Terms & Conditions

The International LifeLine™ membership program simultaneously provides several layers of benefits to its Members.

International LifeLine™ Benefits include:

A. Evacuation service for a medically related incident
B. Worldwide repatriation to a hospital of the Member’s choice
C. Medical stabilization expenses prior to medical transport
D. Repatriation of mortal remains
E. Kidnap and extortion resolution services
F. Political & civil unrest evacuation services

WORLDWIDE MEDICAL EVACUATION, EMERGENCY MARITIME EVACUATION, & REPATRIATION BENEFIT DESCRIPTION

The Worldwide Medical Evacuation, Maritime Evacuation, & Repatriation benefit is part of the International LifeLine™ annual and trip memberships. This benefit provides the coordination of evacuation for a medically related incident, as well as repatriation services. To utilize the repatriation service, it requires the member to be admitted into a hospital* and will transport them to a hospital closer to home or hospital of their choosing. (*see Country exclusions below). All operations are coordinated by the International LifeLine™ Response Center. The International LifeLine™ Response Center is staffed 24/7/365 to liaise between medical personnel and the Membership holder. Our services include 24-hour multi-lingual support. This allows our staff to coordinate and liaise with patients, their families, doctors, nurses, and specialists across the world — no matter what language is spoken locally.

BENEFIT LEVEL

The International LifeLine™ program will provide medical evacuation, maritime evacuation, and repatriation to a hospital nearest your home or hospital of your choosing that is capable of providing the treatment you require, as determined both by the physicians providing your current treatment and by International LifeLine™. Medical evacuation and repatriation will take place in a medically equipped and staffed aircraft, ambulance, or other mode of transportation. The amount covered is specified in the scale of benefits as detailed in the Benefits Sections “A” through “D” below:

Section	Benefit	Benefit Limit (USD)
A	Search and Rescue Benefit Level for a Medical Related Event Emergency Maritime Evacuation	Up to $50,000 Up to $200,000
B	Repatriation to Hospital Near Home	Up to $1,000,000
C	Medical Expenses for $1500 (USD) Per Day (Maximum 7 Days) to Stabilize Members Prior to Evacuation	Up to $10,500
D	Repatriation of Mortal Remains	Up to $10,000

If an International LifeLine™ Member is injured or becomes ill during a trip, International LifeLine™ will arrange and cover the costs of medical repatriation benefits up to the Benefit Level specified in Table A for delivery of benefits required by the Member and arising from any incident notification made by Members, subject to these Terms and Conditions, whose membership is valid and current at the time of and during incident period for:

A. Emergency medical evacuation expenses incurred on the advice of the Doctor or Emergency Services appointed by the Medical Emergency Provider to transport the Member to a Medical Facility (known as Medical Facility ‘A’).
B. Repatriation expenses incurred to transport the Member to a Medical Facility (known as Medical Facility ‘B’) nearer to the Member’s permanent residence, or to the hospital of their choosing, following an emergency medical evacuation provided that:

a. The Doctor agrees that the Member is sufficiently fit to travel, if necessary, by air ambulance or other appropriate specialized transport; and

b. Such Member is 99 miles or more away from their permanent residence.

C. Medical expenses incurred in Medical Facility ‘A’ following emergency medical evacuation for medical, surgical, hospital,or ambulance fees or other diagnostic treatment given or prescribed by a Doctor and for charges for staying in a nursing home.
D. The expenses to send home a Member’s ashes or body if they die during a covered Trip (Repatriation of Mortal Remains).

PAYMENT CONDITIONS AND LIMITS TO BENEFIT

• The Member must not try to provide solutions to medical emergency problems encountered without involving the appointed Medical Emergency Provider. If the appointed Medical Emergency Provider is not involved, International LifeLine™, at its sole discretion, may not pay for the costs of the incident.
  • If, in good faith, International LifeLine™ incurs emergency medical evacuation or repatriation expenses for any person other than the injured or ill Member, the Member will reimburse International LifeLine™ for all such costs incurred.

