Insurance policy for freelance journalists and photographers on assignment.
The coverage, with three options, is valid 24 hours a day during any assignment of less than 90 consecutive days. ("The insured" is the person insured)
Option 1 provides medical and other assistance (3 euros per day)
Options 2 (6 euros) and 3 (7,5 euros) provide medical and other assistance plus compensation for:
accidental death during an assignment
disability resulting from an accident while on assignment
The indemnity is higher under Option 3.
The insured must notify Reporter Without Borders in writing before departure of the option chosen.
OPTION 1: MEDICAL AND OTHER ASSISTANCE
This includes services that can be useful abroad and to some extent in France:
Cancellation or postponement of appointments if the insured, for reasons of illness or accident, is unable to do so.
Sending or transmitting essential documents that have been forgotten or copies of those lost.
Looking for new local assistants (guides, secretaries etc) if those initially hired are no longer available.
Help with administrative procedures to replace a passport or other ID that has been stolen or accidentally destroyed during an assignment.
These services is provided free but the costs incurred will be borne by the insured or the policy-holder.
Medical expenses (worldwide)
Reimbursement of these incurred during an assignment as a result of illness, locally-contracted infection or accident.
An advance to pay for a hospital stay.
This coverage includes a deduction of 38.11 euros per incident and per person. Reimbursement for dental care resulting from an accident is limited to 304.90 euros per tooth a maximum of 1,524.49 euros per incident.
Personal assistance (worldwide)
Sending essential medicine unavailable in the foreign country where the assignment is being carried out.
Organisation of and payment for:
. medical transport and repatriation of the insured
. repatriation of the body to France in the event of death
. premature return of the insured in the case of death of a relative
. hotel and other essential expenses incurred by a person asked to visit the insured in hospital, up to 45.73 euros a day and with a maximum of 457.35 euros.
Travel incidents (worldwide)
In the event of a flight that is late, cancellation of a regular flight, refused boarding, missed connection (by more than 6 hours per incident) or late delivery of baggage (longer than 24 hours), the insured may receive compensation of up to 152.45 euros.
If victim of a plane hijacking, the insured may receive up to 3,050 euros for hotel expenses, food and further transport..
In the event of loss or theft of baggage or personal effects (including a deduction of 38.11 euros per incident), the beneficiary may receive up to 3,050 euros (2,286.73 euros for computer equipment).
Legal assistance (worldwide, except for France)
Legal fees incurred by the insured if prosecuted for unintentional violation of local laws in the country where the assignment is carried out may be reimbursed up to 3,050 euros.
Bail (worldwide, except for France)
If the insured has to pay bail as a result of unintentional violation of local laws in the country where the assignment is carried out, reimbursement of up to 7,625 euros may be paid.
Non-professional actions liability (worldwide, except for France)
If the insured is found to liable, under the laws of the country where the assignment is being carried out, for personal, material or immaterial damage involving a third-party as a result of action unconnected with professional activity, the costs incurred may be reimbursed up to 1,500,000 euros.
OPTIONS 2 and 3: MEDICAL AND OTHER ASSISTANCE, COMPENSATION FOR ACCIDENTAL DEATH OR DISABILITY, WITH EXTENSION TO WAR RISK
- MEDICAL AND OTHER ASSISTANCE
- ACCIDENT WITH EXTENSION TO WAR RISK
When the insured has an accident and dies within 12 months, the beneficiary shall be paid compensation to be determined by the policy-holder (Reporters Without Borders) at the time the contract is signed.
Compensation under Option 2 is 100,000 euros.
Compensation under Option 3 is 152,000 euros.
permanent partial or total disability
When the insured has an accident clearly resulting in partial or total disability, compensation may be paid amounting to the degree of disability as a proportion of the compensation set by the policy-holder (Reporters Without Borders) at the time the contract is signed, minus a deduction of 10 %.
