PRODUCT SUMMARY 

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You will find the following information in the next few paragraphs:

• PRODUCT DESCRIPTIONS
• BENEFITS SCHEDULE
• KEY PROVISIONS
• OPTIONAL RIDERS
• SERVICE & SUPPORT
• ONLINE APPLICATION

PRODUCT DESCRIPTIONS

What Is MultiNational Accident Plan?

The first comprehensive Personal Accident and Assistance plan for international travelers, MAP features high limit Accidental Death and Dismemberment and high limit Permanent and Total Disability insurance - including coverage for losses resulting from most acts of War and Terrorism.

MultiNational Underwriters’ full spectrum of Travel Assistance Services is also included. This plan may be purchased alone or as a supplement to any other product offered by MultiNational Underwriters®.

Who Is Eligible?

If you are traveling outside of your Home Country and are at least 18 years old but not yet 65, you are eligible for coverage.

What Is The Maximum Claimable Amount?

You may select your Overall Maximum Coverage at $50,000, $100,000 or $150,000.

What Is The Maximum Insurable Age?

The maximum insurable age is 64.

What Are The Minimum And Maximum Initial Coverage Periods?

The minimum coverage period is 15 days and the maximum coverage period is either 3 or 12 months, depending on your destination.

When Does Coverage Become Effective and When Does it End?

Your Travel Assistance Services become available on the later of:

• the date we receive your Application and correct premium, or
• 10 days prior to your scheduled departure.

The rest of your coverage becomes effective on the later of:

• Midnight of the date we receive your Application and correct premium,
• the moment you depart from your Home Country, or
• Midnight of the date you request on your Application.

Your coverage will end on the earliest of:

• 12:01am of the last day of the period for which you have paid a premium,
• 12:01am of the date requested on your Application, or
• the moment you return to your Home Country.

Coverage is not renewable however successive periods of insurance may be purchased, subject to availability on the date of purchase.

 BENEFITS SCHEDULE 

International Assistance Services

All Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas plan is in effect.

A) Pre-Trip Health And Safety Advisories

Call MNU for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.

B) Livetravel Services

MNU will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

C) Bagtrak

MNU are the industry leaders in tracking lost checked baggage. MNU will help you locate your lost checked baggage and deliver it to you anywhere in the world.

D) Emergency Message Relay

MNU will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

E) Emergency Cash Transfers

MNU will assist you in arranging and obtaining cash transfers anywhere in the world.

F) International Citizen Assistance Services Also Include:

• Medical referrals
• Up-to-the-minute travel medical advisories
• Assistance with prescription drug replacement
• Dispatch of a doctor or specialist
• Emergency travel arrangements for family members
• Lost passport or travel documents assistance
• Embassy and consulate referrals
• Legal and accounting referrals
• Bail bond assistance
• Translation and interpretation assistance

MAP Travel Assistance Services are not insurance benefits and provision of any MAP Travel Assistance Services is not a guarantee of any other benefit under the MAP Plan.

Does MultiNational Accident Plan Provide any Home Country Coverage?

No. Only losses resulting from Accidents which occur outside your Home Country are covered.

How is Home Country Defined?

If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence.

If you are not a US citizen, your Home Country is where your Principal Residence is located. Your Principal Residence is your true, fixed and permanent home where you receive regular mail.

Are Acts of War and Terrorism Covered?

Under most circumstances, yes. Acts of War and Terrorism involving the use or release (including the threat thereof) of any nuclear weapon or device or chemical or biological agent are not covered.

What Are The Limitations?

• The total amount payable shall not exceed the amount corresponding to the largest single Sum Insured stated in the Certificate issued to the Member.
• Accidental Death benefit is payable to the Beneficiary selected by the Member and indicated on the Member’s Application. Death must occur within 365 days of the Accident, and must be directly attributable to and resulting from Bodily Injury sustained in the Accident.
• Accidental Dismemberment benefit is payable to the Member. The Member must survive the Accident for 30 days. Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.
• Permanent Total Disability benefit is payable to the Member. Permanent Total Disability is a disablement which entirely prevents the Member from attending to any business or occupation for which they are reasonably suited by training, education or experience and which lasts for 365 days beginning on the date of the Accident. At the end of that 365 days, the Member must be beyond hope of improvement as certified by a Physician selected by the Underwriter.

What Are The Exclusions?

