Eligibility

MCIS Flexible Travel Insurance provides coverage as outlined in this program summary for individuals while traveling outside of their Home Country. Home Country is defined as - The country where an Insured Person(s) has his or her true, fixed and permanent home and principal establishment. For United States Citizens, the Home Country is always the United States.

Eligible individuals may also purchase coverage for their eligible dependents. An Eligible Spouse shall be defined as the Primary Insured’s legal spouse. An Eligible Dependent Child shall mean the Primary Insured Person’s unmarried children over fourteen (14) days and under nineteen (19) years of age It is the Insured Person’s responsibility to maintain all records regarding travel history, age and provide any documents to the Administrator, which would verify Eligibility Requirements.

Effective Date of Coverage begins at 12:01 AM North American Eastern Time on the later of the following dates:

1. The day after the Company receives Your application and correct premium if application and payment is made online or by fax; or

2. The day after the postmark date of Your application and correct premium if application and payment is made by mail; or

3. The moment You depart your Home Country; or

4. The date You request on your application.

Expiration Date of Coverage terminates on the earlier of the following:

1. Your return to Your Home Country (except as provided under the Home Country Coverage); or

2. The expiration of three hundred and sixty-four (364) days from the Effective Date of Coverage; or

3. The date shown on the ID card; or

4. The end of the period for which plan cost has been paid; or

5. The date You fail to be considered an eligible person; or

6. The maximum benefit amount has been paid.

INSURANCE COMPANY

This Insurance, under Certificate LON16-160810-02TM, is underwritten by Certain Underwriters at Lloyds, London, rated A “Excellent” by AM Best.

Physical Examination and Autopsy

The Underwriter at its own expenses shall have the right and opportunity to examine the person of any individual whose Injury or Illness is the basis of claim when and as often as it may reasonably require during the pendency of a claim hereunder and to make an autopsy in case of death, where it is not forbidden by law

Coordination of Benefits

The Underwriter coordinates benefits with other payers when an Insured Person(s) is covered by two (2) or more health plans. Coordination of Benefits is the industry standard practice used to share the cost of care between two (2) or more carriers when an Insured Person(s) is covered by more than one (1) health benefit plan. Our Coordination of Benefits and Services provision is attached hereto as APPENDIX A.

Excess Benefits

All Coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible Insurance Indemnity and shall apply only when such benefits are exhausted. Other valid and collectable Insurance Indemnity for which benefits may be payable are Insurance programs provided by: Individual, group or blanket Insurance or coverage;

1. Other prepayment coverage provided on a group or individual basis;

2. Any coverage under labor management trusted plans, union welfare plans, employer organizational plans, employee benefit organization plans, or other arrangement of benefits for individuals of a group;

3. Any coverage required or provided by any statute, socialized Insurance program;

4. Any no-fault automobile Insurance;

5. Any third party liability Insurance.

Subrogation

To the extent the Underwriter pays for a loss suffered by an Insured, the Underwriter will take over the rights and remedies the Insured had relating to the loss. This is known as subrogation. The Insured must help the Underwriter to preserve its rights against those responsible for the loss. This may involve signing any papers and taking any other steps the Underwriter may require. If the Underwriter takes over an Insured’s rights, the Insured must sign an appropriate subrogation form supplied by the Underwriter.

PLAN DEFINITIONS

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.

Administrator shall mean Seven Corners, Inc.

Airworthiness Certificate or Airworthy Certificate shall mean the “Standard” Airworthiness Certificate issued by the Federal Aviation Agency of the United States or its foreign equivalent issued by the government authority having jurisdiction over civil aviation in the country of its registry. Coinsurance shall mean the percentage amount of Covered Expenses, after the Deductible, which is Your responsibility to pay.

Common Carrier shall mean any land, sea, and/or air conveyance operating under a valid license for the transportation of passengers for hire.

Congenital shall mean a physical abnormality or condition that is present at birth, whether inherited or caused by the environment.

Company or Underwriter shall mean Certain Underwriters at Lloyd’s, London.

Covered Expense shall mean “Eligible Benefit”.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

Disablement (as used with respect to medical expenses) shall mean an Illness (if the Illness Coverage Rider is purchased) or an Accidental bodily Injury necessitating medical Treatment by a Physician.

Durable Medical Equipment Durable Medical Equipment shall mean exclusively the following items: a standard basic hospital bed; and/or a standard basic wheel chair.

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 (if the Illness Coverage Rider is purchased) 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. Eligible Dependent Child shall mean Your unmarried children over fourteen (14) days and under nineteen (19) years of age.

Eligible Spouse shall mean Your legal spouse.

Experimental/Investigational means all services or supplies associated with: 1)Treatment or diagnostic evaluation which is not generally and widely accepted in the practice of medicine in the United States of America or which does not have evidence of effectiveness documented in peer reviewed articles in medical journals published in the United States. For the Treatment or diagnostic evaluation to be considered effective such articles should indicate that it is more effective than others available; or if less effective than other available Treatments or diagnostic evaluations, is safer or less costly; 2) A drug which does not have FDA marketing approval; 3) A medical device which does not have FDA marketing approval; or has FDA approval under 21 CFR 807.81, but does not have evidence of effectiveness for the proposed use documented in peer reviewed articles in medical journals published in the United States. For the device to be considered effective, such articles should indicate that it is more effective than other available devices for the proposed use; or if less effective than other available devises, or is safer or less costly. The Underwriter will make the final determination as to whether a service or supply is Experimental/Investigational.

Group Health Benefit Plan means a group, blanket, or franchise insurance policy, a certificate issued under a group policy, a group hospital service contract, or a group subscriber contract or evidence of coverage issued by a health maintenance organization that provides benefits for health care services. The term does not include: 1. accident-only, credit or disability insurance coverages; 2. specified disease coverage or other limited benefit policies; 3. long-term care, dental care, or vision care coverages; 4. coverage provided by a single service health maintenance organization; 5. insurance coverage issued as a supplement to liability insurance; 6. insurance coverage arising out of a workers' compensation system or similar statutory system; 7. automobile medical payment insurance coverage; 8. jointly managed trusts authorized under 29 U.S.C. Section 141 et seq. that contain a plan of benefits for employees that is negotiated in a collective bargaining agreement governing wages, hours, and working conditions of the employees that is authorized under 29 U.S.C. Section 157; 9.hospital confinement indemnity coverage; or 10. reinsurance contracts issued on a stop-loss, quota share, or similar basis.

PLEASE NOTE: Your Primary Health Plan must be effective at the time of claim. Medicaid, Medicare, and V.A. health plans do not constitute primary health insurance. Home Country shall mean the country where You have Your true, fixed and permanent home and principal establishment.

Hospital shall mean a place that 1) Is legally operated for the purpose of providing medical care and Treatment(s) to sick or Injured persons for which a charge is made that the Insured Person(s) is legally obligated to pay in the absence of insurance 2) Provides such care and Treatment(s) in medical, diagnostic, or surgical facilities on its premises, or those prearranged for its use; 3) Provides 24-hour nursing service under the supervision of a Registered Nurse at all times; and 4) Operates under the supervision of a staff of one or more Physician(s). Hospital also means a place that is accredited as a Hospital by the Joint Commission on Accreditation of Hospitals, American Osteopathic Association, or the Joint Commission on Accreditation of Health Care Organizations (JCAHO). Hospital does not mean:

-A Convalescent, nursing, or rest home or facility, or a home for the aged;

-A place mainly providing Custodial, Educational, or Rehabilitative Care; or

-A facility mainly used for the Treatment(s) of drug addicts or alcoholics.

Host Country shall mean any country other than the country where an Insured Person has his or her true, fixed and permanent home and principal establishment Illness shall mean a sickness, disorder, illness, pathology, abnormality, malady, morbidity, affliction, disability, defect, handicap, deformity, birth defect, congenital defect, symptomatology, syndrome, malaise, infection, infirmity, ailment, disease of any kind, or any other medical, physical or health condition. Provided, however, that Illness does not include learning disabilities, or attitudinal or disciplinary problems. All Illnesses that exist simultaneously or which arise subsequent to a prior Illness and which directly or indirectly relate to or result or arise from the same or related causes or as a consequence thereof or from one another are considered to be one Illness. Further, if a subsequent Illness results or arises from causes or consequences that are the same as or related to the causes or consequences of a prior Illness, the subsequent Illness will be deemed to be a continuation of the prior Illness and not a separate Illness.

Injury shall mean Accidental bodily Injury or injuries caused by an Accident which occurs after the Effective Date of this policy. The Injury must be the direct cause of the loss, independent of disease or bodily infirmity.

