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International Medical Insurance Plan

Insurance for Participants

CONTENTS

Important Information ......................................................... page 1

Definitions- Meaning of Words ............................................... page 2

Plan term and Conditions ...................................................... page 5

1. Medical, Hospital & Dental Benefits .................................... page 7

2. Medical Transfer Benefits .................................................. page 8

3. Benefits Following Death ................................................... page 10

4. Personal Accident Benefit .................................................. page 11

5. General Conditions Applying to the Whole Plan .................... page 12

6. General Exclusions Applying to Whole Plan .......................... page 13

7. Pre-authorisation and Claims Procedure .............................. page 16

8. Questions and Complaints ................................................. page 17

9. Data Protection Notice, Rights of Third Parties, Sanctions ..... page 18

IMPORTANT INFORMATION

This insurance is underwritten by Catlin Insurance Company (UK) Ltd. whose registered office is 20

Gracechurch Street, London EC3V 0BG, England. (Registered in England No. 5328622). Catlin Insurance

Company (UK) Ltd. is regulated by the Financial Conduct Authority; registration number: 423308.

This International Medical Insurance Plan (“Plan”) was arranged for you and will be administered by Your

Policyholder (Client Organisation detailed on your Certificate) and Global Secutive Limited whose

registered office is at Stenzelbergstr. 10, Meckenheim, 53340, Germany (“Global Secutive”), please do not

use this address for correspondence.

The Claims Administrator shall be LAMP Services Limited of Chester House, Harlands Road, Haywards Heath,

West Sussex RH16 1LR Tel: (01444 451752) Company Number: 4967967 (“LAMP”).

Where certain words start with a capital letter they have been given a special meaning, these defined terms

can be found in the section called ‘Definitions – Meaning of Words’.

This Plan comprises:

1. this Plan document, which contains full details of the benefits, terms, conditions and exclusions of

Your Plan; and

2. a Certificate showing who is covered under the Plan, the Period of Insurance, Your contact and

Country of Residence details (taken from Your application form) and any endorsements; and

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3. Your Schedule of Benefits, which sets out the benefits and Policy Limits of this Plan.

4. My Insurance Brochure which sets out the details of the insurance which You have purchased and it

contains a full description of Your Health and Accident Insurance Coverage, What is covered, Medical

treatment in the case of Illness, How to file Health and Accident Insurance Claims and frequently

asked questions.

Please read these documents fully and carefully to familiarise yourself with the details of Your cover, the

conditions of cover and what is and is not covered. Please note that there are specific conditions and

exclusions which apply to specific sections of this Plan and there are general conditions and exclusions

which apply to this Plan as a whole. Your Certificate is Your evidence that You have been accepted for

cover. The Plan is effective from the commencement date specified in Your Certificate. If anything is not

correct please return it as soon as practicably possible to Us via the Policyholder.

Cooling Off Period:

If You decide this Plan does not meet Your needs You are entitled to cancel this contract of insurance by

writing to the Policyholder within fourteen (14) days of either the date You receive this Plan; or the

start of the Period of Insurance, whichever is the later.

On condition that a Claim has not already made and it is accepted that one cannot make one later, We

will refund any premium that has been paid. Your Plan will be annulled, which means it will be treated as

if it had never existed.

We will provide the services and benefits described in this Plan during the Period of Insurance, subject

to the Policy Limits and all other terms, conditions and exclusions contained in this Plan, and following

payment of the appropriate premium by the Policyholder.

This Plan is subject to the laws of England and Wales.

DEFINITIONS - MEANING OF WORDS

Wherever the following words and phrases shown below in bold appear in the International Medical

Insurance Plan (and in the Certificate AND Schedule of Benefits attaching to and forming part of the

Insurance) they will always have the meanings defined below.

Accident means a sudden and unforeseen bodily

Injury caused by violent or external means.

Certificate means the document We will issue

to You showing who is covered under the Plan,

the Period of Insurance, Your contact and

Country of Residence details (taken from Your

application form) and any endorsements to You.

Chiropractor means chiropractic Treatment

recommended by a Physician for medical

reasons following an Insured Event and

provided by a licensed Chiropractor

Claim(s) means Your request for payment of

benefit(s) under this Plan.

Close Relative means a spouse, civil partner or

common-law partner, mother, father, mother-in-

law, father-in-law, daughter, son (including

legally adopted daughter or son) brother, sister,

brother-in-law, sister-in-law or fiancé(e),

grandparents of a Participant.

Co-payment means the amount specified in the

Schedule of Benefits payable by You before

any benefit is payable by this Plan for each

Claim.

Country of Residence means a

country/countries for which You hold a passport.

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Day-care means Treatment provided in a

Hospital where You are admitted but is not

required for medical reasons, to stay overnight.

Disability means a state of physical incapacity

resulting from an Accident.

Emergency Dental Treatment means

Treatment necessary for the immediate relief of

pain and suffering as a result of an infection or

Accident by an extra-oral impact, received

within 48 hours from the date and time of the

Accident or emergence of the infection.

