Common use of Significant Features and Benefits Clause in Contracts

Significant Features and Benefits. While you are on a participant on the Camp America programme you are entitled to make claims in respect of the following: Medical Expenses up to $500,000 (per accident or sickness) and Emergency Dental up to $500. Medical Expenses up to $100,000 (per accident or sickness for all participants age 40+) and Emergency Dental up to $500 Accidental death or dismemberment up to $6,000 Medical Evacuation up to 100% of covered charges Trip Interruption benefit up to $1,000 Trip Cancellation benefit up to $2,000 Loss or theft of Personal Effects up to $2,000 (optional extra) Coverage for Pre-Existing conditions up to $2,500 (optional extra) Significant Exclusions There are some situations that you are not covered for. These situations generally involve anything you already know about, or situations that arise as a result of deliberate or illegal acts on your part. Please refer to the master policy, Exclusions and Limitations. If you cease to be a programme participant, you will no longer be entitled to cover. Certain programmes involve minimum and maximum age ranges (for instance, 18-40, 40-59, 60+) please check which programme in which you intend to participate. You will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. You will also not be covered for or able to claim in respect of: - The first $50 of any claim; - The first $250 of any claim arising from a covered sickness being treated in an Emergency Room. This deductible will be waived if you are admitted to the hospital to further treat the sickness. - Any claim where there has been unreasonable delay in notifying the insurer more than 20 days after the occurrence giving rise to the claim, or any claim where there has been unreasonable delay in providing written details about the claim more than 90 days after the occurrence giving rise to the claim; or - Claims which give rise to legal proceedings more than three years after written details were provided. Medical or other expenses which: - are not reasonable and customary or relate to transplants - relate to mental and nervous disorders, or addiction, or treatment therefore - are incurred for experimental, unapproved or elective surgery or treatments - relate to routine dental, ophthalmological, chiropody, or epidemiological conditions and treatments - relate to injuries sustained while under the influence of alcohol or narcotics, or attempted self harm (including suicide) - The refusal of a Physician or Hospital to make all medical reports and records available to the Company - Injuries arising out of dangerous or "extreme" activities or sports (including those involving animals, vehicles, and mechanical equipment) - Costs will not be paid for, where the policy is terminated as a result of: failure to show at camp, voluntary or involuntary termination of the program, or failure to meet eligibility requirements - A claim if it is made in relation to any period in which the Insured accepts employment, paid or otherwise, from any source other than the camp with which the Insured has been placed by Camp America. - Claims which are pursued more than three years after they are formally detailed by the Insured - Significant Limitations and Exclusions under the Personal Effects Cover if you choose to participate - Loss of money, precious goods, or travel documentation - Animals, vehicles and vehicle parts/equipment Questions about your policy and inquiries about possible pre-existing conditions: As stated above, you will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. If you would like to discuss a possible pre-existing condition with us or have questions about your policy benefits and terms please contact our medical screening service - Travel & Medical Insurance Services (TAMIS) at the telephone numbers below: For pre-existing conditions: +00 (0) 0000 000 000 (TAMIS) For general policy questions: +00 (0) 000 000 0000 (Camp America) Should you have a pre-existing condition as determined via this phone call, your policy includes an optional extra benefit of $2,500 for pre-existing conditions. The TAMIS representative on this call will help you determine if you should purchase this optional insurance. Camp America staff are not able to give you advice in this regard. Claim Provisions In the event of a claim you must contact our claims office in the US at CareMed Claims, CISI Claims Department, 0 Xxxx Xxxxx Xxxx, Xxxxxxxx, XX 00000 XXX. You can call directly at 0- 000-000-0000 or email Xxxxxxxxx@xxxxxx.xxx. Your duty to give information IMPORTANT INFORMATION When completing your application for the Camp America programme you have been asked to complete an application form. It is your duty to ensure that you have answered all questions honestly and reasonably. Some of these questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured. The reason this is vital and extremely important is that if you fail to give us honest answers to our questions or if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection, insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance. FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID WARNING Warranties and Conditions Precedent Your policy contains a number of WARRANTIES and CONDITIONS PRECENDENT. These are terms that you must comply with word for word, otherwise the insurer might not pay any claims and might cancel your policy from the start. Even if there is not connection between a breach of these terms and the cause of the loss. Failure to comply with these terms may leave you with no insurance cover and your claim not being paid! An Insurance warranty does not mean that it is a guarantee of something; typically it means that you have to comply with the terms in order that your insurance protection remains operative.

