BROCHURE, RATES and APPLICATION

ultiNational ccident Plan^SM

Rates and Application are at the bottom of this page.

Click here for Instant Quote & Online Application
If you reside in Florida or have a mailing address in Florida, please contact us at 877-211-3654 or info@internationalriskmanagement.com before submit your application for this plan.

The first comprehensive Personal Accident and Assistance plan for international travelers, MAP features high limit Accidental Death and Dismemberment and high limit Permanent and Total Disability insurance - including coverage for losses resulting from most acts of War and Terrorism. MultiNational’s full spectrum of Travel Assistance Services are also included. This plan may be purchased alone or as a supplement to any other product such as ATLAS TRAVEL SERIES , Patriot Travel Medical Insurance ,
Liaison International

Am I Eligible for The MAP Plan?
If you are traveling outside of your Home Country and are at least 18 years old but not yet 65, you are eligible for coverage. The minimum coverage period is 1 month and the maximum coverage period is either 1, 3 or 12 months, depending on your destination.

When Does Coverage Become Effective and When Does It Ends?
Your Travel Assistance Services become available on the later of the date we receive your Application and correct premium, or 10 days prior to your scheduled departure. The rest of your coverage becomes effective on the later of: Midnight of the date we receive your Application and correct premium, the moment you depart from your Home Country, or Midnight of the date you request on your Application. Your coverage will end on the earliest of: 12:01am of the last day of the period for which you have paid a premium, 12:01am of the date requested on your Application, or the moment you return to your Home Country. Coverage is not renewable however successive periods of insurance may be purchased, subject to availability on the date of purchase.

Does the MAP Plan provide any Home Country Coverage?
Only losses resulting from Accidents which occur outside your Home Country are covered.

How is "Home Country" Defined?
If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not an US citizen, your Home Country is where your Principal Residence is located. Your Principal Residence is your true, fixed and permanent home where you receive regular mail.

Are Acts of War and Terrorism Covered?
Under most circumstances, yes. Acts of War and Terrorism involving the use or release (including the threat thereof) of any nuclear weapon or device or chemical or biological agent are not covered.

What are the Benefits and Sums Insured?

Benefit	Sum Insured
Accidental Death	$50,000 or $100,000 as selected on your Application.
Loss of Sight of both eyes	100% of the Sum Insured
Loss of Sight of one eye	50% of the Sum Insured
Loss of two or more Limbs	100% of the Sum Insured
Loss of one Limb	50% of the Sum Insured
Permanent Total Disability (other than loss of sight of one eye or loss of one Limb)	100% of the Sum Insured

What are the Limitations?

The total amount payable shall not exceed the amount corresponding to the largest single Sum Insured stated in the Certificate issued to the Member.

Accidental Death benefit is payable to the Beneficiary selected by the Member and indicated on the Member’s Application. Death must occur within 365 days of the Accident, and must be directly attributable to and resulting from Bodily Injury sustained in the Accident.

Accidental Dismemberment benefit is payable to the Member. The Member must survive the Accident for 30 days. Loss of Sight is defined as total and irrevocable loss of sight. Loss of Limb is defined as complete and permanent severance of a hand at or above the wrist, or a foot at or above the ankle.

Permanent Total Disability benefit is payable to the Member. Permanent Total Disability is a disablement which entirely prevents the Member from attending to any business or occupation for which they are reasonably suited by training, education or experience and which lasts for 365 days beginning on the date of the Accident. At the end of that 365 days, the Member must be beyond hope of improvement as certified by a Physician selected by the Underwriter.

What are the Exclusions?
Losses directly or indirectly caused by, contributed to by or resulting from the following are not covered under this insurance:

Accidents which occur prior to your Effective Date or subsequent to your Termination Date or in any country not disclosed on your Application.

Sickness or disease (except bacterial infection arising from Bodily Injury) or mental infirmity or emotional or psychological trauma.

Accidents which occur while the Member is incarcerated for any reason, and while committing or attempting to commit a criminal act.

Riding or driving in any kind of race and travel or flight in any aircraft or aerial device except for air travel as a passenger riding in or boarding or disembarking from any aircraft with a current and valid standard airworthiness certificate, operated by a pilot with a current and valid pilot’s certificate with a proper rating to pilot such aircraft.

Taking part in Armed Forces service or operations and taking part in any form of mine or ordinance clearance or disposal.

Suicide, self-destruction, attempted suicide or self-destruction and intentionally self-inflicted Bodily Injury while sane or insane.