Relative deduction: any accident resulting in partial or permanent disability of 10 % or less will not be eligible for compensation. For disability greater than 10 %, no deduction will be made.
The degree of disability will be determined according to the criteria used by the French social security system in cases of work accidents.
Accident coverage applies to accidents caused by undeclared civil or foreign wars of any duration, as long as the war takes place outside France and the insured does not take part in it.
Aid and assistance to individuals
The insured must, before taking any action, contacts ACE ASSISTANCE, whose address is on the insurance card.
In the event of hospitalisation, the insured must present the insurance card to hospital officials so they can contact ACE.
ACE will pay the hospital directly for the cost of the stay. The insured must then pass on to ACE any social security payments received in reimbursement for this care.
Reimbursement of medical costs other than the cost of hospitalisation will be made when the insured returns to France and presents receipts. Any refunds received from social security for these costs must be passed on to ACE.
Loss, theft or destruction of luggage
The insured must notify the appropriate local authorities within 24 hours of such an incident and within 10 days send ACE the original of the notification receipt, a detailed statement and all receipts necessary for estimating the value of the luggage.
Legal assistance, bail and third-party
The insured must, as soon as there is a development likely to establish his or her liability, inform ACE within five days verbally or in writing in exchange for a receipt.
ACCIDENTAL DEATH OR DISABILITY, WITH EXTENSION TO WAR RISK
The policy-holder or beneficiary must declare the accident within five days after it has happened or become known, except in fortuitous or unavoidable circumstances out the insured’s control.
The declaration must include:
the circumstances of the accident, including names of witnesses.
a death certificate (in the case of death).
documents proving the status of the beneficiary in the case of death and the address of the solicitor handling the will.
a medical certificate describing the injuries or wounds in case of disability.
EXEMPTIONS APPLYING TO ALL COVERAGE
The policy does not cover accidents:
deliberately caused by the insured
caused by the insured driving while drunk, when the blood alcohol level is as high or higher than the legal level in the country where the accident occurred.
caused by the insured’s use of drugs, narcotics or tranquillisers not prescribed by a doctor.
that occur when the insured is a passenger in an aircraft not operated by a public passenger carrier.
Caused by the effects of heat, mechanical, radioactive or other effects of the alteration of the atomic structure of matter or the artificial acceleration of atomic particles or radiation from radio-isotopes.
. the insured’s participation in any kind of betting, brawls (except in self-defence) or crime.
. the professional practice of a sport and the participation (even as an amateur) in motor races or sports known to be dangerous, such as ski-jumping, bungee-jumping and underwater diving.
. the riding of a motorcycle more powerful than 125 cc.
. the piloting of any kind of machine moving above the ground and the practice of any aerial sport, including hang-gliding, parachute-jumping, para-gliding or involving microlight aircraft.
COVERAGE OF MEDICAL EXPENSES
Coverage does not extend to:
the cost of false teeth, optical or hearing aids of any kind
dental treatment not arising from an accident.
treatment at a spa, convalescent home or physical therapy centre.
COVERAGE OF LOSS, THEFT OR DESTRUCTION OF LUGGAGE
Coverage does not extend to:
false teeth, optical or other artificial aids, cash, personal papers, commercial or official documents, travellers’ cheques, credit cards, plane or other travel tickets or vouchers.
loss or damage resulting from normal wear-and-tear, structural defects in luggage or damage caused by moths or vermin, cleaning or repair processes or clumsy handling of luggage by the insured.
damage resulting from the confiscation, seizure or destruction of luggage by order of the authorities.
luggage or personal effects left inside a vehicle.
professional equipment (cameras, photographic equipment, tape recorders etc).
Concerning computer equipment, the following are not covered:
the cost of repairs
extra usage costs incurred
damage covered by manufacturer’s warranty.
COVERAGE FOR NON-PROFESSIONAL ACTIONS ABROAD
This excludes damage:
caused by the insured during or as a result of hunting.
resulting from the use of cars, motorised machines, sailing or motorised boats, aircraft, saddled animals belonging to, driven by or looked after by either the insured or eligible third parties.
caused by fire, explosion or water on the premises the insured owns or occupies
resulting from participation in dangerous sports.