Emergency Treatment means Treatment of

an acute Illness or Injury, which occurs during

the Period of Insurance, and causes an

immediate threat to health requiring urgent and

Medically Necessary Treatment, which

cannot, in the opinion of Our Medical Advisor,

be deferred until Your return to Your Country

of Residence.

Emergency Medical Transfer and/or

Repatriation means the emergency

transportation when approved by Our 24-hour

Assistance Centre, and medical care during such

transportation, to move a Participant who

suffers a critical medical condition to a suitable

Hospital where appropriate care and facilities

are available, which may be in Your Country of

Residence.

Hospital means any institution under the

constant supervision of a resident Physician

which is legally licensed as a medical or surgical

Hospital in the country where it is located.

Illness(es) means any acute sickness, disease,

disorder or alteration in the Your medical

condition diagnosed by a Physician which occurs

during the Period of Insurance.

Injury means acute physical damage or harm

caused to the body as a result of an Accident

which occurs during the Period of Insurance.

Inpatient means Treatment provided in a

Hospital where You are admitted and, it is

Medically Necessary to occupy a bed for one or

more nights.

Insured Event means an unforeseen Accident

or Illness requiring Emergency Treatment and

/or Emergency Dental Treatment occurring

during the Period of Insurance and outside the

Country of Residence.

Local Ambulance Services means the

necessary medical transportation to or from a

local Hospital.

Loss of Sight means permanent and total loss

of sight which will be considered as having

occurred when the total loss of sight after

correction is 3/60 or less on the Snellen Scale,

and is considered from medical evidence to be

without hope of improvement and likely to

continue for the remainder of Your life.

Medical Advisor means the medical practitioner

We choose to advise on Claims under this Plan.

Medical Expenses means expenses incurred for

Treatment of an Accident or Illness as a result

of an Insured Event.

Medically Necessary means that a Treatment,

service, supply, drug, or Hospital confinement:

1. is appropriate and essential to diagnose or

treat the patient’s Illness or Injury;

2. does not exceed in scope, duration or

intensity, the level of care which is needed to

provide safe, adequate and appropriate

diagnosis or Treatment;

3. is prescribed by a Physician;

4. is consistent with widely accepted

professional standards of medical practice in

the jurisdiction where Treatment is

rendered;

5. is not primarily for the personal comfort or

convenience of the patient, the family,

Physician, or other provider of care;

6. is not a part of or associated with the

scholastic education or vocational training of

the patient;

7. is not experimental or investigative; and

8. in the case of Inpatient care, cannot be

provided safely on an Outpatient basis.

Outpatient means medical Treatment provided

to the Participant or ordered by a Physician

when it is not Medically Necessary for You to

be admitted as an Inpatient or Day-care

patient in a Hospital or any other facility for

medical care.

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Participant / You / Your means the person

entitled to benefit under this Plan, who is named

or described in the Certificate and for whom the

appropriate premium has been paid, and whom

We have accepted for cover.

Period of Insurance means the period of cover

specified in the Certificate for which the

appropriate premium has been paid.

Permanent Total Disablement means a

condition which, one year after the date of

Accident, is of a permanent, severe and

irreversible nature which is shown by Our

medical evidence to be likely to continue for the

remainder of Your life, and which in Our opinion

prevents You from engaging in gainful

employment of any and every kind for

remuneration or profit.

Physician means a legally licensed medical

practitioner who is a doctor or dentist recognised

by the law of the country where Treatment

covered under this Plan is provided and who, in

rendering such Treatment is practicing within

the scope of his / her license and training.

Physiotherapy means Treatment

recommended by a Physician for medical

reasons following an Insured Event and

provided by a licensed Physiotherapist.

Policy Limit(s) means the maximum benefit per

Insured Event and per Period of Insurance as

specified in the Schedule of Benefits.

Policyholder means the company, corporation,

or organisation who subscribes to the Group

Policy Agreement and pays or undertakes to pay

the appropriate premium on behalf of the

Participant.

Pre-existing Medical Condition means a

known (or You ought to have been aware of)

medical or psychological condition from which

You have suffered or for which You have

received medical Treatment (including

Prescription Drugs) or of which symptoms

have manifested themselves during the 6 month

period prior to Your being first included for cover

under this Plan.

Pre-existing Medical Condition of a Close

Relative means a known (or You ought to have

been aware of) medical or psychological

condition from which a close relative has

suffered or for which they have received medical

Treatment (including Prescription Drugs) or

of which symptoms have manifested themselves

during the 6 month period prior to Your being

first included for cover under this Plan.

Prescription Drugs means medications whose

sale and use are legally restricted to the order of

a Physician.

Schedule of Benefits means the document

attaching to and forming part of this Plan, stating

(amongst other things), the benefits provided

under each Section of this Plan, and the

maximum amounts payable in respect of those

benefits (Policy Limits).

