MEDICAL CERTAINTY WITHIN YOUR REACH

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1 For sales enquiries, please contact: Phone: MEDICAL CERTAINTY WITHIN YOUR REACH Best Doctors Canada Insurance Services 145 King Street West Suite 00 Toronto ON M5H 1J8 bdcanadainsurance.com Copyright 2013 Best Doctors Canada Insurance Services Inc. All rights reserved. Underwritten by certain underwriters at Lloyd s.

2 AN INSURANCE PLAN THAT GIVES YOU GREATER CONFIDENCE AND MORE OPTIONS. Your Health. Your Choice. ACCESS TO THE HIGHEST QUALITY MEDICAL CARE AND ADVICE, NO MATTER WHERE IT S LOCATED. Best Doctors Global Medical Care (GMC) expands your health care options by providing you with access to medical experts around the world to ensure you get the right diagnosis and are pursuing the most promising treatment options. In addition to comprehensive insurance, GMC includes Best Doctors patented InterConsultation service, which provides you with an expert review of your medical condition whenever you need one. For over 20 years, Best Doctors has been working with leading medical experts and institutions around the world, helping more than 30 million people in 0 countries expand their health care choices and get the very best medical care and advice. WHAT BEST DOCTORS OFFERS THAT OTHER PLANS DON T. Access to the most advanced treatment and care, regardless of where it s located. MRIs and CT scans in just days, rather than the weeks or months that Canadians often have to wait. Procedures such as hip and knee surgery without the prolonged waiting periods faced by many Canadians. Access to prescription drugs that are not approved in Canada, when those drugs are part of a treatment plan and are administered outside of Canada. Care at world-renowned centres of excellence outside of Canada, including Dana-Farber Cancer Institute, Cedars- Sinai, Stanford Hospital and MD Anderson Cancer Center. Expert medical reviews to ensure your diagnosis is correct and that you are pursuing the most promising treatment options. A global database of over 53,000 medical specialists who have been recognized by their peers as leaders in their fields. Elite Navigator service, which helps you manage your medical care. Optional Concierge service for assistance with hotels, travel, medical appointments, and translation services when pursuing care away from home. International Recognition BEST DOCTORS ENABLES YOU TO RECEIVE CARE FROM THE WORLD S BEST PHYSICIANS. Best Doctors has received worldwide media coverage, gaining high praise for our unique health care vision, our commitment to patients and our innovative achievements.

3 MEDICAL CERTAINTY WHEN YOU NEED IT MOST Confidence. Trust. Experience. AVAILABLE THROUGH PERSONAL AND CORPORATE POLICIES, GMC OFFERS A UNIQUE INSURANCE PLAN THAT ENABLES YOU TO RECEIVE MEDICAL CARE FROM LEADING PHYSICIANS WORLDWIDE. DESIGNED TO COMPLEMENT PROVINCIAL, CRITICAL ILLNESS AND/OR EMPLOYEE HEALTH PLANS, BEST DOCTORS INSURANCE ENSURES THAT YOUR HEALTH CARE NEEDS AND COSTS ARE COVERED ANY PLACE, ANY TIME.

