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$1,000,000 Worldwide Automatic Travel Accident Insurance
Use this web page as a handy reference guide: This description of coverage is not a contract of insurance but is simply an informative statement of the principal provisions of the insurance while in effect. Complete provisions pertaining to this plan of insurance are contained in the master policy on file with the Policyholder: GE Capital Financial Inc. (GECF). If this plan does not conform to your state statutes, it will be amended to comply with such laws. If a statement in this description of coverage and any provision in the policy differ, the policy will govern.
THE PLAN: As an Ohio University Purchasing Card Holder (PCard Account) issued a PCard by the Purchasing Card Administration through GE Capital Financial Inc. (GECF), you will be automatically insured against accidental loss of life, limb, sight, speech or hearing while riding as a passenger in, entering or exiting any licensed common carrier, provided the entire cost of the passenger fare, less redeemable certificates, vouchers or coupons, has been charged to your PCard Account.
If the entire cost of the passenger fare has been charged to your PCard Account prior to departure for the airport, terminal or station, coverage is also provided for common carrier travel (including taxi, bus, train or airport limousine, including courtesy transportation; immediately,
a) preceding your departure, directly to the airport, terminal or station; b) while at the airport, terminal or station; and c) immediately following your arrival at the airport, terminal or station of your destination).
If the entire cost of the passenger fare has not been charged prior to your arrival at the airport, terminal or station, coverage begins at the time the entire cost of the travel passenger fare is charged to your PCard Account.
Common Carrier means any land, water or air conveyance operated by those whose occupation or business is the transportation of persons without discrimination and for hire. Back to top
ELIGIBILITY: This travel insurance plan is provided to Ohio University employees issued a PCard by the Purchasing Card Administration through GECF automatically when the entire cost of the passenger fare is charged to their PCard Account and while the insurance is effective. It is not necessary for you to notify the Purchasing Card Administration Office, GECF, or the Plan Administrator (Robinson Administrative Services, Inc.) when tickets are purchased. Back to top
THE COST: This travel insurance plan is provided at no cost to the Ohio University employee issued a PCard through GECF. Back to top
BENEFICIARY: The Loss of Life benefit will be paid to the beneficiary designated by the insured. If no such designation has been made, that benefit will be paid to the first surviving beneficiary in the following order: a) the Insured’s spouse,
b) the Insured’s children,
c) the Insured’s parents,
d) the Insured’s brothers and sisters,
e) the Insured’s estate. All other indemnities will be paid to the Insured.
“Insured” means an Ohio University employee who is issued a PCard by the Purchasing Card Administration through GECF. To designate a beneficiary please contact the Plan Administrator (Robinson Administrative Services, Inc.) by writing to the address listed at the bottom of this document. Back to top
THE BENEFITS: The full Benefit Amount is payable for accidental loss of life, two or more members, sight of both eyes, speech and hearing, or any combination thereof. “Member” means hand or foot.
One half of the Benefit Amount is payable for accidental loss of: one member, sight of one eye, speech, or hearing. “Member” means hand or foot.
One quarter of the Benefit Amount is payable for the accidental loss of the thumb and index finger of the same hand.
“Loss” means, with respect to a hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with respect to a foot, complete severance through or above the ankle joint.
The Plan Administrator will consider it a loss of hand or foot even if they are later reattached.
“Benefit Amount” means the Loss amount applicable at the time the entire cost of the passenger fare is charged to a PCard Account. The loss must occur within one year of the accident. The Plan Administrator will pay the single largest applicable Benefit Amount.
In no event will duplicate request forms or multiple PCard Accounts obligate the Plan Administrator in excess of the stated Benefit Amounts for any one loss sustained by any one individual insured as the result of any one accident.
Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. Back to top
EXCLUSIONS: This insurance does not cover loss resulting from: 1) an Insured’s emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection (except bacterial infection caused by an accident or from accidental consumption of a substance contaminated by bacteria), or bodily malfunctions;
2) suicide, attempted suicide or intentionally self inflicted injuries;
3) declared or undeclared war, but war does not include acts of terrorism. This insurance also does not apply to an accident occurring while an Insured is in, entering, or exiting any aircraft while acting or training as a pilot or crew member, but this exclusion does not apply to a passenger who temporarily performs pilot or crew functions in a life threatening emergency. Back to top
EFFECTIVE DATE: This insurance is effective 4/1/03 and will cease on the date the Master Policy 6477-58-23 is terminated or on the date your Eligible Account ceases to be in good standing, whichever occurs first. Back to top
PLAN ADMINISTRATOR: Answers to specific questions can be obtained by writing the Plan Administrator. To make a claim or designate a beneficiary please contact the Plan Administrator by writing to the address listed below:
Plan Administrator
Robinson Administrative Services, Inc.
208 South LaSalle Street
Chicago, IL 60604 Back to top
PLAN UNDERWRITER: Plan Underwritten by Federal Insurance Company
a member insurer of the
Chubb Group of Insurance Companies
15 Mountain View Road, P.O. Box 1615
Warren, NJ 07061-1615. Back to top |
