insurance
Insurance Coverage Overview
- YOM has found the best short term team insurance/group emergency medical insurance plans including one available nowhere else!
- The best short-term team insurance rates on the web to save you money/time
- A simplified, single application process and immediate confirmations that saves time and make it easier for team leaders and summer team coordinators.
- All plans include medical and political evacuation, travel, return of remains, and many other benefits.
- Option to add trip cancellation as needed.
Schedule of benefits
Recommended
| Medical Maximums | $100,000 Medical Maximum is per person per Period of Coverage.(age 80+, maximum limited to $15,000) |
| Deductible | $250 Deductible is per person per Period of Coverage |
| Coinsurance | After You pay the Deductible, the plan pays 100% to the selected Medical Maximum. |
| Hospital Indemnity | $150 per night, up to a maximum of 30 days (Applicable to individuals traveling outside the United States only) |
| Dental (Accident Coverage) | To a maximum of $500 (Only available to programs purchased for 1 month or more.) |
| Dental (Sudden Relief of Pain) | To a maximum of $250 (Only available to programs purchased for 1 month or more.) |
| Emergency Medical Evacuation/Repatriation | $250,000 (in addition to the Medical Maximum) |
| Return of Mortal Remains | $25,000 |
| Return of Minor Child(ren) | $50,000 |
| Emergency Medical Reunion | $50,000 |
| Local Ambulance Benefit | $5,000 |
| Accidental Death & Dismemberment (AD&D) | $10,000 principal sum for Insured |
| Loss of Checked Baggage | $500 |
| Interruption of Trip | $5,000 |
| Unexpected Recurrence of a Pre-existing Condition |
Up to $20,000 (Applicable to U.S. and Canadian citizens traveling outside the United States; Age 65+, up to $2,500) |
| Political Evacuation | $10,000 |
| Hospital Room & Board | Usual, Reasonable and Customary to the selected Medical Maximum |
| Intensive Care | Usual, Reasonable and Customary to the selected Medical Maximum |
| Outpatient Medical Expenses | Usual, Reasonable and Customary to the selected Medical Maximum |
| Assistance Services | Included |
| Benefit Period | 180 Days |
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