Total and Permanent Loss means the

permanent physical severance or loss of use of a

limb or part thereof which is of a permanent and

irreversible nature which is shown by medical

evidence to be likely to continue for the

remainder of Your life.

Treatment means any Medically Necessary

surgical procedure or medical intervention which

is required to cure an Injury or Illness.

Usual, Reasonable and Customary means the

lower of:

1. the provider’s usual charge for furnishing the

Treatment, service, or supply; or

2. the charge which We determine to be the

general rate charged by others who render or

furnish such Treatments, services or

supplies to persons:

a) who reside in the same area; and

b) whose Injury or Illness is comparable in

nature and severity.

We will consider such factors as:

1. complexity;

2. degree of skill needed;

3. type of specialist required;

4. range of services of supplies provided by a

facility; and

5. the prevailing charge in other areas.

We or Us / Our means Catlin Plan Company

(UK) Ltd.

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PLAN TERMS AND CONDITIONS

INFORMATION YOU HAVE PROVIDED

We have relied on the information provided by You to the Policyholder. You must take

care when answering any questions asked by ensuring that any information provided is

true, accurate and complete.

If We establish that You deliberately or recklessly provided untrue or misleading

information, We will have the right to:

(a) treat this Plan as if it never existed;

(b) decline all Claims;

If We establish that You carelessly provided untrue or misleading information, We will

have the right to:

(i) treat this Plan as if it never existed, decline to pay any Claim and return

the premium, if We would not have provided You with cover;

(ii) treat this Plan as if it had been entered into on different terms from those

agreed, if We would have provided You with cover on different terms;

(iii) reduce the amount We pay on any Claim in the proportion that the

premium paid bears to the premium We would have charged, if We would

have charged more.

We will notify You in writing if (i), (ii) and/or (iii) apply.

If there is no outstanding Claim and (ii) and/or (iii) apply, We will have the right to:

(1) give You thirty (30) days’ notice that We are terminating this Plan; or

(2) give You notice that We will treat this Policy and any future Claim in

accordance with (ii) and/or (iii),

(3) in which case You may then give Us thirty (30) days’ notice that You are

terminating this Plan.

If this Plan is terminated in accordance with (1) or (2), We will refund any premium due

to You in respect of the balance of the Period of Insurance.

FRAUD

If You, or anyone acting for You, makes a Claim which is fraudulent and/or intentionally

exaggerated and/or supported by a fraudulent document, We will not pay any part of

Your Claim or any other subsequent Claim. In addition, We will have the right to:

(a) treat this Plan as if it never existed, or at Our option terminate this Plan, without

returning any premium that You have paid;

(b) refuse any other benefit under this Plan.

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CHANGE IN CIRCUMSTANCES

You must tell the Policyholder within fourteen (14) days of Your becoming aware of

any changes in the information You have provided which happen before or during any

Period of Insurance. If You become aware that the information You have given is

inaccurate or untrue, You should inform the Policyholder as soon as practicably

possible.

When We are notified of a change We will tell You if this affects this Plan. For example

We may not be able to continue to provide cover and reserve the right to cancel the

Cover immediately and provide You with a proportional daily rate refund for the

unexpired portion of the Plan. Alternatively We may choose to amend the terms and

conditions of this Plan or require the Policyholder to pay an additional premium. If

You do not inform Us about a change it may affect any Claim You make or could result

in this Plan being invalid.

BENEFITS AND SERVICES

Following payment of the premium, subject to the terms, conditions and exclusions of this Plan,

We will arrange and / or pay for the benefits and services shown in this Plan for Emergency

Treatment, Emergency Dental Treatment and ancillary benefits, which are Medically

Necessary, resulting from an Insured Event occurring outside Your Country of Residence.

We will pay the necessary costs, up to the Policy Limits for each Participant, in each Period of

Insurance.

Our liability for any Claim will cease on the date of Your return to Your Country of Residence

or when this Plan expires, whichever is the sooner.

Benefits are payable on Your behalf to the licensed providers of the services insured under this

Plan, or alternatively at Our discretion are reimbursable directly to You (e.g. where You have

made a payment for Emergency Return Home under section 2.4 of this Plan).

Benefit payments shall be processed by the Claims Administrators, specialised in the handling of

medical Claims, who are appointed by Us.

PLEASE NOTE: You MUST obtain our pre-authorisation before incurring ANY costs for the

following Treatments otherwise Your Claim may be invalidated:

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

2. any other surgery or surgical procedure;

3. Major Diagnostic Testing, including but not limited to Computerised Axial Tomography

(CAT) Scan, Magnetic Resonance Imaging (MRI) Scan or Positon Mission Tomography

(PET) Scan;

4. or where costs are anticipated to exceed $5,000.

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SECTION 1 - MEDICAL, HOSPITAL & DENTAL BENEFITS

We will pay the following costs if You suffer an Insured Event.

1.1 Hospitalisation Costs

We will arrange and pay up to the amount specified in the Schedule of Benefits for Your

Emergency Treatment for Inpatient or Day-care admission to Hospital in a semi-private

room, and for all Medically Necessary Treatment and services ordered by a Physician and

approved by Our Medical Advisor.