Other circumstances not covered:
the consequences of contractual arrangements made by the insured where the obligations involved exceed those required under common law.
punitive damages awarded by courts in the United States and Canada that are in excess of compensation for actual harm when the person liable has acted in an "anti-social manner," beyond negligence or not taking account of the consequences.
In areas where there is a risk of war, the insurer has an obligation to help but not necessarily to obtain a result. The insurer can only intervene in cases where a country’s air space is open and secure and if the insurer’s doctors have access to the insured. Also, ACE cannot intervene without the permission of the local authorities.
ACTIVATION OF THE INSURANCE POLICY FOR JOURNALISTS, PHOTOGRAPHERS AND FREELANCES ON ASSIGNMENT
A guide to using this policy (limited to members of Reporters Without Borders), deciding between the three options and how to benefit from them
CHOOSING YOUR COVERAGE
Before the assignment, you must choose the coverage best suited for you. Details of the three options are available from Reporters Without Borders.
The first option costs 3 euros per day, the second one 6 euros and the last one 7,5 euros.
You should choose as soon as you can (at the very latest before you depart) and inform Reporters Without Borders in writing.
The coverage will apply to your whole assignment, up to 90 consecutive days.
If the assignment is extended, you must inform Reporters Without Borders as soon as possible.
As from 1 May, the scheme’s assistance partner, ACE Europe, has imposed a surcharge for journalists going to the following countries : Afghanistan, Algeria, Colombia, Democratic Republic of Congo, Iraq, Iran, Israel, Palestinian Authority and Syria.
WHAT REPORTERS WITHOUT BORDERS NEEDS FROM YOU
The following must be provided before you leave:
The completed application form "Assignment Insurance" (obtainable from Reporters Without Borders) containing the places and dates of the assignment and details of who to contact.
A photocopy of your passport and press card.
Payment of the premium for the option chosen.
If you are not yet a member of Reporters Without Borders, please enclose a cheque of at least 15 euros to join.
Your coverage starts as soon as you receive a fax, letter or e-mail from Reporters Without Borders confirming that your application has been accepted.
HOW TO BENEFIT FROM MEDICAL AND ASSISTANCE COVERAGE
Coverage will only operate if you have sent to Reporters Without Borders before you leave, all the items listed above.
In the event of a problem (except in unavoidable circumstances beyond your control) you must contact ACE Europe, which handles the medical and other assistance part of the policy.
Details of how to contact ACE Europe are on the card Reporters Without Borders will give you before you set off on the assignment.
If you are hospitalised abroad, you must present the insurance card to hospital officials so they can contact ACE Europe directly.
If you have to see a doctor or buy medicine, you must pay the cost and get reimbursed by your social security authority and by ACE Europe, supplying the appropriate receipts.
HOW TO BENEFIT FROM ACCIDENT COVERAGE
Coverage will only operate if you have sent Reporters Without Borders before you leave, all the items listed above.
Before you leave, you must inform Reporters Without Borders in writing who compensation is to be paid to in the event of your death.
ACE Europe will be responsible for medical repatriation.
Permanent partial or total disability
If you have an accident during your assignment, you can activate the medical and other assistance part of the coverage (hospitalisation, medical repatriation etc). At the end of the assignment, you must obtain a medical assessment of the consequences of the accident and send it to ACE Europe along with all other documents needed to establish your disability.
Activation of insurance
Information and registration
Reporters Without Borders: Lucie Morillon, tel: (33) 1 4483-84-74 - firstname.lastname@example.org
Reporters Without Borders: Matthieu Fargeas, tel: (33) 1 4483-84-81 - email@example.com
Bellini Prévoyance: Stéphanie Venard, tel: (33) 1 4503-6185 - firstname.lastname@example.org