Atlas Travel - HCC Medical Insurance Services

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Medical Insurance Services Group 251 North Illinois Street, Suite 600, Indianapolis, IN, 46204 USA Tel: 317-262-2132 Fax: 317-262-2140 Toll Free: 800-605-2282 http://service.hccmis.com hccmis.com

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ATLAS TRAVEL

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DESCRIPTION OF COVERAGE

1001151117

CONTENTS PATIENT PROTECTION AND AFFORDABLE CARE ACT (“PPACA”) DISCLOSURE STATEMENT .................3 DESCRIPTION OF COVERAGE SUMMARY ..................3

MEDICAL & REPATRIATION EXPENSES ................... 11 MEDICAL EXPENSES ........................................... 12 EMERGENCY MEDICAL EVACUATION ............... 13

IMPORTANT FEATURES OF YOUR TRAVEL INSURANCE ....................................................................3

TRIP INTERRUPTION ........................................... 13

CANCELLATION ...................................................... 3

RETURN OF MINOR CHILDREN .......................... 14

U.S. PREFERRED PROVIDER ORGANIZATION (PPO)........................................................................ 3

POLITICAL EVACUATION .................................... 14

CLAIMS .................................................................... 4

LOCAL BURIAL OR CREMATION ........................ 15

APPEALS AND COMPLAINTS ................................ 4

INDEMNITY BENEFIT & VISITATION EXPENSES ...... 15

DEFINITIONS ........................................................... 4

HOSPITAL INDEMNITY ........................................ 15

PRE-EXISTING CONDITIONS ................................. 4

EMERGENCY REUNION ...................................... 15

DATA PROTECTION................................................ 4

BEDSIDE VISIT ..................................................... 16

RIGHTS OF THIRD PARTIES .................................. 4

TRAVEL ASSISTANCE ................................................ 16

LAW AND JURISDICTION ....................................... 4

TRAVEL DELAY .................................................... 16

TOKIO MARINE HCC MEDICAL INSURANCE SERVICES GROUP (“MIS GROUP”) ....................... 4

LOST CHECKED LUGGAGE ................................ 16

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REPATRIATION OF REMAINS ............................. 14

NATURAL DISASTER - REPLACEMENT ACCOMMODATIONS ............................................ 17

CERTIFICATE EFFECTIVE DATE ........................... 5

PET RETURN ........................................................ 17

CERTIFICATE TERMINATION DATE ...................... 5

PERSONAL ACCIDENT ............................................... 17

BENEFIT PERIOD & HOME COUNTRY COVERAGE ....5

ACCIDENTAL DEATH AND DISMEMBERMENT .. 17

BENEFIT PERIOD .................................................... 5 INCIDENTAL HOME COUNTRY COVERAGE ......... 5

COMMON CARRIER ACCIDENTAL DEATH BENEFIT ................................................................ 18

SCHEDULE OF BENEFITS AND LIMITS ........................6

SPORTS AND ACTIVITIES .......................................... 19

CLAIM PROCEDURES....................................................9

CRISIS RESPONSE ..................................................... 20

PROOF OF CLAIM ................................................... 9

PERSONAL LIABILITY ................................................. 21

CLAIMS COOPERATION ......................................... 9

TERRORISM................................................................. 22

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CERTIFICATE EFFECTIVE & TERMINATION DATES 5

ACCESS TO ADDITIONAL MATERIALS ................. 9 OTHER INSURANCE ............................................. 10

GENERAL EXCLUSIONS ............................................. 23 DEFINITIONS ............................................................... 25

ARBITRATION........................................................ 10

OPTIONAL ACCIDENTAL DEATH & DISMEMBERMENT BENEFIT RIDER ........................................................... 29

APPEAL AND COMPLAINTS PROCEDURE ................10

OPTIONAL CRISIS RESPONSE BENEFIT RIDER ...... 31

APPEALING A CLAIM ............................................ 10

KIDNAPPING AND EXPRESS KIDNAPPING ....... 31

COMPLAINTS PROCEDURE ................................ 10

NATURAL DISASTER EVACUATION ................... 32

PRE-EXISTING MEDICAL CONDITIONS .....................11

OPTIONAL PERSONAL LIABILITY BENEFIT RIDER .. 34

ACUTE ONSET OF PRE-EXISTING CONDITION . 11

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

IMPORTANT NOTICE AND DISCLAIMER CONCERNING THE UNITES STATES PATIENT PROTECTION AND AFFORDABLE CARE ACT

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This insurance is not subject to, and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether this policy meets any obligations you may have under PPACA.

DESCRIPTION OF COVERAGE SUMMARY

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This Description of Coverage is a summary of the provisions contained in Master Policy No.1719201.1. For a complete copy of the Master Policy, please contact Tokio Marine HCC Medical Insurance Services Group. This Description is to help you understand the insurance that your certificate provides. It details the key features, benefits, limitations, exclusions, definitions, Schedule of Benefits and Limits, and any endorsements, applying to your certificate. The levels of coverage which apply to your coverage are detailed in the Schedule of Benefits and Limits.

IMPORTANT FEATURES OF YOUR TRAVEL INSURANCE CANCELLATION

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We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium. Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.

Premiums may be refunded after the certificate effective date subject to the following provisions: a. A $25 cancellation fee will apply for administrative costs incurred by us; and b. Only the unused portion of the plan cost will be refunded; and c. You cannot have filed any claims to be eligible for a premium refund.

U.S. PREFERRED PROVIDER ORGANIZATION (PPO)

This insurance policy offers the option of a PPO network for medical treatment received in the United States. If you choose to seek treatment from a PPO provider, billed charges for eligible expenses may be reduced and we will remit payment directly to the provider. Additionally, we will apply the innetwork coinsurance applicable to the expenses. You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by accessing the Internet website for Tokio Marine HCC - MIS Group: www.hccmis.com. For assistance locating a provider, contact us at 1-800-605-2282.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

CLAIMS This insurance policy has in it a Claims Procedure which tells you what steps you must take to file a claim, and explains our obligations to you. Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim. APPEALS AND COMPLAINTS This insurance policy has in it an Appeals and Complaints Procedure which tells you what steps you can take if you wish to make an appeal or complaint. DEFINITIONS

PRE-EXISTING CONDITIONS

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This insurance policy has defined terms, indicated by bolded words (excluding headers). The defined terms may be found in the relevant benefit section or in the general definitions.

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit. DATA PROTECTION

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We respect individual privacy and value your confidence. We restrict access to personal information to employees/partners who need to know that information in order to perform their jobs. Any employee that we determine is in violation of this policy will be subject to disciplinary action, up to and including termination and criminal prosecution. We will not disclose your personal information to third parties outside Tokio Marine HCC and our partners unless ordered to do so to comply with the law of the countries in which we do business or when complying with the legal process. RIGHTS OF THIRD PARTIES

You may assign benefits under this insurance to a hospital, physician or other provider. Any assignment shall not confer upon such hospital, physician or other provider, any right or privilege granted to you under this insurance except for the right to receive benefits, if any, which are determined to be due and payable hereunder. No hospital, physician or other provider shall have any direct or indirect claim or right of action against us. LAW AND JURISDICTION

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No action of law or equity may be brought to recover benefits under this insurance until 60 days after written proof of claim has been provided to us. No such action may be brought after the end of three (3) years after the time written proof of claim is required to be furnished. The validity, interpretation, and performance of this agreement shall be governed by and construed in accordance with the laws of Bermuda. TOKIO MARINE HCC MEDICAL INSURANCE SERVICES GROUP (“MIS GROUP”)

A subsidiary of Tokio Marine HCC, HCC Lloyd’s Syndicate 4141 is managed by HCC Underwriting Agency Ltd which is authorized by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Registered in England and Wales No. 04632146. Registered office: 1 Aldgate, London EC3N 1RE, United Kingdom.

These details can be checked on the Financial Services Register by visiting: www.fca.org.uk or contacting the Financial Conduct Authority on 0800 111 6768.

MEMBER ELIGIBILITY U.S. Citizens and Non-U.S. Citizens who are at least 14 days of age are eligible for coverage outside of their home countries, except as provided under home country coverage. U.S. Citizens and

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

residents are not eligible for coverage within the U.S, except as provided under home country coverage or an eligible benefit period. Individuals age 70 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.

CERTIFICATE EFFECTIVE & TERMINATION DATES CERTIFICATE EFFECTIVE DATE

CERTIFICATE TERMINATION DATE

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Insurance hereunder is effective on the later of: a. The moment we receive an application and correct premium if the application and payment is made online or by fax; b. 12:01am U.S. Eastern Time on the date we receive an application and correct premium if the application and payment is made by mail; c. The moment you depart from your home country; or d. 12:01am U.S. Eastern Time on the date requested on the application.