1.2 Outpatient Care

We will pay Medically Necessary costs agreed by Us for Emergency Treatment up to the

amount specified in the Schedule of Benefits for Outpatient services, including:

1.2.1. Physicians fees, and Prescription Drugs;

1.2.2. laboratory and X-Ray fees, medical scanning, imagery services, and

1.2.3. Physiotherapy and Chiropractors fees when referred and recommended by a

Physician and for immediate pain relief only.

1.3 Emergency Dental Treatment

1.3.1 We will arrange and pay up to the amount specified in the Schedule of Benefits

for Outpatient Emergency Dental Treatment.

1.3.2 Emergency Dental Treatment shall not include restorative or remedial work, the

use of any precious metals, and orthodontic Treatment of any kind or tooth

traction performed in a Hospital, unless tooth extraction is the only Treatment

available to alleviate the pain.

SPECIFIC EXCLUSIONS APPLYING TO SECTION 1

We will not pay any costs:

1. which need to be pre-authorised (as shown above) and which have not been authorised by

Us in advance;

2. for Treatment which the Physician treating You or Our Medical Advisor, can

reasonably be delayed until Your return to Your Country of Residence;

3. where prior to the commencement of the Period of Insurance, You have not received

the required vaccinations as recommended by the World Health Organisation for travel to

Your Country of placement;

4. incurred in Your Country of Residence other than in connection with transportation of

You or Your remains to Your home from abroad;

5. for Root Canal Treatment or Periodontics;

6. incurred after one year of the date that the need Treatment first arises;

7. for Durable Medical Equipment (DME) unless deemed Medically Necessary by Our

Medical Advisor and in any case not exceeding $250 (limit applies to external DME use

only).

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SECTION 2 - MEDICAL TRANSFER BENEFITS

We will pay the following costs for Emergency Treatment if You suffer an Insured Event

covered under Section 1:

2.1 Local Ambulance Services

We will arrange and pay up to the amount specified in the Schedule of Benefits for Your

transport to the nearest suitable Hospital by the most appropriate means available, comprising

road / off-road ambulance, train, helicopter or fixed-wing aircraft, with a medical escort if Our

Medical Advisor considers Medically Necessary.

2.2 Emergency Medical Transfer and/or Repatriation

2.2.1 If an Insured Event occurs which, in Our Medical Advisor's opinion requires

Your Emergency Medical Transfer and/or Repatriation We will arrange and

pay all costs up to the amount specified in the Schedule of Benefits for Your

medical transportation.

The most appropriate means of transport available locally will be used. If by air

We will employ a regular scheduled or charter airline, or, if Medically Necessary

in the opinion of Our Medical Advisor, a specially chartered air ambulance. If

You had been travelling by plane, transport will be in the same class as the

original airline ticket (unless Medically Necessary), but if You were not,

transport will be by the airline's economy / tourist class (unless Medically

Necessary).

2.2.3 When Our Medical Advisor considers Medically Necessary, We will arrange

and pay for a medical escort to accompany You.

2.2.4 Where We have arranged and paid for Your Emergency Medical Transfer

and/or Repatriation We will pay travel expenses by first class rail or by

economy/tourist class air travel to return You to Your location at the time of the

Insured Event.

Medical Emergency Helpline

For 24 hour Emergency Evacuation, and/or Repatriation assistance:

Providers and Participants in the USA/Canada call: +1 877 455 3542

Participants in Other Countries call: +1 647 288 7830

email: LAMP@intrepid247.com

The medical emergency helpline is operated by Intrepid 24/7.

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2.3 Companion

Where You are (or in the opinion of Our Medical Advisor likely to be) hospitalised for a period of

in excess of 5 days We will provide the following benefits:

2.3.1 We will arrange and pay for one return trip by first class rail or by economy/tourist

class air travel for a nominated relative or friend to travel to the location where

You are hospitalised.

2.3.2 We will arrange and pay for additional transportation costs by first class rail or by

economy/tourist class air travel incurred for a nominated relative or friend to

accompany You if We arrange an Emergency Medical Transfer and / or

Repatriation

2.3.3 We will pay for overnight accommodation and subsistence for Your nominated

relative or friend while You remain hospitalised outside Your Country of

Residence, up to USD300 each night for a maximum of 10 nights.

2.4 Emergency Return Home

Where it is necessary for You to return to Your Country of Residence due to the death or

imminent demise of a Close Relative We will pay Your return travel expenses by first class rail

or by economy/tourist class air travel for You to return to Your Country of Residence. Expenses

will be processed on a reimbursement basis on provision of a valid death certificate.

A Claim under Section 2.4 is not subject to a valid Claim under Section 1.

SPECIFIC CONDITIONS APPLYING TO SECTION 2.1 and 2.2

1. Our Medical Advisor's decision is final and We are entitled to refuse any request which is

incompatible with their opinion of Your medical condition and safety.