Inpatient shall mean if You are confined in an institution and are charged for room and board. Insured or Insured Person shall mean a person eligible for benefits under the policy who has applied for coverage and is named on the application and for whom the Company has accepted premium. Intensive Care shall mean a cardiac care unit or other unit or area of a Hospital which meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units. Master Policy means that certain group insurance policy, No. NA18SC04 issued to World Commercial Trust by Certain Underwriters at Lloyd’s, London, which is available upon request from Seven Corners. Medically Necessary shall mean services and supplies received while insured that are determined by the Company to be: 1) appropriate and necessary for the symptoms, diagnosis, or direct care and Treatment of the Insured Person’s medical conditions; 2) within the standards the organized medical community deems good medical practice for the Insured Person’s condition; 3) not primarily for the convenience of the Insured Person, the Insured Person’s Physician or another Service Provider or person; 4) not Experimental/Investigational or unproven, as recognized by the organized medical community, or which are used for any type of research program or protocol; and 5) not excessive in scope, duration, or intensity to provide safe and adequate, and appropriate Treatment. For Hospital stays, this means that acute care as an Inpatient is necessary due to the kinds of services the Insured Person is receiving or the severity of the Insured Person’s condition, in that safe and adequate care cannot be received as an Outpatient or in a less intensified medical setting. The fact that any particular Physician may prescribe, order, recommend, or approve a service, supply, or level of care does not, of itself, make such Treatment Medically Necessary or make the charge of a Covered Expense under this policy. Mental Illness and Mental and Nervous Disorder shall mean any mental, nervous, or emotional Illness which generally denotes an Illness of the brain with predominant behavioral symptoms; or an Illness of the mind or personality, evidenced by abnormal behavior; or an Illness or disorder of conduct evidenced by socially deviant behavior. Mental or Nervous Disorders include without limitation: psychosis; depression; schizophrenia; bipolar affective disorder; any disease or condition, regardless of whether the cause is organic, that is classified as a Mental Disorder in the current edition of the International Classification of Diseases as published by the U.S. Department of Health and Human Services; and those psychiatric and other Mental Illnesses listed in the current edition of the Diagnostic and Statistical Manual for Mental Disorders published by the American Psychiatric Association. Mental Illness and Mental and Nervous Disorder does not mean or include learning disabilities, attitudinal disorders or disciplinary problems. For purposes of this insurance, Mental Illness and Mental and Nervous Disorder do not include Substance Abuse.

Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either: 1) utilizing harnesses, ropes, crampons or ice axes; or 2) ascending 4,500 meters or above.

Outpatient shall mean if You receive care in a Hospital or another institution, including; ambulatory surgical center; convalescent/skilled nursing facility; or Physician’s office, for an Illness (if the Illness Coverage Rider is purchased) or Injury, but who is confined and is not charged for room and board.

Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute. Period of Coverage or Policy Period shall mean the Period of Coverage issued by the Underwriter to the Insured Person, typically beginning with the Effective Date and ending with the Expiration Date or the date coverage is renewed by the Underwriter.

Physician(s) or Surgeon shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform Surgery(ies) in accordance with the laws of the jurisdiction where such professional services are performed.

Primary Health Plan is a Group Health Benefit Plan, an individual health benefit plan, or a governmental health plan (Medicare is excluded) designed to be the first payor of claims for an Insured Person in effect prior to the effective date of this Certificate and continuing as long as this Certificate is in effect. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Health Plan.

Reasonable and Customary shall mean the maximum amount that the plan determines is Reasonable and Customary for Covered Expenses You receive, up to but not to exceed charges actually billed. The 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 included but not limited to, a resource based relative value scale. Relative shall mean spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, step-sibling, in-laws (parent, son, daughter, brother and sister), aunt, uncle, niece, nephew, legal guardian, ward, or cousin of the Insured Person.

Service Provider(s) shall mean a Hospital, convalescent/skilled nursing facility, ambulatory surgical center, psychiatric Hospital, community mental health center, residential treatment facility, psychiatric treatment facility, alcohol or drug dependency treatment center, birthing center, Physician, dentist, chiropractor, licensed medical practitioner, nurse, medical laboratory, assistance service company, air/ground ambulance firm, or any other such facility that the Company approves. Sound Natural Tooth is a tooth that is whole or properly restored; is without impairment, periodontal or other conditions; is not more susceptible to Injury than a virgin tooth, and is not in need of the Treatment provided for any reason other than Accidental Injury. A tooth previously restored with a crown,inlay, onlay, or porcelain restoration, or Treated by endodontics is not a Sound Natural Tooth. Substance Abuse shall mean a condition brought about when an individual uses alcohol, chemicals or any other drug(s) in such a manner that his/her health and/or judgment is impaired and/or ability to control actions is lost.

Surgery(ies) shall mean an invasive diagnostic procedure; or the treatment of Illness (if the Illness Coverage Rider is purchased) or Injury by manual or instrumental operations performed by a Physician while the patient is under general or local anesthesia..

Terrorism shall mean an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorism can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorism can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).

Traveling Companion shall mean spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, step-sibling, in-laws (parent son, daughter, brother, or sister), aunt, uncle, niece, nephew, legal guardian, ward, or business partner of the Insured Person. Treatment means a specific in-office or Hospital physical examination of or care rendered to You, consultation, diagnostic procedures and services, Surgery, medical services and supplies including medication prescribed or provided by a Service Provider.

Underwriter shall mean Certain Underwriters at Lloyds, London.

You or Your shall mean the Primary Insured Person and the Primary Insured’s Spouse or Dependent.

Excess Benefits

All Coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible Insurance Indemnity and shall apply only when such benefits are exhausted. Other valid and collectable Insurance Indemnity for which benefits may be payable are Insurance programs provided by: Individual, group or blanket Insurance or coverage;

1. Other prepayment coverage provided on a group or individual basis;

2. Any coverage under labor management trusted plans, union welfare plans, employer organizational plans, employee benefit organization

plans, or other arrangement of benefits for individuals of a group;

3. Any coverage required or provided by any statute, socialized Insurance program;

4. Any no-fault automobile Insurance;

5. Any third party liability Insurance.

Subrogation

To the extent the Underwriter pays for a loss suffered by an Insured, the Underwriter will take over the rights and remedies the Insured had relating to the loss. This is known as subrogation. The Insured must help the Underwriter to preserve its rights against those responsible for the loss. This may involve signing any papers and taking any other steps the Underwriter may require. If the Underwriter takes over an Insured’s rights, the Insured must sign an appropriate subrogation form supplied by the Underwriter.

SCHEDULE OF BENEFITS

All coverages and plan costs listed in this document are in U.S. Dollar amounts. Except as specifically indicated otherwise, all benefits are subject to Deductible and Coinsurance and are per Period of Coverage.

General Provisions

U.S Coverage	Optional
Medical Maximum	$25,000; $50,000; $100,000; $500,000; $1,000,000 Age 65-79 limited to $50,000 Age 80+ limited to $15,000
Deductible (per person)	$0; $100; $250; $500; $1,000; $2,500
Coinsurance	Traveling Outside the United States: After you pay the deductible, the plan pays 100% to the medical maximum. Traveling Inside the United States: For Treatment received within the UHC network: After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum. For Treatment received outside the UHC network: After You pay the Deductible, the plan pays 80% of eligible expenses up to the selected Medical Maximum.
Pre-certification Requirements (only applicable inside the U.S.)	Failing to follow the Pre-Certification Requirements will result in a 50% reduction of benefits. (see Pre-Certification Requirements)
Benefit Period	180 Days
Assistance Services	Included

Base Medical Benefits and Services: Injuries Only

Hospital Room & Board	Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage
Intensive Care	Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage
Outpatient Medical Expenses	Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage
Local Ambulance Benefit	Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage
Hospital Indemnity	$150 per night, up to a maximum of 30 days per person per Occurrence. (Applicable to Individuals traveling outside the U.S. only)
Emergency Room visit due to Injury(ies)	Reasonable & Customary to the selected Medical Maximum per person per Period of Coverage.
Coma Benefit	$50,000 (in addition to the medical maximum)
Loss or Theft of Passport or Travel Documents	Up to $100 per policy for administrative expenses (Requires proof of loss/theft from hotel, carrier or police report.)
Accidental Death & Dismemberment (AD&D)	$50,000 principal sum for Insured or Insured Spouse $5,000 principal sum for Dependent Child Aggregate limit of $250,000 per family Note: In the event of a Common Carrier Accidental Death, this benefit will not be paid.
Common Carrier Accidental Death	$100,000 principal sum for insured or insured spouse
Home Country Coverage	Incidental Trips to The Home Country: Up to $50,000 Home Country Extension of Benefits: Up to $5,000