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Insurance hereunder terminates on the earlier of: a. 11:59pm U.S. Eastern Time on the last day of the period for which premium has been paid; b. 11:59pm U.S. Eastern Time on the date requested on the application; or c. The moment of arrival upon your return to your home country (unless you have started a benefit period or are eligible for home country coverage).

BENEFIT PERIOD & HOME COUNTRY COVERAGE BENEFIT PERIOD

While the certificate is in effect, the benefit period does not apply. Upon termination of the certificate, in accordance with this provision, we will pay eligible medical expenses for up to 90 days beginning on the first day of diagnosis or treatment of a covered injury or illness while you are outside your home country. The benefit period applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

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In the event you begin a benefit period while the certificate is in effect, and the certificate terminates because you return to your home country, we will pay eligible medical expenses which are incurred in your home country during the benefit period. Home country coverage applies only to eligible medical expenses related to the injury or illness that began while the certificate was in effect.

INCIDENTAL HOME COUNTRY COVERAGE

U.S. home country: For every three month period during which you are covered, eligible medical expenses incurred in the U.S. are covered up to a maximum of 15 days.

Non-U.S. home country: For every three month period during which you are covered, eligible medical expenses incurred in your home country are covered up to a maximum of 30 days. Any benefit accrued under a single three month period does not accumulate to another period. Failure to continue your international trip or your return to your home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement. Except for a benefit period, coverage provided under this Master Policy is for a maximum duration of 364 days. Notwithstanding the foregoing, coverage under all plans shall terminate on the date we, at our sole option, elect to cancel all members of the same sex, age, class or geographic location, provided we give no less than 30 days advance written notice by mail to your last known address.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

SCHEDULE OF BENEFITS AND LIMITS Plan Details Overall Maximum Limit

Age 80 or older $10,000. Age 70 to 79: $50,000, $100,000. All others: $50,000, $100,000, $200,000, $500,000,$1,000,000 or $2,000,000

Maximum per Injury / Illness

Age 80 or older $10,000. Age 70 to 79: $50,000, $100,000.

Deductibles

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All others: $50,000, $100,000, $200,000, $500,000, $1,000,000, or $2,000,000 $0, $100, $250, $500, $1,000 or $2,500 per certificate period

Coinsurance – Claims incurred in U.S.

Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Out-of-Network Payment

Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.

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In-Network Payment

Coinsurance – Claims incurred outside U.S.

We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

Limit

Hospital Room and Board

Average semi-private room rate, including nursing services

Intensive Care Unit

Up to the overall maximum limit

Local Ambulance

Usual, reasonable and customary charges, when covered illness or injury results in hospitalization as inpatient.

Emergency Room Co-payment – Claims incurred in U.S.

You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury.

Urgent Care Center – Claims incurred in U.S.

Outpatient Physical Therapy and Chiropractic Care

For each visit, you shall be responsible for a $50 co-payment, after which coinsurance will apply. – Co-payment is waived for members with a $0 deductible. – not subject to deductible Up to $50 maximum per day. Must be ordered in advance by a physician.

Emergency Dental (Acute Onset of Pain)

Up to $250 - not subject to deductible or coinsurance

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 70)

Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation

Terrorism

Up to $50,000 lifetime maximum, eligible medical expenses only

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Benefit

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

All Other Eligible Medical Expenses

Up to the overall maximum limit

Emergency Travel Benefits

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Emergency Medical Evacuation

Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition - not subject to deductible, coinsurance, or overall maximum limit Up to the overall maximum limit - not subject to deductible or coinsurance

Local Burial or Cremation

Up to $5,000 lifetime maximum - not subject to deductible or coinsurance

Crisis Response - Ransom, Personal Belongings, and Crisis Response Fees and Expenses

Up to $10,000 - not subject to deductible, coinsurance, or overall maximum limit

Optional Crisis Response Rider with Natural Disaster Evacuation

Up to $90,000 per certificate period, with $10,000 maximum for Natural Disaster Evacuation

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Repatriation of Remains

- not subject to deductible, coinsurance, or overall maximum limit Up to $50,000, subject to a maximum of 15 days - not subject to deductible or coinsurance

Bedside Visit

Up to $1,500 - not subject to deductible or coinsurance

Return of Minor Children

Up to $50,000 - not subject to deductible or coinsurance

Pet Return

Up to $1,000 - not subject to deductible or coinsurance

Political Evacuation

Up to $10,000 lifetime maximum

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Emergency Reunion

- not subject to deductible or coinsurance

Trip Interruption

Up to $5,000 - not subject to deductible or coinsurance

Accidental Death & Dismemberment (excludes loss due to Common Carrier Accident)

Lifetime Maximum - $50,000 Death - $50,000 Loss of 2 Limbs - $50,000 Loss of 1 Limb - $25,000

Under age 18

Lifetime Maximum - $5,000 Death - $5,000 Loss of 2 Limbs - $5,000 Loss of 1 Limb - $2,500

Ages 70 through 74

Lifetime Maximum - $12,500 Death - $12,500 Loss of 2 Limbs - $12,500 Loss of 1 Limb - $6,250

Ages 75 and older

Lifetime Maximum - $6,250 Death - $6,250 Loss of 2 Limbs - $6,250 Loss of 1 Limb - $3,125

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Ages 18 through 69

$250,000 maximum benefit any one family or group. - not subject to deductible, coinsurance, or overall maximum limit

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Optional Accidental Death & Dismemberment Rider (only available to members age 18 through age 69)

Lifetime Maximum - $50,000 Death - $50,000 Loss of 2 Limbs - $50,000 Loss of 1 Limb - $25,000 - not subject to deductible, coinsurance, or overall maximum limit

Common Carrier Accidental Death Ages 18 through 69

$50,000

Under age 18

$25,000

Ages 70 through 74

$12,500

Ages 75 and older

$6,250 Subject to a maximum of $250,000 any one family or group.

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- not subject to deductible, coinsurance, or overall maximum limit Up to $500 - not subject to deductible or coinsurance

Travel Delay

Up to $100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2 days. - not subject to deductible or coinsurance

Natural Disaster - Replacement Accommodations

Up to $100 a day for 5 days - not subject to deductible or coinsurance

Hospital Indemnity

$100 per day of inpatient hospitalization - not subject to deductible or coinsurance

Personal Liability

Up to:

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Lost Checked Luggage

$10,000 lifetime maximum $10,000 third person injury $10,000 third person property $2,500 related third person property - not subject to deductible, coinsurance, or overall maximum limit

Optional Personal Liability Rider

Up to $90,000 lifetime maximum - not subject to deductible, coinsurance, or overall maximum limit

Certificate Period means the period of time beginning on the date and time of the certificate effective date and ending on the date and time of the certificate termination date.

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Coinsurance means your payment of eligible expenses as specified in the Schedule of Benefits and Limits. Deductible means the dollar amount of eligible expenses, specified in the Schedule of Benefits and Limits that you must pay per certificate period before eligible expenses are paid.

Usual, Reasonable and Customary means the lesser of the following: 1. One and a half times (150%) of the charges payable under the United States Medicare program, for claims incurred outside the PPO network within the U.S., or 2. Most common charge for similar services, medicines or supplies within the area in which the charge is incurred, so long as those charges are reasonable. What is defined as usual, reasonable and customary charges will be determined by us. In determining whether a charge is usual, reasonable and customary, we may consider one or more of the following factors: the level of skill, extent of training, and experience required to perform the procedure or service; the length of time required to perform the procedure or services as compared to the length of time required to perform other similar services; the severity or nature of the illness or injury being treated; the amount charged for the same or comparable services, medicines or supplies in the locality; the amount charged for the same or comparable services, medicines or supplies in other parts of the country; the cost to the provider of providing the service, medicine or supply; such other factors we, in the reasonable exercise of discretion, determine are appropriate.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

U.S. PREFERRED PROVIDER ORGANIZATION (PPO) REQUIREMENTS Nothing contained in this insurance restricts or interferes with your right to select the hospital, physician or other medical service provider of your choice. Nothing contained in this insurance restricts or interferes with the relationship between you and the hospital, physician or other providers with respect to treatment or care of any condition, nor your right to receive, at your own expense, services and/or supplies that are not covered under this insurance. To comply with the United States Preferred Provider Organization (PPO) requirements, you must receive medical treatment from PPO providers while in the United States. If you choose to seek treatment from a PPO provider, we will remit payment for eligible expenses directly to the provider and we will waive the coinsurance applicable to the expenses.

CLAIM PROCEDURES

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You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by accessing the Internet website for Tokio Marine HCC - MIS Group at: www.hccmis.com. For assistance locating a provider, contact us at 1-800-605-2282.

