Common use of Travel expenses of a companion Clause in Contracts

Travel expenses of a companion. Full cover Full cover Full cover Full cover The transportation costs of another person to accompany you on your emergency evacuation, and their economy-class ticket back. If it is not possible for them to accompany you on your medical evacuation because of the method of evacuation, we will pay either for their economy-class round-trip airfare on a scheduled flight, or their suitable round-trip surface transportation, whichever is the most appropriate. Accommodation expenses of a companion Up to US$72 or £48 or Up to US$50 or £33 or Up to US$96 or £64 or Up to US$250 or £167 or If your companion is then staying with you while you are hospitalised following your emergency evacuation, we will pay towards the costs of their hotel accommodation (limited to a maximum of 15 nights per period of cover). €54 per night €38 per night €72 per night €188 per night Compassionate home visit (12-month waiting period) If a close family member dies during your period of cover and after you have been insured by your plan for a continuous period of 12 months, we will pay for your economy-class round-trip airfare to attend the funeral. Your travel must take place within 28 days of the date of death. Lifetime limit of one claim per insured person No cover Lifetime limit of one claim per insured person Lifetime limit of one claim per insured person Repatriation of mortal remains If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for your body or ashes to be transported to your country of nationality or country of residence. This benefit is not available if a claim is made for the burial or cremation benefit at the place where you died. Full cover Up to US$5,000 or £3,330 or €3,750 Full cover Full cover Burial or cremation Up to US$1,600 or £1,060 Up to US$1,600 or Up to US$1,600 or Up to US$1,600 or £1,060 If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for you to be buried or cremated at the place where you died. or €1,200 £1,060 or €1,200 £1,060 or €1,200 or €1,200 This benefit is not available if a claim is made under the repatriation of mortal remains benefit. We do not provide cover under this benefit if you die in your country of nationality. We do not provide cover under this benefit for the costs of a religious practitioner. Key Full cover within annual benefit limit Partial or limited cover No cover Optional cover Bronze SilverLite Silver Gold Expat benefits (continued) Important notes: • You are eligible for certain benefits in this section only if you have selected them and they are stated on your Certificate of Insurance. • You must obtain pre-authorisation for all benefits in this section. Medevac Plus The following benefits apply in addition to those under the Medevac Basic benefit. Evacuation if you (or any child covered by the newborn benefit within its first 90 days of life) need advanced diagnostics or cancer treatment such as radiotherapy or chemotherapy that cannot be adequately provided locally. All eligible evacuations will include repatriation to your country of nationality if it is within your area of cover, or to your country of residence. We do not cover emergency evacuation or repatriation to, from or within the United States of America. If you request repatriation to your country of nationality or to your country of residence, it may, in some cases, not be appropriate immediately due to your medical condition. In such cases, we will first evacuate you to the nearest place within your area of cover where appropriate treatment is available. Once you have been stabilised, we will then repatriate you to your country of nationality if it is within your area of cover, or your country of residence. If you are evacuated to a country which is not your country of residence and not your country of nationality, and you do not have anyone to accompany you, we will pay the economy-class round-trip airfare to have one companion flown from anywhere in the world to be with you while you receive your treatment. We will also pay up to US$150 per day (for a maximum of 30 days per period of cover) towards their hotel accommodation expenses whilst you have your treatment, or until the date on which you return to your country of nationality or your country of residence (whichever is the sooner). The Medevac Plus benefit is optional on all plans. Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) What you're not covered for The following are not covered by your plan, as well as any specific exclusions stated on your Certificate of Insurance, and other exclusions stated within the table of benefits. Other benefits, as stated within the table of benefits, may also be restricted or excluded depending on your plan. All conditions, tests, treatments or increased treatment costs you incur because of complications that occur directly or indirectly as a consequence of treatment of any excluded condition will also not be covered. We will also not pay for the fees and charges listed below. You will be responsible for them. • fees for the completion or providing of claim forms or any other medical reports or forms such as medical referral letters, even if we have requested them • bank charges incurred as a result of us transferring money • losses you may incur due to fluctuations in exchange rates • charges incurred as the result of payment errors that arise as the result of you having provided us with incorrect information • administration, registration, or cancellation fees charged by hospitals, doctors, or other providers of medical services • any charges made by your bank or credit card company Accidents or injuries resulting from your