KIDNAP & EXTORTION RESOLUTION AND POLITICAL EVACUATION BENEFIT DESCRIPTION

If an International LifeLine™ Member becomes illegally detained by any third parties, International LifeLine™ will provide, to its Members:

A. “Kidnap & Extortion Resolution” service, which will pay the fees and expenses of Guidry Group as Response Consultants to assist Individual Members in the event of a Kidnap or Extortion.

B. a guarantee of payment, up to the Limits of $1,000,000 for Losses arising from any claim by Members under the “Kidnap & Extortion Resolution” membership benefit specified in the below table for delivery of benefits required by the Member and arising from any incident notification made by Members, subject to these Terms and Conditions, whose membership is valid and current at the time of and during incident period.

If an International LifeLine™ Member requires emergency evacuation due to a political event, International LifeLine™ will provide to its Members:

A. “Political Evacuation” service. This covers any costs and expenses necessarily incurred by a Member(s) arising during a trip in order to assist in a Political Emergency Evacuation following an Evacuation Advisory, provided that such services have been managed by the Emergency Provider appointed by International LifeLine™.The amount covered is specified in the table below.

Section	Benefit	Benefit Limit (USD)
E	Kidnap and Extortion Resolution Services	Up to $1,000,000
F	Political Evacuation Services	Up to $50,000

GENERAL CONDITIONS

Medical Evacuation, Emergency Maritime Evacuation, & Repatriation Conditions:

• International LifeLine™ will make all arrangements for medical evacuation, emergency maritime evacuation, and repatriation.
• Member must be hospitalized and admitted as an inpatient at the hospital to which they are being repatriated.
• If the medical condition allows, the Member will be transported by scheduled airline, or other transit system, while in the care of the International LifeLine™ assigned medical team.
• Evacuation transportation will be performed if the Member needs to be hospitalized as an inpatient and the remaining inpatient stay can be completed at a hospital near the Member’s home.
• International LifeLine™ will cover medical expenses for stabilization prior to evacuation and repatriation only.  The amount covered is specified in Table Above.

• Decisions concerning the urgency, timing, and most suitable means of transportation will be made by the Medical Emergency Provider after consultation with the local attending physician and the receiving physician. 

 

Kidnap & Extortion Resolution Conditions

• International LifeLine™ will coordinate with the Guidry Group to evaluate the situation, advise, and assist in the resolution of the crisis.
• International LifeLine™ will cover fees and expenses for services provided by the Guidry Group as Response Consultants. The amount covered is specified in Table Above. 

Emergency Political & Civil Unrest Evacuation Conditions

• International LifeLine™ will make all arrangements for political/civil unrest evacuation.  
• International LifeLine™ will cover expenses incurred for the political evacuation services. The amount covered is specified in Table Above. 

EXCLUDED TERRITORIES

Worldwide Emergency Medical Evacuation & Repatriation (SECTIONS A – D)

Territories from which Medical Evacuation & Repatriation memberships may not be utilized include (subject to change): 

Afghanistan, Chechnya, Cuba, Democratic Republic of Congo, Iraq, Iran, Israel (West Bank, Gaza and the occupied territories only), North Korea, Somalia, Mali, Ukraine, Russia, Sudan, and Syria.

Kidnap and Extortion Resolution Services (SECTION E)

Territories from which kidnap and extortion resolution memberships may not be utilized include (subject to change):

Afghanistan, Chechnya, Democratic Republic of Congo, Iraq, Israel and Palestinian territories, Venezuela, Myanmar, Haiti, Syria, Yemen, Libya, Pakistan, Lebanon, North and South Sudan, Ukraine, Belarus, Russia, and any US/UK/European Sanctioned Countries.