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You must submit a claim for any expenses to be paid by us. This includes treatment or services for which the medical provider will bill us directly. No payments will be made by us without you first submitting a claim. Notice of claim, Claimant’s Statement and Authorization, and proof of claim must be mailed to: Tokio Marine HCC - MIS Group P.O. Box 2005 Farmington Hills, MI 48333-2005 USA

PROOF OF CLAIM When we receive notice of a claim, we will provide you with forms for filing proof of claim. The following is considered to be proof of claim:

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1. A completed and signed Claimant’s Statement and Authorization form, together with any/all required attachments; 2. Original itemized bills from physicians, hospitals and other medical providers; and 3. Original receipts for any expenses which have already been paid by you or on your behalf.

Beginning on the last day of your certificate period, you shall have 60 days to provide us proof of claim (unless medical services were rendered after the certificate termination date, in which case you shall have 60 days from the date the claim is incurred). Subsequent to receipt of proof of claim, we may, at our sole discretion, request and require additional information, including but not limited to medical records, necessary to confirm the validity of any claim prior to payment thereof.

CLAIMS COOPERATION

You shall provide assistance and cooperate with us or our representatives in obtaining any other records we or they feel necessary to evaluate the incident or claim. Following notification of a claim, you shall provide, when asked, all authorizations necessary to obtain your medical records. If you do not cooperate with us and/or our investigation of the claim, we shall not be liable to pay any claim. ACCESS TO ADDITIONAL MATERIALS

You shall provide us, or our designated representatives, all information, documentation, medical information that we or they may reasonably require during the term of this policy, or until all claims have been resolved, whichever is later.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

OTHER INSURANCE We shall not pay any claim if there is other insurance which would, or would but for the existence of this insurance, pay such claim. This insurance will apply with respect to expenses in excess of the amount paid or payable under such other insurance. We shall not pay any claim in respect to care, treatment, services or supplies furnished by any program or agency funded by any government. ARBITRATION

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Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration by the American Arbitration Association in accordance with its Consumer Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Where any dispute is by this provision referred to arbitration, the making of an award shall be a condition precedent to any right of action against us.

APPEAL AND COMPLAINTS PROCEDURE

APPEALING A CLAIM In the event we deny all or part of a claim under this insurance, you may file a written appeal with us. The written appeal must include sufficient information to identify the claim under appeal and must specify the reason(s) for the appeal with supporting documentation, if applicable.

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Please provide your written appeal online or by postal mail at the following: http://service.hccmis.com/ or Tokio Marine HCC - MIS Group P.O. Box 2005 Farmington Hills, MI 48333-2005 USA

When we receive the appeal, we will review the claim and a written response will be sent to you. After you receive our response to the appeal, you may initiate a second appeal. With our receipt of the second appeal, medical and/or claims personnel who were not involved in the original claim determination or the initial appeal will review the claim. A final determination will be made and a letter will be sent to you.

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Please note that appealing a claim is not a requirement to following the complaints procedure detailed below. COMPLAINTS PROCEDURE We are dedicated to providing a high-quality service and want to ensure that it is maintained at all times. If you feel that we or another party connected with this policy have not offered a first class service please contact us and we will do our best to resolve the problem.

Please provide your written complaint online or by postal mail at the following: http://service.hccmis.com/ or Tokio Marine HCC - MIS Group P.O. Box 2005 Farmington Hills, MI 48333-2005 USA

You will be contacted within 3 (three) business days of receiving your complaint to inform you of what action is being taken. We will try to resolve the problem and give you an answer within four weeks. If it will take longer than four weeks we will tell you when you can expect an answer. If you have not been given an answer within 8 (eight) weeks we will tell you how you can take your complaint to the Financial Ombudsman Service for review. This complaints procedure does not affect any legal right you have to take action. Once you have received your final response from us, and if you are still not satisfied you can contact the Financial Ombudsman Service: Financial Ombudsman Service

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Exchange Tower, Harbour Exchange Square, London, E14 9SR Phone: +44 (0) 20 7964 0500

Email: [email protected] If you have purchased your policy online or by other electronic means within the European Union (EU) you may also make your complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is: http://ec.europa.eu/odr

PRE-EXISTING MEDICAL CONDITIONS This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.

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Pre-existing Condition means any 1. Condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding the certificate effective date; 2. Condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the certificate effective date; or

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3. Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition.

ACUTE ONSET OF PRE-EXISTING CONDITION

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YOU ARE COVERED: 1. Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which: a. Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms; and b. Is of short duration; and c. Is rapidly progressive; and d. Requires urgent care. YOU ARE NOT COVERED unless you fulfill the following condition: 1. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

YOU ARE NOT COVERED IF: 1. The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or 2. The pre-existing condition is a chronic or congenital condition or that gradually becomes worse over time; or 3. The charges are for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date; or 4. Expenses arise directly or indirectly from anything in the General Exclusions.

MEDICAL & REPATRIATION EXPENSES Subject to the limits set forth in the Schedule of Benefits and Limits, and subject to the conditions and restrictions contained in this provision, we will pay the following expenses incurred while this insurance is in effect.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

MEDICAL EXPENSES

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YOU ARE COVERED: 1. Charges made by a hospital for: a. Daily room and board and nursing services not to exceed the average semi-private room rate; and b. Daily room and board and nursing services in Intensive Care Unit; and c. Use of operating, treatment or recovery room; and d. Services and supplies which are routinely provided by the hospital to persons for use while inpatients; and e. Emergency treatment of an injury, even if hospital confinement is not required; and f. Emergency treatment of an illness; subject to emergency room co-pay as outlined in the Schedule of Benefits and Limits. ER co-payment is waived when you are directly admitted to the hospital as inpatient for further treatment of that illness. 2. Surgery at an outpatient surgical facility, including services and supplies. 3. Charges made by a physician for professional services, including surgery. Charges for an assistant surgeon are covered up to 20% of the usual, reasonable and customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder. 4. Dressings, sutures, casts or other supplies which are medically necessary and administered by or under the supervision of a physician, but excluding nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home, and all devices or supplies for repeat use at home, except durable medical equipment. 5. Diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included). 6. Artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof. 7. Reconstructive surgery when the surgery is directly related to surgery which is covered hereunder. 8. Hemodialysis and the charges by the hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components. 9. Oxygen and other gasses and their administration by or under the supervision of a physician. 10. Anesthetics and their administration by a physician. 11. Drugs which require prescription by a physician for treatment of a covered injury or illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of 60 days per prescription. 12. Care in a licensed extended care facility upon direct transfer from an acute care hospital. 13. Home nursing care in bed by a qualified licensed professional, provided by a home health care agency upon direct transfer from an acute care hospital and only in lieu of medically necessary inpatient hospitalization. 14. Emergency local ambulance transport necessarily incurred in connection with injury or illness resulting in inpatient hospitalization. 15. Emergency dental treatment and dental surgery necessary to restore or replace sound natural teeth lost or damaged in an accident which was covered under this insurance. 16. Emergency dental treatment necessary to resolve acute onset of pain, provided treatment is obtained within 24 hours of the acute onset of pain. 17. Medically necessary rental of durable medical equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices. 18. Outpatient physical therapy or chiropractic care if prescribed by a physician who is not affiliated with the physical therapy or chiropractic practice, necessarily incurred to continue recovery from a covered injury or illness. 19. Injury or illness resulting from participation in sports or athletic activities not otherwise excluded under this insurance.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

EMERGENCY MEDICAL EVACUATION YOU ARE COVERED: 1. Emergency air transportation to a suitable airport nearest to the hospital where you will receive treatment; and 2. Emergency ground transportation necessarily preceding emergency air transportation; and from the destination airport to the hospital where you will receive treatment.

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YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The evacuation is recommended by the attending physician who certifies that it is medically necessary and that transportation by any other method would result in the loss of your life or limb; and 2. The evacuation is agreed upon by you or your relative; and 3. Travel arrangements, excluding Emergency Local Ambulance, are approved in advance and coordinated by us.

EC IM

YOU ARE NOT COVERED IF: 1. The illness or injury giving rise to the expense is not covered under this insurance; or 2. Medically necessary treatment, services and supplies can provided locally; or 3. If transportation by any other method would not result in the loss of your life or limb; or 4. The condition giving rise to the Emergency Medical Evacuation did not occur spontaneously and without advance warning, either in the form of physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the onset of the emergency; or 5. Expenses are directly or indirectly from anything in the General Exclusions. We will provide Emergency Medical Evacuation only to the nearest hospital that is qualified to provide the medically necessary treatment, services and supplies to prevent your loss of life or limb. The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

SP

Notwithstanding the foregoing, and if you are visiting the U.S., we will pay for expenses to return you to your home country if the attending physician and our medical consultant agree that transfer to your home country is more appropriate than transfer to the nearest qualified hospital.