failure to adhere to local motoring laws You are not covered for accidents or injuries arising from: • travelling in, or on, a motorised vehicle as a driver or passenger, if the driver does not have a valid license and insurance, as required by the law of the country where the accident or injury occurred • failure to wear the relevant safety equipment, (including, but not limited to helmets and seatbelts) as required by the law of the country where the accident or injury occurred Addictive conditions or disorders, and alcohol, drug, and solvent abuse You are not covered for treatment related to: • addictions (such as alcohol or drug addiction) or substance abuse (such as alcohol, drug or solvent abuse) • any illness or injury caused directly or indirectly as a result of any such abuse or addiction • any illness or injury caused directly or indirectly as a result of being under the influence of any substance (such as alcohol, drugs or solvents) Allergy testing and/or desensitisation You are not covered for treatment related to: • allergy testing by hair analysis • allergy desensitisation or food neutralising injections We will only pay for patch testing if you have been referred by a medical doctor. Patch testing is limited to one patch testing investigation over the lifetime of your plan. Your medical referral letter will be required. Alternative treatment and therapies You are not covered for alternative treatments and therapies, including, but not limited to, aqua physiotherapy, bone-setting, colonic irrigation, hydrotherapy, Intervertebral Differential Dynamics (IDD), kinesiology, naturotherapy, Ayurveda and massage therapy. Artiflcial life maintenance You are not covered for artificial life maintenance, other than any benefit you are eligible for in the lifetime care section of the table of benefits. Birth control, sexual problems and gender reassignment You are not covered for treatment directly or indirectly arising from or connected with: • contraception or sterilisation • sexual problems (including impotence and decreased libido) • gender reassignment Chemical exposure and contamination You are not covered for investigations or treatment related to any medical conditions arising directly or indirectly from chemical contamination, radioactivity or any nuclear material whatsoever, including the combustion of nuclear fuel.

Travel expenses of a companion. Full cover Full cover Full cover Full cover Full cover The transportation costs of another person to accompany you on your emergency evacuation, and their economy-class ticket back. If it is not possible for them to accompany you on your medical evacuation because of the method of evacuation, we will pay either for their economy-class round-trip airfare on a scheduled flight, or their suitable round-trip surface transportation, whichever is the most appropriate. Accommodation expenses of a companion Up to US$50 or £33 Up to US$72 or £48 or Up to US$50 or £33 or Up to US$96 or £64 or Up to US$250 or £167 or If your companion is then staying with you while you are hospitalised following your emergency evacuation, we will pay towards the costs of their hotel accommodation (limited to a maximum of 15 nights per period of cover). or €38 per night or €54 per night or €38 per night or €72 per night £167 or €188 per night BronzeLite Bronze SilverLite Silver Gold Expat benefits (continued) Important notes: - • You are eligible for the benefits in this section only if they have been selected by your employer and they are stated on your Certificate of Insurance. • You must obtain pre-authorisation for all benefits in this section. Compassionate home visit (12-month waiting period) If a close family member dies during your period of cover and after you have been insured by your plan for a continuous period of 12 months, we No cover Lifetime limit of one claim per insured person No cover Lifetime limit of one claim per insured person Lifetime limit of one claim per insured person will pay for your economy-class round-trip airfare to attend the funeral. Your travel must take place within 28 days of the date of death. Lifetime limit of one claim per insured person No cover Lifetime limit of one claim per insured person Lifetime limit of one claim per insured person Repatriation of mortal remains If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for your body or ashes to be transported to your country of nationality or country of residence. This benefit is not available if a claim is made for the burial or cremation benefit at the place where you died. Up to US$5,000 or £3,330 or €3,750 Full cover Up to US$5,000 or £3,330 or €3,750 Full cover Full cover Burial or cremation Up to US$1,600 or £1,060 Up to US$1,600 or Up to US$1,600 or Up to US$1,600 or £1,060 Up to US$1,600 or If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for you to be buried or cremated at the place where you died. £1,060 or €1,200 £1,060 or €1,200 £1,060 or €1,200 £1,060 or €1,200 £1,060 or €1,200 This benefit is not available if a claim is made under the repatriation of mortal remains benefit. We do not provide cover under this benefit if you die in your country of nationality. We do not provide cover under this benefit for the costs of a religious practitioner. Key Full cover within annual benefit limit Partial or limited cover No cover Optional cover BronzeLite Bronze SilverLite Silver Gold Expat benefits (continued) Important notes: - • You are eligible for certain the benefits in this section only if you they have been selected them by your employer and they are stated on your Certificate of Insurance. • You must obtain pre-authorisation for all benefits in this section. Medevac Plus The following