Territories from which Kidnap and Extortion Resolution memberships may not be purchased from (subject to change):

Afghanistan, Algeria, Belarus, Benin, Burkina Faso, Cameroon, Central African Republic, Chad, China, Colombia, Democratic Republic of Congo, Timor-Leste, Egypt, Ethiopia, Georgia, Haiti, Honduras, Israel and Palestinian Territory, Iran, Iraq, Kenya, Lebanon, Libya, Mali, Mauritania, Mexico, Mozambique, Niger, Nigeria, North Sudan, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen and any US/UK/European Sanctioned Countries.

Political Evacuation Services (SECTION F)

Territories from which political evacuation memberships may not be utilized include (subject to change):

Afghanistan, Chechnya, Democratic Republic of Congo, Iraq, Israel (West Bank, Gaza and the occupied territories only), Venezuela, Myanmar, Haiti, Syria, Yemen, Libya, Pakistan, Lebanon, North and South Sudan, Ukraine, Belarus, Russia and any US/UK/European Sanctioned Countries.

EXCLUSIONS

The exclusions set forth are for the protection of our members and to allow International LifeLine™ to continue to offer this high value membership at affordable prices.

International LifeLine™ Memberships excludes incident notifications arising from, or contributed to, by any of the following:

• Any Member traveling or arranging to travel:
  • To obtain medical or convalescent treatment;
  • Against medical advice;
  • After a terminal prognosis has been made and/or contrary to health and safety restriction(s) from an Airline or Carrier;
  • To any country within the Excluded Territories stated previously.
• Criminal acts and/or felonious act of any Member.
• Civil commotions or riots of any kind.
• Any Member taking part in any form of operational duties as a member of the armed forces including as a reservist, volunteer, or mercenary.
• Any sickness, medical or mental condition, injury, illness, chronic or recurring disease suffered, or the undergoing of any planned or recommended medical procedure of a Member which the Member knew about or, in the Underwriter’s reasonable opinion, should have known about at the commencement date of such Member’s membership with International LifeLine™ (Pre-Existing Medical Condition).
• Any Member taking part in or training for:
  • Expeditions, time trials, and/or record attempts
  • Professional sports or riding/driving in any kind of race;
  • Skydiving, skysurfing, hang-gliding, paragliding, or aerobatics. For this latter part and for the avoidance of doubt, we are unable to cover you for any incident in which you tie, strap, hold, harness, or attach yourself in any manner to a sail, kite, chute, wingsuit, or any other method that lifts, propels, moves or supports you either in the air, water, or on the ground.  Licensed ski lifts, tows, and cable cars ARE covered. Licensed private aircraft ARE covered. Sailing vessels ARE covered.
• Negligent and willful exposure to dangerous situations except in an attempt to save human life. This does not exclude reasonable dangers associated with normal activities that a normally prepared person would engage in.
• Inadequate provision or training or competence needed to safely complete the trip being undertaken, as defined by regular participants of stated activity.
• Failure to observe Coast Guard and/or Emergency Services’ instructions, including posted notices and warnings that directly lead to a reported or escalated incident.
• Being under the influence of or being affected by alcohol or drugs, unless under the advice of a doctor for a condition other than alcohol or drug addiction.
• Suicide, attempted suicide, and/or deliberate self-injury, whether of sound mind or not.
• Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or radioactive toxic explosion or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• A decision not to travel and/or to not continue to travel is not considered a qualifying event.
• A change in financial circumstances(i.e.requesting transportation solely due to theft of funds, credit cards, or airline tickets.) is not considered a qualifying event.
• Failure to obtain a passport, visa, or other necessary travel documentation.
• Any cause, which existed, had started, or had been forecasted or for which advance warning had been given before the trip being undertaken had commenced.
• War or acts of terrorism.
• Engaging in active war.
• The Member is entitled to indemnity or recovery from any other insurance policy.
• Arising from fraud, concealment, or deliberate misstatement by the Member in relation to any matter affecting this Policy or in connection with the making of any incident notification hereunder.