2. Our Medical Advisor will set up the medical team and resources to be used as and when

appropriate, to ensure Your safety during the Emergency Medical Transfer or

evacuation.

3. If You reject the assistance procedures We propose then We shall be released from Our

obligations under Section 2.1 and 2.2.

SPECIFIC EXCLUSIONS APPLYING TO SECTION 2

We will not pay any costs:

1. not arising from a valid Claim under Section 1 other than in respect of Section 2.4.;

2. not arranged and approved by Us in advance (other than emergency ambulance transfer).

3. for You to return to Your Country of Residence due to the death or imminent demise of

a Close Relative where there was a Pre-Existing Medical Condition of a Close

Relative, or where You ought to have reasonably been aware at the start of the Period

of Insurance of the need to return to Your Country of Residence;

4. for more than one Emergency Return Home Claim in any one Period of Insurance;

5. any costs incurred in Your Country of Residence other than in connection with

transportation of You or Your remains to Your Country of Residence from abroad;

6. any subsequent Emergency Medical Transfer costs arising out of the same Insured

Event once We have returned You to Your Country of Residence.

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SECTION 3 - BENEFITS FOLLOWING DEATH

If You die outside Your Country of Residence during the Period of Insurance as the result of

an Insured Event, We will provide one of the three following benefits according to Your wishes

expressed prior to death or those of the next-of-kin. We will arrange and pay for:

3.1 Repatriation of Remains

3.1.1 up to the amount specified in the Schedule of Benefits for preparation and

repatriation of Your mortal remains from the country where death occurs to the

place of the funeral in the Country of Residence. We will make all arrangements

as required under international regulations and will pay up to USD300 towards the

cost of the coffin.

3.1.2 the additional travel costs of one other person (who was accompanying the

deceased at the time of death) to return by first class train or economy / tourist

class air travel to attend the funeral.

OR

3.2 Cremation

3.2.1 up to USD300 towards the cost of cremation in the country where death occurs;

and

3.2.2 for transportation of the funeral urn to the Country of Residence.

OR

3.3 Local Burial

3.3.1 up to USD1,000 for burial in the country where death occurs.

We will pay any additional costs necessary to comply with statutory requirements.

SPECIFIC EXCLUSIONS APPLYING TO SECTION 3

We will not pay any costs not arranged and approved by Us in advance.

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4 PERSONAL ACCIDENT BENEFIT

We will pay the following percentages of the benefit specified in the Schedule of Benefits should

You sustain Injury resulting from an Accident:

Percentage of benefit payable

1. Death 100%

2. Permanent Total Disablement 100%

3. Loss of Sight in

3.1. Both eyes 100%

3.2. One eye 50%

4. Total and Permanent Loss of

4.1. Two or more limbs 100%

4.2. One limb 50%

4.3. Four fingers and thumb of one hand 50%

4.4. Four fingers of one hand 40%

4.5. A thumb 25%

4.6. One index finger 15%

4.7. Any one other finger 10%

4.8. All toes of one foot 15%

4.9. Big toe 7.5%

4.10. Any one other toe 5%

Subject to the following terms and conditions

1. the maximum benefit payable in respect of any one Participant in respect of any one

Accident shall not exceed the personal accident sum insured specified in the Schedule of

Benefits in respect of that Participant;

2. for forms of Total and Permanent Loss not specified the degree of Disability will be

assessed by comparison with the percentages shown in the above scale without taking into

account Your occupation at Our absolute discretion;

3. the maximum death benefit payable in respect of a Participant aged 17 years or younger

will not exceed USD5,000.

SPECIFIC EXTENSION APPLYING TO SECTION 4

1. Death or Injury caused by the effects of:

1.1 drowning;

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1.2 unavoidable exposure to natural elements; or

1.3 suffocation by smoke, poisonous fumes or gas

must have resulted from accidental Injury provided that such events do not arise from an

Your intentional, wilful or reckless acts.

2. In the event of Your disappearance after 12 months it is reasonable to believe that Death

has occurred as a result of an Accident, the Death Benefit shall become payable subject

to the beneficiary of the Death Benefit signing an undertaking that if the belief is

subsequently found to be wrong such amount shall be refunded to Us.

SPECIFIC EXCLUSIONS APPLYING TO SECTION 4

We will not pay any Claim directly or indirectly resulting from:

1.1 sickness or disease, bacterial or viral infections even if contracted by an Accident;

1.2 existing defect or chronic or recurring disease, disorder or other condition unless

We have accepted it in writing and specifically stated it as covered under this

Section of this Plan;

1.3 Post-Traumatic Stress Disorder, psychiatric, mental or nervous disorder, anxiety

and or depression;

1.4 pregnancy, childbirth, abortion, miscarriage or any complications arising from such.

5. GENERAL CONDITIONS APPLYING TO WHOLE PLAN

The following conditions apply to all parts of this Plan.