Optional: Crisis Event Rider

Emergency Medical Evacuation/Repatriation	$1,000,000 per person per Period of Coverage. (in addition to the Medical Maximum)
Return of Minor Child(ren)	$50,000 per person per Period of Coverage.
Return of Mortal Remains	$50,000 per person per Period of Coverage.
Local Cremation or Burial	$5,000 for local cremation or burial per person per Period of Coverage
Emergency Medical Reunion	$50,000 per person per Period of Coverage.
Dental Emergency Treatment (Sudden Relief of Pain)	Up to the selected Medical Maximum per person per Period of Coverage. (only available to programs purchased for 1 month or more)
Optional: Illness Coverage Rider Adds Base Medical Benefits and Services coverage for Eligible Medical Expenses as a result of an Illness.
Misuse of Emergency Room Deductible	$250 if the visit does not result in an inpatient admission
Waiver of Pre-existing Condition(s)	Available only for U.S. Residents traveling outside the United States. Age 64 and under, If the insured has a Primary Health Plan as defined herein, the benefit covers to the medical maximum (for persons age 65 and over, the amount is limited to $2,500). If the insured does not have a Primary Health Plan, the benefit covers the first $20,000 in eligible medical expenses (for persons age 65 and over, the amount is limited to $2,500)
Acute Onset of Pre-existing Condition(s)	Available only for non-U.S. residents under age 70 traveling outside their home country up to $50,000 per person per Period of Coverage. (Ages 70-79, up to $15,000, Age 80+, no benefit) Up to an additional $25,000 per person per Period of Coverage for Emergency Medical Evacuation related to an Acute Onset of a Pre-Existing Condition.
Optional: Benefit Enhancement Rider Increases In-network Coinsurance to 100% and increases Acute Onset of Pre-existing Conditions
Coinsurance	Traveling Outside the United States: After You pay the Deductible, the plan pays 100% to the selected Medical Maximum. Traveling Inside the United States: For Treatment received within the UHC network: After You pay the Deductible, the plan pays 100% of eligible expenses up to the selected Medical Maximum. For Treatment received outside the UHC network: After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
Acute Onset of Pre-existing Condition(s)	Available only for non-U.S. residents under age 70 traveling outside their home country up to $25,000 per person per Period of Coverage. (Ages 70-79, up to $15,000, Age 80+, no benefit) Up to an additional $50,000 per person per Period of Coverage for Emergency Medical Evacuation related to an Acute Onset of a Pre-Existing Condition.
Optional: Crisis Event Rider
Terrorism	Reasonable and Customary to the selected Medical Maximum per person per Period of Coverage.
Political Evacuation	$10,000 per person per Period of Coverage.
Felonious Assault	$10,000 per person per Period of Coverage. (in addition to the Medical Maximum)
Natural Disaster Benefit	Up to $200 per day for five (5) days per person per Period of Coverage
Natural Disaster Evacuation/Repatriation	$10,000 per person per Period of Coverage. (only available for travel outside the United States)
Optional: Trip Benefit Rider
Interruption of Trip	$5,000 per person per Period of Coverage.
Loss of Checked Baggage	$250 per person per Occurrence.
Optional Hazardous Sports Rider To cover motorcycle/motor scooter riding (whether as a passenger or a driver), hang gliding, Parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking.
Optional: Personal Liability Rider Up to $100,000 for covered expenses

BENEFIT PERIOD AND HOME COUNTRY COVERAGE

Benefit Period shall mean the one hundred and eighty (180) days following the onset of an eligible Accident, Injury or Illness in which to receive Medically Necessary Covered Expenses. If Your plan terminates during Your Benefit Period, You will still be eligible to receive Treatment so long asthe Treatment is within Your Benefit Period and outside Your Home Country (except as provided under the Home Country Coverage).

Incidental Trips to The Home Country: Up to $50,000

Home Country Extension of Benefits: Up to $5,000

PRE-EXISTING CONDITION

Pre-existing Condition(s) shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36month period immediately preceding the effective date of coverage under this policy.

Coinsurance-

Traveling Inside the United States:

For Treatment received within the UHC network:

After You pay the Deductible, the plan pays 80% of eligible expenses up to the selected Medical Maximum. (If you purchase the Benefit Enhancement Rider) After You pay the Deductible, the plan pays 100% of eligible expenses up to the selected Medical Maximum.

For Treatment received outside the UHC network:

After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.

Traveling Outside the United States:

After You pay the Deductible, the plan pays 100% of eligible expenses up to the selected Medical Maximum.

Base Medical Benefits and Services:

Medical Expenses: International Travel Medical Insurance shall pay Reasonable and Customary charges for Covered Expenses, excess of the chosen Deductible and Coinsurance up to the selected Medical Maximum, incurred by You due to an Accidental Injury or Illness (if the Illness Coverage Rider is purchased) which occurred during the Period of Coverage outside Your Home Country (except as provided under the Home Country Coverage). All bodily disorders existing simultaneously which are due to the same or related causes shall be considered one Disablement. If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. The initial treatment of an Injury or Illness (if the Illness Coverage Rider is purchased) must occur within thirty (30) days of the date of Injury or onset of Illness (if the Illness Coverage Rider is purchased).

Only such expenses which are specifically enumerated in the following list of charges and are not excluded shall be considered Covered Expenses (Subject to Benefit Period):

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service 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 accommodations.

2. Charges made for Intensive Care or coronary care charges and nursing services.

3. Charges made for diagnosis, Treatment and Surgery by a Physician.

4. Charges made for an operating room.

5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and surgical opinion consultations.

6. Charges made for the cost and administration of anesthetics.

7. 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.

8. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

9. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

Local Ambulance Benefit

Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the amount stated in the SCHEDULE OF BENEFITS, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

Hospital Indemnity

If You are confined to a Hospital as a registered Inpatient as the result of an Illness (if the Illness Coverage Rider is purchased) or Injury which occurs during Your Period of Coverage, this plan will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days. (Only available for travel outside the United States)

Coma Benefit

If Injury renders an Insured Comatose within 90 days of the date of the Accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, the Company will pay a monthly benefit equal to 1% of the Maximum Benefit. No benefit is provided for the first 30 days of the Coma. The benefit is payable monthly as long as the Insured remains Comatose due to that Injury, but ceases on the earliest of: (1) the date the Insured ceases to be Comatose due to that Injury; (2) the date the Insured dies; or (3) the date the total amount of monthly Coma benefits paid for all Injuries caused by the same Accident equals the Maximum Benefit. The Company will pay benefits calculated at a rate of 1/30th of the monthly benefit for each day for which the Company is liable when the Insured is Comatose for less than a full month. Only one benefit is provided for any one month of Coma, regardless of the number of Injuries causing the Coma.

The Company reserves the right, at the end of the first 30 consecutive days of Coma and as often as it may reasonably require thereafter, to determine, on the basis of all the facts and circumstances, that the Insured is Comatose, including, but not limited to, requiring an independent medical examination provided at the expense of the Company.

Loss or Theft of Passport and Travel Documents:

This plan will reimburse You up to the maximum set in the Schedule of Benefits for loss of passport or travel documents and assist you in attaining a new passport provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The documents must be owned by and accompany You at all times with the exception of times when documents are checked with a Common Carrier, or locked in a hotel safe when available, or left out-of-sight in your locked hotel room. At the time of claim the Insured shall provide Proof of Loss provided by the Common Carrier or a police report from the jurisdiction where the theft occurred. The plan will pay for the cost of replacement of lost or stolen passport or travel documents up to the maximum set in the Schedule of Benefits. This coverage is secondary to any coverage provided by a Common Carrier. You must file a formal claim with the Common Carrier and provide the Company with copies of all claim forms and proof that the Common Carrier paid its normal reimbursement. If the replacement cost has already been received from the Common Carrier, Seven Corners Assist will provide assistance in the replacement process. For instances of theft, documentation of the theft must be submitted at the time of claim in the form of a report by the police or other local authority.

This Benefit does not cover:

1. Prescriptions for medication, stamps, stocks, bonds, gift certificates, cash, traveler’s checks, gift cards, any form of money or currency or promise of future assets.

2. Costs incurred before departure of after you return home or any cost that is due to any errors or omissions on your travel documents or money exchange

3. Expenses for any missed travel or accommodation arrangements as a result of your passport being lost or stolen.

Accidental Death & Dismemberment (AD&D):

The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in EXCLUSIONS AND LIMITATIONS, 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 Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and (c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.