Exclusions applicable to Emergency Medical Evacuation, Emergency Maritime Evacuation, Repatriation, and Medical Expenses costs ONLY:

• Tuberculosis or other chronic airborne pathogens;
• Costs and expenses incurred to transport the property of a Member other than any costs and expenses to transport one small carry-on bag during emergency medical evacuation or repatriation;
• Any treatment not confirmed by a doctor as medically necessary;
• Any additional traveling or accommodation expenses which International LifeLine™ or their appointed Medical Emergency Provider have not authorized if a Member has to return home earlier than planned or be repatriated from a trip;
• Surgery, medical, or preventative treatment, which can be delayed in the opinion of a doctor treating the Member, or the appointed Medical Emergency Provider, until the Member returns home;
• Medication a Member is taking before and which he or she will have to continue to take during a Trip.
• General Medical Expenses but for the existence of this Benefit Program, be provided by any existing Insurance or Similar Scheme in the name of or in relation to the member.

Exclusions applicable to Enforced Political Evacuation ONLY:

• Forming part of а connected series of Insured Events, which commenced before the Period of Insurance shown in the Policy Schedule.
• Directly or indirectly arising out of or in any way involving the deliberate, fraudulent, illegal, malicious, dishonest or criminal act by the Member, whether acting alone or in collusion with others. which directly or indirectly arises out of or in any way involves 
  • any actual or alleged failure of the Member to procure or maintain authorized/official immigrant status and, work, residence or similar visa, permits or other documentation unless the Member can show that such allegations were intentionally false, malicious and made solely and directly to achieve а political, propaganda or coercive effect upon or at the expense of International LifeLine;
  • non-political evacuation from а country within 14 days after issuance of an Evacuation Advisory;
  • persons having travelled to а region at а time when an Evacuation Advisory has been issued in respect of that region;
  • any act or alleged act which would be а criminal offence if committed by the same party in the state where their headquarters are located or their country of residence;
• Comprising or directly or indirectly arising out of or in any way involving any liability to third parties arising from bodily injury, sickness, disease or death of persons or animals or from property damage or any other liability to third parties of whatsoever nature;
• Directly or indirectly arising out of or in any way involving any nuclear radiation or radioactive contamination except for those approved processes or techniques that are approved by appropriate governmental or other applicable regulatory authority;
• Loss or damage be electronic means including but not limited to computer hacking or the introduction of any form of computer virus or corrupting or unauthorized instructions or code or the use of any electromagnetic weapon.
• This exclusion shall not operate to exclude losses (which would otherwise be covered under this Policy) arising from the use of any computer, computer system or computer software program or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.

Exclusions applicable to Kidnap & Extortion Resolution Services ONLY:

• Forming part of а connected series of Insured Events, which commenced before the Period of Insurance shown in the Policy Schedule.
• Directly or indirectly arising out of or in any way involving the deliberate, fraudulent, illegal, malicious, dishonest or criminal act by the Member, whether acting alone or in collusion with others. which directly or indirectly arises out of or in any way involves 
  • any actual or alleged failure of the Member to procure or maintain authorized/official immigrant status and, work, residence or similar visa, permits or other documentation unless the Member can show that such allegations were intentionally false, malicious and made solely and directly to achieve а political, propaganda or coercive effect upon or at the expense of International LifeLine
• Comprising or directly or indirectly arising out of or in any way involving any liability to third parties arising from bodily injury, sickness, disease or death of persons or animals or from property damage or any other liability to third parties of whatsoever nature;
• Directly or indirectly arising out of or in any way involving any nuclear radiation or radioactive contamination except for those approved processes or techniques that are approved by appropriate governmental or other applicable regulatory authority;
• Loss or damage be electronic means including but not limited to computer hacking or the introduction of any form of computer virus or corrupting or unauthorized instructions or code or the use of any electromagnetic weapon.
• This exclusion shall not operate to exclude losses (which would otherwise be covered under this Policy) arising from the use of any computer, computer system or computer software program or any other electronic system in the launch and/or guidance system and/or firing mechanism of any weapon or missile.

DEFINITIONS (FOR SECTIONS A – D and F)

Active War – Active participation in a war by a Member who is deemed under English Law to be under instruction from or employed by the armed forces of any country.

