DISABLEMENT

INSURANCE LIMIT (€)

DEDUCTIBLE (€)

Death following an accident

80,000 per Insured

No

Permanent disablement following an accident

80,000 per Insured

No

- in the event of the loss of one or more members

100% of the insured limit of insurance

200 per claim

- in the event of the loss of one member

50% of the insured limit of insurance

200 per claim

- in the event of the loss of the thumb and index finger of the same hand

50% of the insured limit of insurance

200 per claim

- in the event of quadriplegia

100% of the insured limit of insurance

200 per claim

- in the event of paraplegia

50% of the insured limit of insurance

200 per claim

- in the event of hemiplegia

50% of the insured limit of insurance

200 per claim

in the event of accidents following amateur sports activities

20,000 per Insured

No

INTERRUPTION OF THE TRIP

INSURANCE LIMIT (€)

DEDUCTIBLE (€)

Cover for the interruption of the trip

2,400 per Insured

200 per claim

PROTECTION OF BAGGAGE AND PERSONAL EFFECTS

INSURANCE LIMIT (€)

DEDUCTIBLE (€)

Theft/loss/damage/failure redelivery of baggage or of personal effects

1,500 per Insured

150 per claim

- limit of compensation per object

150 per claim

No

Emergency replacement expenses due to late delivery of baggage (> 12h)

200 per claim

No

PERSONAL LIABILITY

INSURANCE LIMIT (€)

DEDUCTIBLE (€)

Civil liability towards third parties for damage to objects, persons and animals

400,000 per Insured

200

- in the event of damage caused to the home/belongings of the host family

4,000 per Insured

200

Main exclusions and limitations

The following is a list of the main exclusions and limitations, merely by way of example and is not limited to the same (for a full list of exclusions and limitations, refer to the Insurance Terms and Conditions):

  • students above the age of 30 (thirty) cannot be insured
  • trips to the country of residence/origin of the Insured
  • trips abroad not authorised by the host Member District
  • trips to a country where, at the time of departure, are subject to a prohibition or limitation (even temporary) issued by the competent Public Authority
  • extreme trips to remote locations that can only be reached with the use of special vehicles
  • the direct organisation of all of the services envisaged, or, in any event, without the prior authorisation of the Assistance Centre
  • illnesses which are a manifestation of or direct consequence of chronic or pre-existing conditions at the start of the trip and known by the Insured
  • drug addiction, HIV or AIDS
  • fraudulent intention, voluntary or premeditated acts by the Insured
  • the consequences of the abuse of alcohol or of the use of psychoactive drugs or narcotic drugs for non-medicinal purposes
  • participation in sports competitions or relative training, unless they are for recreational purposes
  • practice of aerial or air-related sports in general, extreme sports, reckless pursuits and any sport exercised professionally or which, in any event, entails direct or indirect payment.

The Insurer shall not be required to provide coverage or will be obliged to pay any compensation or pay any benefit under this policy if the provision of such coverage, the payment of such compensation or recognition of such benefit would expose the Insurer to penalties, prohibitions or restrictions provided for by the United Nations resolutions or trade and economic sanctions provided for by the laws or regulations of the European Union and individual countries that are part, of the United States of America or conventions international.

Policy Summary

HOW TO REQUEST ASSISTANCE

Contact the Company’s Assistance Centre, open 24 hours, by telephone:
+39 02 24128371.

Don’t take any initiative without having first telephoned the Assistance Centre!