As part of REI’s BTA program, you also have out-of-country medical coverage insured by AIG.
Coverage under the plan is automatic, with no enrollment required, effective the first day of employment.
How Out-of-Country Medical Works
If you suffer a covered injury or contract a sickness that requires you to be treated by a physician while traveling outside of your country of permanent residence during a trip of less than 30 days, REI will pay the usual and customary charges incurred for covered medical services received due to that injury or sickness up to the benefit maximum.
Who is insured?
- Employees: All active, full-time and part-time, employees working a minimum of 30 hours per week
- Legal spouses and domestic partners
- Dependent children: Unmarried, under age 25* and primarily dependent on the employee
*Children age 29 are eligible if attending an accredited institution of higher learning. Children over age 25 are eligible if incapable of self-sustaining employment by reason of developmental disability or physical handicap, and primarily dependent on employee.
What trips are covered?
- Business trip: A trip made on assignment by or at the direction of REI for the purpose of furthering business.
- Family relocation trip: A trip made in connection with the employee’s transfer or proposed transfer by REI to a new worksite. The trip must be authorized, or taken at the direction of, REI and/or must be paid for in whole or in part by REI.
Out-of-Country Medical Benefits
Under the AIG Out-of-Country Medical plan, employees and family members are covered for injury or sickness requiring treatment by a physician up to the following amounts:
- Employees: $100,000
- Spouses and domestic partners: $100,000
- Dependent children: $100,000
What services are covered?
Covered medical services include the following, as long as the service is medically necessary:
- Hospital semi-private room and board or use of ambulatory medical center
- Services of a physician or registered nurse
- Ambulance service to or from hospital
- Laboratory tests
- Anesthetics and administration of anesthetics
- Rental of durable medical equipment
- And more
This benefit is payable for charges incurred outside the insured’s country of permanent residence and 52 weeks after the date of the accident causing the injury or the onset of the sickness. The Out-of-Country Medical plan does not cover any expenses for or resulting from any condition for which the insured is entitled to benefits under any Workers’ Compensation Act or similar law.