TRIP INTERRUPTION

YOU ARE COVERED: 1. The cost of an economy one-way air or ground transportation ticket for you to the terminal serving the area of your principal residence, and/or 2. The cost of an economy one-way air and/or ground transportation ticket for you from the area where you were hospitalized following an Emergency Medical Evacuation to the area where you were initially evacuated from or to the terminal serving the area of your principal residence.

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You provide proof of one or more of the following events: destruction, after departure from home country, resulting from fire or weather of more than 40% of your principal residence, or death of a parent, spouse, sibling, child, or grandchild; or

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

2. Following a covered Emergency Medical Evacuation, the attending physician states that it is medically necessary for you to return to your home country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery. YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

RETURN OF MINOR CHILDREN YOU ARE COVERED: 1. The cost of a one-way economy air and/or ground transportation ticket for each covered minor child to the terminal serving the area of the principle residence of each minor child.

EN

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You are the only person age 18 or older, traveling with one or more minor children under the age of 18 who are also covered hereunder; and 2. You are hospitalized for treatment of a covered illness or injury, resulting in the children being left unattended for a period of time expected to exceed 36 hours; and 3. The Return of Minor Children benefit must be agreed upon by you and/or by an authorized adult relative of the affected, covered minor children.

EC IM

YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

POLITICAL EVACUATION

YOU ARE COVERED: 1. The cost of transportation by the most economical means possible for you to the nearest country of safety or to your home country. We will determine to which country you will be evacuated.

SP

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The U.S. government issues a travel warning after your arrival in the destination country; and 2. You contact us within 10 days of the date the warning is issued.

YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

REPATRIATION OF REMAINS

YOU ARE COVERED: 1. Air or ground transportation of bodily remains or ashes to the airport or ground transportation terminal nearest your principal residence; and 2. Reasonable costs of preparation of the remains necessary for transportation.

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The illness or injury giving rise to the expense are covered under this insurance; and 2. Travel arrangements are approved in advance and coordinated by us. YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

We are held harmless and shall not be held liable for loss of or any damage or other impairment to bodily remains incurred during the repatriation process or otherwise. The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

LOCAL BURIAL OR CREMATION

EN

YOU ARE COVERED: 1. For you to be buried or cremated in the country of death in lieu of Repatriation of Remains up to the specified benefit maximum. YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The illness or injury giving rise to the expense is covered under this insurance; and 2. Travel arrangements are approved in advance and coordinated by us.

EC IM

YOU ARE NOT COVERED IF: 1. The death occurs in your home country; or 2. The Emergency Medical Evacuation or Repatriation of Remains benefit is used; or 3. Expenses arise directly or indirectly from anything in the General Exclusions.

The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of God. We shall not be held liable for any delays that are not within our direct and immediate control.

INDEMNITY BENEFIT & VISITATION EXPENSES HOSPITAL INDEMNITY

YOU ARE COVERED: 1. The Hospital Indemnity benefit for each night you spend in the hospital.

SP

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You must provide verification of an eligible inpatient hospitalization.

YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

EMERGENCY REUNION

YOU ARE COVERED: 1. The cost of an economy round-trip air or ground transportation ticket for one relative for transportation to the terminal serving the area where you are hospitalized or are to be hospitalized following Emergency Medical Evacuation; and 2. Reasonable expenses for lodging and meals for the relative, which are incurred in the area where you are hospitalized for a period not to exceed 15 days.

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You have a covered Emergency Medical Evacuation. YOU ARE NOT COVERED IF:

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

1. Expenses arise directly or indirectly from anything in the General Exclusions.

BEDSIDE VISIT YOU ARE COVERED: 1. The cost of an economy round-trip air or ground transportation ticket for one relative for transportation to the terminal serving the area where you are hospitalized or are to be hospitalized. YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You are confined to a hospital intensive care unit following a covered life-threatening bodily injury or life-threatening illness.

TRAVEL ASSISTANCE TRAVEL DELAY

EN

YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

EC IM

YOU ARE COVERED: 1. Reimbursement for reasonable accommodations and meals when your delay requires an unplanned overnight stay. YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The delay must be twelve (12) hours or more and certified due to the following reasons: a. Delay of common carrier (which is certified by the common carrier); or b. A traffic accident while enroute to the point of departure from an airport outside of your home country (substantiated by a police report); or c. Organized labor strike, or you being hijacked or quarantined; or d. Stolen passports or travel documents (substantiated by a police report). YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

SP

Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and carrying fare-paying passengers on regularly scheduled and published routes.

LOST CHECKED LUGGAGE

YOU ARE COVERED: 1. Replacement of clothes and personal hygiene items, not to exceed $50 any one item.

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The lost checked luggage must have been checked, in accordance with routine luggage checking procedures, for transportation with you, on board a regularly scheduled commercial airline or cruise line, upon which you were a fare-paying passenger; and 2. You must file a formal claim for lost luggage with the transportation provider, and follow all instructions and take all measures as directed by the transportation provider to locate and retrieve the lost checked luggage; and 3. You must provide us with copies of all documentation of the claim filed with the transportation provider, and a written statement from the transportation provider confirming that the luggage was checked and after careful search, the luggage remains missing; and 4. The lost checked luggage must be lost as of the date of our payment and as of that date, must have been lost for at least 10 days.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

NATURAL DISASTER - REPLACEMENT ACCOMMODATIONS YOU ARE COVERED: 1. Replacement accommodations in the event you are displaced from planned paid accommodations due to evacuation from forecasted natural disaster or following a natural disaster strike. YOU ARE NOT COVERED unless you fulfill the following conditions: 1. Following receipt of proof of payment for the accommodations from which you were displaced.

EN

YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

Displaced means required to depart a destination due to an evacuation ordered by prevailing authorities.

EC IM

Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage. Natural disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where: 1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour period from the path forecast by a nationally recognized meteorological service; or 2. Less than 72 hours advance notice of a potential landfall for a named storm exists.

PET RETURN

YOU ARE COVERED: 1. The cost of a one-way economy air and/or ground transportation ticket for a pet to be returned to the terminal serving the area of your principle residence.

SP

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You are the only person aged 18 or older traveling with the pet; and 2. You are hospitalized for treatment of a covered illness or injury, resulting in the pet being left unattended for a period of time expected to exceed 36 hours. YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions.

PERSONAL ACCIDENT ACCIDENTAL DEATH AND DISMEMBERMENT

YOU ARE COVERED: 1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary; or 2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits; or 3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits. YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The accident giving rise to the Accidental Death or Dismemberment must be covered under this insurance; and

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

2. The accident giving rise to the accidental death must not be a common carrier accident; and 3. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

EC IM

EN

YOU ARE NOT COVERED IF: 1. Accidents or loss caused by or contributed to by any of the following: a. Terrorism, war or act of war, whether declared or undeclared; b. Your participation in a riot, insurrection or violent disorder; c. Your service in the armed forces of any country; d. Suicide or attempted suicide or self-inflicted injury, while sane or insane; e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician; f. Committing or attempting to commit a felony; g. Sickness, mental health disorder, or pregnancy; h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly; i. Myocardial infarction or cerebrovascular accident (CVA / Stroke); j. Infection, except infection through a wound caused solely by an accident; k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation; l. Medical or surgical treatment for any of the above; or m. Any non-covered sports activities. 2. Expenses arise directly or indirectly from anything in the General Exclusions. In no event will our payment under this benefit total more than the principal sum. The maximum liability under Accidental Death and Dismemberment for any group or family is limited to $250,000.

COMMON CARRIER ACCIDENTAL DEATH BENEFIT

YOU ARE COVERED: 1. The amount indicated in the Schedule of Benefits to the beneficiary.

SP

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The accident giving rise to the accidental death must occur while you are a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line; 2. Death must occur with 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease; and 3. The maximum liability under this Common Carrier Accidental Death Benefit for a group or family is limited to $250,000. YOU ARE NOT COVERED IF: 1. Expenses arise directly or indirectly from anything in the General Exclusions. Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

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Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows: Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate. Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.

SPORTS AND ACTIVITIES YOU ARE COVERED: 1. You are covered for taking part in amateur/non-professional sports and activities, unless it is excluded below. Coverage is for recreational purposes incidental to a trip.

