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RISK MANAGEMENT LIABILITY
BRAZIL - DISTRICT 4760 RYEP
Ivan L. Vianna District 4760 BRAZIL
2004 OSAKA YEO PRE CONVENTION
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• This is a point of view from
• Someone who is a volunteer, like yourself
• Caring for the quality of this program, also I
  have fully lived it as
• Rotary exchange student
• Father of an exchange student
• Host father of several inbound students
• Rotarian YEO at Club, District R.I.

BRAZIL - DISTRICT 4760 RYEP
I am not an insurance broker or insurance expert
I am not a lawyear I am an ordinary Rotarian
2004 OSAKA YEO PRE CONVENTION
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What is the definition of Risk management given
by ROTARY?
BRAZIL - DISTRICT 4760 RYEP
It is given written in the R.I. YE Handbook
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What is risk management?
Risk management is a way to identify and avoid
some future event that may cause harm. It
provides a framework and suggested strategies for
recognizing such an event. Practicing risk
management requires you to ask and answer four
basic questions
BRAZIL - DISTRICT 4760 RYEP
1. What could go wrong?
2. What can you do to prevent it from occurring?
3. If something goes wrong, how will you respond?
4. How do you ensure the effectiveness of your
program and keep it current?
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• What could go wrong in RYEP ?
• Host YE student illness, accident or death
• Insurance did not work out as it should
• Sexual harassment/Abuse
• Depression
• Drugs and related aspects
• Passion love affair, pregnancy
• Radical sports diving, sky-diving, alpinism
  other sports not covered by reg. insurance
• Others you may add many others (if U wish)

BRAZIL - DISTRICT 4760 RYEP
Why so many? Would that happen because we deal
with teenagers? No, living is risky
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RISK MANAGEMENT IN THIS PROGRAM MEANS to reduce
the probability of claims lawsuits. Basically,
you may do it by taking 4 actions

• Have a reliable insurance policy that can
  be trusted and used when needed

BRAZIL - DISTRICT 4760 RYEP

• Rotarian YEO must KNOW well its rules,
  procedures, handbooks and all available
  info andkeep continuously updating

• Orientation actions for ABUSE Prevention

• Create your District Crisis Management Plan

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INSURANCE IN RYEP

• Learn what are R.I. Recommended Medical Insurance
  Minimuns for ROTARY YOUTH EXCHANGE PROGRAM

• A Travel Policy Model Insurance has been
  suggested at Brisbane 2003 YEO by Peter Kaye OF
  AUSTRALIA that has (MORE) other cover than
  medical such as capital benefits, liability, loss
  of property, etc. Read it.

BRAZIL - DISTRICT 4760 RYEP

• Students must arrive in host country fully
  insuredknowing how/where to call for assistance
  or makea claim to a 24/24 hr call center.
  Written instructionsand proof of insurance
  should be given to host Rotarian Counselor
  and/or Club YEO

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INSURANCE IN RYEP

• Insurance Policy carried by the YE SHOULD BE with
  a company that will assure the provider of
  medicalservices complete and prompt payment.

• Host family or host District should not first pay
  and ask for later reimbursement this cannot be
  accepted. Insurance company SHOULD respect the
  above condition as recommended by R.I. HANDBOOK

BRAZIL - DISTRICT 4760 RYEP

• Unfortunately, it has NOT happen this way.

• Host Club YEO Host family must know how to use
  RYE insurance in an emergency. Teach them!

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Rotary International also recommends in the YE
Handbook Sponsoring clubs and districts are
encouraged to implement a risk management program
for their Youth Exchange programs.
Some available information that should
be carefully read by all YEO
BRAZIL - DISTRICT 4760 RYEP

• 1. R.I. Guidelines for Youth Exchange
  Emergencies
• (R.I.Publication
  746d)
• Central States RYEP Crisis Management Plan
  (YEOtalk files?)
• Model of Travel Insurance proposed by Peter Kaye
  (YEOtalk files?)

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MORE INFO ABOUT INSURANCE
(HARD LEARNT, SOMETIMES)

• An insurance policy that covers everything would
  be too costly, as a well-known broker stated
  recently at the YEOtalk

• There is no insurance that would cover
  EVERYTHING for EVERYONE

BRAZIL - DISTRICT 4760 RYEP

• BELIEVE anything can happen they DO happen.

• If there is a choice between host sponsor
  district insurance, get the best FOR the student.

• Place emphasis on scope of coverage NOT the
  premium.

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Some tips we got from experienced YEOs
1. Trust your instincts. 2. If YE do not
feel safe in a situation or someone's
behavior is making them uncomfortable, get
out. 3. Never ignore a complaint 4. Each
District must have a documented Crisis
Risk Management Plan 5. Abuse must be discussed
at YE Orientation 6. Avoid dealing ALONE on a
crisis/risky situation, call and get others
involved ASAP
BRAZIL - DISTRICT 4760 RYEP
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LIABILITY
??
BRAZIL - DISTRICT 4760 RYEP
??????
RESPONSABILITÉ CIVILE
RESPONSABILIDADE CIVIL
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ABOUT LIABILITY, LET US REMEMBER WHAT IS WRITTEN
IN R.I. HANDBOOK, PAGE 19
Examples of some prevention and response
strategies a Youth Exchange program could
implement are ...............
BRAZIL - DISTRICT 4760 RYEP
Purchase general liability and directors and
officers liability insurance to provide a
defense should allegations of negligence or
wrongful acts be made.
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After a research, we found out that very few
Districts have this kind of insurance

• However, some important reasons do exist
• In some countries the legislation about
  liability is very different than in the U.S.
  (resourced)
• Price can be too high for desired coverage
• Rotarian YEO being volunteer, formal duties
  responsibilities may be legally questioned
• Liabilities concept varies with each culture
• Being a volunteer, it may be hard to accept the
  risk of being taken in a lawsuit should
  allegations of negligence or wrongful be
  charged

BRAZIL - DISTRICT 4760 RYEP
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In our research, we found out that some districts
have a well structured insurance policy regarding
LIABILITY. For example

• Australian districts
• District 1630 (Belgium)
• ESSEX Districts (USA/Canada)
• Central States RYEP districts (USA/Canada)

BRAZIL - DISTRICT 4760 RYEP
Probably there are others, but I was not able to
list all.
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• Some details of them
• The belgian insurance is an umbrella-type it
  covers members of Rotary, Rotaract and exchange
  students and liability is up to 6.200.000
• Australian well organized insurance policy has a
  national basis covering all country and it is
  compulsory for all outbound students

BRAZIL - DISTRICT 4760 RYEP
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THANKS FOR YOUR ATTENTION MERCI BEAUCOUP MUITO
OBRIGADO ????????
BRAZIL - DISTRICT 4760 RYEP

2004 OSAKA YEO PRE CONVENTION