The term “Principal Sum” as used herein shall mean the amount stated on the ID Card. “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled is payable for all losses resulting from one Accident. In the event of a Common Carrier Accidental Death benefits will be paid once at the higher amount as specified in the SCHEDULE OF BENEFITS for Common Carrier Accidental Death. Common Carrier Accidental Death: Benefits will be paid to you as per the SCHEDULE OF BENEFITS if you sustain an Accidental Death. Death must occur during the Period of Coverage while the Insured Person is riding as a passenger (but not a pilot, operator or member of the crew) in or on a Common Carrier. Exclusions Related to Accidental Death & Dismemberment (AD&D); Common Carrier Accidental Death & Dismemberment (AD&D):

No Benefit shall be payable for Accidental Death and Dismemberment as the result of:

1. Suicide or attempt thereof while sane or self-destruction or any attempt thereof while insane;

2. Disease of any kind; Bacterial infections except pyogenic infection which shall occur through anccidental cut or wound;

3. Hernia of any kind;

4. Injury sustained while You are riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting from, any type of aircraft;

5. Injury sustained while You are 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;

6. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:(a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; (b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power. (c) any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence; (d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Underwriter shall not be liable under this Policy except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions;

7. Service in the military, naval or air service of any country;

8. Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests;

9. Flying in any rocket-propelled aircraft;

10. Flying in any aircraft being used for or in connection with crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose;

11. Flying in any aircraft which is engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted;

12. Sickness of any kind;

13. Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified Physician or surgeon;

14. Injury occasioned or occurring while You are committing or attempting to commit a felony or to which a contributing cause was You being engaged in an illegal occupation;

15. While riding or driving in any kind of competition;

16. Pregnancy, childbirth, miscarriage or abortion;

17. This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act.

Home Country Coverage: Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (Maximum 60 days per of three hundred and sixty-four (364) days of purchased coverage or pro rata thereof - example: approximately 5 days per month of purchased coverage, not available for purchases less than 0 days). You must first depart your Home Country in order to utilize this benefit and it does not apply to the final trip home. In the event of a claim, you may be required to provide proof of your travel intentions. Earned Home Country Coverage days for the current Period of Coverage do not extend or carry over after a completed of three hundred and sixty-four (364) day Period of Coverage. If you choose to renew beyond a three hundred and sixty-four (364) day Period of Coverage, the earning of incidental days will start over again, i.e. 5 days for every month that you purchase, allowing up to a maximum amount of 60 days per three hundred and sixty-four (364) days Period of Coverage. Maximum benefit is reduced to the maximum stated in the SCHEDULE OF BENEFITS for any Illness (if the Illness Coverage Rider is purchased) or Injury occurring while on an incidental Trip to your Home Country.

Extension of Benefits: This Certificate shall pay for Covered Expenses incurred in your Home Country up to the maximum stated in the SCHEDULE OF BENEFITS, minus Your Deductible and Coinsurance, for one hundred and eighty days (180) from the onset of a new covered Injury or Illness (if the Illness Coverage Rider is purchased) that is first diagnosed and treated outside Your Home Country. If Seven Corners Assist evacuates/repatriates you to your Home Country for a Covered Injury or Illness (if the Illness Coverage Rider is purchased), the maximum stated in the SCHEDULE OF BENEFITS for Extension of Benefits does not apply to the Medical Benefits. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

Pre-Certification Requirements

The following expenses must always be Pre-Certified:

1. Inpatient Treatment and/or supplies of any kind.

2. Any Surgery or Surgical procedure.

3. Any Treatment in an Extended Care Facility.

4. Any Home Nursing Care.

5. Durable Medical Equipment.

6. Artificial limbs.

7. Computerized Axial Tomography (CAT Scan).

8. Magnetic Resonance Imaging (MRI).

To comply with the Pre-Certification requirements, You must:

1. Contact Seven Corners Assist at the telephone number shown below and on your ID card as soon as possible before the expense is to be incurred; and

2. Comply with Seven Corners Assist’s instructions and submit any information or documents they require; and

3. Notify all Physicians, Hospitals and other providers that this Insurance contains Pre-certification requirements and ask them to fully cooperate with Seven Corners. Emergency Pre-Certification – In the event of an emergency Hospital admission, Pre-Certification must be made within 48 hours after the admission, or as soon as is reasonably possible.

If You comply with the Pre-Certification requirements, and the expenses are Pre-certified, the Company will pay Eligible Medical Expenses subject to all terms, conditions, provisions and exclusions herein. If You do not comply with the Pre-certification requirements or if the expenses are not Precertified:

1. Eligible Medical Expenses will be reduced by 50%; and

2. The Deductible will be subtracted from the remaining amount; and

3. The Coinsurance will be applied.

Pre-certification Does Not Guarantee Benefits

The fact that expenses are Pre-certified does not guarantee coverage for, or payment of the service or procedure reviewed. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions and exclusions herein. Concurrent Review – For Inpatient stays of any kind, the Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if an Insured receives prior approval.

Assistance Services - Upon enrollment, You are eligible to use any of the assistance services provided by the Assistance Services Provider. Additional information is contained in the plan summary.

• Open 24 hours/day, 365 days a year

• Multi-lingual personnel

• Physicians / Nurses on staff

• Locate local facilities

• Help with emergency situations

Optional Emergency Services & Assistance Rider: (If purchased the following will apply) Emergency Medical Evacuation/Repatriation: The Company shall pay benefits for Covered Expenses incurred up to the maximum stated in the SCHEDULE OF BENEFITS, if any covered Injury or Illness (if the Illness Coverage Rider is purchased) commencing during the Period of Coverage results in the Medically Necessary Emergency Medical Evacuation or Repatriation of the Insured Person. The Emergency Medical Evacuation or Repatriation must be ordered by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Emergency Medical Evacuation or Repatriation means: (a) the Insured Person's medical condition warrants immediate transportation from the medical facility where the Insured Person is located to the nearest adequate medical facility where Medical Treatment can be obtained; or (b) after being treated at a local medical facility as a result of a covered Emergency Medical Evacuation, the Insured Person's medical condition warrants transportation with a qualified medical attendant to his/her Home Country to obtain further Medical Treatment or to recover; or (c) both (a) and (b) above. All transportation arrangements must be by the most direct and economical route. The Emergency Medical Evacuation or Repatriation must be arranged by Seven Corners Assist in consultation with the Insured Person’s local attending Physician. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Return of Minor Child(ren): Should the Insured Person be traveling alone with a Minor Child(ren) and is hospitalized because of a covered Illness (if the Illness Coverage Rider is purchased) or Injury and the minor child(ren), under age 19, is left unattended, the Company will arrange and pay, up to the maximum stated in the SCHEDULE OF BENEFITS, for one way economy fares to their Home Country. These arrangements will be made at no cost to the Insured Person. Meals and lodging are the responsibility of the Insured Person. If an attendant/escort is necessary to insure the safety and welfare of Minor Child(ren), the Company will arrange and pay for these services to the limit stated in the SCHEDULE OF BENEFITS.

Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Return of Mortal Remains: The Company will pay the reasonable eligible expenses incurred up to the maximum stated in the SCHEDULE OF BENEFITS to return the Your remains to Your Home Country if You die, regardless of whether the death is related to a Pre-existing Condition. eligible expenses include, but are not limited to, expenses for embalming, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. If the Return of Mortal Remains is chosen the Local Cremation or Burial benefit will not apply. Any and all arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Local Cremation or Burial: The Company will pay the reasonable eligible expenses incurred up to the maximum stated in the SCHEDULE OF BENEFITS for preparation, local burial or cremation of Your mortal remains at the country of death in accordance with the commonly accepted cultural and religious beliefs practiced by You. Coverage is not provided for burial and cremation costs incurred for religious practitioner, flowers, music, food or beverages. If the Local Cremation or Burial is chosen the Return of Mortal Remains benefit will not apply. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Emergency Medical Reunion: When Emergency Medical Evacuation or Repatriation occurs, the Company will arrange and pay, up to the maximum stated in the SCHEDULE OF BENEFITS, for round trip economy-class transportation for one individual selected by the Insured Person, from the Insured Person’s Home Country to the location where the Insured Person is hospitalized and return to the Home Country. Emergency Medical Reunion must be recommended by the attending Physician. The benefits payable will include: (1) The cost of a round trip economy air fare; (2) Reasonable travel and accommodation expenses (not to exceed $200 per day) incurred in relation up to the maximum stated in the SCHEDULE OF BENEFITS. (3) The period of Emergency Medical Reunion is not to exceed fifteen (15), including travel. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Dental Emergency Treatment (Accident Coverage) – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the SCHEDULE OF BENEFITS, for Emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. You are not covered if you break a tooth while eating or biting into a foreign object. *Only available to programs purchased for 30 days or more.

