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Miscellaneous Insurance Coverages

Aircraft Non-Owned

If you pilot a personal or a rented aircraft, you should be aware of the University's policy for using this mode of transportation when conducting University business. The employee piloting an aircraft — while permitted with authorization — is not a recommended mode of travel.
However, if you find it necessary to travel by private airplane, here's what you need to do:

Get approval. You must have approval from your dean/vice provost or director.
File a Certificate of Liability Insurance. At least 10 business days before taking off, you MUST file with the UM Office of Risk & Insurance Management a certificate of aviation liability insurance showing the Curators of the University of Missouri as an additional insured with minimum limits of $2,000,000 per person, per occurrence and property damage.
Get insurance. Because the university will not be responsible for damage to the aircraft, it is recommended that you arrange for physical damage (hull coverage) insurance in all cases.

The Business Policy Manual addresses this mode of transportation in Section 504. For questions regarding this policy, please contact Risk & Insurance Management.

Reporting Claims: Contact Risk and Insurance Management

Athletic Accident Insurance

This coverage provides for medical and dental payments for injuries that may be incurred by intercollegiate varsity athletes while practicing for or participating in an intercollegiate event. Coverage includes travel to and from the event. Covered events include authorized and supervised practice sessions as well as the actual intercollegiate events.

Deductibles: Deductibles vary by campus.
Reporting Claims: All claims should be reported to the following:
NAHGA Claim Services
P.O. Box 189
Bridgton, Maine 04009-0189
Toll-free: 800-952-4320
Fax: 207-647-4569

Camps and Clinics Accidents

This is an accident-only excess policy over any other available coverage. However, the first $200 of medical/dental benefits will be paid by this policy without contribution from other available insurance coverages. This coverage provides medical payments for participants in events sponsored by the University that are registered with the insurer when the event of injury or sickness occurs during the course of the camp or clinic.

The current policy limits are:

Accidental Death & Dismemberment: $5,000. A $10,000 benefit applies for loss of both hands, feet or sight of both eyes.
Dental: $500
Injury: $2,500
Sickness: $750

The minimum "per camp/clinic" premium is $40, subject to change. You will need to contact your campus coordinator or Risk and Insurance Management to request coverage and find out the current rates.

Reporting Claims: All claims should be reported directly to the insurance company. Please request claim forms from the Office of Risk & Insurance Management.

Child Day Care Center Accidental Medical

Provides primary accident medical coverage for children in participating University of Missouri child day care centers. The accidental death and dismemberment benefit is $25,000, and the accident medical limit is $30,000.

Reporting Claims: Contact Risk and Insurance Management

Club Sports

The plans cover injuries that occur during play or practice of a Club Sports game, contest or match. Participants are covered while traveling as defined in the applicable Basic and/or Catastrophic policy.

Basic Accident Medical Insurance Plan Highlights
- A Medical/Dental benefit of $30,000 per person per covered accidental injury. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other insurance policy, service contractor worker's compensation coverage. Benefits are payable for expenses incurred within TWO years from the date of injury.
Catastrophic Injury Insurance Plan Highlights
- Lifetime Medical, Dental and Rehabilitation Benefits with a MAXIMUM of $5,000,000. Monthly Benefits payable if Totally or Partially Disabled. A Covered Accident Deductible (as selected by school), for medical, dental or rehabilitation expenses which must be incurred within TWO years from the date of injury. $10,000 Accidental Death & Dismemberment Benefit. Benefits are payable for covered expenses which exceed the deductible and/or for expenses not recoverable from any other valid and collectible insurance or similar benefit program. Additional Benefits for Total Disability.

Reporting Claims: Contact Risk and Insurance Management

Fidelity/Crime Insurance

This coverage provides primary coverage for loss of University money and securities including: public employee dishonesty; forgery or alteration; theft, disappearance and destruction; robbery and safe burglary; computer fraud; money order & counterfeit paper currency and credit card forgery.

Deductibles: $50,000 deductible; $100 deductible for money order and credit card forgery.
Reporting Claims: Claims are to be made by completing the Disappearance of Assets and Money, Form UM-155. These reports must be typed and submitted to the appropriate campus contact within 48 hours after notice of the incident.

Notary Bonds

There is a National Association of Notaries that offers a bonding program. For details, call 800-US NOTARY. The employee pays the premium and gets reimbursed by his or her department. Employees should not purchase the professional liability coverage.

