WHY YOU NEED INTERNATIONAL COVERAGE?
Each year, millions of people travel internationally throughout the world. While many of them may have medical coverage when traveling outside their Home Country, few will have the proper coverage for an emergency medical evacuation or personal liability. Liaison Traveler is designed to offer emergency medical evacuation, repatriation of mortal remains, accidental death and dismemberment, and other incidental coverage and services for persons traveling outside their Home Country.

EVACUATION, REPATRIATION, AND OTHER BENEFITS FOR THE INTERNATIONAL TRAVELER
Up to 12 months of coverage for emergencies requiring:

• Medical Evacuation
• Return of Minor Children to Home Country
• Political Evacuation
• Repatriation
• Trip Interruption

The Company shall pay an indemnity determined from the Table of Losses if an Insured Person sustains a loss stated therein resulting from Injury and subject to the limitations contained in PART IV - EXCLUSIONS, provided that (a) such loss occurs within 365 days after the date of accident causing such loss; and (b) the indemnity payable for any such loss shall be the amount stated opposite such loss in the Table of Losses, and the Principal Sum states therein shall be the amount stated as the Principal Sum on the Insurance Confirmation Card (ID Card), as applicable to such person and this Coverage; and (c) if more than one loss stated in the Table of Losses is sustained as the result of one accident, only one of the amounts, the largest, shall be payable.

The term "loss" as used for Accidental Death and Dismemberment herein shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints, and with regard to eyes, entire irrecoverable loss of sight and for Quadriplegia, Paraplegia, and Hemiplegia shall mean the complete and irreversible paralysis of such limbs. The term "Principal Sum" as used herein shall mean the amount stated on the Insurance Confirmation Card. The term "member" means hand, foot or eye. Only one amount, the largest to which you are entitled, is paid for all losses resulting from one accident.

Emergency Medical Evacuation means: (a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or ill to the nearest Hospital where appropriate medical treatment can be obtained; or (b) after being treated at a local Hospital, the Insured Person's medical condition warrants transportation to his/her Home Country or Country of Residence to obtain further medical treatment or to recover; or (c) both (a) and (b) above.

Expenses for special transportation must be: (a) recommended by the attending Physician or (b) required by the standard regulations of the conveyance transporting the Insured Person. Expenses for medical supplies and services must be recommended by the attending Physician. Transportation means any land, water or air conveyance required to transport the Insured Person during an Emergency Medical Evacuation. Special transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. Refer to the Assistance Services section of this Program Summary for details.

If you or your insured dependent becomes sick or injured during the Period of Coverage and requires medical treatment, the plan will pay, subject to a $350 per incident Deductible, Reasonable and Customary charges for Covered Expenses resulting from such occurrence, up to $25,000 per Policy Period. Only those expenses described which are incurred within 13 weeks from the onset of an injury or emergency sickness and which are not excluded are considered Covered Expenses. Initial treatment of an Injury or emergency sickness must occur within 72 hours of the Accident or onset of emergency sickness, defined as a condition requiring immediate care and/or hospitalization. In order for medical coverage to be valid, maximum length of any one trip would have to be less than 60 days. Maximum age of eligibility is 65. Covered Expenses to include:

1. Charges made by a hospital for room and board, floor nursing and other services, inclusive of charges for professional services or intensive care when medically necessary, and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the hospital’s average charge for semi-private room and board accommodation.

2. Charges made for diagnosis, treatment and surgery by a physician.

3. Charges made for the cost of administration of anesthetics.

4. Charges for medication, X-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment.

5. Charges for physiotherapy, if recommended by a physician for the treatment of a specific disablement, and administered by a licensed physiotherapist.

6. Dressings, drugs and medicines that can be obtained upon a written prescription of a physician or surgeon.

7. Hotel room charge, when you would otherwise be necessarily confined in a hospital, and shall be under the care of a duly qualified physician in a hotel room owing to the unavailability of a hospital room by reason of capacity or distance or to any other circumstances beyond your control.

The term "Accident" or "Accidental" shall mean an event, independent of Illness or self inflicted means, which is the direct cause of bodily Injury to an Insured Person.

The term "Hospital" shall mean except as may otherwise be provided, a Hospital (other than an institution for the aged, chronically ill or convalescent, resting or nursing homes) operated pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24-hour nursing services and medical supervision.

The term "Disablement" as used with respect to medical expenses shall mean an Illness or an accidental bodily Injury necessitating medical treatment by a Physician as defined in the Program Summary.

The term "Covered Expense" shall mean "Eligible Benefit".

The term "Coverage Period or Period of Coverage" shall mean the period the Insured Person is eligible for benefits under this Policy, which correlate with the Effective and Termination Dates of Individual Insurance, and when the Insured Person leaves and continues to remain outside of his/her Home Country, contained in PART I - INDIVIDUAL INSURANCE PROVISIONS.

The term "Deductible" shall mean the amount of eligible Covered Expenses which are the responsibility of each Insured Person and must be paid by each Insured Person before benefits under the Policy are payable by the Company.