4 MEDICAL CERTAINTY WITHIN YOUR REACH A REPUTATION BUILT ON Medical Leadership. HOW WE CHOOSE OUR SPECIALISTS Since 1992, Best Doctors has undertaken the largest continuous physician survey of the medical profession to identify those specialists considered to be the most highly skilled in their fields. Best Doctors uses a Gallup-certified polling methodology that employs qualitative and quantitative research to yield the most accurate and reliable results. In addition to the physician survey, additional criteria that we utilize include the specialists publication history, academic standing and participation in thought leadership activities. Physicians are also removed from our database when they no longer meet our rigorous criteria. Physicians cannot pay to be included in our database and Best Doctors does not pay physicians to participate in the polling process. The outcome of the Best Doctors poll is a database of over 53,000 leading physicians worldwide, in more than 450 specialties and subspecialties of medicine. Greater Certainty. More Control. BEST DOCTORS GMC PLANS OFFER MEDICAL EXCELLENCE AND THE CERTAINTY YOU SEEK. BEST DOCTORS WAS FOUNDED IN 1989 BY HARVARD MEDICAL SCHOOL PHYSICIANS AND CONTINUES TO FOCUS ON PROVIDING ITS MEMBERS WITH ACCESS TO THE VERY BEST MEDICAL CARE. EXCEPTIONAL PROTECTION AND CARE Best Doctors distinctive approach provides you with the confidence that your diagnosis is correct and your treatment is what s best for your specific condition. Our vision and operations are guided by highly accomplished Medical Directors. As leaders in healthcare, we actively participate in initiatives that explore industry frontiers and provide the most appropriate medical coverage. This ensures that we keep our promise to offer the best service, the best products and the best medical outcomes. A GLOBAL MEDICAL COMMUNITY LIKE NO OTHER Best Doctors has established a global community of more than 53,000 medical specialists whose peers consider them to be among the best in their fields. Through this valuable, unequaled resource, you have access to leading experts in over 450 specialties and subspecialties worldwide. In addition, your GMC policy enables you to receive care from leading physicians outside of the Best Doctors network. The choice is yours. PERSONAL AND CORPORATE PLANS Best Doctors offers a wide range of personal and corporate plans carefully designed to meet your specific needs. You can see a specialist, undergo tests and scans, have surgery or begin treatment without extended delays. Our benefits include coverage for: Semi-Private Room Intensive Care Unit/Life Support Inpatient and Outpatient Surgery Emergency Room Diagnostic Services Cancer Treatment Dialysis Maternity Benefit Inclusion of Newborn Transplants Physical Therapy and Rehabilitation Durable Medical Equipment Prescription/Life Sustaining Drugs Congenital Conditions Air Ambulance Ground Ambulance Repatriation InterConsultation expert medical review service, Elite Navigator health care system assistance, and optional Concierge service. PERSONALIZED CONCIERGE SERVICES Should you choose to receive your care outside of Canada, our optional Concierge service can help you coordinate hotel bookings, travel arrangements, medical appointments and translation services. ELITE NAVIGATOR LIKE HAVING YOUR OWN PERSONAL NURSE GMC also includes Elite Navigator a unique service that connects you to your own Best Doctors Clinical Team. With a simple phone call, your personal Member Advocate (who is a Registered Nurse) will answer your health questions, create a personalized wellness program, help you understand lab tests and results, empower you to have effective conversations with your treating physician, and provide one-on-one support to help you navigate the health care system. Our Customer Care Centre is open Monday to Friday, helping you file claims, answering your questions and assisting with your medical care.