Dental Emergency Treatment (Sudden Relief of Pain) – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the SCHEDULE OF BENEFITS, for Emergency Treatment for the relief of pain to Sound Natural Teeth. *Only available to programs purchased for 30 days or more.

Optional Illness Coverage Rider: (If purchased the following will apply) Adds Base Medical Benefits and Services coverage for Eligible Medical Expenses as a result of an Illness. Misuse of Emergency Room Deductible – $250 for each emergency room visit for Treatment of an Illness which does not result in a direct Hospital admission.

Waiver of Pre-existing Condition(s): If You are a United States resident traveling outside of Your Home Country, the Pre-existing Condition definition (under PLAN DEFINITIONS) is waived up to the maximum stated in the SCHEDULE OF BENEFITS in eligible medical expenses incurred outside the United States (Age 65+ limited to $2,500). Please see Medical Benefit Exclusions, exclusion #1 for details. Acute Onset of a Pre-existing Condition(s): If You are a non-U.S. resident under age 80, traveling in the United States, you are covered for an Acute Onset of a Pre-existing Condition(s) as defined in PLAN DEFINITIONS. This benefit does not apply to insureds age 80 or older. To be considered a Covered Expense under this benefit, the expenses for an Acute Onset must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States. Coverage is provided until the earliest of:

1. The condition is no longer acute; or

2. You are discharged from the Hospital.

This benefit covers one (1) acute episode per Pre-existing Condition. Coverage is available up to the maximum stated in the SCHEDULE OF BENEFITS for Eligible Medical Expenses. In addition, coverage is provided up to $25,000 for Emergency Medical Evacuation. Please see Medical Benefit Exclusions, exclusion #1(b) for details

If the Optional Illness Coverage Rider is purchased the following exclusion will replace #1 from the EXCLUSIONS AND LIMITATIONS on page

1. Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate.

This exclusion is waived for Eligible Benefits incurred as defined below:

If you are a United States Resident traveling outside your Home Country, this exclusion is waived for Eligible Benefits incurred outside the United States as defined below:

1) For persons less than age 65 with a Primary Health Plan as defined in the Certificate, Pre-existing Conditions are waived up to the medical maximum selected.

2) For persons less than age 65 without a Primary Health Plan as defined in the Certificate, Pre-existing Conditions are waived up to the first $20,000

3) For persons age 65 and over, Pre-existing Conditions are waived up to the first $2,500 regardless of whether there is a Primary Health Plan. This waiver does not include coverage for known, scheduled, required, required or expected medical care, drugs, or Treatments existent or necessary prior to the effective date of this program. If you are a non-United States Resident traveling outside your Home Country, this exclusion is waived for Eligible Expenses for an Acute Onset of Pre-existing Conditions as defined in this Certificate up to the maximum stated in the SCHEDULE OF BENEFITS, must be coordinated by Seven Corners Medical Management. Any reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-existing Condition and will not be eligible for additional coverage. A Pre-existing Condition which is a congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. Acute Onset of a Pre-existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility.

The following exclusion is removed from the EXCLUSIONS AND LIMITATIONS on page 19:

2. Any expenses related to Illness (unless the Optional: Illness Coverage Rider is purchased); Optional Crisis Event Rider: (If purchased the following will apply) Terrorism: Coverage for Eligible Benefits resulting from Terrorist Activity, subject to the maximum stated in the SCHEDULE OF BENEFITS, provided all of the following conditions are met:

1. The Insured Person has no direct or indirect involvement in the Terrorist Activity.

2. The Terrorist Activity is not in a country or location where the United States government has issued a travel warning that has been in effect within the six (6) months prior to the Insured Person’s date of arrival.

3. The Insured Person has not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government. Political Evacuation and Repatriation of Remains: If due to political or military events in a host country, a formal recommendation from the appropriate authorities is issued for the Insured to leave the Host Country or the Insured is expelled or declared persona non-grata by the host country, all reasonable expenses incurred for transportation to the nearest place of safety or for repatriation to the Insured's Home Country or country of residence are covered up to the maximum statement in the SCHEDULE OF BENEFITS. Evacuation must occur within 10 days of any such event. Coverage will apply to the most appropriate and economical means consistent under the circumstances with your health & safety. Evacuation costs will be paid once per Insured per occurrence. In the event this benefit is needed, arrangements must be made by Seven Corners Assist. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits. The Political Evacuation and Repatriation of Remains Benefit will not pay, should the Insured not heed Travel Warnings issued by the State Department or the appropriate authorities recommending that travelers avoid a certain country.

Exclusions Related to Political Evacuation and Repatriation:

For Political Evacuation and Repatriation, this Insurance does not cover: 1) Losses recoverable under any other insurance or through an employer; 2) Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by the Insured, b) alleged violation of the laws of the Host Country, unless the Company determines such allegations to be fraudulent, or c) failure to maintain required documents or visas; 3) Losses attributable to a) debt, insolvency, commercial failure, or the repossession of any property, b) Insured's non-compliance with a contract or license or c) implementation of illegally contributed exchange rates; 4) Losses due to liability assured by the Insured under any contract. 5) All costs not arranged by Seven Corners Assist.

Felonious Assault: The Company will pay up to the maximum stated in the SCHEDULE OF BENEFITS when the Insured suffers one or more losses for which benefits are payable under the Accidental Death Benefit, Accidental Dismemberment Benefit or Coma Benefit provided by the Certificate as a result of a Felonious Assault:

1. That is not a moving violation as defined under the applicable government motor vehicle laws; and

2. That is not an act of an Immediate Family Member, another Insured or an individual who resides with the Insured on a permanent basis.

Only one benefit is payable for all losses as a result of the same Felonious Assault. Natural Disaster Benefit: This Certificate shall pay up to the benefit stated in the SCHEDULE OF BENEFITS per day for five (5) days for the following expenses due to a Natural Disaster: Replacement accommodations in the event You are Displaced from planned, paid accommodations due to evacuation from a forecasted Natural Disaster or following a Natural Disaster. You must provide receipt of proof of payment for the accommodations from which You were Displaced. The Company will not cover any expenses provided by another party at no cost to You.

Natural Disaster Evacuation/Repatriation (only available for travel outside the United States): If You require Emergency Evacuation due to a Natural Disaster, which makes Your Host Country location Uninhabitable, as deemed by Seven Corners security personnel and as described in this document under “Natural Disaster Evacuation Triggers,” Seven Corners will arrange and pay for evacuation from a safe departure point to the nearest safe location. Seven Corners shall arrange and pay up to a maximum of three (3) days for reasonable accommodations related to lodging if You are delayed at the safe location. Seven Corners shall also arrange and pay for one-way economy airfare to return You to Your Home Country following a Natural Disaster Evacuation. This Certificate shall pay up to the maximum stated in the SCHEDULE OF BENEFITS.

You must contact Seven Corners as soon as possible after Your Host Country issues the official disaster declaration, as delays may make safe transportation impossible. The method of transportation will be as deemed most appropriate to ensure Your safety. If evacuation becomes impractical due to hostile or dangerous conditions, Seven Corners will maintain contact with and advise You until evacuation becomes viable or the natural disaster situation has been resolved.

Should commercial transportation be available, but transportation to the commercial transportation departure point will place You in imminent bodily harm, Seven Corners shall arrange and pay for Your secure transport to the departure point. Fees for commercial transportation and/or change fees are Yours once You reach the departure point where normal commercial transportation is available Natural Disaster Evacuation Triggers

If You are away from Your permanent residence when a Natural Disaster takes place, Seven Corners shall make arrangements for Your Natural Disaster Evacuation/Repatriation. The transportation will take place as determined by Seven Corners security personnel, in accordance with local and U.S. authorities, if You cannot obtain commercial transportation to the nearest safe location within a time period:

1. Enabling You to leave the Host Country in time to avert Imminent Bodily Harm; OR

2. Complying with the time allowed to leave the Host Country pursuant to the orders of the recognized government of that Host Country.

AND the below must occur:

3. Officials of the Host Country or the U.S. Embassy, have issued, for reasons due to the Natural Disaster situation, a recommendation that the categories of persons which include You should leave the Host Country.

OR

Your location in the Host Country is deemed Uninhabitable by Seven Corners security personnel. General Limitations Regarding Natural Disaster Evacuation Benefits Seven Corners security personnel will determine the need for evacuation in consultation with local governments and security analysts. Seven Corners may use any and all appropriate resources to evacuate You including, but not limited to, charter aircraft, ground and sea transportation in such circumstances where the point of departure may not be an international airport. In the case that an evacuation is impossible due to hostile conditions, Seven Corners will use security resources to maintain contact with You, to the greatest extent allowed by circumstance, until evacuation becomes possible or the Emergency is resolved.