EN

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You must ensure the activity is adequately supervised and that appropriate safety equipment (such as protective headwear, life jackets etc.) are worn at all times. YOU ARE NOT COVERED IF: 1. The activity is organized athletics involving regular or scheduled practice and/or games; or 2. The activity is performed in a professional capacity or for any wage, reward, or profit; or 3. Expenses arise directly or indirectly from anything in the General Exclusions; or 4. Any of the excluded items listed below:

SP

• • • • • • • • • • • • • • • • •

All-Terrain Vehicles American Football Aussie Rules Football Aviation (except when traveling solely as a passenger in a commercial aircraft) Base Jumping Big Game Hunting Bobsleigh Boxing Cave Diving Football (Soccer) Hang-Gliding Heli-Skiing Hot Air Ballooning as a Pilot Ice Hockey Jousting Kite-Surfing Luge Martial Arts Modern Pentathlon Motorized Dirt Bikes Mountaineering at elevations of 4,500 meters or higher Outdoor Endurance Events Parachuting Paragliding

• • •

19

• • • •

Parasailing Powerlifting Quad Biking Racing by any Animal, Motorized Vehicle, or BMX, and Speed Trials and Speedway Rugby Running with the Bulls Skeleton Sky Surfing Snow Skiing and Snowboarding, except recreational downhill and/or cross country snow skiing or snowboarding (no cover provided while skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body) Snow Mobiles Soccer (Football) Spelunking Sub Aqua Pursuits involving underwater breathing apparatus unless accompanied by a certified instructor at depths less than 10 meters, or PADI/NAUI certified Tractors Whitewater Rafting Wrestling

EC IM

• • • •

• • • • •

• • • •

• • •

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

CRISIS RESPONSE YOU ARE COVERED: 1. Ransom; and/or 2. Crisis Response Fees and Expenses; and/or 3. Personal Belongings KIDNAPPING AND EXPRESS KIDNAPPING

IM EN

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. Notification: Before surrendering a ransom, the person authorizing the surrender shall have notified or made every reasonable attempt to notify: a. The Federal Bureau of Investigation or local law enforcement agencies as soon as practicable bearing in mind the safety of the person(s) held or threatened; and b. Unity Resources Group via us. 2. The surrender of a ransom must not be: a. Carried by, transported by or otherwise in your possession at the time that an express kidnapping or kidnapping first occurs; or b. At the location where an express kidnapping or kidnapping first occurs, unless brought to such location for the sole purpose of conveying a previously communicated ransom demand. 3. Confidentiality: You must at all times use best efforts to ensure that knowledge of the existence of this insurance is restricted as far as possible.

SP EC

YOU ARE NOT COVERED IF: 1. Any kidnapping or express kidnapping first occurs in Iraq, Afghanistan, Pakistan, Nigeria, Somalia, Venezuela or any country for which we are prohibited from transaction due to sanctions by the United States Department of the Treasury’s Office of Foreign Assets Control (OFAC). 2. Any express kidnapping or kidnapping is a result of fraudulent, dishonest or criminal act(s) by you or an authorized representative (whether acting alone or in collusion with others) unless the person authorizing the ransom payment had, prior to payment, made every reasonable attempt to determine that the ransom demand or threat was genuine. 3. Expenses arise directly or indirectly from anything in the General Exclusions.

Limits of Liability: 1. Certificate Period Aggregate: Our total liability for all insured losses shall not exceed the certificate period aggregate set forth herein. 2. In the event that you are covered by two or more policies issued by us covering insured losses arising from a kidnapping or express kidnapping, it is agreed that our aggregate liability for insured losses sustained by you shall not be cumulative and shall in no event exceed the largest amount available under any one of the policies.

Valuation: We shall not be liable for more than the actual cash value of any consideration at the time of its surrender. If insured losses involve currency other than that of the United States of America, we shall not be liable for more than the United States Dollar equivalent of foreign currency based on the rate of exchange in the Wall Street Journal in effect on the day the monies are surrendered and/or expense incurred. Crisis Response Fees and Expenses means all fees and expenses of Unity Resources Group related to your kidnapping or express kidnapping.

Express Kidnapping means the actual or attempted abduction and holding of you against your will where your personal belongings and/or readily available assets are surrendered by you in exchange for your release. Kidnapping means the actual, alleged, or attempted abduction and holding of you against your will by a person or persons who demand a ransom specifically from your assets in exchange for your release. 20

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Insured Losses means covered losses and expenses consisting of the following: ransom, personal belongings, and/or crisis response fees and expenses. Personal Belongings means monies and/or property of monetary value that are: 1. Being carried or transported by you when an express kidnapping or kidnapping first occurs; and 2. Are surrendered during the course of an express kidnapping or kidnapping. Ransom means monies and/or other consideration of monetary value that are surrendered or to be surrendered by you or on your behalf to meet an express kidnapping or kidnapping demand.

PERSONAL LIABILITY

IM EN

YOU ARE COVERED: Up to the sum insured shown in the Schedule of Benefits and Limits (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of: 1. Accidental bodily injury, including death, illness and disease to a third person; and/or 2. Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or 3. Accidental loss of or damage to a related third person’s material property (property that is both material and tangible).

SP EC

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You or your legal representatives will give us written notice immediately if you have received notice of any prosecution or inquest in connection with any circumstances which may give rise to liability under this section. 2. No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior written consent. 3. Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and immediately upon receipt. 4. We shall be entitled to take over and conduct in your name the defense or settlement of any claim or to prosecute in your name for our own benefit any claim for indemnity or damages against all other parties or persons. 5. We may at any time pay you in connection with any claim or series of claims the sum insured (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made we shall relinquish the conduct and control and be under no further liability in connection with such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such payment. 6. We will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to you or for your benefit to settle and compromise an asserted claim against you so long as: a. The asserted claim is one that may be eligible for coverage under this insurance; b. A lawsuit has not yet been filed, or, if already filed, no response has been filed; c. You obtain a full written release and/or covenant-not-to-sue satisfactory to us; and d. A full proof of claim and other necessary documentation is satisfactorily provided to us.

YOU ARE NOT COVERED FOR: 1. Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a licensed physician; 2. Bodily injury, illness or disease of any person under a contract of employment, service or apprenticeship with you when the bodily injury, illness or disease arises out of and in the course of their employment to you, or in connection with any trade, business or profession; 3. Loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you in the course of the trip; 21

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

IM EN

4. Bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you or on behalf of you of: aircraft, hovercraft, watercraft, motorized vehicles, parachute, parasail, glider, firearms, fireworks, explosives, deadly weapons, or any racing activity; 5. Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting; 6. Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers; 7. Damages resulting from any fire, flood, wind, hail, waterleak, gas leak, explosion or other catastrophe; 8. Fraudulent, dishonest or criminal acts of you or any person authorised by you; 9. The consequences of any breach, violation or failure to perform any contractual undertakings or obligations, whether verbal or in writing; 10. Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or regulatory bodies; 11. Gambling, gaming, or betting of any kind; 12. Animals or pets belonging to you, or in your care, custody or control; 13. Expenses arise directly or indirectly from anything in the General Exclusions. Third Person means any individual, natural person, or other legal entity or person, other than you or a related third person. Related Third Person means your relative, your traveling companion, your traveling companion’s relative, and any other person, individual or family member with whom you are residing or being hosted.

TERRORISM

SP EC

YOU ARE COVERED: 1. Eligible Medical Expenses for treatment of injuries and illnesses resulting from an Act of Terrorism, up to the limit set forth in the Schedule of Benefits and Limits, provided all of the following conditions are met.

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. The injury or illness does not result from the use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; 2. You have no direct or indirect involvement in the Act of Terrorism; 3. The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months immediately prior to your date of arrival; and 4. You have not failed to depart a country or location within 10 days following the date a warning to leave that country or location is issued by the United States government.

YOU ARE NOT COVERED IF: 1. Loss, damage, cost or expense directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss, damage, cost or expense: a. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; b. The use of any biological, chemical, cyber, radioactive or nuclear agent, material, device or weapon; however, this exclusion shall not apply where you are exposed to nuclear radioactive and/or radioactive material for the purpose of medical treatment; c. Any Act of Terrorism, not specifically covered above; 22

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

d. Coverage for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (a), (b) or (c) above; or e. Expenses arise directly or indirectly from anything in the General Exclusions. For the purpose of this insurance, 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 organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

IM EN

If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance, the burden of proving the contrary shall be upon you. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect. Cyber means the use or operations, as a means for inflicting harm, of any computer, computer software program, malicious code, computer virus or process or any other electronic system.

