Comprehensive Long Term Insurance Coverage

Benefits

Global Mission Medical Insurance^® covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per period of coverage (12 months) with a maximum of three deductibles per family. For eligible expenses incurred in the U.S. and Canada (if applicable): once the deductible is met, Global Mission Medical Insurance pays 80% of the next US$5000 in eligible expenses then 100% of eligible expenses up to the Policy Maximum. For eligible expenses incurred outside the U.S. and Canada: once the deductible is met, Global Mission Medical Insurance will pay 100% of eligible expenses up to the Policy Maximum.


MEDICAL INSURANCE	BENEFIT Subject to deductible and coinsurance
Coverage Area	Two options: Worldwide or worldwide excluding U.S. and Canada
Policy Maximum Per Individual	US$5,000,000 lifetime

Hospitalization Semi-private room and board • Nursing services • Prescription medication • Physician charges • Diagnostic and laboratory testing • X-rays • Chemotherapy and radiation • Durable medical equipment • Treatment, services and supplies routinely provided	URC

Intensive Care Unit	URC

Surgery Surgical care • Second surgical opinion • Anesthetics • Physician charges for surgery • Treatment, services and supplies routinely provided	URC

Transplants Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently contracted PPO network	US$1,000,000 lifetime

Outpatient Emergency treatment of illness or injury • Surgery • Rehabilitative treatment • Treatment, services or supplies routinely provided • Prescription medication	URC

Emergency Surgery or dental treatment following an accident • Emergency room following an accident • Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) US$250 deductible if treatment does not require admittance to the hospital.	URC

Emergency Transportation by Ground Ambulance	URC

Emergency Medical Evacuation Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime	Up to policy maximum

Return of Mortal Remains	US$25,000

Supplemental Accident The first $300 will be covered for each accidental injury	US$300 per occurrence (not subject to the deductible or coinsurance)

Child Wellness Available for eligible children under 18 years of age after 12 months of continuous coverage	US$200 maximum per period of coverage (not subject to deductible or coinsurance)

Pre-existing Conditions Only available after 24 months of continuous coverage	US$50,000 lifetime (maximum of US$5,000 per period of coverage)

Mental/Nervous Care Only available after 12 months of continuous coverage • Inpatient and outpatient care by a licensed psychiatrist	US$10,000 per period of coverage, US$50,000 lifetime

Wellness Females age 30 and over, only after 12 months of continuous coverage • Routine physicals • Mammogram, ob/gyn visit, etc. (exams must be separated by 12 months) Males age 30 and over, only after 12 months of continuous coverage • Routine physicals (exams must be separated by 12 months)	US$250 per period of coverage (not subject to deductible or coinsurance)

Dental Emergency Necessary treatment of sudden, unexpected pain to sound natural teeth	US$100 per period of coverage

Complementary Medicine	(Each per period of coverage)
Acupuncture	US$150
Aroma Therapy	US$50
Herbal Therapy	US$50
Magnetic Therapy	US$75
Massage Therapy	US$150
Vitamin Therapy	US$100

Recreational SCUBA Coverage Illness or injury while using safe diving practices as laid down by an Authoritative Diving Body	URC

Other Chiropractor when referred by a physician • Radiation treatment • Home nursing care • Hospice care • Physical therapy (maximum US$50 per visit) • Prosthetic devices	URC

The foregoing list is only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the Certificate Wording for a complete description, which is available upon request.

Exclusions

Pre-existing conditions and exclusions

After coverage has been in effect for 24 continuous months, GMMI^SM provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. GMMI^SM does not rider or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*

The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.

OTHER EXCLUSIONS & LIMITATIONS*

Maternity and newborn care (unless the maternity rider is purchased - see details under the Benefits section)

Inpatient mental and nervous

Routine physical exams

Dental treatment unless accident related

Organized amateur or professional sports

Treatment not ordered or received by a physician

Treatment or supplies not medically necessary

Investigational, experimental or research procedures

Custodial care

Weight modification

Elective cosmetic or plastic surgery

Treatment of impotency

Contraceptive medication or treatment

Drug and alcohol abuse treatment

Organ transplants not specifically listed

Devices to correct sight or hearing

Routine foot care

Treatment by a relative or family member

Treatment as a result of war or riot

Treatment resulting from illegal activities

Speech therapy

Persons HIV+ at effective date

Services and treatment eligible for payment by any government or other insurance

* See Certificate Wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate Wording is available upon request