5.1. All Pre-Existing Medical Conditions are excluded from cover under this Plan.

5.2. Full compliance with the terms and conditions of this Plan is necessary before a Claim will

be paid.

5.3. In all cases, We require a completed Claim form, together with full original supporting

evidence to substantiate the expense, such as receipts and reports. These must be

provided at Your own expense. This does not apply for Claims through Our direct billing

network in the United States.

5.4. You must take all steps to avoid or minimise any Claim. You must act as if not insured.

5.5. The provision of benefits and services under this Plan is subject to local availability,

national and international law, regulation and authorisations.

5.6. If You have a right of action against any third party in respect of the Accident giving rise

to a Claim under this Plan We are entitled to take over Your rights in the defence or

settlement of such Claim or to take proceedings in Your name for Our own benefit

against another party and We shall have full discretion in such matters.

5.7. We may, at any time, pay to You Our full liability under this Plan after which, We shall

have no further liability in any respect.

5.8. If another insurance company or a state scheme pays part of Your Claim You must send

Us the original bill which clearly shows the amount paid by the insurer or scheme and We

shall only be responsible for Our fair proportion of Your Claim.

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5.9. We reserve the right to arrange and pay for Your early Repatriation if, in the opinion of

Our Medical Advisor, You are medically fit to travel, and Your Treatment can be

postponed until Your return to Your Country of Residence.

5.10. Our obligations under contracts of insurance to which We subscribe are several and not

joint and are limited solely to the extent of Our individual subscriptions. We are not

responsible for the subscriptions of any co-subscribing insurer who for any reason does not

satisfy all or part of its obligations.

5.11. This Plan is not available for citizens of the USA and is not subject to, and does not provide

certain insurance benefits required by the United States Patient Protection and Affordable

Care Act ("PPACA"). The insurance benefits provided by this Plan are stated in Your Plan

documents and do not include any additional benefits required by the PPACA. The PPACA

requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage.

In certain circumstances penalties may be imposed on U.S. residents and citizens who do

not maintain PPACA compliant insurance coverage. You should consult Your attorney,

insurance agent, or tax professional to determine if the PPACA's requirements are

applicable to You.

6 GENERAL EXCLUSIONS APPLYING TO WHOLE PLAN

You are not covered and We will not pay under any part of this Plan for:

6.1.1 any expenses, Treatment, medical or dental condition or procedures relating

thereto not specifically stated in this Plan as being insured;

6.1.2 sums in excess of the Policy Limits;

6.1.3 any expense which We and / or Our Medical Advisor considers to be

unreasonable, unnecessary or excessive;

6.1.4 any Treatment where We require pre-authorisation and this has not been

provided;

6.1.5 costs which would have been incurred if the Insured Event had not occurred;

6.1.6 the Co-payment (where applicable) specified in this Plan.

6.2 any Claim:

6.2.1 arising from a Pre-Existing Medical Condition;

6.2.2 arising from Treatment of a chronic, or recurrent condition;

6.2.3 for routine medical check-ups, vaccinations, and other preventive Treatment;

6.2.4 for any Treatment and examinations which can reasonably await Your return to

Your Country of Residence.

6.2.5 which is not for Emergency Treatment, or which is not Medically Necessary;

6.2.6 for elective surgery, or Treatment, of any kind; 6.2.7 for Medical Expenses which are in excess of Usual, Reasonable and

Customary charges;

6.2.8 arising from pregnancy after the 26th week of pregnancy;

6.2.9 arising from any sexually transmitted diseases;

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6.2.10 arising from Human Immunodeficiency Virus or HIV related Illness, including

Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) and

any similar infections, Illnesses, injuries or medical conditions arising there from.

6.2.11 involving fraud, misrepresentation or concealment or their consequences.

6.2.12 from self-inflicted Injury (including suicide or attempted suicide);

6.2.13 from needless self-exposure to peril (except in an attempt to save human life); or

6.2.14 from travel undertaken against medical advice, or for the purpose of obtaining

Treatment.

6.2.15 being intoxicated (meaning affected temporarily with diminished physical and

mental control by means of alcoholic liquor, a drug, or another substance) other

than under the direction of a registered Physician provided that such direction is

not for Treatment for drug addiction or dependence and You follow such

direction.

6.2.16 Your own criminal act including but not limited to road traffic offences and guns

laws. We reserve the right to withhold any payment under this Plan until such time

as You are found to be not guilty of any charges or proceedings taken against

You.

6.3 Treatment for drug and substance abuse (including alcohol) or dependency or other

addictive condition and any condition arising directly or indirectly there from.

6.4 any costs arising after expiry of the Period of Insurance. If at the time of the expiry of

the Period of Insurance You are receiving Inpatient Treatment covered under this

Plan the Period of Insurance will be extended by up to 30 days or until such time as

You are discharged from Hospital, whichever occurs first.

