An Insurance Working Group update on common challenges and strategies in student travel insurance. Kate Hoeppel Youth Exchange Senior Supervisor Rotary International

1. TITLE | 1
Student Travel Insurance Requirements
Kate Hoeppel, Senior Supervisor, RI

2. TITLE | 2
Why do we care about insurance?

3. TITLE | 3
Minimum Coverage Requirements (RCOP 41.060.11)
– 24 hour, door-to-door
– Valid in all countries during exchange
– 24 hour emergency assistance
– US$100,000 – medical, dental
– US$100,000 – accidental death, dismemberment, or
disability
– US$50,000 – transport or evacuation (medical
emergency)
– US$50,000 – repatriation of remains
– US$50,000 – transport or evacuation (non-medical
emergency)
– US$500,000 – personal liability

4. TITLE | 4
Resources & Reviews
The Insurance Working Group
– Established to provide assistance regarding
student travel and medical insurance
– Members from North America, Europe, South
America, Australia
– Contact details can be found in the YEO Directory
RI Insurance Reviews - new!
– Through recertification and on an ad-hoc basis
– List of reviewed insurance policies can be found
in YEO Directory

5. TITLE | 5
RI Insurance Reviews (now available in YEO Directory)
Program Name Districts
Broker and/or
Insurer
Date of RI Review
Demonstrating
Compliance
Italian Youth Exchange
Multidistrict Program
2031, 2032, 2050, 2060, 2071, 2072, 2080,
2090, 2100, 2110, 2120
ACE European
Group Ltd
15-May-2014
South Central Rotary
Youth Exchange Program
(SCRYE)
5080, 5390, 5500, 5510, 5520, 5610, 5630,
5650, 5670, 5690, 5710, 5730, 5750, 5770,
5790, 5810, 5830, 5840, 5870, 5890, 5910,
5930, 5970, 6000, 6040, 6060, 6080, 6110,
6150, 6170, 6190, 6200, 6760, 6800, 6820,
6840, 6860, 6880
CISI-Bolduc 25-Jul-2014
Rotary Youth Exchange
Australia (RYEA)
9455, 9465, 9500, 9520, 9550, 9570, 9600,
9630, 9640, 9650, 9670, 9675, 9685, 9700,
9710, 9780, 9790, 9800, 9810, 9820, 9830
ACE 25-Jul-2014
Rotary Youth Exchange
Florida, Inc. (RYE Florida)
6890, 6930, 6940, 6950, 6960, 6970, 6980,
6990
CISI-Bolduc 21-Aug-2014
Rotary Youth Exchange
D5190
5190 CISI-Bolduc/ACE 8-Dec-2014
Rocky Mountain Rotary
Youth Exchange
5450 CISI-Bolduc/ACE 8-Dec-2014

6. TITLE | 6
RI Insurance Reviews (now available in YEO Directory)
Program Name Districts Broker and/or Insurer
Date of RI Review
Demonstrating
Compliance
Rotary International
District 9400
9400 Global Benefits Group 15-Jan-2015
Multidistrict Youth
Exchange Program
(Germany)
1800, 1810, 1820, 1830, 1841, 1842,
1850, 1860, 1870, 1880, 1890, 1900,
1940, 1950
HanseMerkur
Reiseversicherung AG
17-Apr-2015
Rotary District 2041 and
2042
2041, 2042
ACE European Group
Ltd
20-Apr-2015
Rotary International
Japanese Youth
Exchange Committee
(RIJYEC)
2500, 2510, 2520, 2530,2540, 2550,
2560, 2570, 2580, 2590, 2600, 2610,
2620, 2630, 2640, 2650, 2660, 2670,
2680, 2690, 2700, 2710, 2720, 2730,
2740, 2750, 2760, 2770, 2780, 2790,
2800, 2820, 2830, 2840
Japan's National
Health Insurance
(NHI), JI Accident &
Fire Insurance Co. Ltd,
and the Japan Travel
Bureau (JTB)
19-May-2015
Southern California/
Nevada Rotary
International Youth
Exchange (SCANEX)
5000, 5240, 5280, 5300, 5320, 5330,
5340, 5420, 5490
CISI-Bolduc 01-Jun-15

7. TITLE | 7
Common Questions & Challenges
My partner district says my students have to buy
their insurance…. do they?
– Host district must approve of coverage
• They know what local hospitals/medical providers will accept
– Coverage must meet or exceed RI minimum requirements
• They may require additional coverage based on local needs
• If local laws require that certain coverage be purchased, a “gap”
policy may be necessary

8. TITLE | 8
Common Questions & Challenges
I just found out that the coverage that my district
recommends does not meet RI requirements.
…What do I do?
– Talk to your insurance broker
• These requirements have been met in many countries!
• You may combine different policies to meet the requirements, if
necessary
– Contact the Insurance Working Group for assistance in
working with your broker
• Currency fluctuations are unavoidable

9. TITLE | 9
Common Questions & Challenges
Why can’t we have a global travel insurance policy to
cover all students on Rotary Youth Exchange?
– A survey was conducted in 2011: the majority of districts
would only support a global policy if it was voluntary
– Local insurance/nationalized healthcare would still be
required in certain areas

10. TITLE | 1 0
Resources
• Check the Directory
– List of reviewed insurance policies can be found
in YEO Directory
• Contact the Insurance Working Group
– Contact details can be found in the YEO Directory
youthexchange@rotary.org

11. TITLE | 11
Questions?