Significant Features and Benefits. While you are on a participant on the Camp America programme you are entitled to make claims in respect of the following: − Medical Expenses up to $500,000 (per accident or sickness) and Emergency Dental up to $500. − Medical Expenses up to $100,000 (per accident or sickness for all participants age 40+) and Emergency Dental up to $500 − Accidental death Death or dismemberment Dismemberment up to $6,000 − Medical Evacuation up to 100% of covered charges − Trip Interruption benefit up to $1,000 − Trip Cancellation benefit up to $2,000 − Loss or theft of Personal Effects up to $2,000 (optional extra) − Coverage for Pre-Existing conditions up to $2,500 (optional extra) Significant Exclusions There are some situations that you are not covered for. These situations generally involve anything you already know about, or situations that arise as a result of deliberate or illegal acts on your part. Please refer to the master policy, Exclusions and Limitations. If you cease to be a programme participant, you will no longer be entitled to cover. Certain programmes involve minimum and maximum age ranges (for instance, 18-40, 40-59, 60+) please check which programme in which you intend to participate. You will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. You will also not be covered for or able to claim in respect of: - − The first $50 of any claim; - − The first $250 of any claim arising from a covered sickness being treated in an Emergency Room. This deductible will be waived if you are admitted to the hospital to further treat the sickness. - − Any claim where there has been unreasonable delay in notifying the insurer more than 20 days after the occurrence giving rise to the claim, or any claim where there has been unreasonable delay in providing written details about the claim more than 90 days after the occurrence giving rise to the claim; or - − Claims which give rise to legal proceedings more than three years after written details were provided. Medical or other expenses which: - − are not reasonable and customary or relate to transplants - relate − claims in excess of $250 as related to mental and nervous disorders, or addiction, or treatment therefore - disorders − are incurred for experimental, unapproved or elective surgery or treatments - − relate to routine dental, ophthalmological, chiropody, or epidemiological conditions and treatments - − relate to injuries sustained while under the influence of alcohol or narcotics, or attempted self harm (including suicide) - − The refusal of a Physician or Hospital to make all medical reports and records available to the Company - − Injuries arising out of dangerous or "extreme" activities or sports (including those involving animals, vehicles, and mechanical equipment) - Costs will not be paid for, where the policy is terminated as a result of: − failure to show at camp, voluntary or involuntary termination of the program, or failure to meet eligibility requirements - − A claim if it is made in relation to any period in which the Insured accepts employment, paid or otherwise, from any source other than the camp with which the Insured has been placed by Camp America. - − Claims which are pursued more than three years after they are formally detailed by the Insured - − Significant Limitations and Exclusions under the Personal Effects Cover if you choose to participate - − Loss of money, precious goods, or travel documentation - − Animals, vehicles and vehicle parts/equipment Questions Question about your policy and inquiries about possible prePre-existing conditionsExisting Conditions: As stated above, you will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. If you would like to discuss a possible pre-existing condition with us or have questions about your policy benefits and terms please contact our medical screening service - Travel & Medical Insurance Services (TAMIS) at the telephone numbers below: For pre-existing conditions: +00 (0) 0000 000 000 (TAMIS) For general policy questions: +00 (0) 000 000 0000 (Camp America) Should you have a pre-existing condition as determined via this phone call, your policy includes an optional extra benefit of $2,500 for pre-existing conditions. The TAMIS representative on this call will help you determine if you should purchase this optional insurance. Camp America staff are not able to give you advice in this regard. Claim Provisions In the event of a claim you must contact our claims office in the US at CareMed Claims, CISI Claims Department, 0 Xxxx Xxxxx Xxxx, Xxxxxxxx, XX 00000 XXX. You can call directly at 0- 0001-000203-0000 399- 5130 or email Xxxxxxxxx@xxxxxx.xxx. IMPORTANT INFORMATION Your duty to give information IMPORTANT INFORMATION When completing your application for the Camp America programme you have been asked to complete an application form. It is your duty to ensure that you have answered all questions honestly and reasonably. Some of these questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured. The reason this is vital and extremely important is that if you fail to give us honest answers to our questions or if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection, insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance. FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID WARNING Warranties and Conditions Precedent Your policy contains a number of WARRANTIES and CONDITIONS PRECENDENT. These are terms that you must comply with word for word, otherwise the insurer might not pay any claims and might cancel your policy from the start. Even if there is not connection between a breach of these terms and the cause of the loss. Failure to comply with these terms may leave you with no insurance cover and your claim not being paid! An Insurance warranty does not mean that it is a guarantee of something; typically it means that you have to comply with the terms in order that your insurance protection remains operative. Conditions Precedent: Some conditions do impose a responsibility on you to have done something or completed something before a certain section of the policy will operate. If you do not do the thing stated, cover will not be in place. FAILURE TO COMPLY MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID.

