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STUDENT INSURANCE INFORMATION |
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Insurance Information
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AVI Insurance Booklet
AVI Claim Form
AVI Summary Sheet
Student Insurance Summary AVI International All Global Insights students are covered by an insurance policy provided by AVI International. However, the policy number varies: AUS, BZL, DEN, NOR, POL, SWE If you are hosting a student with an ID number that starts with any of the above prefixes, the student’s policy number is FR32/620.068. If you are hosting a student with an ID number that starts with GMY (CAP German), the student’s policy number is FR32/670.077. If you are hosting a student with an ID number that starts with GRM (TASTE German), the student’s policy number is FR32/670.016. ALL students will be issued an ID card that lists the correct policy number and claims procedures. (GMY and GRM students will arrive with this card. All other students may find this ID card in their Student Welcome Packet from Global Insights upon their arrival.) Students should carry this ID card with them at all times and refer to it for information on how to file a claim. ALL host families can find an insurance brochure and claim form in the Host Family Welcome Packet. Please refer to this booklet for a summary of the policy, as well as the procedures to file a claim. Please keep this booklet in an easily accessible area in case the need for medical attention arises.
Important Policy Highlights:
1) Students can visit any doctor. However, if they visit a doctor suggested by the insurance company (after calling the insurance company’s toll-free number located on the ID card or using the online search feature below), that doctor will bill the insurance company directly and the student will not have to pay up-front. If the suggested doctor is not located conveniently or is simply not the doctor of choice, the student can visit another doctor but is likely to have to pay up-front and wait for reimbursement after filing a claim. It is suggested that students be reminded to take money with them to any appointment – host families are NOT expected to pay for medical expenses or loan money to students. (Please see instructions below on how to search online for a preferred provider that will bill directly.) 2) In case of an emergency, students should visit the closest hospital. In such cases, the insurance emergency center must be contacted within 24 hours in order to approve the charges and arrange payment with the hospital. All claims for medical services, prescriptions, etc., should be filed within 2 weeks of occurrence and students must submit original receipts for reimbursement. If students use an emergency room in non-emergency situations (flu, sinus congestion, sore throat, etc.), they will be responsible for paying a $250 deductible unless they are admitted to the hospital or present with an acute illness or accident. 3) Sports – School sports injuries will be covered – however, due to the extremely high cost of knee surgeries in the US, AVI will NOT pay for any knee operation, whether incurred doing a school sport or recreational sports. Rather, the insurance company will pay to send the student to his home country for surgery and then fly the student back to the US. For this reason, if your student is participating in sports with a risk for knee injuries, he/she is strongly encouraged to purchase additional insurance coverage for such situations. It is our experience that local school systems usually offer a supplemental insurance policy for students participating in school sports. Such policies may or may not provide such coverage but are worth evaluating. 4) Students are NOT allowed to drive ANY motorized vehicle and are NOT covered for injuries sustained when driving such vehicles. This includes cars, trucks, ATVs (3-4 wheelers), golf carts, jet-skis, snowmobiles, tractors, etc. The only exception is a riding lawn mower – any injury sustained on a riding lawn mower will be covered but any damage to property due to driving the mower will not be covered. The best policy is NEVER to make an exception to allow your student to drive any motorized vehicle. 5) Certain activities considered “high-risk” are excluded from coverage. Those include scuba diving, hang gliding, hunting, use of firearms or air/spring powered guns, parachuting, ice hockey, boxing, martial arts, parachuting, bungee-cord jumping, etc. Horseback riding is covered but horse jumping is NOT covered. Skiing within marked trails is covered but skiing outside marked trails is NOT covered. (see the brochure for more detailed information) 6) Dental coverage is NOT provided except in the case of a dental issue caused by an injury to the mouth. Exams, crowns, etc., are not covered.
Filing a Claim: Depending on the situation, claims must be sent to: If the student did NOT pay out-of-pocket and the doctor/medical facility agreed to bill the insurance directly but the invoices have not been paid, contact: AVI Assistance –
SelectCare Worldwide
If the student paid the doctor/medical facility out-of-pocket and needs reimbursement, OR the student has a non-medical claim (luggage or third-party liability), send original paperwork to: ARMSCO -AVI Claims
(Claims for lost/stolen/damaged property must be submitted within 5 days.) For additional information regarding the insurance coverages (including luggage coverage and third-party liability), as well as information regarding policy exclusions, procedures on how to file a claim, etc., please refer to the insurance brochure or contact the insurance company directly at the numbers provided in the brochure and above.
Online Preferred Provider Search: To search online for preferred providers that will bill directly to the insurance and not require out-of-pocket payment: Go to www.avi-international.info Click "English" In the CASE #1 box, enter the policy number (refer to the first page of this document for the policy number for your student. Enter only the last six digits with the period, for example, 000.000). Click "Validate" Click the blue tab "Provider Search in the USA" At the bottom on the page of directions, click the gray "Provider Search" box **Remember, it is NOT required that student visit only preferred providers. If the preferred provider is not conveniently located to the host family’s home, or the student/HF simply prefer another doctor, the student can visit ANY licensed doctor but may have to pay out-of-pocket and wait for reimbursement.
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