benefits apply in addition to those under the Medevac Basic benefit. Evacuation if you (or any child covered by the newborn benefit within its first 90 days of life) need advanced diagnostics or cancer treatment such as radiotherapy or chemotherapy that cannot be adequately provided locally. All eligible evacuations will include repatriation to your country of nationality if it is within your area of cover, or to your country of residence. We do not cover emergency evacuation or repatriation to, from or within the United States of America. If you request repatriation to your country of nationality or to your country of residence, it may, in some cases, not be appropriate immediately due to your medical condition. In such cases, we will first evacuate you to the nearest place within your area of cover where appropriate treatment is available. Once you have been stabilised, we will then repatriate you to your country of nationality if it is within your area of cover, or your country of residence. If you are evacuated to a country which is not your country of residence and not your country of nationality, and you do not have anyone to accompany you, we will pay the economy-class round-trip airfare to have one companion flown from anywhere in the world to be with you while you receive your treatment. We will also pay up to US$150 per day (for a maximum of 30 days per period of cover) towards their hotel accommodation expenses whilst you have your treatment, or until the date on which you return to your country of nationality or your country of residence (whichever is the sooner). The Cover is only available if the Medevac Plus benefit option is optional on all plansselected by your employer. Full cover (only if you have selected the Medevac Plus optionby your employer) Full cover (only if you have selected the Medevac Plus optionby your employer) Full cover (only if you have selected the Medevac Plus optionby your employer) Full cover (only if you have selected the Medevac Plus optionby your employer) Full cover (only if selected by your employer) What you're not covered for The following are not covered by your plan, as well as any specific exclusions stated on your Certificate of Insurance, and other exclusions stated within the table of benefits. Other benefits, as stated within the table of benefits, may also be restricted or excluded depending on your plan. All conditions, tests, treatments or increased treatment costs you incur because of complications that occur directly or indirectly as a consequence of treatment of any excluded condition will also not be covered. We will also not pay for the fees and charges listed below. You will be responsible for them. • fees for the completion or providing of claim forms or any other medical reports or forms such as medical referral letters, even if we have requested them • bank charges incurred as a result of us transferring money • losses you may incur due to fluctuations in exchange rates • charges incurred as the result of payment errors that arise as the result of you having provided us with incorrect information • administration, registration, or cancellation fees charged by hospitals, doctors, or other providers of medical services • any charges made by your bank or credit card company Accidents or injuries resulting from your failure to adhere to local motoring laws You are not covered for accidents or injuries arising from: • travelling in, or on, a motorised vehicle as a driver or passenger, if the driver does not have a valid license and insurance, as required by the law of the country where the accident or injury occurred • failure to wear the relevant safety equipment, (including, but not limited to helmets and seatbelts) as required by the law of the country where the accident or injury occurred Addictive conditions or disorders, and alcohol, drug, and solvent abuse You are not covered for treatment related to: - • addictions (such as alcohol or drug addiction) or substance abuse (such as alcohol, drug or solvent abuse) • any illness or injury caused directly or indirectly as a result of any such abuse or addiction • any illness or injury caused directly or indirectly as a result of being under the influence of any substance (such as alcohol, drugs or solvents) Allergy testing and/or desensitisation You are not covered for treatment related to: - • allergy testing by hair analysis • allergy desensitisation or food neutralising injections We will only pay for patch testing if you have been referred by a medical doctor. Patch testing is limited to one patch testing investigation over the lifetime of your plan. Your medical referral letter will be required. Alternative treatment and therapies You are not covered for alternative treatments treatment and therapies, including, but not limited to, aqua physiotherapy, bone-setting, colonic irrigation, hydrotherapy, Intervertebral Differential Dynamics (IDD), kinesiology, naturotherapy, Ayurveda and massage therapy. Artiflcial Artificial life maintenance You are not covered for artificial life maintenance, other than any benefit you are eligible for in the lifetime care section of the table of benefits. Birth control, sexual problems and gender reassignment You are not covered for treatment directly or indirectly arising from or connected with: - • contraception or sterilisation • sexual problems (including impotence and decreased libido) • gender reassignment Chemical exposure and contamination You are not covered for investigations or treatment related to any medical conditions arising directly or indirectly from chemical contamination, radioactivity or any nuclear material whatsoever, including the combustion of nuclear fuel.

