Common use of INTERNATIONAL EMERGENCY MEDICAL ASSISTANCE ( Clause in Contracts

INTERNATIONAL EMERGENCY MEDICAL ASSISTANCE (. ‘IEMA’) 1. This is one of the benefits of your plan for an eligible medical condition. The service is provided by an international assistance company who acts for us. 2. The terms and definitions in your plan also apply to the service, and any limitation of cover for the service shown in the policy schedule will apply. For this section only we have given some more words and phrases special meanings. These are: (a) appointed doctor: a medical practitioner chosen by us to advise us on the member’s medical condition and/or need for the service and/or the suitability and adequacy of the medical facilities in the country where the member has been admitted to hospital. (b) service: moving the member to another hospital which has the necessary medical facilities either in the country where the member is taken ill or in another nearby country (evacuation) or bringing them back to their principal country of residence. (c) home country: the country as shown in our records which the member regards as home and which issues the member’s passport. 3. The service is available worldwide to any member who is injured or becomes ill suddenly due to an eligible medical condition and needs immediate hospital treatment as an in-patient. The service is only available in these circumstances and as follows: (a) if the member is admitted to hospital while abroad from their principal country of residence then, if in the opinion of the appointed doctor the medical facilities there are not suitable or adequate, they will be entitled to evacuation or repatriation; (b) if the member is admitted to hospital while in their principal country of residence then, if in the opinion of the appointed doctor the medical facilities in the principal country of residence are not suitable or adequate, the member will be evacuated to the nearest place where appropriate treatment are available; (c) following evacuation, in accordance with (3.a.) or (3.b.) above, the member concerned shall be entitled to be returned, by regular scheduled airline unless we agree that another means of transport is necessary, to his principal country of residence. Please note: Member is not entitled to be repatriated to his home country when admitted to hospital in his principal country of residence. Evacuation will always be to the nearest place where the necessary facilities are available. It follows that a member may be evacuated to the home country but only if we conclude that, on the basis of the medical facts, this is the nearest appropriate destination. 4. The exclusions in the policy do not apply to the service but will apply to any treatment received following repatriation to the principal country of residence, or any country to which the member has been evacuated. If the service is needed you must contact the emergency control centre so that immediate help or advice can be given over the phone. Arrangements may then be made for an appointed doctor to make all necessary enquiries and arrange to move them if necessary. If an appointed doctor thinks it is necessary then the service will be carried out under medical supervision. 5. All the arrangements must be made by us. The member may be transported by air ambulance, by a regular airline or by any other method of transport we consider appropriate. We will decide on the method of transport and the date and time. (a) In all cases where the member is below the age of eighteen (18) years, another person, who must be eighteen (18) years or over, may accompany the member while they are being moved. We will pay the reasonable and customary costs of this, including any additional accommodation costs (up to ten

INTERNATIONAL EMERGENCY MEDICAL ASSISTANCE (. ‘IEMA’) 1. This is one of the benefits of your plan for an eligible medical condition. The service is provided by an international assistance company who acts for us. 2. The terms and definitions in your plan also apply to the service, and any limitation of cover for the service shown in the policy schedule will apply. For this section only we have given some more words and phrases special meanings. These are: (a) appointed doctor: a medical practitioner chosen by us to advise us on the member’s medical condition and/or need for the service and/or the suitability and adequacy of the medical facilities in the country where the member has been admitted to hospital. (b) service: moving the member to another hospital which has the necessary medical facilities either in the country where the member is taken ill or in another nearby country (evacuation) or bringing them back to their principal country of residence. (c) home country: the country as shown in our records which the member regards as home and which issues the member’s passport. 3. The service is available worldwide to any member who is injured or becomes ill suddenly due to an eligible medical condition and needs immediate hospital treatment as an in-patient. The service is only available in these circumstances and as follows: (a) if the member is admitted to hospital while abroad from their principal country of residence then, if in the opinion of the appointed doctor the medical facilities there are not suitable or adequate, they will be entitled to evacuation or repatriation; (b) if the member is admitted to hospital while in their principal country of residence then, if in the opinion of the appointed doctor the medical facilities in the principal country of residence are not suitable or adequate, the member will be evacuated to the nearest place where appropriate treatment are available; (c) following evacuation, in accordance with (3.a.) or (3.b.) above, the member concerned shall be entitled to be returned, by regular scheduled airline unless we agree that another means of transport is necessary, to his principal country of residence. Please note: Member is not entitled to be repatriated to his home country when admitted to hospital in his principal country of residence. Evacuation will always be to the nearest place where the necessary facilities are available. It follows that a member may be evacuated to the home country but only if we conclude that, on the basis of the medical facts, this is the nearest appropriate destination. 4. The exclusions in the policy do not apply to the service but will apply to any treatment received following repatriation to the principal country of residence, or any country to which the member has been evacuated. If the service is needed you must contact the emergency control centre so that immediate help or advice can be given over the phone. Arrangements may then be made for an appointed doctor to make all necessary enquiries and arrange to move them if necessary. If an appointed doctor thinks it is necessary then the service will be carried out under medical supervision. 5. All the arrangements must be made by us. The member may be transported by air ambulance, by a regular airline or by any other method of transport we consider appropriate. We will decide on the method of transport and the date and time. (a) In all cases where the member is below the age of eighteen (18) years, another person, who must be eighteen (18) years or over, may accompany the member while they are being moved. We will pay the reasonable and customary costs of this, including any additional accommodation costs (up to ten