GENERAL EXCLUSIONS

Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

SP EC

1. Pre-existing Conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition, as herein defined, subject to the limits set forth in the Schedule of Benefits and Limits. 2. Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions. 3. Mental health disorders. 4. Pregnancy except as covered under Complications of Pregnancy, as herein defined, termination of pregnancy except in connection with covered Complications of Pregnancy, all charges related to pregnancy after the 26th week of pregnancy, routine prenatal care, child birth, postnatal care, and charges incurred by a child under the age of 14 days. 5. Impotency or sexual dysfunction. 6. All sexually transmitted diseases and conditions. 7. HIV, AIDS, or ARC, and all diseases caused by and/or related to HIV. 8. All forms of cancer / neoplasm. 9. Substance abuse or addiction or conditions that may be attributed to substance abuse or addictions and direct consequences thereof. 10. Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and atrophic conditions of skin, nevus. 11. Sleep apnea or other sleep disorders. 12. Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal bypass surgery. 13. Self-inflicted injury or illness and/or suicide or attempted suicide whether sane or insane. 14. Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse. 15. Injury sustained while operating any motorized vehicle, aircraft or watercraft whether registered or not while under the influence of alcohol as defined under the law of the jurisdiction where the injury occurs or with a .08 Blood Alcohol Content (BAC), whichever is lower. 23

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

SP EC

IM EN

16. Routine medical examinations, including but not limited to vaccinations, immunizations, annual checkups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel. 17. Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of acute onset of pain. 18. Promotion or prevention of conception including but not limited to: artificial insemination, treatment for infertility, sterilization or reversal of sterilization. 19. Organ or tissue transplants or related services. 20. Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct nearsightedness, farsightedness or astigmatism. 21. Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental appliances, and all vision and hearing tests and examinations. 22. Orthoptics and visual eye training. 23. Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails. 24. Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed. 25. Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesiotherapy. 26. Psychometric, intelligence, competency, behavioral and educational testing. 27. Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related to and follows a surgery which was covered hereunder. 28. Modifications of the physical body intended to improve the psychological, mental or emotional wellbeing, including but not limited to sex-change surgery. 29. Exercise programs, whether or not prescribed or recommended by a physician. 30. Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s). 31. Cryo preservation and implantation or re-implantation of living cells. 32. Genetic or predictive testing. 33. Investigational, experimental or for research purposes. 34. While confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment in any establishment for the care of the aged, except rehabilitative care received upon direct transfer from an acute care hospital. 35. Not medically necessary. 36. Not administered by or under the supervision of a physician, and products that can be purchased without a doctor's prescription. 37. Provided by a relative, family member or any person who ordinarily resides with you. 38. Provided at no cost to you. 39. Telephone consultations or failure to keep a scheduled appointment. 40. Payable under any government system, including the Australian Medicare system. 41. Charges exceeding usual, reasonable and customary. 42. Charges resulting from or occurring during the commission of a violation of law, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations. 43. Charges resulting from a disease outbreak in a country or location for which the U.S. Centers for Disease Control and Prevention (CDC) has issued a Level 3 Travel Warning if a) the warning has been in effect within the 6 months immediately prior to your date of arrival, or b) within 10 days following the date the warning is issued you have failed to depart the country or location. 44. War, military action or while on duty as a member of a police or military force unit.

24

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

45. Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, Emergency Reunion, Natural Disaster, Return of Minor Children, Political Evacuation, and Trip Interruption sections of this insurance. 46. Incurred outside your certificate period. 47. Submitted to us for payment more than 60 days after the last day of the certificate period. 48. When departure from the home country is to obtain treatment in the destination country/countries. 49. Complications or consequences of a treatment or condition not covered hereunder. 50. Not included as Eligible Expenses as described herein.

IM EN

DEFINITIONS Accident means a sudden, unintentional and unexpected occurrence caused by external, visible means and resulting in physical injury to you. The cause or one of the causes of such accident is external to your own body and occurs beyond your control. Accidental Death means a sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in physical injury to you and your subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease. Accidental Dismemberment means a sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight.

SP EC

Acute Onset of Pain (Emergency Dental) means a sudden and unexpected occurrence of pain which occurs spontaneously and without advance warning, either in the form of physician or dentist recommendation or symptoms, including pain, which would have caused a prudent person to seek medical or dental attention prior to the onset of pain. Treatment must be obtained within 24 hours of the sudden and unexpected occurrence of pain.

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date. Beneficiary means the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit. If you do not designate a beneficiary on the application, the beneficiary is automatically as follows: Members age 18 or older: 1. Spouse (if any), 2. Children (if any) equally, 3. Your estate. Members under age 18: 1. Custodial Parent(s) (if any), 2. Siblings (if any) equally, 3. Your estate.

Certificate means the document issued to you that provides evidence of benefits payable under the Master Policy and that will confirm the plan type, period of cover, home country, certificate number, special terms and/or conditions, deductible, chosen benefit list, and geographical area of cover. Certificate Period means the period of time beginning on the date and time of the certificate effective date and ending on the date and time of the certificate termination date. The maximum certificate period is 364 days. 25

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits. Common Carrier means an airplane, bus, train or watercraft operating for commercial purposes and carrying fare-paying passengers on regularly scheduled and published routes. Complications of Pregnancy means illnesses whose diagnoses are distinct from pregnancy, but are adversely affected by pregnancy or caused by pregnancy and not associated with a normal pregnancy. This includes: ectopic pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity. Complications of Pregnancy does not include: false labor, edema, prolonged labor, prescribed rest during the period of pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult pregnancy, and not constituting a medically distinct condition.

IM EN

Crisis Response Fees and Expenses means all fees and expenses of Unity Resources Group related to your kidnapping or express kidnapping. Custodial Care means that type of care or service, wherever furnished and by whatever name called, that is designed primarily to assist you in performing the activities of daily living. Custodial care also includes non-acute care for the comatose, semi-comatose, paralyzed or mentally incompetent patients. Cyber means the use or operations, as a means for inflicting harm, of any computer, computer software program, malicious code, computer virus or process or any other electronic system. Deductible means the dollar amount of eligible expenses, specified in the Schedule of Benefits and Limits that you must pay per certificate period before eligible expenses are paid. Displaced means required to depart a destination due to an evacuation ordered by prevailing authorities. Durable Medical Equipment means a standard basic hospital bed and/or a standard basic wheelchair.

SP EC

Educational or Rehabilitative Care means care for restoration (by education or training) of one’s ability to function in a normal or near normal manner following an illness or injury. This type of care includes, but is not limited to, vocational or occupational therapy and speech therapy. Emergency means a medical condition manifesting itself by acute signs or symptoms which could reasonably result in placing your life or limb in danger if medical attention is not provided within 24 hours.

Express Kidnapping means the actual or attempted abduction and holding of you against your will where your personal belongings and/or readily available assets are surrendered by you in exchange for your release.

Extended Care Facility means an institution, or a distinct part of an institution, which is licensed as a hospital, extended care facility or rehabilitation facility by the state in which it operates; and is regularly engaged in providing 24-hour skilled nursing care under the regular supervision of a physician and the direct supervision of a registered nurse; and maintains a daily record on each patient; and provides each patient with a planned program of observation prescribed by a physician; and provides each patient with active treatment of an illness or injury. Extended care facility does not include a facility primarily for rest, the aged, substance abuse treatment, custodial care, nursing care or for care of mental health disorders or the mentally incompetent. Home Country means the country where you principally reside and receive regular mail. U.S. Citizens are not eligible for coverage within the U.S., except as provided under home country coverage, regardless of the location of your principal residence.

Home Health Care Agency means a public or private agency or one of its subdivisions, which operates pursuant to law and is regularly engaged in providing home nursing care under the supervision of a registered nurse, and maintains a daily record on each patient, and provides each patient with a planned program of observation and treatment by a physician. Home Nursing Care means services provided by a home health care agency and supervised by a registered nurse, which are directed toward the personal care of a patient, provided always that such care is provided in lieu of medically necessary inpatient care in a hospital. 26

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Hospital means an institution which operates as a hospital pursuant to law, and is licensed by the state or country in which it operates; and operates primarily for the reception, care and treatment of sick or injured persons as inpatients; and provides 24-hour nursing service by registered nurses on duty or call; and has a staff of one or more physicians available at all times; and provides organized facilities and equipment for diagnosis and treatment of acute medical conditions on its premises; and is not primarily a rehabilitation facility, long-term care facility, extended care facility, nursing, rest, custodial care or convalescent home, a place for the aged, drug addicts, alcoholics or runaways; or similar establishment. Illness means a sickness, disorder, illness, pathology, abnormality, ailment, disease or any other medical, physical or health condition. For purposes of this insurance, illness includes Complications of Pregnancy during the first 26 weeks of pregnancy. Illness does not include learning disabilities, attitudinal disorders or disciplinary problems.