Student Accident and Sickness

The University provides access to a voluntary student group accident and sickness program. The program is available to any registered student of the University and offers spouse and dependent coverage for additional premiums. You can obtain further information by visiting http://www.aetnastudenthealth.com and entering Missouri in the school name search to get the plan details for your campus.

Reporting Claims: Claims should be filed with Aetna Student Health. Please refer to the Web site or call customer service at 877-375-7905.

Student Travel Accident and Life Insurance

Provides primary coverage against loss of life, dismemberment and medical expense due to accidents incurred or resulting from any trip off campus as required by the student's regular curriculum or sponsored by a University recognized and approved student organization. This coverage does not include a sickness benefit. The life principle sum is $5,000. The maximum per-student medical expense is $1,000

Reporting Claims: Contact Risk and Insurance Management

Experiential (GL) for Students

The university does not usually provide general liability coverage for students. This coverage is available for students to purchase if needed for internship placements. All enrolled students participating in internships that require liability insurance are eligible to apply for coverage. The program will protect students against general liability claims at their clinical sites. All students must be current for the entire academic year.

Policy details:

Liability coverage for students enrolled in courses offering off-campus internships or other work experience where there are agreements with the University and the cooperating employer, subject to carrier review

Limits of $1 million per covered student with a $3 million annual aggregate limit for all covered students

Proof of insurance can be provided to meet cooperating employer requirements

To apply for coverage, please contact your campus representative.

Reporting Claims: Contact Risk and Insurance Management

International Travel

We have secured services for authorized international business travel. There is no cost for these faculty/staff international business travel resources. Please use this letter as proof of coverage for visa applications that require proof of evacuation and repatriation coverage. The U.S. Department of State has a site with country specific information including if a visa is needed for your destination. Click here for the coverage summary snapshot.

The services are provided by MEDEX and AIG WorldSource and include the following:

MEDEX provides 24-hour travel, medical and security-related assistance services to you while traveling Please note this IS NOT medical insurance.
- Please download the brochure with the full program details and your identification card to take with you during travel (faculty and staff ID card 8/1/2012-7/31/2013 or faculty and staff ID card 8/1/2013 – 7/31/2014; student ID card 8/1/2012-7/31/2013 or student ID card 8/1/2013 – 7/31/2014). This is an overview of services, for full details refer to the Program Descriptions.
- The MEDEX Member Center allows you to have complete management of your MEDEX program, including printing MEDEX ID cards, opening a case online, and reading the details of your MEDEX program coverage. In addition to MEDEX program information, the Member Center gives you access to:
  - MEDEX 360°m Global Medical Monitor: complete international health information
  - MEDEX 360°tr Travel Registry: travel and medical record storage
  - World Watch - detailed international security information.
- Services
  - Real Time Security Intelligence
  - Security Evacuation Services
  - Political Evacuation Services
  - Transportation After Security of Political Evacuation
  - Emergency Medical Evacuation
  - Transportation to Join a Hospitalized Member
  - Repatriation of Mortal Remains
  - Worldwide Medical and Dental Referrals
- Coverage Territory
  - More than 100 miles away from your permanent residence in your home country or Expatriates without regard to the distance from your Expatriate residence.
AIG WorldSource & Assist
- Download the program brochure and ID card.
Travel Assistance
- AIG WorldSource & Assistant provides toll free and collect telephone numbers for travel related assistance available 24-hours a day, 7 days a week for needs such as:
  - Medical Emergency Services
  - Lost Baggage/Passport
  - Evacuation and Repatriation
  - Legal Assistance
  - Language Interpretation
- While the Travel Assistance Program provides assistance in securing Medical Emergency Services, it does not provide payment for these services. Health care providers in some countries expect payment in advance before admitting or treating patients - even if your health insurance provides coverage in foreign countries. It's strongly recommended that all travelers plan for financial emergencies by carrying a credit card and/or information on whom should be contacted in the event it is necessary to make financial arrangements to pay for treatment.
- Coverage Territory: Anywhere in the world, excluding the United States of America, its territories and possessions, Puerto Rico, Canada and any country or territory for which a U.S. governmental embargo, sanction, or ban is in effect.
  - Reporting Claims: If you need assistance during your trip please contact the numbers on your ID cards for initial filing of a claim for services. If you have questions or need assistance in filing a claim please contact Risk & Insurance Management

Reviewed 2013-06-13.