In the event You are in an area in which an act of rebellion, riot, military uprising, war, terrorism, labor disturbance, strike, nuclear accident, or interference by authorities inhibits Seven Corners’ ability to fully provide services, Seven Corners shall nonetheless use its best efforts to provide its services, recognizing that obstacles beyond its control will affect the level of service. Seven Corners cannot be held responsible for failure to provide services or for delays caused by conditions beyond its control including, but not limited to, flight or weather conditions, strikes, unforeseen changes to airport regulations or restrictions, failure of You to comply with Seven Corners’ recommendations, or where rendering of service is prohibited by local laws or regulatory agencies. Seven Corners must make all arrangements for You. Services rendered without Seven Corners’ coordination and approval are not covered. No claims for reimbursement will be accepted.

If You are able to leave Your Host Country by normal means, such as changing a commercial airline ticket, Seven Corners will assist in rebooking flights or other transportation. Such expenses for non-emergency transportation are Your responsibility.

All legal actions arising under this Certificate shall be barred unless written notice thereof is received by Seven Corners within one (1) year from the date of the event giving rise to such legal action.

You may be required to release Seven Corners or any provider from liability during Emergency evacuation and/or repatriation. Seven Corners shall be under no obligation to provide the services to You, who in the sole opinion of Seven Corners, are located in areas that represent conditions in which providing services is impossible, including without limitation geographical remoteness, war (declared or undeclared), civil or other hostilities or political unrest.

Any payment for services will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including but not limited to, sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”). Therefore, any such expenses incurred or claims made involving travel that is in violation of such sanctions, laws and regulations will not be covered under this Certificate. For more information, you may consult the OFAC website at www.treas.gov/offices/enforcement/ofac/. Natural Disaster Evacuation/Repatriation Definitions

Evacuation” is the transportation of You from the Host Country to the nearest place of safety. “Repatriation” is the transportation of You from the safe location to Your Home Country. “Host Country” is the country which You have traveled to and which is not the United States. “Imminent Bodily Harm” is the existence of any condition or circumstance, which cannot be avoided through reasonable precautionary measures, and could be expected to cause death or serious physical harm to You, if You were to remain in the affected area where the Natural Disaster event has occurred. Covered Event” is the Natural Disaster Evacuation/Repatriation of You. In order to qualify as a Covered Event, the Natural Disaster Evacuation/Repatriation must occur as soon as reasonably possible following the event or events set forth in the definitions in Emergency Natural Disaster Evacuation/Repatriation. The event or events shall be deemed to commence at the first manifestation of a natural event in which You are in danger of Imminent Bodily Harm.

Natural Disaster” means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage such that the government of the Host Country issues an official disaster declaration and determines the affected area to be Uninhabitable. Natural Disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where:

1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour period from the path forecast by a nationally recognized meteorological service

2. Or less than 72 hours advance notice of a potential landfall for a named storm exists. Uninhabitable” means Your Host Country location is deemed unfit for residence, as determined by Seven Corners security personnel in accordance with U.S. and local authorities, due to lack of habitable shelter, food, heat and/or potable water AND no suitable supplemental housing is available within 100 miles of the disaster site.

Exclusions Related to Natural Disaster Evacuation/Repatriation Benefits

1. The Natural Disaster Evacuation/Repatriation of You while in the United States;

2. Any medical expenses incurred by You;

3. The kidnap and/or ransom of You;

4. Any expenses not related to Natural Disaster Evacuation/Repatriation, including expenses for transportation from the Host Country by normal commercial mans;

5. Natural Disaster Evacuation/Repatriation when the Natural Disaster situation directly giving rise to it precedes Your arrival;

6. The evacuation of You from a Host Country when the evacuation notice issued by the United States or Host Country Government has been posted for a period of more than sixty (60) days;

7. You elect not to depart in a timely manner with evacuation arrangements coordinated by Seven Corners. In this circumstance, coverage for Natural Disaster Evacuation/Repatriation is immediately terminated;

8. Services rendered without the coordination and approval of Seven Corners;

9. Any country subject to the administration and enforcement of U.S. economic embargoes and trade sanctions by the OFFICE OF FOREIGN ASSETS CONTROL (OFAC);

10. Any services other than those indicated and described within this document will not be provided;

11. While traveling within 50 miles of Your primary place of residence; Optional Trip Benefit Rider: (If purchased the following will apply) Interruption of Trip: If the Insured is unable to continue the Trip due to the death of a parent, spouse, sibling or child; or due to serious damage to the Insured’s principal residence from fire, flood or similar Natural Disaster (tornado, earthquake, hurricane, etc.), the program will reimburse (up to the maximum stated in the SCHEDULE OF BENEFITS) the Insured for the cost of economy travel, less the value of applied credit from an unused return travel ticket, to return home to their area of principal residence. Failure to utilize Seven Corners Assist to arrange for these services will result in the denial of benefits.

Exclusions related to Interruption of Trip: 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; the Insured Person or Traveling Companion or Traveling Companion’s family making changes to personal plans; having business or contractual obligations; being unable to obtain necessary travel documents (passports, visas, etc.); being detained or having property confiscated by customs authorities; carrier caused delays (including bad weather); prohibition or regulatory by any government; default of yacht charter companies; default of the organization from which the Insured Person purchased their trip arrangements.

Loss of Checked Baggage: This plan will reimburse You for lost baggage and personal effects checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. The baggage and personal effects must be owned by and accompany You at all times. Benefits will be paid to the maximum stated in the SCHEDULE OF BENEFITS. The plan will pay the lesser of the following:

1. The actual cash value (cost less proper deduction for depreciation at the time of loss);

2. The cost to repair or replace the article with material of a like kind and quality; or

3. $50 per article.

This coverage is secondary to any coverage provided by a Common Carrier. You must furnish proof to the Underwriter that full reimbursement has been obtained from the airline Exclusions related to Loss of Checked 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 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.

Optional Hazardous Sports Rider: (If purchased the following will apply) To cover motorcycle/motor scooter riding (whether as a passenger or a driver), hang gliding, Parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking. Coverage is provided only if the required premium has been paid.

Optional Personal Liability Rider: (If purchased the following will apply) Subject to the Limits set forth in the Schedule of Benefits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay or reimburse the Member for eligible court-entered judgments or Company-approved settlements arising as a result of or in connection with the personal liability of the Member incurred for acts, omissions and other occurrences covered under this insurance for losses or damages solely, directly and proximately caused by the negligent acts or omissions of the Member during the Certificate Period that result in the following:

1. Injury to a Third Person occurring during the Certificate Period; and/or

2. Damage or loss to a Third Person’s personal property during the Certificate Period; and/or

3. Damage or loss to a Related Third Person’s personal property during the Certificate Period.

The Maximum payable under this benefit is $100,000. With respect to covered and eligible personal liability claims, Underwriters will pay the Member for associated reasonable legal fees and out-ofpocket costs incurred by the Member with respect to the determination and/or settlement of such legal liability.

Conditions and Restrictions: a) The Member must notify Underwriters within thirty (30) days of any act, omission or occurrence that may create or impose any personal liability upon the Member, and also within thirty (30) days of the initiation or receipt of service of any actual or threatened lawsuit, notice of claim, or proceeding filed or threatened to be filed against the Member with respect to same. In addition, such notification(s) to Underwriters shall include a recitation of all circumstances, facts, and known or presumed causes of any loss or damage, and a description of the nature and approximate amount of any damages suffered by any Third Person or Related Third Person. In addition, immediately upon receipt thereof the member shall provide to Underwriters copies of any pleadings, complaints, lawsuits, petitions, demand letters, notices, orders, summonses, subpoenas, opinions, briefs, motions, letters from opposing counsel, and any other documents or papers with respect to any such lawsuit or proceeding that are received or issued by, addressed to or from, remitted to or by, or served by or upon the Member or his/her counsel. Any failure to so notify or provide papers or documents to Underwriters in strict accordance with the foregoing shall be deemed to be and will result in a forfeiture and waiver of any and all benefits, claims or coverages otherwise provided by this insurance under this endorsement.

b) Underwriters shall have the absolute right and authority without further consent or approval of the Member to intervene in its own name and on its own behalf as a party in interest with respect to any lawsuit, civil action or other proceeding in which the Member is involved and for which Underwriters may have exposure for coverage or benefits under this insurance, and shall be entitled to fully participate, receive due and proper notice of all matters, and have an opportunity to be heard with respect to all issues, controversies and other proceedings or hearings of any kind.