Doctor – A Registered Medical Practitioner holding a valid license to practice medicine in a recognized international or domestic body. The doctor cannot be:

1. The Member (of the Qualifying Membership Benefit); or
2. An immediate family member of the Member, as it relates to evaluation of patient symptoms, conditions, or other relative medical information.

Expedition – An organized journey or voyage for a specific purpose; especially but not exclusively for exploration, or for a scientific or military purpose, and organized by a third party or an organized journey requiring a permit:

• Scientific research
• Filming of documentaries
• Nature conservation, charitable and developmental projects
• Military and/or government activities

Hospitalized/Hospitalization – Hospitalized as an inpatient at a Medical Facility on the advice of a Doctor.

Individual Member / Individual Membership – The subscribing individual to the Orbis International LifeLine™ Emergency Medical Evacuation and Medical Repatriation Services.

Medical Emergency Provider – International LifeLine™ authorized medical evacuation and repatriation provider.

Medical Facility – A legally registered establishment for ill or injured persons, which provides (a) medical and surgical treatment; and (b) 24-hour nursing care by registered nurses. This does not include:

• a convalescent, self-care, or rest home;
• a hospital department, which has the role of a convalescent or nursing home;
• a hospice; or
• a mental health hospital.

Member – Any individual who subscribes to the International LifeLine™ Membership (including the MEDEVAC program).

All annual membership periods are for 365 days (1 year) from the start of subscribed membership and are eligible for renewal by the covered member, including the option of setting up an auto-renewal for this membership.

In respect of Individual Membership, a Member will be the sole subscribing individual, however in respect of multiple memberships for family members or friends:

1. Child – Any Member’s (whether the subscribing individual to the Member’s membership or the subscribing individual’s Partner) natural, legally adopted, foster, or stepchild provided that such child is unmarried and under age 19 and permanently living with the member; or up to age 23 if in full-time education. 
2. Partner/Spouse – A Member’s legally married spouse, or registered civil partner under the Civil Partnership Act 2004, who permanently lives with the Member or a person who is permanently living with the Member and has been for at least 6 months and the relationship is in the nature of a marriage even though it has not been legally formalized.

Enforced Political Emergency Evacuation – The evacuation of a member(s) from the Country in which they are visiting/staying as a result of an Evacuation Advisory triggered by a Political Event.

Political Event – An event that may lead to an incident involving more than one Member, all of whom are traveling together as part of one group or party arising out of an:

• “Act of Terrorism” – an unlawful act, including the use of force or violence, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s), committed for political, religious or ideological purposes including the intention to influence any government and/or to put the public in fear for such purposes. 
•  “Sabotage” – willful physical damage or destruction perpetrated for political reasons by known or unknown person(s).
• “Riots” – any act committed in the course of а disturbance of the public peace (where such disturbance is motivated by political reasons) by any person taking part together with others in such disturbance or any act of any lawfully constituted authority for the purpose of suppressing or minimizing the consequence of such act.
• “Strikes” – any willful act of any striker or locked-out worker in the furtherance of а strike or in resistance to а lock-out or any act of any lawfully constituted authority for the purpose of suppressing or minimizing the consequence of such act.
•   “Civil Commotion” – same as “Riots
• “Malicious Damage” – all physical loss or physical damage resulting directly from an act(s) by anyone during а disturbance of the public peace where such malicious act is perpetrated for political reasons by known or unknown person(s).
• “Insurrection, Revolution, and Rebellion” – a deliberate, organized, and open resistance by force and arms, to the laws or operations of a sovereign government, committed by its citizens or subjects and/or а rising against а sovereign government or other authority.
• “Mutiny” – а willful resistance by members of legally armed or peace- keeping forces to а superior officer.
• “Coup d’etat” – the sudden, violent and illegal overthrow of а sovereign government or any attempt at such overthrow.
• “Civil War” – an internecine war, or а war carried on between or among opposing citizens of the same country or nation.