6.5 any Injury or Illness sustained while taking part in:

6.5.1 mountaineering, climbing or trekking activities where specialized climbing

equipment, ropes or guides are normally or reasonably should have been used;

professional sports (for the purposes of this exclusion a professional sport is any

sporting event where a monetary prize is awarded or any Participants receive a

monetary inducement to participate and shall include any Olympic sport);

6.5.2 aviation (except when travelling solely as a passenger in a commercial aircraft),

hang gliding, parachuting, paragliding, parascending or skydiving;

6.5.3 snow skiing and snowboarding (except for recreational downhill and/or cross

country snow skiing or snowboarding (no cover provided while skiing / boarding in

violation of applicable laws, rules or regulations; away from prepared and marked

in-bound territories; and/or against the advice of the local ski school or local

authoritative body)), heli-skiing, ski jumping, in-line skating without the use of

proper helmet and pads equipment, bobsledding, luge, skeleton or snowmobiling;

6.5.4 riding on a motorcycle or quad bike (or derivative) unless You hold a full licence,

or riding as a passenger where the person in control of the motorcycle does not

hold the relevant licence;

6.5.5 motocross or BMX;

6.5.6 BASE jumping, bungee jumping, abseiling or rappelling;

6.5.7 hunting contrary to local regulations, license requirements and/or without the

necessary permits;

15

6.5.8 canyoning or white-water rafting;

6.5.8 caving or spelunking;

6.5.9 high diving;

6.5.10 jet skiing;

6.5.11 rodeo or polo;

6.5.12 racing of any kind, including by horse or motor vehicle (of any type);

6.5.13 cave diving, scuba diving, snorkelling or other sub aqua pursuits in depths of more

6.5.14 than 10 meters involving underwater breathing apparatus;

6.5.15 sports or activities involving the use of the use of weapons (unless at a recognised

shooting gallery and under professional supervision) or physical combat (unless as

part of a school activity and under professional/teacher supervision);

6.5.16 Extreme Sports;

6.5.17 any similar activities listed within 6.5 which are not referred to Us for acceptance

Practice or training in preparation for any excluded activity which results in Injury will be

considered as taking part in such activity.

6.6 any Claim arising when the Participant is under military authority or is engaged in

activities involving the use of firearms or physical combat or in an area of military conflict.

6.7 any expenses relating to search and rescue operations to find a Participant in mountains,

at sea, in the desert, in the jungle and similar remote locations, including air/sea rescue

charges for evacuation to shore from a vessel or from the sea.

6.8 any expense where We are not satisfied with the documents submitted and / or where We

do not receive the Claim documents within 90 days of the date that expenses were

incurred, and in any event within 28 days after the expiry of Your Plan, unless We agree

otherwise.

6.9 Treatment for mental or nervous disorders, psychiatric Treatment and / or the costs of a

psychotherapist, psychologist, family therapist or bereavement counsellor. The cost of

initial diagnosis would be covered up to maximum Policy Limit of USD500.

6.10 any Claim arising from the radioactive, toxic, explosive or other hazardous or

contaminating properties of any nuclear installation, reactor or other nuclear assembly or

nuclear component thereof.

6.11 any Claim in any way caused or contributed to by the use or release or the threat thereof

of any nuclear weapon or device or chemical or biological agent.

6.12 any Claim(s) whatsoever resulting from war, invasion, act of foreign enemy, hostilities

(whether war be declared or not), act of terrorism, civil war, rebellion, revolution,

insurrection, military or usurped power or taking part in civil commotion or riot of any

kind.

(For the purpose of this exclusion, an act of terrorism means an act, including but not

limited to the use of force or violence and/or the threat thereof, of any person or group(s)

of persons, whether acting alone or on behalf of or in connection with any organisation(s)

or government(s), committed for political, religious, ideological or similar purposes or

reasons including the intention to influence any government and/or to put the public, or

any section of the public, in fear).

6.13 any expense which at the time of happening is covered by, or would, but for the existence

of this Plan, be covered by any other existing insurance certificate, policy, Worker’s

Compensation or other similar programme, or state scheme. If there is any other cover in

16

force which may pay in respect of the event for which You are claiming, You must tell Us

at the time You first contact Us.

6.14 any losses which are not directly covered by the terms and conditions of this Plan

(examples of losses We will not pay for include loss of earnings due to being unable to

work as a result of Illness or Injury).

7 PRE-AUTHORISATION AND CLAIMS PROCEDURES

The following explains what to do if You need to make a Claim under this Plan.

7.1 To ensure the most appropriate care possible You should contact the relevant organisation

as shown on the Membership card.

7.2 You must bear in mind that to comply with the terms and conditions of this Plan, Our

service provider must be contacted for Our pre-authorisation before You incur costs for

the following Treatments:

7.2.1 Inpatient Treatment and/or supplies of any kind;

7.2.2 any other surgery or surgical procedure;

7.2.3 Major Diagnostic Testing, including but not limited to Computerised Axial

Tomography (CAT) Scan, Magnetic Resonance Imaging (MRI) Scan or Positron

Mission Tomography (PET) Scan.