Travel expenses of a companion. Full cover Full cover Full cover Full cover The transportation costs of another person to accompany you on your emergency evacuation, and their economy-class ticket back. If it is not possible for them to accompany you on your medical evacuation because of the method of evacuation, we will pay either for their economy-class round-trip airfare on a scheduled flight, or their suitable round-trip surface transportation, whichever is the most appropriate. Accommodation expenses of a companion Up to US$72 or £48 or Up to US$50 or £33 or Up to US$96 or £64 or Up to US$250 or £167 or If your companion is then staying with you while you are hospitalised following your emergency evacuation, we will pay towards the costs of their hotel accommodation (limited to a maximum of 15 nights per period of cover). €54 per night €38 per night €72 per night €188 per night Compassionate home visit (12-month waiting period) If a close family member dies during your period of cover and after you have been insured by your plan for a continuous period of 12 months, we will pay for your economy-class round-trip airfare to attend the funeral. Your travel must take place within 28 days of the date of death. Lifetime limit of one claim per insured person No cover Lifetime limit of one claim per insured person Lifetime limit of one claim per insured person Repatriation of mortal remains If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for your body or ashes to be transported to your country of nationality or country of residence. This benefit is not available if a claim is made for the burial or cremation benefit at the place where you died. Full cover Up to US$5,000 or £3,330 or €3,750 Full cover Full cover Burial or cremation Up to US$1,600 or £1,060 Up to US$1,600 or Up to US$1,600 or Up to US$1,600 or £1,060 If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for you to be buried or cremated at the place where you died. or €1,200 £1,060 or €1,200 £1,060 or €1,200 or €1,200 This benefit is not available if a claim is made under the repatriation of mortal remains benefit. We do not provide cover under this benefit if you die in your country of nationality. We do not provide cover under this benefit for the costs of a religious practitioner. Key Full cover within annual benefit limit Partial or limited cover No cover Optional cover Bronze SilverLite Silver Gold Expat benefits (continued) Important notes: • You are eligible for certain benefits in this section only if you have selected them and they are stated on your Certificate of Insurance. • You must obtain pre-authorisation for all benefits in this section. Medevac Plus The following benefits apply in addition to those under the Medevac Basic benefit. Evacuation if you (or any child covered by the newborn benefit within its first 90 days of life) need advanced diagnostics or cancer treatment such as radiotherapy or chemotherapy that cannot be adequately provided locally. All eligible evacuations will include repatriation to your country of nationality if it is within your area of cover, or to your country of residence. We do not cover emergency evacuation or repatriation to, from or within the United States of America. If you request repatriation to your country of nationality or to your country of residence, it may, in some cases, not be appropriate immediately due to your medical condition. In such cases, we will first evacuate you to the nearest place within your area of cover where appropriate treatment is available. Once you have been stabilised, we will then repatriate you to your country of nationality if it is within your area of cover, or your country of residence. If you are evacuated to a country which is not your country of residence and not your country of nationality, and you do not have anyone to accompany you, we will pay the economy-class round-trip airfare to have one companion flown from anywhere in the world to be with you while you receive your treatment. We will also pay up to US$150 per day (for a maximum of 30 days per period of cover) towards their hotel accommodation expenses whilst you have your treatment, or until the date on which you return to your country of nationality or your country of residence (whichever is the sooner). The Medevac Plus benefit is optional on all plans. Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) What you're not covered for The following are not covered by your plan, as well as any specific exclusions stated on your Certificate of Insurance, and other exclusions stated within the table of benefits. Other benefits, as stated within the table of benefits, may also be restricted or excluded depending on your plan. All conditions, tests, treatments or increased treatment costs you incur because of complications that occur directly or indirectly as a consequence of treatment of any excluded condition will also not be covered. We will also not pay for the fees and charges listed below. You will be responsible for them. • fees for the completion or providing of claim forms or any other medical reports or forms such as medical referral letters, even if we have requested them • bank charges incurred as a result of us transferring money • losses you may incur due to fluctuations in exchange rates • charges incurred as the result of payment errors that arise as the result of you having provided us with incorrect information • administration, registration, or cancellation fees charged by hospitals, doctors, or other providers of medical services • any charges made by your bank or credit card company Accidents or injuries resulting from your failure to adhere to local motoring laws You are not covered for accidents or injuries arising from: • travelling in, or on, a motorised vehicle as a driver or passenger, if the driver does not have a valid license and insurance, as required by the law of the country where the accident or injury occurred • failure to wear the relevant safety equipment, (including, but not limited to helmets and seatbelts) as required by the law of the country where the accident or injury occurred Addictive conditions or disorders, and alcohol, drug, and solvent abuse You are not covered for treatment related to: • addictions (such as alcohol or drug addiction) or substance abuse (such as alcohol, drug or solvent abuse) • any illness or injury caused directly or indirectly as a result of any such abuse or addiction • any illness or injury caused directly or indirectly as a result of being under the influence of any substance (such as alcohol, drugs or solvents) Allergy testing and/or desensitisation You are not covered for treatment related to: • allergy testing by hair analysis • allergy desensitisation or food neutralising injections We will only pay for patch testing if you have been referred by a medical doctor. Patch testing is limited to one patch testing investigation over the lifetime of your plan. Your medical referral letter will be required. Alternative treatment and therapies You are not covered for alternative treatments and therapies, including, but not limited to, aqua physiotherapy, bone-setting, colonic irrigation, hydrotherapy, Intervertebral Differential Dynamics (IDD), kinesiology, naturotherapy, Ayurveda and massage therapy. Artiflcial Artificial life maintenance You are not covered for artificial life maintenance, other than any benefit you are eligible for in the lifetime care section of the table of benefits. Birth control, sexual problems and gender reassignment You are not covered for treatment directly or indirectly arising from or connected with: • contraception or sterilisation • sexual problems (including impotence and decreased libido) • gender reassignment Chemical exposure and contamination You are not covered for investigations or treatment related to any medical conditions arising directly or indirectly from chemical contamination, radioactivity or any nuclear material whatsoever, including the combustion of nuclear fuel.