Evacuation Advisory – Advice issued by or on behalf of the national government of the member(s) home state to the effect that the member(s) should evacuate the country in which the member(s) is situated. 

Pre-Existing Medical Condition

• A medical condition for which a Member had received a terminal prognosis by a Doctor when they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• A medical condition for which a Member was awaiting an operation when they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• A medical condition for which a Member had been to a specialist, had a hospital consultation (other than for regular check-ups), had been admitted to a hospital overnight, or had received hospital treatments or investigations during the 3 month period prior to the date they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• Any form of cancer, blood disorder, psychiatric illness, leukemia, tumor, dialysis treatment, transplant, or dementia, from which a Member has suffered or for which a Member has received treatment (other than regular medication) during the 12 months prior to the date when the Member took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• Member has received treatment (other than regular medication) during the 12 months prior to the date when the Member took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• Any breathing or heart problem for which a Member required hospital treatments during the 12 months prior to the date when they took out their membership with International LifeLine™ or before the Member’s need for evacuation or repatriation occurred;
• A Member being diagnosed as HIV positive or requiring treatment for HIV or any HIV related illness.

Qualifying Event – An incident involving one or more covered Members being admitted as a patient for stabilization or continued care following an incident that occurs more than 99 miles from their place of residence.

Terrorism – An act including, but not limited to, the use or threat of force and/or violence of any person or group(s) of persons, whether acting alone, on behalf of, or in connection with any organization(s) or government(s), committed for political, religious, ideological, or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Trip – Any journey of 99 miles or more from a Member’s permanent residence. This benefit allows the covered individual the ability to travel without any restrictions relating to trip length.

War

• War, invasion, acts of foreign enemies, hostilities or warlike operations(whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power;
• Any act of terrorism; or
• Any act of war or terrorism involving the use of or release of a threat to use any nuclear weapon or device or chemical or biological agent.

DEFINITIONS (FOR SECTION E)

Active War – Active participation in а War by а Member employed by the armed forces of any country.

Extortion – The making of illegal threats either directly or indirectly to a Member to:

a. kill, injure or abduct a Member; or

b. cause physical damage to or loss of Property;

c. persons who then demand a Ransom as a condition of not carrying out such threats.

Kidnap – The actual or alleged illegal taking captive or abduction of one or more Members within the territory specified in the Schedule or Risk Details (as applicable) by persons who then demand a Ransom specifically from the assets of Member as a condition of the release of such captive(s) or abductee(s).

Member – Any person who subscribes to the International LifeLine™ Membership.

Property – Buildings (including fixtures, fittings and other contents), waterborne vessels and aircraft owned or leased by a Member, or for which a Member is legally liable.

Ransom – Cash and/or marketable goods or services surrendered or to be surrendered by or on behalf of a Covered Person to meet a Kidnap or Extortion demand

War – War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to or uprising, military or usurped power; or any Act of Terrorism or any act of war or Act of Terrorism involving the use of or release of а threat to use any nuclear weapon or device or chemical or biological agent.

As part of the International LifeLine™ Program, the Medical Evacuation & Repatriation benefit is a prepaid private Medical Evacuation Membership program and is not an insurance plan, travel insurance policy nor healthcare plan and, therefore, International LifeLine™ will not reimburse members for any expenses they incur on their own.

The International LifeLine™ Political Evacuation and Kidnap & Extortion Resolution benefits are prepaid private Political Evacuation and Kidnap and Extortion Resolution programs and, therefore, International LifeLine™ will not reimburse members for any expenses they incur on their own.

If you have any questions about the terms and conditions, please contact our Customer Support team by emailing them at This email address is being protected from spambots. You need JavaScript enabled to view it.

The International LifeLine™ Membership Benefit Products and Services are underwritten for Orbis Travel Safety Limited by Certain Underwriters at Lloyd’s. These policies indemnify International LifeLine™ in respect of benefits provided to International LifeLine™ members.  

Terms and Conditions Are Subject To Change.