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Insurance

School SEK – Ecuador

PERSONAL ACCIDENT POLICY – LIBERTY INSURANCE

COVERAGES (Per Student)

  • Accident Medical Expenses: $ 3,000.00
  • Accident Deductible: $ 40.00

DEFINITION OF ACCIDENT:

Accident is understood to be the event due to unforeseen, fortuitous and occasional causes of an external force that acting suddenly on the person of the insured, regardless of his or her will, produces clinically proven bodily injuries, which cause death, total permanent disability or partial, or temporary disability.

ACCIDENT NOTIFICATION:

Give notice of the accident to the General Secretary of the SEK International School – Ecuador, within a period not exceeding eight days after the accident, otherwise it will not be covered.

Estimated processing time from the presentation of the documents is 20 days.

CLAIM PROCEDURE:

a) MEDICAL EXPENSES PER ACCIDENT:

In the event of an accident, the insured student may be attended in any clinic or hospital of his / her choice and once the outpatient or hospital, clinical or surgical treatment has been completed, the student or his/her representative must present to the General Secretary the following documents to process the return of expenses:

1. Outpatient treatments:

  • Original invoices for medical fees
  • Original medical prescriptions
  • Original invoices from pharmacies (print out -electronic invoice)
  • Medical examination orders
  • Original invoices corresponding to the exams

2. Hospital Treatments:

  • Original bill from the clinic or hospital
  • Copy of the Medical Record
  • Invoice breakdown
  • RX plates and report

b) IN CASE OF STUDENT DEATH:

  • Original birth certificate or copy of identity card.
  • Original death certificate
  • Autopsy protocol
  • Body removal act
  • Any other documents that the company will need

A copy of the identity card of the legal representative, to whom the refund cheque will be issued

For more information contact:

Salomé Moncayo – General Secretary

Email: salome.moncayo@sekquito.com

Note: there is no ambulatory or hospital credit agreed with clinics and hospitals.