The term "Eligible Benefit(s)" shall mean benefits payable by the Company to reimburse expenses which are for Medically Necessary services, supplies, care, or treatment; due to Illness or Injury; prescribed, performed or ordered by a Physician; Reasonable and Customary charges; incurred while insured under this program and which do not exceed the maximum benefit.

The term "Physician" shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform surgery in accordance with the laws of the jurisdiction where such professional services are performed. However, such definition will exclude chiropractors and physiotherapists.

The term "Injury" shall mean bodily Injury caused solely and directly by violent, accidental, external, and visible means occurring while this Policy is in force and resulting directly and independently of all other causes in loss covered by this Policy.

The term "Illness" shall mean sickness or disease of any kind contracted and commencing after the Effective Date of this Policy and causing loss covered by this Policy.

The term "Home Country or Country of Residence" shall mean the country from which the Insured Person holds a valid passport and has his/her true, fixed and permanent residence.

The term "Host Country" shall mean the country that the Insured Person is visiting or stationed in, other than the Insured Persons Home Country or Country of Residence, as defined herein.

The term "Reasonable and Customary" shall mean the maximum amount that the Company determines is Reasonable and Customary for Covered Expenses the Insured Person receives, up to but not to exceed charges actually billed. The Company’s determination considers: (1) amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; (2) any usual medical circumstances requiring additional time, skill or experience; and (3) other factors the Company determines are relevant, including but not limited to, a resource based relative value scale. For a Service Provider who has a reimbursement agreement, the Reasonable and Customary charge is equal to the amount that constitutes payment in full under any reimbursement agreement with the Company.

1 Suicide or attempt thereof by the Insured Person while sane, or self destruction or any attempt thereof by the Insured Person while insane;

2 Disease of any kind; bacterial infections except pyogenic infection which shall occur through an accidental cut or wound; hernia of any kind; (Only applicable for Accidental Death & Dismemberment)

3 Injury sustained while the Insured Person is riding as a pilot, student pilot, operator or crew member, boarding or alighting, from any type of aircraft; or while the Insured Person is riding as a passenger in any aircraft (a) not having a current and valid airworthy certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;

4 Declared or undeclared war or any act thereof; service in the military, naval or air service of any country;

5 Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; rocket-propelled aircraft; aircraft being used for or in connection with crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose; or engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted.

For Trip Interruption, this insurance does not cover: 1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured's departure from their Home Country that has the likelihood of causing death.

For Lost Baggage, this insurance does not cover: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial LiaisonTraveler Feb 2010 4 GLB-9129666

teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof.

For Medical expenses, this insurance does not cover:

1) Pre-existing Conditions, defined as any Injury or Sickness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three [3] years prior to the Effective Date of this insurance;

2) For services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified and necessary and reasonable by a Physician;

3) For suicide or any attempt thereat while sane, or self destruction or any attempt thereat while insane;

4) Declared or undeclared war or any act thereof;

5) Injury sustained while participating in professional athletics;

6) For sickness resulting from pregnancy, childbirth, or miscarriage; or miscarriage resulting from accident;

7) For routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnosis or x-ray examinations, except in the course of a Disability established by a prior call or attendance of a Physician;

8) For cosmetic or plastic surgery, except as a result of an accident; elective surgery which can be postponed until the insured returns to his/her Country of Residence;

9) Any mental and nervous disorders or rest cures;

10) For dental care, except as the result of Injury to natural teeth caused by accident;

11) Eye infractions or eye examinations for the purpose of prescribing corrective lenses for eye glasses or for the fitting thereof, unless caused by accidental bodily Injury incurred while insured thereunder;

12) In connection with alcoholism and drug addiction, or use of any drug or narcotic agent;

13) Congenital anomalies and conditions arising out or resulting from thereof;

14) Expenses which are non-medical in nature;

15) The ordinary cost of a one-way airplane ticket used in the transportation back to the Insured Person’s Home Country where an air ambulance benefit is provided;

16) For expenses as a result of or in connection with intentionally self-inflicted Injury or the commission of a felony offense;

17) For specific named hazards: motorcycle driving, scuba diving, skiing, mountain climbing, sky diving, professional and amateur racing, and the piloting an aircraft;

18) Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual.

If any indemnity of the Policy shall be payable to the estate of an Insured Person, or to an Insured Person who is a minor or otherwise not competent to give a valid release, the Company may pay such indemnity, up to an amount not exceeding $1,000, to any relative by blood or connection by marriage of the Insured Person who is deemed by the Company to be equitably entitled thereto. Any payment made by the Company in good faith pursuant to this provision shall fully discharge the Company to the extent of such payment.

Subject to any written direction of the Insured Person all or a portion of any indemnities provided by this Policy on account of Hospital, nursing, medical or surgical service may, at the Company's option and unless the Insured Person requests otherwise in writing not later than the time for filing proof of such loss, be paid directly to the Hospital or person rendering such services, but it is not required that the service be rendered by a particular Hospital or person.

The travel assistance benefits described below are provided by Seven Corners Assist who are staffed 24 hours a day, 7 days a week with multilingual representatives.