Travel expenses of a companion. Full cover Full cover Full cover Full cover Full cover The transportation costs of another person to accompany you on your emergency evacuation, and their economy-class ticket back. If it is not possible for them to accompany you on your medical evacuation because of the method of evacuation, we will pay either for their economy-class round-trip airfare on a scheduled flight, or their suitable round-trip surface transportation, whichever is the most appropriate. Accommodation expenses of a companion Up to US$50 or £33 Up to US$72 or £48 or Up to US$50 or £33 or Up to US$96 or £64 or Up to US$250 or £167 or If your companion is then staying with you while you are hospitalised following your emergency evacuation, we will pay towards the costs of their hotel accommodation (limited to a maximum of 15 nights per period of cover). or €38 per night or €54 per night or €38 per night or €72 per night £167 or €188 per night BronzeLite Bronze SilverLite Silver Gold Expat benefits (continued) Important notes: - • You are eligible for certain benefits in this section only if you have selected them and they are stated on your Certificate of Insurance. • You must obtain pre-authorisation for all benefits in this section. Compassionate home visit (12-month waiting period) If a close family member dies during your period of cover and after you have been insured by your plan for a continuous period of 12 months, we No cover Lifetime limit of one claim per insured person No cover Lifetime limit of one claim per insured person Lifetime limit of one claim per insured person will pay for your economy-class round-trip airfare to attend the funeral. Your travel must take place within 28 days of the date of death. Lifetime limit of one claim per insured person No cover Lifetime limit of one claim per insured person Lifetime limit of one claim per insured person Repatriation of mortal remains If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for your body or ashes to be transported to your country of nationality or country of residence. This benefit is not available if a claim is made for the burial or cremation benefit at the place where you died. Up to US$5,000 or £3,330 or €3,750 Full cover Up to US$5,000 or £3,330 or €3,750 Full cover Full cover Burial or cremation Up to US$1,600 or £1,060 Up to US$1,600 or Up to US$1,600 or Up to US$1,600 or £1,060 Up to US$1,600 or If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for you to be buried or cremated at the place where you died. £1,060 or €1,200 £1,060 or €1,200 £1,060 or €1,200 £1,060 or €1,200 £1,060 or €1,200 This benefit is not available if a claim is made under the repatriation of mortal remains benefit. We do not provide cover under this benefit if you die in your country of nationality. We do not provide cover under this benefit for the costs of a religious practitioner. Key Full cover within annual benefit limit Partial or limited cover No cover Optional cover BronzeLite Bronze SilverLite Silver Gold Expat benefits (continued) Important notes: - • You are eligible for certain benefits in this section only if you have selected them and they are stated on your Certificate of Insurance. • You must obtain pre-authorisation for all benefits in this section. Medevac Plus The following benefits apply in addition to those under the Medevac Basic benefit. Evacuation if you (or any child covered by the newborn benefit within its first 90 days of life) need advanced diagnostics or cancer treatment such as radiotherapy or chemotherapy that cannot be adequately provided locally. All eligible evacuations will include repatriation to your country of nationality if it is within your area of cover, or to your country of residence. We do not cover emergency evacuation or repatriation to, from or within the United States of America. If you request repatriation to your country of nationality or to your country of residence, it may, in some cases, not be appropriate immediately due to your medical condition. In such cases, we will first evacuate you to the nearest place within your area of cover where appropriate treatment is available. Once you have been stabilised, we will then repatriate you to your country of nationality if it is within your area of cover, or your country of residence. If you are evacuated to a country which is not your country of residence and not your country of nationality, and you do not have anyone to accompany you, we will pay the economy-class round-trip airfare to have one companion flown from anywhere in the world to be with you while you receive your treatment. We will also pay up to US$150 per day (for a maximum of 30 days per period of cover) towards their hotel accommodation expenses whilst you have your treatment, or until the date on which you return to your country of nationality or your country of residence (whichever is the sooner). The Medevac Plus benefit is optional on all plans. Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) What you're not covered for The following are not covered by your plan, as well as any specific exclusions stated on your Certificate of Insurance, and other exclusions stated within the table of benefits. Other benefits, as stated within the table of benefits, may also be restricted or excluded depending on your plan. All conditions, tests, treatments or increased treatment costs you incur because of complications that occur directly or indirectly as a consequence of treatment of any excluded condition will also not be covered. We will also not pay for the fees and charges listed below. You will be responsible for them. • fees for the completion or providing of claim forms or any other medical reports or forms such as medical referral letters, even if we have requested them • bank charges incurred as a result of us transferring money • losses you may incur due to fluctuations in exchange rates • charges incurred as the result of payment errors that arise as the result of you having provided us with incorrect information • administration, registration, or cancellation fees charged by hospitals, doctors, or other providers of medical services • any charges made by your bank or credit card company Accidents or injuries resulting from your failure to adhere to local motoring laws You are not covered for accidents or injuries arising from: • travelling in, or on, a motorised vehicle as a driver or passenger, if the driver does not have a valid license and insurance, as required by the law of the country where the accident or injury occurred • failure to wear the relevant safety equipment, (including, but not limited to helmets and seatbelts) as required by the law of the country where the accident or injury occurred Addictive conditions or disorders, and alcohol, drug, and solvent abuse You are not covered for treatment related to: - • addictions (such as alcohol or drug addiction) or substance abuse (such as alcohol, drug or solvent abuse) • any illness or injury caused directly or indirectly as a result of any such abuse or addiction • any illness or injury caused directly or indirectly as a result of being under the influence of any substance (such as alcohol, drugs or solvents) Allergy testing and/or desensitisation You are not covered for treatment related to: - • allergy testing by hair analysis • allergy desensitisation or food neutralising injections We will only pay for patch testing if you have been referred by a medical doctor. Patch testing is limited to one patch testing investigation over the lifetime of your plan. Your medical referral letter will be required. Alternative treatment and therapies You are not covered for alternative treatments and therapies, including, but not limited to, aqua physiotherapy, bone-setting, colonic irrigation, hydrotherapy, Intervertebral Differential Dynamics (IDD), kinesiology, naturotherapy, Ayurveda and massage therapy. Artiflcial Artificial life maintenance You are not covered for artificial life maintenance, other than any benefit you are eligible for in the lifetime care section of the table of benefits. Birth control, sexual problems and gender reassignment You are not covered for treatment directly or indirectly arising from or connected with: - • contraception or sterilisation • sexual problems (including impotence and decreased libido) • gender reassignment Chemical exposure and contamination You are not covered for investigations or treatment related to any medical conditions arising directly or indirectly from chemical contamination, radioactivity or any nuclear material whatsoever, including the combustion of nuclear fuel.

Travel expenses of a companion. Full cover Full cover Full cover Full cover The transportation costs of another person to accompany you on your emergency evacuation, and their economy-class ticket back. If it is not possible for them to accompany you on your medical evacuation because of the method of evacuation, we will pay either for their economy-class round-trip airfare on a scheduled flight, or their suitable round-trip surface transportation, whichever is the most appropriate. Accommodation expenses of a companion Up to US$72 or £48 or Up to US$50 or £33 or Up to US$96 or £64 or Up to US$250 or £167 or If your companion is then staying with you while you are hospitalised following your emergency evacuation, we will pay towards the costs of their hotel accommodation (limited to a maximum of 15 nights per period of cover). €54 per night €38 per night €72 per night €188 per night Compassionate home visit (12-month waiting period) If a close family member dies during your period of cover and after you have been insured by your plan for a continuous period of 12 months, we will pay for your economy-class round-trip airfare to attend the funeral. Your travel must take place within 28 days of the date of death. Lifetime limit of one claim per insured person No cover Lifetime limit of one claim per insured person Lifetime limit of one claim per insured person Repatriation of mortal remains If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for your body or ashes to be transported to your country of nationality or country of residence. This benefit is not available if a claim is made for the burial or cremation benefit at the place where you died. Full cover Up to US$5,000 or £3,330 or €3,750 Full cover Full cover Burial or cremation Up to US$1,600 or £1,060 Up to US$1,600 or Up to US$1,600 or Up to US$1,600 or £1,060 If you die as the result of a condition that is covered by your plan while you are outside your country of nationality, we will pay for you to be buried or cremated at the place where you died. or €1,200 £1,060 or €1,200 £1,060 or €1,200 or €1,200 This benefit is not available if a claim is made under the repatriation of mortal remains benefit. We do not provide cover under this benefit if you die in your country of nationality. We do not provide cover under this benefit for the costs of a religious practitioner. Key Full cover within annual benefit limit Partial or limited cover No cover Optional cover Bronze SilverLite Silver Gold Expat benefits (continued) Important notes: - • You are eligible for certain