Any drug taken, administered or injected (except on the advice of or as directed by a licensed Physician), any alcoholic beverage consumed by the Member to the level of intoxication, and any poison, chemical compound, gas or fumes voluntarily taken, administered, absorbed or inhaled.

Voluntary exposure to unnecessary danger (except in attempt to save human life).

Injury sustained while taking part in the following activities:
1. Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are non-contact and undertaken solely for leisure, recreational, entertainment or fitness purposes unless such sports or athletics are otherwise excluded by this provision.
2. mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher.
3. Hang gliding, sky diving, parachuting or bungee jumping;
4. Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body);
5. spelunking;
6. subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters;
7. Any other sport or athletic activity which is undertaken for thrill seeking and exposes the Member to abnormal or extraordinary risk of Bodily Injury or Death.

This is a summary of benefits, limitations and exclusions.
For more details, or for a complete copy of the Master Policy, contact us.

What Travel Assistance Services are Included?
The following Travel Assistance Services are available to you 24 hours a day, 7 days a week while your MAP plan is in effect.

Pre-Trip Health and Safety Advisories (available after your purchase of the MAP Plan, and before your departure) – call us for current passport, visa, inoculation and vaccine requirements, as well as up-to-date travel safety advisories.
Livetravel� Services – we will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.
BagTrak� – we are the industry leaders in tracking lost baggage. We will help you locate your lost baggage, and deliver it to you anywhere in the world.
Emergency Message Relay – we will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.
Emergency Cash Transfers – we will assist you in arranging and obtaining cash transfers anywhere in the world.
Other important MAP Travel Assistance Services include:

Medical referrals

Up-to-the-minute travel medical advisories

Assistance with prescription drug replacement

Dispatch of a doctor or specialist

Emergency travel arrangements for family members

Lost passport or travel documents assistance

Embassy and consulate referrals

Legal and accounting referrals

Bail bond assistance

Translation and interpretation assistance

MAP Travel Assistance Services are not insurance benefits and provision of any MAP Travel Assistance Services is not a guarantee of any other benefit under the MAP Plan.

Who Is The Insurer?
Lloyd�s, the largest and oldest insurance market in the world is the insurer of the MAP Plan. Rated A- by AM Best Company, and A by Standard and Poors, Lloyd�s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd�s is recognized as a market leader in the personal accident and health insurance arena, and is well known for its innovative products and services. Presently, Lloyd�s provides accident and health insurance to millions of individuals in almost every country of the world.

Click here for Instant Quote & Online Application
If you reside in Florida or have a mailing address in Florida, please contact us at 877-211-3654 or info@internationalriskmanagement.com before submit your application for this plan.

If you have any questions or concerns, please contact us today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

Thank you for visiting our website.
www.InternationalRiskManagement.com

HERE'S THE FINE PRINT:
Availability, features, benefits and rates for all plans described on this site are subject to change without notice
at the discretion of the insurance carriers. This site is updated weekly, but we recommend contacting us
directly to be assured of getting the most up-to-date information available.

Copyright � 1999-2008 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,
is not allowed without the express written permission of the copyright owner.

INTERNATIONAL SECURITY NEWS BRIEFS:
Please note that we at Sunburst International Risk Management provides the International Security News Briefs as a value-added service to our international clients and visitors of this website. Our International Security News Briefs are updated frequently, in order to provide you with current and reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may become inactive at any time. We suggest that you bookmark our website and return frequently to check the current global news posted on our website.

Europe - United Kingdom
Crime 'stable' but robbery rises July 19, 2007
Crime in England and Wales has remained stable during the past year, according to Home Office figures.

East Asia / Pacific - China
Fifth of China goods sub-standard July 4, 2007
Nearly a fifth of goods made and sold in China have been found to be sub-standard, Beijing has revealed. The worst problems were found in canned fruit, dried fish and fruit drinks, a food inspectors' report said.

Sub-Saharan Africa - Nigeria
Scots oil worker held in Nigeria April 1, 2007
A British oil worker is still missing after being kidnapped in Nigeria, the Foreign Office has said.

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Middle East / N. Africa - Israel
Israeli union gripped by general strikes Mar. 21, /2007
Irael's main trade union has launched an open-ended general strike which threatens to bring transport and public services across the country to a halt.

Europe - Russia
55 Cities Could Face Spring Floods Mar. 15, /2007
More than 55 cities and towns across the country could be flooded this spring, according to a forecast released by the Emergency Situations Ministry.

