MASTER GLOBAL BLANKET ACCIDENT AND SICKNESS INSURANCE PROGRAM

PERTAINING TO:
PARTICIPANTS ON UNITED JEWISH COMMUNITIES, INC. (UJC)
SPONSORED MISSIONS WHILE OUTSIDE THEIR COUNTRY OF RESIDENCE
including all Full-time employees of UJC and the Federations of North America

UNDERWRITER:                            LIMITS:
ACE AMERICAN INSURANCE COMPANY (ACE)            See attached SCHEDULE         

POLICY DATES:   2/20/2008 – 2/20/2009

  MASTER GROUP TRAVEL INSURANCE PROGRAM

SCOPE OF COVERAGE:
This Program, which insures Mission participants, applies only for the duration of the mission and only in Israel, including the occupied areas, the Autonomy, Jordan and Egypt.  Benefits are paid for Accidental Death or Dismemberment, Medical and Hospital Expenses, and for other Travel related losses as set forth in the Schedule attached.

Benefits are paid for losses resulting from Terrorist Acts as long as the individual insured did not take part in the acts and/or was not on Active Army Service at the time.  Benefits will also be paid where loss is due to Passive War Risk*, defined to mean actions taken by enemy or hostile forces where the individual insured did not take part in the acts and/or was not on Active Army Service at the time. 

*Except in the Occupied Territories and the Autonomy Areas A & B (where Israel does not hold both Civil and Security control).

KEY EXCLUSIONS:
Claims arising from:
•    Engaging in a Sports Activity
•    War (other than Passive War)
•    Radioactive, Biological or Chemical Weapons
•    Self-Imposed Injury or Illness
•    Use of Alcohol or Drugs
•    Pre-Existing Medical Conditions
•    Medical Expenses due to Malignant or Chronic Illness, Pregnancy, Aids and Organ Transplants

Excluded "dangerous" Activities include:
•    Flying in any Army Airplane or Helicopter
•    Cruising in any Army Sea Vessel
•    Participation in any Fire Shooting (Mitvach), or any usage of Guns
•    Diving when Diving Equipment Required
•    Water Sports other than Rafting and Kayaking
•    Winter Skiing
•    Entering Caves on Ropes
•    Bunjee Jumping
•    Air Gliding
•    Aircraft or Boat Usage except where operated by Approved Companies and Approved Team

Scheinblum Group Travel Accident Summary

 

* BENEFIT: 50% – AGE 76-80

   BENEFIT: 25% – AGE 81-85