IM EN

Injury means an unexpected and unforeseen harm to the body caused by an accident that requires medical treatment. Inpatient means a patient who occupies a hospital bed for more than 24 hours for medical treatment and whose admission was recommended by a physician. Insured Losses means covered losses and expenses consisting of the following: ransom, personal belongings, and/or crisis response fees and expenses. Intensive Care Unit means a cardiac care unit or other unit or area of a hospital that meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units. Investigational, Experimental or for Research Purposes means procedures, services or supplies that are by nature or composition, or are used or applied, in a way which deviates from generally accepted standards of current medical practice. Kidnapping means the actual, alleged, or attempted abduction and holding of you against your will by a person or persons who demand a ransom specifically from your assets in exchange for your release.

SP EC

Medically Necessary means a service or supply which is necessary and appropriate for the diagnosis or treatment of an illness or injury based on generally accepted current medical practice as determined by us. A service or supply will not be considered medically necessary if is provided only as a convenience to you or the provider, and/or is not appropriate for your diagnosis or symptoms, and/or exceeds in scope, duration or intensity that level of care which is needed to provide safe, adequate and appropriate diagnosis or treatment of an illness or injury.

Member means an individual who is covered under this insurance.

Mental Health Disorder means a mental or emotional disease or disorder which generally denotes a disease of the brain with predominant behavioral symptoms; or a disease of the mind or personality, evidenced by abnormal behavior; or a disorder of conduct evidenced by socially deviant behavior. Mental health disorders include: psychosis, depression, schizophrenia, bipolar affective disorder, and those psychiatric illnesses listed in the current edition of the diagnostic and Statistical Manual for Mental Disorders of the American Psychiatric Association. Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage. Natural disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where: 1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour period from the path forecast by a nationally recognized meteorological service 2. Or less than 72 hours advance notice of a potential landfall for a named storm exists. Outpatient means a member who receives medically necessary treatment by a physician for injury or illness that does not require overnight stay in a hospital.

Personal Belongings means monies and/or property of monetary value that are: 1. Being carried or transported by you when an express kidnapping or kidnapping first occurs; and 2. Are surrendered during the course of an express kidnapping or kidnapping. 27

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Physician means a Doctor of Medicine (MD), Doctor of Dental Surgery (DDS), Doctor of Dental Medicine (DDM), Doctor of Podiatry (DPM), Doctor of Osteopathy (DO), a licensed Physical Therapist or Physiotherapist, and a Doctor of Psychiatry (Psy.D) and a Doctor of Psychology (Ph.D.). Physician also includes a Certified Nurse Practitioner (CNP), Certified Registered Nurse Anesthetist (CRNA), Nurse Midwife or a Physician Assistant (PA) under the direction of a medical doctor. A physician must be currently licensed by the jurisdiction in which the services are provided, and the services must be within the scope of that license and covered under this Master Policy. Ransom means monies and/or other consideration of monetary value that are surrendered or to be surrendered by you or on your behalf to meet an express kidnapping or kidnapping demand. Related Third Person means your relative, your traveling companion, your traveling companion’s relative, and any other person, individual or family member with whom you are residing or being hosted.

IM EN

Relative means biological or step parent; biological or step child; current spouse; biological or stepsiblings; or parent, children, or sibling in law. Routine Physical Exam means and examination of the physical body by a physician for preventative or informative purposes only, and not for the diagnosis or treatment of any condition. Sexually Transmitted Diseases means diseases including but not limited to syphilis, gonorrhea, chlamydiosis, trichomoniasis, genital herpes, and Human Papillomavirus (HPV). Substance Abuse means alcohol, drug or chemical abuse, overuse or dependency.

Surgery or Surgical Procedure means an invasive diagnostic procedure or the treatment of illness or injury by manual or instrumental operations performed by a Physician while the patient is under general or local anesthesia. Third Person means any individual, natural person, or other legal entity or person, other than you or a related third person.

SP EC

Urgent Care Center means a U.S. medical facility separate from a hospital emergency department where ambulatory patients can be treated on a walk-in basis without an appointment and receive immediate, non-routine urgent care for an injury or illness presented on an episodic basis.

Usual, Reasonable and Customary means the lesser of the following:

1. One and a half times (150%) of the charges payable under the United States Medicare program, for claims incurred outside the PPO network within the U.S., or 2. Most common charge for similar services, medicines or supplies within the area in which the charge is incurred, so long as those charges are reasonable. What is defined as usual, reasonable and customary charges will be determined by us. In determining whether a charge is usual, reasonable and customary, we may consider one or more of the following factors: the level of skill, extent of training, and experience required to perform the procedure or service; the length of time required to perform the procedure or services as compared to the length of time required to perform other similar services; the severity or nature of the illness or injury being treated; the amount charged for the same or comparable services, medicines or supplies in the locality; the amount charged for the same or comparable services, medicines or supplies in other parts of the country; the cost to the provider of providing the service, medicine or supply; such other factors we, in the reasonable exercise of discretion, determine are appropriate.

You/Your means each insured person named in the certificate.

We/Us/Our means Tokio Marine HCC - Medical Insurance Services Group.

28

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

OPTIONAL ACCIDENTAL DEATH & DISMEMBERMENT BENEFIT RIDER Subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Accidental Death and Dismemberment benefit if elected by you and subject to the payment of premium and restrictions outlined below.

IM EN

Optional Accidental Death is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means resulting in your physical injury and subsequent death. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease. Optional Accidental Dismemberment is defined as: A sudden, unintentional and unexpected occurrence caused solely by external, visible means and resulting in complete severance from the body of one or more limbs or eyes and not contributed to by illness or disease. For purposes of the Accidental Death and Dismemberment benefit provided by this insurance, the term “limb” shall mean: the arm when the severance is at or above (toward the elbow) the wrist, or the leg when the severance is at or above (toward the knee) the ankle. Loss of eye(s) shall mean: complete, permanent, irrevocable loss of sight. YOU ARE COVERED: 1. Death – we will pay the amount indicated in the Schedule of Benefits to the beneficiary. 2. Loss of 2 or more limbs or eyes – we will pay you the amount indicated in the Schedule of Benefits. 3. Loss of 1 limb or eye – we will pay you the amount indicated in the Schedule of Benefits.

SP EC

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You must be at least age 18 and younger than age 70; and 2. The accident giving rise to the Optional Accidental Death or Dismemberment must be covered under this insurance; and 3. The accident giving rise to the accidental death must not be a common carrier accident; and 4. Death must occur within 30 days of the sudden, unintentional and unexpected occurrence and not be contributed to by illness or disease.

YOU ARE NOT COVERED IF: 1. Accidents or loss caused by or contributed to by any of the following: a. Terrorism, war or act of war, whether declared or undeclared. b. Your participation in a riot, insurrection or violent disorder. c. Your service in the armed forces of any country. d. Suicide or attempted suicide or self-inflicted injury, while sane or insane. e. The voluntary use of any chemical compound, poison or drug, unless used according to the directions of a physician. f. Committing or attempting to commit a felony. g. Sickness, mental health disorder, or pregnancy. h. As the result of intoxication as defined by the laws of the jurisdiction in which the accident occurred, whether directly or indirectly, i. Myocardial infarction or cerebrovascular accident (CVA / Stroke). j. Infection, except infection through a wound caused solely by an accident. k. Injury while riding, boarding, or alighting from an aircraft if you were operating the aircraft, learning to operate the aircraft, serving as a member of the aircraft crew, or if the aircraft was being used for any purpose other than passenger transportation. 29

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

l. Medical or surgical treatment for any of the above. m. Any non-covered sports activities. 2. Expenses arise directly or indirectly from anything in the General Exclusions. In no event will our payment under this benefit total more than the principal sum.

SP EC

IM EN

All other provisions of the Master Policy remain unchanged.

30

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

OPTIONAL CRISIS RESPONSE BENEFIT RIDER Subject to the Limits set forth in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Crisis Response benefit if elected by you and subject to the payment of premium and restrictions outlined below. YOU ARE COVERED: Ransom; and/or Crisis Response Fees and Expenses; and/or Personal Belongings; and/or Natural Disaster Evacuation

IM EN

1. 2. 3. 4.

KIDNAPPING AND EXPRESS KIDNAPPING

SP EC

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. Notification: Before surrendering a ransom, the person authorizing the surrender shall have notified or made every reasonable attempt to notify: a. The Federal Bureau of Investigation or local law enforcement agencies as soon as practicable bearing in mind the safety of the person(s) held or threatened; and b. Unity Resources Group via us. 2. The surrender of a ransom must not be: a. Carried by, transported by or otherwise in your possession at the time that an express kidnapping or kidnapping first occurs; or b. At the location where an express kidnapping or kidnapping first occurs, unless brought to such location for the sole purpose of conveying a previously communicated ransom demand. 3. Confidentiality: You must at all times use best efforts to ensure that knowledge of the existence of this insurance is restricted as far as possible.

