The host family can organize the student\u2019s insurance documents in advance and review the procedure outlined in the specific policy and the applicable General Terms and Conditions. This makes it easier to locate the provisions regarding the coverage option, scope, limits, exclusions, and the procedure to follow in the event of a claim.<\/p>\n\n\n\n
It is helpful to keep the policy separate from any miscellaneous materials regarding similar products. No internal memo can replace the policy or the general terms and conditions of insurance. The most important thing is to determine, Which documents pertain to a specific contract?<\/strong> and what actions they plan to take.<\/p>\n\n\n\n It\u2019s a good idea to organize your documents by specific policy. The policy, the applicable General Terms and Conditions, the selected coverage option, and the clauses should be read together, because the product name alone does not describe the full scope of coverage or the procedures to follow after an incident.<\/p>\n\n\n\n An organizational note may only indicate where documents are stored. It does not constitute confirmation of the scope of coverage<\/strong> nor is it the source of the procedure. All information regarding benefits, deadlines, and obligations must be verified in the documents pertaining to the specific contract.<\/p>\n\n\n\n You should not include promises such as \u201etreatment will be cashless\u201d or \u201ethe insurer will cover all costs.\u201d Whether a given event is covered and what benefits may be available are determined by the specific policy, the selected plan, and the applicable General Terms and Conditions. Limits, sublimits, conditions for payment, and exclusions of liability may also be relevant.<\/p>\n\n\n\n \u26a0\ufe0f Important: This organizational note does not determine the insurer's liability.<\/strong><\/p>\n\n\n\n The scope of coverage and the benefits payable must be assessed based on the specific policy, plan, and General Terms and Conditions. For example, in the Uniqa plan, the insured amounts, guarantee amounts, and sublimits represent the upper limit of liability per insured person; they are reduced by any amounts already paid and are specified in the policy and the plan table in the General Terms and Conditions.<\/p>\n\n<\/div><\/div>\n\n\n\n Start your review by determining which materials pertain to the contract you\u2019ve entered into. Do not create your own list of required information. Use only the information and documents specified in the specific policy and the applicable General Terms and Conditions.<\/p>\n\n\n\n Check the following in the documents:<\/p>\n\n\nTable of Contents<\/h2>\n\n\n\n
Why Organize Your Insurance Documents?<\/h2>\n\n\n\n
What to Check in Your Documents<\/h2>\n\n\n\n