Effective Date of Coverage
Your coverage becomes effective the first day of the month following the date your completed enrollment form and payroll deduction authorization are received by the Policyholder.
Termination Date of Coverage
Your insurance will end the first of the following dates: (a) the date you cease to be eligible; (b) the date any premium is due and unpaid, subject to the grace period; or (c) the date the policy terminates.
This plan offers protection on a worldwide basis, 24 hours a day, 365 days a year against any covered accident in the course of business or pleasure, including accidents on or off the job, in or away from the home, commuting, traveling by train, airplane, automobile or other private and public conveyances.
It also covers accidents while riding as a passenger (not as a pilot or member of a crew) and getting on or off: (a) any licensed civilian aircraft or its foreign equivalent; (b) any transport-type aircraft operated by the Military Airlift Command, the Department of National Defence (Canada) and the Royal Air Force Air Transport Command of Great Britain; or (c) any aircraft of the United States Department of Defense, other than a single-engine jet. The benefits provided herein are payable in addition to any other insurance which may be in effect at the time of the accident.
NOTE: Coverage is provided to an Insured while serving in the Medical Emergency Unit for Life Flight. Flight crewmembers are independent contractors, rather than Duke University employees, and are therefore not eligible for coverage.