Middle East / N. Africa - Algeria
Threat to Commercial Aircraft in Algeria Mar. 14, /2007
There is information that extremists may be planning to conduct an attack against a commercial aircraft carrying Western workers in Algeria. At this time, there is no additional information available as to the specific carrier or the timing of this attack.

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for Global Travel Medical, Accident, & Life Insurance

East Asia / Pacific - Thailand
Army doubts Bangkok attacks likely Mar. 12, 2007
Council for National Security chairman Gen Sonthi Boonyaratkalin Sunday dismissed rumours that southern insurgents plan to launch disturbances in the Thai capital anytime from Tuesday through Thursday.

Sub-Saharan Africa - Kenya
Mombasa Athletic Event Threats Mar. 6, 2007
Recent information emanating from alleged extremist elements suggests the World Cross-Country Championship may be the target of an unspecified terrorist attack. The embassy is also aware of public statements by leaders of Kenya�s Coastal Muslim community threatening to disrupt the Championship if the Government of Kenya does not satisfy various demands

Sub-Saharan Africa - Ethiopia
Tourists 'kidnapped' in Ethiopia Mar. 2, 2007
Addis Ababa, Ethiopia: A group of 15 foreign tourists has been kidnapped in north-east Ethiopia. They include 11 French nationals, at least one Briton and an Italian.

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for Global Travel Medical, Accident, & Life Insurance

East Asia / Pacific - Thailand
Muslim insurgency stokes fear in southern Thailand Feb. 26, 2007
PATTANI, Thailand: Some are already calling it war, a brutal Muslim separatist insurgency in southern Thailand that has taken as many as 2,000 lives in three years, with almost- daily bombings, drive-by shootings, arson and beheadings.

American Tourist kills mugger with bare hands Feb. 24, 2007
SAN JOSE, Costa Rica - An American tourist who watched as a U.S. military veteran in his 70s used his bare hands to kill an armed assailant in Costa Rica said she thought the attempted robbery was a joke � until the masked attacker held a gun to her head.

Sub-Saharan Africa - Nigeria
Three Croatians kidnapped in Nigeria Feb. 19, 2007
Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.

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for Global Travel Medical, Accident, & Life Insurance

East Asia / Pacific - China
Buddhist beheaded in Thai south Feb. 9, 2007
A 72-year-old Buddhist rice miller was beheaded in Thailand's rebellious Muslim south on Thursday in an apparent retaliation for a bomb attack on a village tea shop owned by Muslims, police said.

Europe - Russia Feb. 5, 2007
Registration Rules Stir Up Confusion
Moscow, Russia: According to a new law that came into effect Jan. 15, foreigners are now required to hand over their registration papers to migration officials -- via their employer or other sponsor -- every time they leave the country and re-register upon subsequent entry into the country.

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for Global Travel Medical, Accident, & Life Insurance

Sub-Saharan Africa - Nigeria
Captors release nine Chinese oil workers in Nigeria Feb. 5, 2007
Nigeria, Lagos: Hostage takers in Nigeria released nine Chinese oil-worker captives, officials said on Sunday, amid rising violence in Africa's biggest petroleum producer.

Sub-Saharan Africa - Nigeria
Force no solution for Nigeria's oil delta Feb. 2, 2007
The Nigerian government faces a new challenge from spiralling crime in the oil-producing Niger Delta, but wants to avoid turning Africa's oil heartland into a battleground, Energy Minister Edmund Daukorua said.

Sub-Saharan Africa - Nigeria
Demands made for release of hostages 2/1/07
Manila - Nigerian kidnappers holding 24 Filipinos hostage have made "political demands" that have hampered negotiations to free them, the Philippine foreign department said Thursday.

East Asia / Pacific - Thailand 1/30/07
Two explosions in northern Bangkok
Bangkok - Two explosions occurred early on Tuesday morning along the main road in northern Bangkok. There were no casualties reported in the blasts near the Daily News newspaper and Rama Gardens Hotel Bangkok.

More Global Safety
& Security
News Briefs

For Information on How to Protect Yourself, Your Family, Your Employees, and Your Trips Abroad,
Contact our experienced Risk Managers today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

Click here for Instant Quotes & Online Purchase
for Global Travel Medical, Accident, & Life Insurance

Copyright (c) 2002-2007 by Sunburst International Risk Management.
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,
is not allowed without the express written permission of the copyright owner.

Sub-Saharan Africa - Nigeria Three Croatians kidnapped in Nigeria Feb. 19, 2007 Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.

Sub-Saharan Africa - Nigeria
Three Croatians kidnapped in Nigeria Feb. 19, 2007
Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.