c) With respect to any personal liability of the Member for which he/she is or may be jointly or jointly and severally liable with other Third Persons or Related Third Persons, Underwriters shall be fully subrogated to all rights of contribution, indemnity, recoupment and recovery of proportional shares from other joint tort-feasors whose negligence contributed in whole or in part to the subject injury or loss and who are or may also be liable to the Member or the injured/damaged person.

d) As a condition precedent to any liability or obligation of Underwriters to provide coverages or benefits for personal liability under this insurance, no settlement, compromise, accord, admission of fault or liability, default, default judgment, waiver, release, indemnity, hold harmless, or other concession of any kind shall be given, made, committed, allowed, granted or agreed to by or on behalf of the Member to any Third Person or Related Third Person without the prior express written approval and consent of Underwriters, and any failure to comply with this condition precedent shall void, waive and forfeit all benefits and coverages for legal assistance, advancement of bail, or coverage for personal liability under this insurance.

e) Underwriters shall not be liable or obligated to provide any coverage or benefits or to pay or reimburse any claim, damage or loss under this insurance for, and no coverage or benefits shall be eligible or available under this insurance with respect to, any legal fees, legal costs or expenses, advancements of bail, or for any personal injury or property damage claims, liability awards or judgments in the event there exists any other insurance, insurance fund, membership benefits, workers’ or workplace compensation coverage program or other similar governmental program, reimbursement or indemnification coverage, right of contribution, recoupment or recovery, contract, or any other third-party obligation or liability for provision of benefits (“Primary Coverage”) which would, or would but for the existence of this insurance, be available or obligated to provide such benefit or to pay or reimburse or provide indemnity for such claim, damage or loss, except in respect of any excess beyond the amount payable or provided under such Primary Coverage had this insurance not been effected. Further, Underwriters shall not be liable or obligated to provide any benefit or to pay or reimburse any claim for injury, loss or damage to the extent coverage for same is furnished or provided by any program or agency funded or controlled by any government or government authority.

f) No Third Person or Related Third Person is intended to have, shall be deemed or construed to have, or shall have any rights or interest as a “third-party beneficiary” under the Master Policy, and any allegation or assertion of any such status, or any direct claim or other attempt to legally enforce alleged rights by such Third Person or Related Third Person against Underwriters, the Plan Administrator, or the Participating Organization based on any allegation or assertion of any such status, shall be subject to summary dismissal. Notwithstanding any law, statute, judicial decision, or rule to the contrary which may be or may purport to be otherwise applicable within the jurisdiction, locale or forum state of any Member, Third Person or Related Third Person or the situs of any alleged personal injury, property damage or other loss, no transfer or assignment of any of the Participating Organization’s rights, benefits or interests under this Certificate, and no transfer or assignment of any Member’s rights, benefits or interests under this insurance as a beneficiary thereof, shall be valid, binding on, or enforceable against Underwriters (or the Plan Administrator) unless first expressly agreed and consented to in writing by Underwriters, which agreement and/or consent may be reused and/or withheld for any or no reason at the sole discretion of Underwriters. Any such purported transfer or assignment not in strict compliance with the foregoing provisions of this section shall be void ab initio and without effect as against Underwriters (and the Plan Administrator) and any assertion or claim of same shall be subject to summary dismissal, and Underwriters (and the Plan Administrator) shall have no liability of any kind under this insurance to any such purported transferee or assignee with respect thereto.

g) Underwriters will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to or for the benefit of the Member to settle and compromise an asserted claim against the member arising from personal injury or property damage so long as: i. The asserted claim is one that may be eligible for coverage under this insurance and is not expressly excluded;

ii. A lawsuit has not yet been filed, or, if already filed, an answer or other response has not yet been filed thereto;

iii. The Member obtains a full written release and/or covenant-not-to-sue upon such terms and conditions as are satisfactory to Underwriters in their sole discretion

iv. A full proof of claim, medical bills, accident form, and such other documentation and/or proof of loss is provided to Underwriters inform and substance satisfactory to Underwriters; and The member first pays the deductible, as stated in the Schedule of Benefits and limits, for such injury or loss. Exclusions related to Personal Liability: You shall have no benefits or coverages for, and Underwriters shall have no liability or obligation of any kind to pay or reimburse You or any Third Person or Related Third Person for, any changes, fees (including attorneys’ fees), costs, expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any Third Person or Related Third Person, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this insurance and all of which Underwriters will provide no benefits or coverages for and shall have no liability or obligation for same, and Underwriters will not pay or reimburse You or any Third Person or Related Third Person for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:

• 1. Any damages, losses or claims caused in whole or in part by You during any hunt or as a result of hunting.
• 2. Any criminal, fraudulent, deceptive, willful, reckless, malicious or other unlawful acts or omissions committed by You, or any acts or omissions committed by You in connection with the violation or breach of any laws, statutes, ordinances, legal orders, rules or regulations to which You are subject or by which You are bound.
• 3. Any loss, damage or claim arising or resulting from the use of any firearms, fireworks, explosives, welding equipment, propane tanks, or other flammables, deadly weapons or hazardous implements.
• 4. The pursuit of any trade, business, profession or employment activity.
• 5. Ownership, possession, control or occupation of any land or building.
• 6. Ownership, possession, control or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider or any other motorized, gravity-induced, or self-propelled vehicle or craft of any kind.
• 7. Resulting from any fire, flood, wind, hail, water leak, gas leak, explosion or other catastrophe or loss occurring in or about the residence or premises of any Related Third Person, or in or about the residence or any other premises of which You are the owner, lessee, invitee, licensee, occupant or resident, or in or about any residence or premises which are contiguous or adjacent to any of the foregoing residences or premises.
• 8. The consequences of any breach, violation or failure to perform any contractual undertakings or obligations of the Member, whether verbal or in writing.
• 9. Criminal or disciplinary proceedings, charges, arrests, indictments, or arraignments of any kind.
• 10. Shoplifting, vandalism, theft, conversion, misappropriation, public drunkenness, fighting or brawling, arson, or any malicious or intentional activity resulting in personal injury or destruction of property.
• 11. Gross negligence, fraud, bad faith, assault and battery, domestic disputes, and all other intentional torts or actions based or sounding in tort without regard to how named or presented.
• 12. Any collusion, conspiracy, deceit or other fraudulent scheme or artifice to defraud or other fraudulent means or methods.
• 13. Fines, penalties, assessments or claims by any governmental authorities or regulatory bodies, including traffic fines or traffic violations or parking tickets, and the costs, fees or expenses incurred by You as a witness, custodian, or in any other non-party status in connection with responding to any order to appear in court, subpoena, subpoena duces tecum, notice of deposition, or any other nonparty legal or administrative proceeding or activity.
• 14. All non-compensatory damages, including without limitation, damages imposed as a punishment, punitive or exemplary damages, consequential damages, lost profits, criminal damages, excessive damages, expectancy damages, incidental damages, liquidated damages, presumptive damages, prospective damages, special damages, speculative damages, statutory damages, double, treble or other multiples of damages, and/or unliquidated damages, and all claims and damages for pain and suffering, loss of consortium, physical discomfort, mental or emotional distress, trauma, disfigurement, dismemberment, loss of use, or scarring.
• 15. Contractual or employer’s liability or workman’s compensation claims.
• 16. Animals or pets belonging to You or any Related Third Person, or in the care, custody or control of You or any Related Third Person.
• 17. Intentionally committed acts caused or brought about by You.
• 18. Arising or occurring while You are to any extent under the influence of alcohol or drugs, or due to Your use of drugs, prescription medicines, narcotics or tranquilizers not medically prescribed for You by a licensed physician.
• 19. Caused by suicide or attempted suicide of You.
• 20. Participation of You in gambling, gaming, or betting of any kind.
• 21. Participation of You in any fights, brawls, criminal activity or other unlawful activity.
• 22. During the practice or participation of sports, recreational endeavors, or athletic activities either as a professional, amateur or novice, unless performed solely for recreational purposes or during high school activities.
• 23. Adventure sports of any kind, including but not limited to, American football, boxing, bungee jumping, mountaineering, martial arts, skiing beyond one’s abilities, outside of marked boundaries, in violation of rules or regulations, or on unmarked slopes, sky diving, scuba diving, hang gliding, ski jumping, bobsledding, offshore boating, caving and spelunking, polo, fighting sports, Parachuting, hunting, piloting an aircraft, wind-surfing, professional sporting activities of any kind, racing activity of any kind, and any attempt to make or set sporting records.
• 24. Occurring when You are a passenger in an aircraft other than a commercial aircraft.
• 25. War, military action or terrorism as defined herein.
• 26. Thermal, mechanic, radioactive and other effects due to any modification of the atomic structure of matter or the artificial acceleration of atomic particles or due to radiation from radio-isotopes, or the use of nuclear or chemical materials.
• 27. Judgments or damage awards that have not been ordered, declared or entered within twelve (12) months from the date of the act, omission, occurrence or event causing personal injury or property damage, or within twelve (12) months from the date of termination of group coverage under a Certificateissued under the Master Policy, whichever is earlier.
• 28. Any lawsuit, claim for benefits, enforcement action, complaint, or other civil or administrative proceeding of any kind brought by or on behalf of You or any Third Person or Related Third Person against Underwriters, the Administrator, and/or the Participating Organization, including without limitation any lawsuit or proceeding alleging breach of contract, bad faith, or any tortuous conduct of any kind, seeking equitable or declaratory relief, or otherwise seeking the recovery, enforcement or effectuation of any benefits or coverages under this Insurance.
• 29. Any loss, personal injury, property damage or other claim arising or resulting from any act, omission, failure to act, event or other occurrence committed or occurring at any time prior to or subsequent to the Period of Coverage.
• 30. Any personal injury, medical expense, damage or other loss suffered by a Related Third Person, except for damage to a Related Third Person’s personal property which shall be limited to put a maximum of $2,500 and subject to the per Injury/Illness Deductible set forth in the Schedule of Benefits.