Significant Features and Benefits. While you are on a participant on the Camp America programme you are entitled to make claims in respect of the following: − Medical Expenses up to $500,000 (per accident or sickness) and Emergency Dental up to $500. − Medical Expenses up to $100,000 (per accident or sickness for all participants age 40+) and Emergency Dental up to $500 − Accidental death Death or dismemberment Dismemberment up to $6,000 − Medical Evacuation up to 100% of covered charges − Trip Interruption benefit up to $1,000 Trip Cancellation benefit up to $2,000 − Loss or theft of Personal Effects up to $2,000 (optional extra) − Coverage for Pre-Existing conditions up to $2,500 (optional extra) Significant Exclusions There are some situations that you are not covered for. These situations generally involve anything you already know about, or situations that arise as a result of deliberate or illegal acts on your part. Please refer to the master policy, Exclusions and Limitations. If you cease to be a programme participant, you will no longer be entitled to cover. Certain programmes involve minimum and maximum age ranges (for instance, 18-40, 40-59, 60+) please check which programme in which you intend to participate. You will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. You will also not be covered for or able to claim in respect of: - − The first $50 of any claim; - − The first $250 of any claim arising from a covered sickness being treated in an Emergency Room. This deductible will be waived if you are admitted to the hospital to further treat the sickness. - − Any claim where there has been unreasonable delay in notifying the insurer more than 20 days after the occurrence giving rise to the claim, or any claim where there has been unreasonable delay in providing written details about the claim more than 90 days after the occurrence giving rise to the claim; or - − Claims which give rise to legal proceedings more than three years after written details were provided. Medical or other expenses which: - − are not reasonable and customary or relate to transplants - relate − claims in excess of $250 as related to mental and nervous disorders, or addiction, or treatment therefore - disorders − are incurred for experimental, unapproved or elective surgery or treatments - − relate to routine dental, ophthalmological, chiropody, or epidemiological conditions and treatments - − relate to injuries sustained while under the influence of alcohol or narcotics, or attempted self self-harm (including suicide) - − The refusal of a Physician or Hospital to make all medical reports and records available to the Company - − Injuries arising out of dangerous or "extreme" activities or sports (including those involving animals, vehicles, and mechanical equipment) - Costs will not be paid for, where the policy is terminated as a result of: − failure to show at camp, voluntary or involuntary termination of the program, or failure to meet eligibility requirements - − A claim if it is made in relation to any period in which the Insured accepts employment, paid or otherwise, from any source other than the camp with which the Insured has been placed by Camp America. - − Claims which are pursued more than three years after they are formally detailed by the Insured - − Significant Limitations and Exclusions under the Personal Effects Cover if you choose to participate - − Loss of money, precious goods, or travel documentation - − Animals, vehicles and vehicle parts/equipment Questions Question about your policy and inquiries about possible prePre-existing conditionsExisting Conditions: As stated above, you will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. If you would like to discuss a possible pre-existing condition with us or have questions about your policy benefits and terms please contact our medical screening service - Travel & Medical Insurance Services (TAMIS) at the telephone numbers below: For pre-existing conditions: +00 (0) 0000 000 000 (TAMIS) For general policy questions: +00 (0) 000 000 0000 (Camp America) Should you have a pre-existing condition as determined via this phone call, your policy includes an optional extra benefit of $2,500 for pre-existing conditions. The TAMIS representative on this call will help you determine if you should purchase this optional insurance. Camp America staff are not able to give you advice in this regard. Claim Provisions In the event of a claim you must contact our claims office in the US at CareMed Claims, CISI Claims Department, 0 Xxxx Xxxxx Xxxx, Xxxxxxxx, XX 00000 XXX. You can call directly at 0- 0001-000203-0000 399- 5130 or email Xxxxxxxxx@xxxxxx.xxx. IMPORTANT INFORMATION Your duty to give information IMPORTANT INFORMATION When completing your application for the Camp America programme you have been asked to complete an application form. It is your duty to ensure that you have answered all questions honestly and reasonably. Some of these questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured. The reason this is vital and extremely important is that if you fail to give us honest answers to our questions or if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection, insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-re- arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance. FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID WARNING Warranties and Conditions Precedent Your policy contains a number of WARRANTIES and CONDITIONS PRECENDENT. These are terms that you must comply with word for word, otherwise the insurer might not pay any claims and might cancel your policy from the start. Even if there is not connection between a breach of these terms and the cause of the loss. Failure to comply with these terms may leave you with no insurance cover and your claim not being paid! An Insurance warranty does not mean that it is a guarantee of something; typically it means that you have to comply with the terms in order that your insurance protection remains operative. Conditions Precedent: Some conditions do impose a responsibility on you to have done something or completed something before a certain section of the policy will operate. If you do not do the thing stated, cover will not be in place. FAILURE TO COMPLY MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID.