Premiums

New Business Rates through 31-Oct-2008 (Includes 2.5% surplus lines tax where applicable)

WORLDWIDE COVERAGE - ANNUAL PREMIUMS
	$250.00 deductible		$500.00 deductible		$1,000.00 deductible		$2,500.00 deductible		$5,000.00 deductible		$10,000.00 deductible

Age	M	F	M	F	M	F	M	F	M	F	M	F

14 Days-9**	First 2 Free*, Then 501		First 2 Free*, Then 423		First 2 Free*, Then 322		First 2 Free*, Then 290		First 2 Free*, Then 260		First 2 Free*, Then 235

10-18**	545		445		345		312		280		252
* The first two Dependent Children between the ages of 14 days to 9 years are free only when both parents or guardians are insured under the GMMI plan. **Dependent child rates are only available when at least one parent or guardian is insured under the GMMI plan. Children applying with no parent or guardian insured by GMMI must use the Male 19-24 rates.

19-24	1,171	1,543	1,008	1,468	784	1,048	691	928	567	786	447	593

25-29	1,212	1,722	1,058	1,626	820	1,167	721	1,026	593	894	464	614

30-34	1,339	1,927	1,176	1,807	915	1,343	811	1,188	664	1,002	523	749

35-39	1,388	2,135	1,234	1,941	954	1,492	845	1,308	691	1,117	543	770

40-44	1,791	2,340	1,583	2,091	1,226	1,622	1,089	1,441	887	1,145	702	899

45-49	2,015	2,434	1,800	2,196	1,395	1,708	1,237	1,511	1,010	1,166	796	916

50-54	2,449	2,642	2,204	2,403	1,715	1,875	1,562	1,701	1,280	1,392	1,004	1,094

55-59	3,101	3,014	2,843	2,762	2,219	2,157	1,957	1,902	1,648	1,601	1,286	1,249

60-64	4,359	4,109	4,031	3,781	3,375	3,125	3,080	2,850	2,556	2,262	2,098	1,868

65-69	9,001	7,849	8,672	7,521	8,018	6,863	6,235	5,633	5,409	4,869	4,457	4,014

70 - 74	Please contact IMG or your agent for premium information concerning this age bracket
Rates expire on 31-Oct-2008

New Business Rates through 31-Oct-2008 (Includes 2.5% surplus lines tax where applicable)

WORLDWIDE COVERAGE EXCLUDING U.S/CANADA - ANNUAL PREMIUMS
	$250.00 deductible		$500.00 deductible		$1,000.00 deductible		$2,500.00 deductible		$5,000.00 deductible		$10,000.00 deductible

Age	M	F	M	F	M	F	M	F	M	F	M	F

14 Days-9**	First 2 Free*, Then 376		First 2 Free*, Then 317		First 2 Free*, Then 242		First 2 Free*, Then 217		First 2 Free*, Then 195		First 2 Free*, Then 176

10-18**	408		334		259		234		210		189
* The first two Dependent Children between the ages of 14 days to 9 years are free only when both parents or guardians are insured under the GMMI plan. **Dependent child rates are only available when at least one parent or guardian is insured under the GMMI plan. Children applying with no parent or guardian insured by GMMI must use the Male 19-24 rates.

19-24	878	1,157	756	1,101	588	786	519	696	425	590	336	445

25-29	909	1,291	794	1,220	615	875	541	770	445	671	349	461

30-34	1,004	1,446	882	1,355	686	1,008	608	892	498	752	393	562

35-39	1,042	1,601	925	1,456	716	1,119	634	981	519	838	407	578

40-44	1,343	1,755	1,187	1,569	920	1,216	816	1,081	666	859	526	675

45-49	1,512	1,826	1,349	1,647	1,046	1,281	928	1,134	759	875	597	687

50-54	1,837	1,982	1,654	1,803	1,286	1,406	1,172	1,276	960	1,044	753	821

55-59	2,326	2,261	2,132	2,072	1,664	1,618	1,467	1,427	1,236	1,201	965	937

60-64	3,269	3,083	3,024	2,836	2,531	2,344	2,311	2,137	1,917	1,696	1,574	1,402

65-69	6,751	5,887	6,504	5,641	6,014	5,147	4,676	4,225	4,057	3,652	3,343	3,011

70 - 74	Please contact IMG or your agent for premium information concerning this age bracket
Rates expire on 31-Oct-2008
Optional Maternity Rider $2,500 annual premium