7.2.4 Or where costs are anticipated to exceed $5,000.

7.3 If the Treatment scheduled is eligible for cover, We can confirm the level of benefit

applicable to the medical provider/s and authorise Treatment, subject to the terms and

conditions of the Plan. When the Claim is subsequently fully validated, We will arrange for

costs to be settled direct to the medical provider/s. Payments will not include any co-

payments that are to be paid by You.

7.4 It is important to note that if We authorise Treatment which ultimately transpires to have

been related to a condition excluded by the Plan, for example, Treatment for a Pre-

Existing Medical Condition, You will be responsible for all costs, including those settled

by Us. In such cases, You must repay Us within one month of Our request to you, any

costs or expenses We have paid out on Your behalf of which are not covered under the

terms of this Plan.

7.5 In case of an emergency, if You are physically prevented from contacting Us as soon as

practicably possible, You or someone designated by You must contact Us within 48 hours.

You must make no admission of liability, offer, promise or payment without Our prior

consent. We must be telephoned first.

7.6 You must give Us written details of any Claim within 28 days of Our request. As often as

We require, You shall submit to medical examination at Our expense. In the event of the

death of a Participant We shall be entitled to have an autopsy carried out at Our

expense (where this is not forbidden by local law or religious beliefs).

7.7 You must supply Us with a written statement substantiating Your Claim, together with

(at Your expense) all original invoices, certificates, information, evidence and receipts that

We require.

17

8 QUESTIONS AND COMPLAINTS

We aim to provide a first class service at all times. However, if You have any questions or

concerns regarding the standard of service received under this Plan, the following procedure is

available to resolve the situation:

In the first instance You should write to:

Operations Team

LAMP Services Limited

Chester House

Harlands Road

Haywards Heath

West Sussex

RH16 1LR

If We cannot give you a final decision within 4 weeks from the date We receive your complaint,

We will explain why and tell you when We hope to reach a decision.

You also have the right to refer Your complaint directly to the:

Complaints Manager

Catlin Insurance Company (UK) Ltd.

20 Gracechurch Street

London

EC3V 0BG

England

If You remain dissatisfied after the Complaints Manager has considered Your complaint, or You

have not received a final decision within eight (8) weeks, you can refer Your complaint to the

Financial Ombudsman Service at:

Financial Ombudsman Service

Exchange Tower

London

E14 9SR

United Kingdom

Email: complaint.info@financial-ombudsman.org.uk

From outside the United Kingdom

Telephone Number: +44 (0) 20 7964 1000

Fax: +44 (0) 20 7964 1001

The United Kingdom Financial Services Compensation Scheme Catlin Insurance Company (UK) Ltd. is covered by the United Kingdom Financial Services Compensation Scheme. The Insured may be entitled to compensation from the Scheme if an Insurer is unable to meet their obligations under this contract of insurance. If the Insured were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract of insurance. Further Information about the Scheme is available from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU) and on their website: www.fscs.org.uk

18

9 DATA PROTECTION

9.1 We collect and maintain Your personal information in order to:

9.1.1 underwrite and administer the Polices of insurance that We issue;

9.1.2 provide You with information, products or services which We feel may interest You;

9.1.3 verify Your identity;

9.1.4 carry out Our obligations rising from the Policy; and

9.1.5 notify You about changes to this Policy.

9.2 All personal information is treated with the utmost confidentiality and with appropriate

levels of security in accordance with the Data Protection Act 1998. We will not keep Your

information longer than is necessary. Your information will be protected from accidental or

unauthorised disclosure. We will only reveal Your information if it is allowed by law,

authorised by You, to prevent fraud or in order that We can liaise with Our agents in the

administration of this Policy. You have the right to ask for a copy of any information We hold

on You upon payment of an administrative fee and to require a correction of any incorrect

information held. Any inaccurate or misleading data will be corrected as soon as possible.

9.3 We shall not transfer your personal information outside the European Economic Area (EEA)

but We may transfer it to Our agents and subcontractors within the EEA who help Us

administer Your Policy. We may disclose Your personal information to any member of Our

group, which means our subsidiaries and parent company. In the event that We buy or sell

any business or assets, We may disclose your personal information to the prospective buyer

or seller of such business assets.

9.4 The above principles apply whether We hold Your information on paper or in electronic

form. We will notify You of any changes to this section 9 of this Policy.

9.5 Enquiries in relation to data held by the data controller should be addressed to Group

Compliance Officer, Catlin Insurance Company (UK) Ltd., 20 Gracechurch Street, London

EC3V 0BG

RIGHTS OF THIRD PARTIES

You, the Policyholder and the Insurer are parties to this Plan, a person who is not a party to this Plan

has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Plan

but this does not affect any right or remedy of a third party which exists or is available apart from

that Act.

SANCTIONS

We shall not provide any benefit under this Plan to the extent of providing cover, payment of any

Claim or the provision of any benefit where doing so would breach any sanction, prohibition or

restriction imposed by law or regulation.