INTERNATIONAL MEDICAL INSURANCE

Accident / Sickness Medical Benefit: US $50,000 per insured person per policy period.

Deductible: Insured person pays the first US $250.00 of eligible expenses per policy period.

Coinsurance: After selected deductible, policy pays 80% of next US $5,000, thereafter policy pay 100% of eligible expenses up to selected Medical Benefit Limit.

When a covered injury or illness is incurred by the insured person the Company will pay reasonable and customary medical charges for Covered Expenses, excess of the Deductible and Coinsurance as stated in the Schedule of Benefits. In no event shall the company�s maximum liability exceed the maximum stated in the Schedule of Benefits.

The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by the insured person.

Only such expenses, incurred as the result of a disablement, which are specifically enumerated in the following list of charges, and which are not excluded in the Exclusions, shall be considered as Covered Expenses:

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 nonmedical nature; provided, however, that expenses do not exceed the Hospital�s average charge for semiprivate room and board accommodation.

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. Hotel room charge, when the insured person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owning to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the insured person.

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

11. Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.

12. 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, within the metropolitan area in which the insured person is located at that time the service is used. If the insured person is in a rural area, then licensed ground ambulance transportation to the nearest metropolitan are shall be considered a Covered Expense.

Standard Group Policy is valid only for the dates of specific tour you are attending. If you are arriving prior to the scheduled tour dates or extending your trip past the scheduled departure date you will need to extend the group coverage to include additional days. Additional days may be added at the rate of $2.00 per day.

Only those expenses specifically described above which are incurred within six months from the onset of an injury or illness and which are not excluded (see �Exclusions�) are considered Covered Expenses. Initial treatment must occur within 60 days of the incident. Illness must first manifest itself during the Period of Coverage.

The Company shall pay benefits for Covered Expenses incurred up to $50,000, if any covered injury or illness 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 the company�s appointed assistance company in consultation with the insured person�s local attending physician.

Emergency medical evacuation or repatriation means: a) the insured persons�s medical condition warrants immediate transportation from the place 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 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 Company will pay the reasonable covered expenses incurred up to a maximum of $20,000 to return the insured person�s remains to his/her then current home country, if he or she dies.

NOTE: In the event of an emergency medical evacuation, repatriation of mortal remains benefit is needed, arrangements must be made by the assistance service provider. Complete details about required notification of the assistance service provider are contained in the certificate of insurance.

The travel assistance benefits described below are provided by Federal Assist Company. The office is staffed 24 hours a day, 7 days a week with multilingual representatives.

Telephone information about passports, visas.
Telephone information about health hazards in remote areas.
Telephone information about inoculations.
Help in arranging special medical treatment facilities needed while traveling.

24-hour telephone contact for travel medical emergencies help in locating medical care.
Arranging telephone conferences between your attending and home physicians.
Arranging second medical opinions in hospital cases.
Relaying emergency messages to family and employer during medical emergencies.
Guarantee or payment of medical bills using your available financial resources.
24-hour ticketing service to arrange family visits
Arranging emergency medical evacuation from medically under served areas.
Arranging evacuation for catastrophic claims.
Arranging medical transportation home after treatment.
Arranging escorts and transportation for unaccompanied children.
Arranging transfer of medical records.
Arranging repatriation of remains for deceased travelers.
Notify your health insurer of a claim.

Arranging for transfer of funds

24-hour telephone contact for travel legal emergencies
Help in locating a consulate officer or attorney
Guarantee or payment of legal bills using your available financial resources.
Relaying emergency messages between family, employer and attorneys.

24-hour telephone contact for baggage and other travel problems.
Advice on handling losses and delays.
Follow-up contact with airlines regarding baggage.
Help with lost passports, ticket and documents.
Guarantee or payment of emergency expenses using your available financial resources. Arranging shipments of forgotten, lost or stolen items. Relaying emergency messages.

For medical expense benefits covered under this policy, this insurance does not cover:

Any injury or illness which meets the following criteria: 1) a condition that would have caused a person to seek medical advise, diagnosis, care or treatment during the 12 months prior to the effective date of coverage under this Policy; 2) a condition for which medical advise, diagnosis, care or treatment was recommended or received during 12 months prior to the effective date of coverage under this policy.

The MEGA Life and Health Insurance Company (MEGA) is a wholly owned subsidiary of UICI. MEGA is a leading force in the self-funded medical insurance, student accident and health, and college fund individual life markers. They are the largest writer of student insurance in the United States.

The MEGA Life and health insurance company, ranked �A� (Excellent) by A.M. Best and �AA-� by Duff & Phelps Credit Rating Co. (claims paying ability).