Acute Onset of Pre-existing Conditions

Available only for non-U.S. residents   under age 70 traveling outside their home country up to $50,000 per person per Period of Coverage.    (Ages 70-79, up to $15,000, Age 80+, no benefit) Up to an additional $25,000 per person per Period of Coverage for Emergency Medical Evacuation related to an Acute Onset of a Pre-Existing Condition

Acute Onset of a Pre-existing Condition

If You are a non-U.S. resident under age 80, traveling in the United States, you are covered for an Acute Onset of a Pre-existing Condition(s) as defined in PLAN DEFINITIONS. This benefit does not apply to insureds age 80 or older. To be considered a Covered Expense under this benefit, the expenses for an Acute Onset must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States. Coverage is provided until the earliest of:

1. The condition is no longer acute; or

2. You are discharged from the Hospital

This benefit covers one (1) acute episode per Pre-existing Condition. Coverage is available up to the maximum stated in the SCHEDULE OF BENEFITS for Eligible Medical Expenses. In addition, coverage is provided up to $25,000 for Emergency Medical Evacuation. Please see Medical Benefit Exclusions, exclusion #1(b) for details.

shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the Certificate. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a Congenital condition or that gradually becomes worse over time will not be considered Acute Onset. A Pre-existing Condition will not be considered an Acute Onset if during the 30 days prior to the acute event You had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of coverage. Pre-existing Condition

shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy.

EXCLUSIONS AND LIMITATIONS

For Medical Benefits, Dental Benefits, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Local Cremation or Burial, Emergency Medical Reunion, and Return of Minor Child(ren), this Insurance does not cover:

1. Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate.

2. Any expenses related to Illness (unless the Optional: Illness Coverage Rider is purchased)

3. Injury or Illness which is not presented to the Underwriter for payment within 90 days of receiving Treatment;

4. Charges for Treatment which is not Medically Necessary

5. Charges provided at no cost to You;

6. Charges for Treatment which exceeds Reasonable and Customary charges;

7. Charges incurred for Surgery or Treatments which are, Experimental/Investigational, or for research purposes;

8. Services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;

9. Suicide, or any attempt thereof, while sane or self destruction or any attempt thereof, while sane;

10. War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not. For the purpose of this Exclusion; ii) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). iii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). iv) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;

11. Terrorist Activity. For the purpose of this Exclusion, Terrorist Activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist Activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of Terrorist Activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).The Company shall not be liable for and will not provide coverage or benefits in excess of the maximum stated in the SCHEDULE OF BENEFITS for any claim or charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any act of Terrorism; and provided, further, the Company shall not be liable for and will not provide any coverage or benefits for any claim, charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with the following:

a. The Insured Person’s direct or indirect involvement in the Terrorist Activity.

b. The Terrorist Activity takes place in a country or location where the United States government has issued a travel warning that has been in effect within the six (6) months prior to the Insured Person’s date of arrival.

c. The Insured Person unreasonably fails or refuses to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

11. Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.

12. Injury sustained while participating in amateur or interscholastic athletics, including but not limited to the event, games, practice, conditioning and any other activity related to amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities. Note: A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation.

13. Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a disablement established by a prior call or attendance of a Physician;

14. Treatment of the temporomandibular joint;

15. Vocational, speech, recreational or music therapy;

16. Services or supplies performed or provided by a relative of Yours, or anyone who lives with You;

17. Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this plan, Treatment of a deviated nasal septum shall be considered a cosmetic condition;

18. Elective Surgery which can be postponed until You return to Your Home Country, where the objective of the trip is to seek medical advice, treatment or Surgery;

19. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;

20. Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;

21. Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent;

22. Injury sustained or Disablement due wholly or partly to the Insured being intoxicated as defined and determined by the laws of the state where the Injury occurred; or to the Insured being under the influence of any narcotic, unless administered on the advice of a Physician;

23. Any Mental and Nervous disorders or rest cures;

24. Congenital abnormalities and conditions arising out of or resulting there from;

25. Expenses which are non-medical in nature;

26. Expenses as a result of or in connection with intentionally self-inflicted Injury or Illness;

27. Expenses as a result of or in connection with the commission of a felony offense;

28. Injury sustained while taking part in Mountaineering, hang gliding, paragliding, Parachuting, paragliding, zip lining, parasailing, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless SSI, PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snow skiing and snowboarding (except for recreational downhill and/or cross country snow skiing or snowboarding. No cover provided while skiing/boarding in any violation of applicable laws, rules or regulations, away from prepared and market in-bound territories; and/or against the advice of the local ski school or local authoritative body); and any sport or athletic activity which is undertaken for thrill seeking and exposes the Plan Participant to abnormal or extreme risk of injury; Hazardous Sports Coverage: the following are covered if the required premium has been paid: motorcycle/motor scooter riding (whether as a passenger or a driver), hang gliding, Parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking.

29. 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 plan or facility set up for treatment without any cost to You;

30. Treatment of venereal disease, including all sexually transmitted diseases and conditions, and any and all consequences thereof;

31. Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this plan;

32. Routine Dental Treatment;

33. For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage;

34. For miscarriage resulting from Accident or complications of Pregnancy;

35. Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof;

36. Treatment for human organ tissue transplants and their related treatment;

37. Expenses incurred while in Your Home Country, except as provided under the Home Country Coverage;

38. Expenses incurred during a Hospital emergency visit which is not of an emergency nature;

39. Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical treatment for a condition;

40. Covered Expenses incurred during a Trip after Your Physician has limited or restricted travel;

41. This plan does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act.

42. Sex change operations, or for treatment of sexual dysfunction or sexual inadequacy;

43. Weight reduction programs or the surgical treatment of obesity;

44. Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), Aids-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV).

45. Treatment for learning disabilities, altitudinal disorders, or disciplinary problems;

46. Services not shown as covered.

CANCELLATION

Refund of total plan cost will only be considered if written request is received by the Administrator prior to the Effective Date of Coverage. If written request is received after the Effective Date of Coverage, the unused portion of the Plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to the Administrator for reimbursement.

Cancellation: The Plan can be terminated at any time by either the Company or the Administrator by giving at least thirty (30) days written notice to the group and to the Insured Person(s). Such cancellation will have no effect on this Plan prior to the date of the termination, or on Eligible Benefits under this insurance accrued prior thereto. Once terminated, no additional Certificates will be issued or further applications accepted.

Cancellation. If this Certificate provides for cancellation and this Certificate is cancelled after the inception date, earned premium must be paid for the time the insurance has been in force Cancellation Fee:$ 25.

RENEWAL

A continuation of coverage option is available to You if Your Initial Period of Coverage is less than three hundred and sixty-four (364) days. If You must extend Your trip beyond Your Initial Period of Coverage, You may extend Your Period of Coverage but may not exceed three hundred and sixty-four (364) days in total from Your original effective date. Your original effective date will be used to calculate Your Deductible and Coinsurance and to determine any Pre-existing Conditions.

Please note that a new certificate or certificate number will not be issued. The original certificate’s expiration date will be extended to the new expiration date You have requested, not to exceed three hundred and sixty-four (364) days in total from Your effective date. Prior to Your expiration date, Seven Corners will send a renewal notice to your e-mail address, providing you with the opportunity to extend coverage. A $5.00 Administrative Fee will be included on each renewal period. Renewals, if offered by the Underwriter, will be subject to the definitions, benefits,conditions, in force at the time of each renewal.