1. Youth Exchange Travel
Insurance
RI Board Decision
&
Summary
Working Group Chair
PDG Peter Kaye
D9550 Australia
Bangkok May 2012
_____________________

2. RI Board Decision
Meeting January 2012
C-9.Travel Insurance for Rotary Youth Exchange Students
DECISION: The Board
 agrees to establish mandatory minimum standard travel insurance
limits as shown in Exhibit C-9-b;
 notes that travel insurance for some students on exchange during
2011-12 and 2012-13 may already be arranged, and that the
minimum limits may not be fully implemented in all participating
districts until the 2013-14 Rotary Year

3. RI YE Committee mandate to
specifically address:
 Lack of door to door coverage
Outcome: “Provide coverage on a 24 hr basis from the time the student leaves
their home until they return home inclusive of any personal travel before and/or
after the agreed exchange period”
 Inconsistent coverage due to no recommended minimums
Outcome: Mandatory minimums established. RCOP amended accordingly
 Issues relating to coordination of the most suitable coverage
Outcome: Standard minimum benefits agreed to by all parties
 Dual insurance (Students forced to pay for two policies)
Outcome: Dual insurance to be avoided unless a statutory/legal requirement or
agreed to by all parties.

4. Summary of Major Benefits
Code of Policies 41.070.10
Effective January 2102
 Overseas Medical Benefits $1,000,000
 Accidental Death $100,000
 Capital Benefits / Disability $100,000
 Emergency Evacuation $50,000
 Repatriation upon death $50,000
 Political crisis or natural disaster $50,000
 Legal Liability $500,000

5. When do these Benefits apply?
 Immediately. (there is no “period of grace”)
Exceptions
Arrangements that had been completed prior to January
2012.
 Full compliance to be implemented for 2013-2014
exchanges.

6. Dealing with health service providers
In some instances, the refusal of some hospitals and
doctors to accept “foreign” insurance policies remains a
problem.
Now that we have a global insurance standard, it will be
possible in some circumstances for students to insure in
the host country with minimal financial cost.
Districts should contact their insurance provider in relation
to a DIC (Difference in Conditions) policy, which
acknowledges the medical coverage of the host country.

7. The principle of a DIC Policy
A Difference in Conditions policy acknowledges the
existence of another policy that covers the same risk. The
student’s own policy is then only required to respond to
claims not covered by the host country insurance.
As the sponsor district policy is not required to meet medical
claims overseas, that premium component is reduced.
As the host country insurance is not required for any claim
other than medical, that insurance cost is also reduced.
Outcome: 1. Insurance costs to parents are reduced.
2. Enables the option for medical claims to be
processed in the host country.

8. Acknowledgements
This is the culmination of 4 year’s work with grateful thanks
for the assistance from the following “true believers”.
 Chairs Tony Black, David Anderson & Neil McDonald
 RI staff, particularly Adam Doty and Kate Hoeppel
 Members of Insurance Working Group #1
 Members of Insurance Working Group #2
 Rotary Youth Exchange Australia Mission accomplished