Significant Features and Benefits. While you are on a participant on the Camp America programme you are entitled to make claims in respect of the following: − Medical Expenses up to $500,000 (per accident or sickness) and Emergency Dental up to $500. − Medical Expenses up to $100,000 (per accident or sickness for all participants age 40+) and Emergency Dental up to $500 − Accidental death Death or dismemberment Dismemberment up to $6,000 − Medical Evacuation up to 100% of covered charges − Trip Interruption benefit up to $1,000 Trip Cancellation benefit up to $2,000 − Loss or theft of Personal Effects up to $2,000 (optional extra) − Coverage for Pre-Existing conditions up to $2,500 (optional extra) Significant Exclusions There are some situations that you are not covered for. These situations generally involve anything you already know about, or situations that arise as a result of deliberate or illegal acts on your part. Please refer to the master policy, Exclusions and Limitations. If you cease to be a programme participant, you will no longer be entitled to cover. Certain programmes involve minimum and maximum age ranges (for instance, 18-40, 40-59, 60+) please check which programme in which you intend to participate. You will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. You will also not be covered for or able to claim in respect of: - − The first $50 of any claim; - − The first $250 of any claim arising from a covered sickness being treated in an Emergency Room. This deductible will be waived if you are admitted to the hospital to further treat the sickness. - − Any claim where there has been unreasonable delay in notifying the insurer more than 20 days after the occurrence giving rise to the claim, or any claim where there has been unreasonable delay in providing written details about the claim more than 90 days after the occurrence giving rise to the claim; or - − Claims which give rise to legal proceedings more than three years after written details were provided. Medical or other expenses which: - − are not reasonable and customary or relate to transplants - relate − claims in excess of $250 as related to mental and nervous disorders, or addiction, or treatment therefore - disorders − are incurred for experimental, unapproved or elective surgery or treatments - − relate to routine dental, ophthalmological, chiropody, or epidemiological conditions and treatments - − relate to injuries sustained while under the influence of alcohol or narcotics, or attempted self harm (including suicide) - − The refusal of a Physician or Hospital to make all medical reports and records available to the Company - − Injuries arising out of dangerous or "extreme" activities or sports (including those involving animals, vehicles, and mechanical equipment) - Costs will not be paid for, where the policy is terminated as a result of: − failure to show at camp, voluntary or involuntary termination of the program, or failure to meet eligibility requirements - − A claim if it is made in relation to any period in which the Insured accepts employment, paid or otherwise, from any source other than the camp with which the Insured has been placed by Camp America. - − Claims which are pursued more than three years after they are formally detailed by the Insured - − Significant Limitations and Exclusions under the Personal Effects Cover if you choose to participate - − Loss of money, precious goods, or travel documentation - − Animals, vehicles and vehicle parts/equipment Questions Question about your policy and inquiries about possible prePre-existing conditionsExisting Conditions: As stated above, you will not be covered for claims arising due to any pre-existing medical condition that has manifested itself within 3 months before the commencement of the policy, including prescription drugs or other medical supplies, or is a congenital condition, unless you declare your situation to us and we have accepted to cover it in writing. If you would like to discuss a possible pre-existing condition with us or have questions about your policy benefits and terms please contact our medical screening service - Travel & Medical Insurance Services (TAMIS) at the telephone numbers below: For pre-existing conditions: +00 (0) 0000 000 000 (TAMIS) For general policy questions: +00 (0) 000 000 0000 (Camp America) Should you have a pre-existing condition as determined via this phone call, your policy includes an optional extra benefit of $2,500 for pre-existing conditions. The TAMIS representative on this call will help you determine if you should purchase this optional insurance. Camp America staff are not able to give you advice in this regard. Claim Provisions In the event of a claim you must contact our claims office in the US at CareMed Claims, CISI Claims Department, 0 Xxxx Xxxxx Xxxx, Xxxxxxxx, XX 00000 XXX. You can call directly at 0- 0001-000203-0000 399- 5130 or email Xxxxxxxxx@xxxxxx.xxx. IMPORTANT INFORMATION Your duty to give information IMPORTANT INFORMATION When completing your application for the Camp America programme you have been asked to complete an application form. It is your duty to ensure that you have answered all questions honestly and reasonably. Some of these questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured. The reason this is vital and extremely important is that if you fail to give us honest answers to our questions or if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection, insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance. FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID WARNING Warranties and Conditions Precedent Your policy contains a number of WARRANTIES and CONDITIONS PRECENDENT. These are terms that you must comply with word for word, otherwise the insurer might not pay any claims and might cancel your policy from the start. Even if there is not connection between a breach of these terms and the cause of the loss. Failure to comply with these terms may leave you with no insurance cover and your claim not being paid! An Insurance warranty does not mean that it is a guarantee of something; typically it means that you have to comply with the terms in order that your insurance protection remains operative.