benefits in this section only if you have selected them and they are stated on your Certificate of Insurance. • You must obtain pre-authorisation for all benefits in this section. Medevac Plus The following benefits apply in addition to those under the Medevac Basic benefit. Evacuation if you (or any child covered by the newborn benefit within its first 90 days of life) need advanced diagnostics or cancer treatment such as radiotherapy or chemotherapy that cannot be adequately provided locally. All eligible evacuations will include repatriation to your country of nationality if it is within your area of cover, or to your country of residence. We do not cover emergency evacuation or repatriation to, from or within the United States of America. If you request repatriation to your country of nationality or to your country of residence, it may, in some cases, not be appropriate immediately due to your medical condition. In such cases, we will first evacuate you to the nearest place within your area of cover where appropriate treatment is available. Once you have been stabilised, we will then repatriate you to your country of nationality if it is within your area of cover, or your country of residence. If you are evacuated to a country which is not your country of residence and not your country of nationality, and you do not have anyone to accompany you, we will pay the economy-class round-trip airfare to have one companion flown from anywhere in the world to be with you while you receive your treatment. We will also pay up to US$150 per day (for a maximum of 30 days per period of cover) towards their hotel accommodation expenses whilst you have your treatment, or until the date on which you return to your country of nationality or your country of residence (whichever is the sooner). The Medevac Plus benefit is optional on all plans. Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) Full cover (if you have selected the Medevac Plus option) What you're not covered for The following are not covered by your plan, as well as any specific exclusions stated on your Certificate of Insurance, and other exclusions stated within the table of benefits. Other benefits, as stated within the table of benefits, may also be restricted or excluded depending on your plan. All conditions, tests, treatments or increased treatment costs you incur because of complications that occur directly or indirectly as a consequence of treatment of any excluded condition will also not be covered. We will also not pay for the fees and charges listed below. You will be responsible for them. • fees for the completion or providing of claim forms or any other medical reports or forms such as medical referral letters, even if we have requested them • bank charges incurred as a result of us transferring money • losses you may incur due to fluctuations in exchange rates • charges incurred as the result of payment errors that arise as the result of you having provided us with incorrect information • administration, registration, or cancellation fees charged by hospitals, doctors, or other providers of medical services • any charges made by your bank or credit card company Accidents or injuries resulting from your failure to adhere to local motoring laws You are not covered for accidents or injuries arising from: - • travelling in, or on, a motorised vehicle as a driver or passenger, if the driver does not have a valid license and insurance, as required by the law of the country where the accident or injury occurred • failure to wear the relevant safety equipment, (including, but not limited to helmets and seatbelts) as required by the law of the country where the accident or injury occurred Addictive conditions or disorders, and alcohol, drug, and solvent abuse You are not covered for treatment related to: - • addictions (such as alcohol or drug addiction) or substance abuse (such as alcohol, drug or solvent abuse) • any illness or injury caused directly or indirectly as a result of any such abuse or addiction • any illness or injury caused directly or indirectly as a result of being under the influence of any substance (such as alcohol, drugs or solvents) Allergy testing and/or desensitisation You are not covered for treatment related to: - • allergy testing by hair analysis • allergy desensitisation or food neutralising injections We will only pay for patch testing if you have been referred by a medical doctor. Patch testing is limited to one patch testing investigation over the lifetime of your plan. Your medical referral letter will be required. Alternative treatment and therapies You are not covered for alternative treatments and therapies, including, but not limited to, aqua physiotherapy, bone-setting, colonic irrigation, hydrotherapy, Intervertebral Differential Dynamics (IDD), kinesiology, naturotherapy, Ayurveda and massage therapy. Artiflcial Artificial life maintenance You are not covered for artificial life maintenance, other than any benefit you are eligible for in the lifetime care section of the table of benefits. Birth control, sexual problems and gender reassignment You are not covered for treatment directly or indirectly arising from or connected with: - • contraception or sterilisation • sexual problems (including impotence and decreased libido) • gender reassignment Chemical exposure and contamination You are not covered for investigations or treatment related to any medical conditions arising directly or indirectly from chemical contamination, radioactivity or any nuclear material whatsoever, including the combustion of nuclear fuel.