Losses directly or indirectly caused by, contributed to by or resulting from the following are not covered under this insurance:

1. Accidents which occur prior to your Effective Date or subsequent to your Termination Date or in any country not disclosed on your Application.
2. Sickness or disease (except bacterial infection arising from Bodily Injury) or mental infirmity or emotional or psychological trauma.
3. Accidents which occur while the Member is incarcerated for any reason, and while committing or attempting to commit a criminal act.
4. Riding or driving in any kind of race and travel or flight in any aircraft or aerial device except for air travel as a passenger riding in or boarding or disembarking from any aircraft with a current and valid standard airworthiness certificate, operated by a pilot with a current and valid pilot 抯 certificate with a proper rating to pilot such aircraft.
5. Taking part in Armed Forces service or operations and taking part in any form of mine or ordinance clearance or disposal.
6. Suicide, self-destruction, attempted suicide or self-destruction and intentionally self-inflicted Bodily Injury while sane or insane.
7. Any drug taken, administered or injected (except on the advice of or as directed by a licensed Physician), any alcoholic beverage consumed by the Member to the level of intoxication, and any poison, chemical compound, gas or fumes voluntarily taken, administered, absorbed or inhaled.
8. Voluntary exposure to unnecessary danger (except in attempt to save human life).
9. Injury sustained while taking part in the following activities:
   • Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are non-contact and undertaken solely for leisure, recreational, entertainment or fitness purposes unless such sports or athletics are otherwise excluded by this provision.
   • Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher.
   • Hang gliding, sky diving, parachuting or bungee jumping.
   • Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body).
   • Spelunking.
   • Subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters.
   • Any other sport or athletic activity which is undertaken for thrill seeking and exposes the Member to abnormal or extraordinary risk of Bodily Injury or Death.

   This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact MultiNational Underwriters®

What Are The Optional Riders Available To MultiNational Accident Plan?

None

How Do I File A Claim?

Filing a claim is easy. When there is a claim, you can either:

• Access Client Zone by logging in at https://zone.mnui.com/clientzone/ with your policy number and Date of Birth (or password) to download the necessary forms; or
• Contact MNU Client Relations by e-mail via insurance@mnui.com or by phoning 800-605-2282 or 317-262-2132 (collect calls accepted).

Where Can I Get Help?

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, MNU is always ready to respond. Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:

• Change personal information
• Renew coverage and reprint ID cards
• Obtain details about claim filing, including downloading necessary forms
• Pre-Notify for certain medical procedures and hospitalizations
• Locate providers within the PPO Network
• Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
• Access health and wellness information
• View and download brochures, obtain policy information, or get quotes for other products offered by MultiNational Underwriters®

You may access Client Zone by logging in at https://zone.mnui.com/clientzone/

At times, there is simply no substitute for human intervention. MNU Client Relations team is available 24 hours a day, 7 days a week to answer your questions and may be reached at no cost through our worldwide toll-free numbers.

Here is how you can reach MNU Client Relations from anywhere in the world, 24 hours a day, 7 days a week :

• Within US, please call 800-605-2282;
• Outside US, depending on the country you are in, please dial the respective country’s toll-free number. Click here to download MNU worldwide toll-free numbers; or
• Call MNU collect from anywhere in the world at 1-317-262-2132

Immediate support is available in several languages and can be provided in many others with the assistance of a translator. If a translator is needed, the MNU Client Relations Specialist will arrange one.

What Are The Steps Involved In MNU Online Application?

Step 1: Choose your desired coverage

Step 2: Input a few basic information

Step 3: Get Quote

Step 4: Fill out online application form and payment method

Step 5: Confirm Order and Proceed to checkout

How Secure Is MNU Online Purchase?

All information submitted through our "Instant Online Quoting and Application System" is transmitted and received through a high security sequel socket layer server with 128 bit encryption, thus offering one of the toughest security protocols available for data security.

When you buy insurance through MNU, you maintain control of your purchase decisions at all times. MNU is dedicated to making your insurance purchase as fast, easy, private and secure as possible.

MNU Privacy Policy

MultiNational Underwriters® is vigorously dedicated to the protection of your privacy. As a result, we offer one of the strictest policies in the industry. That is: we will never give, sell, rent, lease or otherwise transfer your name or information specific to you, to any person or entity other than our insurer, Lloyd’s, London, and outside investigative agencies which are used in the normal course of insurance underwriting.

How Do I Apply For MultiNational Accident Plan?

To receive a quote and complete an application online, please click here.