YOU ARE NOT COVERED IF: 1. Any kidnapping or express kidnapping first occurs in Iraq, Afghanistan, Pakistan, Nigeria, Somalia, Venezuela or any country for which we are prohibited from transaction due to sanctions by the United States Department of the Treasury’s Office of Foreign Assets Control (OFAC). 2. Any express kidnapping or kidnapping is a result of fraudulent, dishonest or criminal act(s) by you or an authorized representative (whether acting alone or in collusion with others) unless the person authorizing the ransom payment had, prior to payment, made every reasonable attempt to determine that the ransom demand or threat was genuine. 3. Expenses arise directly or indirectly from anything in the General Exclusions.

Limits of Liability: 1. Certificate Period Aggregate: Our total liability for all insured losses shall not exceed the certificate period aggregate set forth herein. 2. In the event that you are covered by two or more policies issued by us covering insured losses arising from a kidnapping or express kidnapping, it is agreed that our aggregate liability for insured losses sustained by you shall not be cumulative and shall in no event exceed the largest amount available under any one of the policies

Valuation: We shall not be liable for more than the actual cash value of any consideration at the time of its surrender. If insured losses involve currency other than that of the United States of America, we shall not be liable for more than the United States Dollar equivalent of foreign currency based on the rate of exchange in the Wall Street Journal in effect on the day the monies are surrendered and/or expense incurred. 31

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

Crisis Response Fees and Expenses means all fees and expenses of Unity Resources Group related to your kidnapping or express kidnapping. Express Kidnapping means the actual or attempted abduction and holding of you against your will where your personal belongings and/or readily available assets are surrendered by you in exchange for your release. Kidnapping means the actual, alleged, or attempted abduction and holding of you against your will by a person or persons who demand a ransom specifically from your assets in exchange for your release. Insured Losses means covered losses and expenses consisting of the following: ransom, personal belongings, and/or crisis response fees and expenses.

IM EN

Personal Belongings means monies and/or property of monetary value that are: 3. Being carried or transported by you when an express kidnapping or kidnapping first occurs; and 4. Are surrendered during the course of an express kidnapping or kidnapping. Ransom means monies and/or other consideration of monetary value that are surrendered or to be surrendered by you or on your behalf to meet an express kidnapping or kidnapping demand.

NATURAL DISASTER EVACUATION

We will provide evacuation due to a natural disaster which makes your host country location uninhabitable. The method of transportation will be determined by us.

SP EC

YOU ARE COVERED: 1. Transportation to the nearest safe location; and 2. One-way economy airfare to return you to your home country following a Natural Disaster Evacuation; and 3. A maximum of three (3) days for reasonable lodging accommodations if you are delayed at the safe location and unable to depart to your home country.

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You cannot obtain commercial transportation to the nearest safe location within a time period: a. Enabling you to leave the host country in time to avert imminent bodily harm; or b. Complying with the time allowed to leave the host country pursuant to the orders of the recognized government of that host country; or c. Officials of the host country or the U.S. Embassy, have issued, for reasons due to the Natural Disaster situation, a recommendation that the categories of persons which include you should leave the host country; or 2. Your location in the host country is deemed uninhabitable by us. 3. You must contact us as soon as possible after your host country issues the official disaster declaration; and 4. Travel arrangements are approved in advance and coordinated by us.

YOU ARE NOT COVERED IF: 1. You are able to leave your host country by normal means, such as changing a commercial airline ticket; we will assist in rebooking flights or other transportation. Such expenses for non-emergency transportation are your responsibility. 2. Expenses are directly or indirectly from anything in the General Exclusions. The timeliness of arrangements can be affected by circumstances which are not within our control such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other acts of 32

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

God. We shall not be held liable for any delays that are not within our direct and immediate control, or your failure to comply with our recommendations, or where rendering of service is prohibited by local laws or regulatory agencies. If evacuation becomes impractical due to hostile or dangerous conditions, we will maintain contact with and advise you until evacuation becomes viable or the natural disaster situation has been resolved. We shall be under no obligation to provide the services to you, who in our sole opinion, are located in areas that represent conditions in which providing services is impossible, including without limitation geographical remoteness, war (declared or undeclared), civil or other hostilities or political unrest.

IM EN

Host Country means the country which you have traveled to and which is not your home country. Imminent Bodily Harm means the existence of any condition or circumstance, which cannot be avoided through reasonable precautionary measures, and could be expected to cause death or serious physical harm to you, if you were to remain in the affected area where the natural disaster event has occurred. Natural Disaster means an event of natural cause, including wildfire, earthquake, windborne dust or sand, volcanic eruption, tsunami, snow, rain or wind, that results in widespread and severe damage. Natural disaster does not include the direct or indirect effect of rain, wind or water associated with named storms meeting the definition of hurricane or typhoon, except in instances where: 1. The path of the named storm deviates by a distance of greater than 200 miles within a 72-hour period from the path forecast by a nationally recognized meteorological service 2. Or less than 72 hours advance notice of a potential landfall for a named storm exists. Uninhabitable means your host country location is deemed unfit for residence, as determined by us in accordance with U.S. and local authorities, due to lack of habitable shelter, food, heat and/or potable water AND no suitable supplemental housing is available within 100 miles of the disaster site.

SP EC

All other provisions of the Master Policy remain unchanged.

33

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

OPTIONAL PERSONAL LIABILITY BENEFIT RIDER Subject to the Limits set in the Schedule of Benefits and subject to the conditions and restrictions contained in this policy, we will pay the following Optional Personal Liability benefit if elected by you and subject to the payment of premium and restrictions outlined below.

IM EN

YOU ARE COVERED: Up to the sum insured shown in the Schedule of Benefits and Limits (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of: 1. Accidental bodily injury, including death, illness and disease to a third person; and/or 2. Accidental loss of or damage to a third person’s material property (property that is both material and tangible); and/or 3. Accidental loss of or damage to a related third person’s material property (property that is both material and tangible).

SP EC

YOU ARE NOT COVERED unless you fulfill the following conditions: 1. You or your legal representatives will give us written notice immediately if you have received notice of any prosecution or inquest in connection with any circumstances which may give rise to liability under this section. 2. No admission, offer, promise, payment or indemnity shall be made by or on behalf of you without our prior written consent. 3. Every claim notice, letter, writ or process or other document served on you shall be forwarded to us and immediately upon receipt. 4. We shall be entitled to take over and conduct in your name the defense or settlement of any claim or to prosecute in your name for our own benefit any claim for indemnity or damages against all other parties or persons. 5. We may at any time pay you in connection with any claim or series of claims the sum insured (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made we shall relinquish the conduct and control and be under no further liability in connection with such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such payment. 6. We will consider paying or advancing, but without any obligation or contractual duty to do so, up to $2,500 to you or for your benefit to settle and compromise an asserted claim against you so long as: a. The asserted claim is one that may be eligible for coverage under this insurance; b. A lawsuit has not yet been filed, or, if already filed, no response has been filed; c. You obtain a full written release and/or covenant-not-to-sue satisfactory to us; and d. A full proof of claim and other necessary documentation is satisfactorily provided to us.

YOU ARE NOT COVERED FOR: 1. Intentionally committed acts, or arising from the influence of alcohol or drugs not medically prescribed by a licensed physician; 2. Bodily injury, illness or disease of any person under a contract of employment, service or apprenticeship with you when the bodily injury, illness or disease arises out of and in the course of their employment to you, or in connection with any trade, business or profession; 3. Loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you in the course of the trip; 4. Bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you or on behalf of you of: aircraft, hovercraft, watercraft, motorized vehicles, parachute, parasail, glider, firearms, fireworks, explosives, deadly weapons, or any racing activity; 34

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

IM EN

5. Any damages, losses or claims caused in whole or in part by you during any hunt or as a result of hunting; 6. Bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers; 7. Damages resulting from any fire, flood, wind, hail, waterleak, gas leak, explosion or other catastrophe; 8. Fraudulent, dishonest or criminal acts of you or any person authorised by you; 9. The consequences of any breach, violation or failure to perform any contractual undertakings or obligations, whether verbal or in writing; 10. Punitive or exemplary damages, or fines, penalties, assessments or claims by any governmental authorities or regulatory bodies; 11. Gambling, gaming, or betting of any kind; 12. Animals or pets belonging to you, or in your care, custody or control; and 13. Expenses arise directly or indirectly from anything in the General Exclusions.

SP EC

All other provisions of the Master Policy remain unchanged.

35

Atlas Travel Description of Coverage | Tokio Marine HCC - MIS Group

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Atlas Travel - HCC Medical Insurance Services

IM EN Medical Insurance Services Group 251 North Illinois Street, Suite 600, Indianapolis, IN, 46204 USA Tel: 317-262-2132 Fax: 317-262-2140 Toll Fre...

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