INTERNATIONAL EMERGENCY MEDICAL ASSISTANCE (. ‘IEMA’) 1In addition to the private healthcare aspect of your plan, you may depending on the benefits included, have access to Emergency Medical Assistance. This is one of a worldwide, 24 hours a day, 365 days a year emergency service providing medically necessary evacuation or repatriation services. If you need immediate in-patient treatment, where local facilities are unavailable or inadequate, a phone call to the benefits International Assistance Company on 000-000-000-0000 will alert the International Emergency Assistance service. Entitlement to the evacuation service does not mean that your treatment following evacuation or repatriation will be eligible for benefit. Any such treatment will be subject to the terms of your plan for an eligible medical conditionplan. The service is provided by an international assistance company who acts for us. 2. The terms and definitions in your plan also apply We will cover the costs of emergency evacuation if: ⚫ you are, or need to the servicebe, and any limitation of cover for the service shown in the policy schedule will apply. For this section only we have given some more words and phrases special meanings. These are: (a) appointed doctor: a medical practitioner chosen by us to advise us on the member’s medical condition and/or need for the service and/or the suitability and adequacy of the medical facilities in the country where the member has been admitted to hospital. (b) service: moving the member to another hospital which has the necessary medical facilities either in the country where the member is taken ill or in another nearby country (evacuation) or bringing them back to their principal country of residence. (c) home country: the country as shown in our records which the member regards as home and which issues the member’s passport. 3. The service is available worldwide to any member who is injured or becomes ill suddenly due to an eligible medical condition and needs immediate hospital treatment as an emergency in-patient. The service is only available in these circumstances , and as follows: (a) if the member is admitted to hospital while abroad from their principal country of residence then, if in the opinion of the ⚫ our appointed doctor and the medical facilities there treating doctor believe your current or nearest hospital is not able to provide the treatment you need. We will cover the costs of repatriating you if we have agreed to cover your emergency evacuation. We will not cover the cost of evacuating or repatriating you if you decide to travel elsewhere for treatment and we believe the nearest hospitals are not suitable or adequate, they will be entitled adequate for your treatment. This includes if you decide you want to evacuation or repatriation; (b) if the member is admitted travel back to hospital while in their principal country of residence then, if in the opinion of the appointed doctor the medical facilities in the principal country of residence for your treatment. If you are admitted as an emergency in-patient and you or the treating doctor believe that the local medical facilities are not suitable or adequateadequate to treat you, the member ask somebody to call our emergency number. We will appoint a doctor who will be able to assess the hospitals and the evacuation or repatriation service detailed at the beginning of this section will apply. If the doctor we appoint decides that the hospitals are not adequate to treat you, we will cover the reasonable costs of either: ⚫ evacuating you to a suitable medical hospital for treatment in the country you are in; or ⚫ evacuating you to a suitable medical hospital in a different country for treatment. When you are discharged from the hospital you were evacuated to, we will cover the costs of repatriating you to one of the nearest place where appropriate treatment are available; (c) following evacuation, in accordance with (3.a.) or (3.b.) above, the member concerned shall be entitled to be returned, by regular scheduled airline unless we agree that another means of transport is necessary, to his following: ⚫ your principal country of residence. Please note: Member is not entitled to be repatriated to his home residence ⚫ a country when admitted to hospital in his principal country of residence. Evacuation will always be to the nearest place where the necessary facilities are available. It follows that you hold a member may be evacuated to the home country but only if we conclude that, on the basis of the medical facts, this is the nearest appropriate destination. 4. The exclusions in the policy do not apply to the service but will apply to any treatment received following repatriation to the principal country of residence, or any country to which the member has been evacuated. If the service is needed you must contact the emergency control centre so that immediate help or advice can be given over the phone. Arrangements may then be made for an appointed doctor to make all necessary enquiries and arrange to move them if necessary. If an appointed doctor thinks it is necessary then the service will be carried out under medical supervision. 5. All the arrangements must be made by us. The member may be transported by air ambulance, by a regular airline or by any other method of transport we consider appropriatepassport for. We will decide on cover these costs so long as we have agreed the method of transport to be used, and the date and time. (a) In all cases where time of your evacuation or repatriation before it takes place. We will also cover the member is below the age cost of eighteen (18) years, another person, who must be eighteen (18) years or over, may accompany the member any necessary treatment given to you by our chosen evacuation agency while they are being moved. We will pay the reasonable and customary costs of this, including any additional accommodation costs (up to tenmoving you.