5 MEDICAL CERTAINTY THROUGH A UNIQUE PROCESS DID YOU KNOW? InterConsultation Helping You Get The Right Diagnosis And Treatment. When you re facing a medical challenge, you need to be certain you have the right diagnosis and treatment plan. That s why GMC includes our patented Best Doctors InterConsultation service. When you need to be absolutely sure, Best Doctors experts will collect and review your medical records, including imaging scans, X-rays, and test results. When pathology samples are part of your case, these samples will be retested at a centre of excellence to confirm the accuracy of your original diagnosis. You will receive a written summary of our findings, including a diagnosis and treatment recommendations from a leading specialist, which you can share with your physician. In 34% of the cases Best Doctors has reviewed, our specialists provided a change in diagnosis. In 68% of cases, they recommended a change in treatment plan. As a GMC policyholder, your policy includes access to our InterConsultation service, which you can use for a wide range of medical conditions, not only those covered by your policy. You can also use InterConsultation to obtain more information about a pre-existing medical condition. INTERCONSULTATION CASE During the 24th week of gestation, the Anderson family received unexpected health news regarding their unborn son s heart: he had a congenital condition called transposition of valves. The Andersons relied on the support of Best Doctors to confirm the most appropriate treatment plan. We contacted Best Doctors Insurance to request the InterConsultation service. A few hours later, a representative contacted us to begin the process of collecting our son s medical records. We also requested access to a specialist in our son s condition 48 hours later we were consulting with a top pediatrician in the United States. If it weren t for the diagnosis during the pregnancy, our baby would not have had the same treatment options. Best Doctors Insurance offered us the support we needed to quickly secure the best care for our baby. It was a miracle that he was born and that he made it through the catheterization. Thank you Best Doctors Insurance, from the bottom of our hearts. Real testimonial from a Best Doctors Insurance customer who has not been remunerated. Names and images have been changed to protect the customer s privacy. InterConsultation Results % ORTHOPAEDIC SURGERY % CALL BECAUSE SYMPTOMS ARE NOT IMPROVING 68% CHANGE IN TREATMENT 34% CHANGE IN DIAGNOSIS Absolute Certainty With Unique Benefits. TOP 10 CONDITIONS FOR WHICH OUR MEMBERS REQUEST INTERCONSULTATION SERVICES* :: 18% Orthopaedic Surgery :: 8% Neurology :: % Physical Medicine and Rehabilitation :: % Medical Oncology and Hematology :: % Gastroenterology :: % Pediatric Specialist :: 5% Cardiovascular Disease :: 5% Obstetrics and Gynecology :: 4% Rheumatology :: 4% Urology REASONS WHY MEMBERS USE OUR INTERCONSULTATION SERVICE* :: 32% Symptoms not improving :: 30% Questioning need for surgery :: 11% No diagnosis :: 10% Don t understand diagnosis :: 9% Need help deciding among multiple treatments :: % Skeptical of their doctors OUTCOME OF INTERCONSULTATION REVIEWS* :: 68% Change in treatment plan :: 34% Change in diagnosis *Source: Best Doctors InterConsultation cases, 2012.

6 MAKE HEALTH CARE DECISIONS WITH CONFIDENCE How InterConsultation Works. Be Certain You re Making The Right Medical Decision. 1. You call Best Doctors Insurance in confidence. 2. A Member Advocate, who is a Registered Nurse, assumes responsibility for your case and documents your medical history during a one-on-one telephone intake session. 3. Best Doctors collects your medical records, diagnostic images and pathology specimens (which are retested at a centre of excellence). 4. A team of Harvard-trained physicians conducts an in-depth analysis of your case and creates a clinical summary. 5. Your case is matched to a Best Doctors expert who is a leading specialist in your medical condition. The expert reviews the clinical summary and all related case materials. 6. The Best Doctors expert provides diagnostic and treatment recommendations in a detailed report that you can share with your treating physician.. Best Doctors follows up to ensure your needs have been met and inquires about other ways we might help. Through InterConsultation, you have access to some of the world s best medical minds so you can be sure you have the right diagnosis and treatment plan. CONTACT BEST DOCTORS CANADA INSURANCE SERVICES TODAY. To find out more about Best Doctors Global Medical Care personal and corporate plans, please call us at or send an to insurance@bestdoctorscanada.com. Best Doctors Canada Insurance Services 145 King Street West Suite 00 Toronto ON M5H 1J8 bdcanadainsurance.com Complete definitions and limitations are found in the Master Policy. Best Doctors Global Medical Care is 100% underwritten by certain underwriters at Lloyd s. For the purpose of the Insurance Companies Act (Canada), this policy was issued in the course of Lloyd s Underwriters Insurance business in Canada. Best Doctors Canada Insurance Services is a Lloyd s Coverholder. Best Doctors, the Star-In-Cross logo, InterConsultation, Elite Navigator, Best Doctors Member Care Network and Best Doctors Global Medical Care are trademarks or registered trademarks of Best Doctors, Inc. in the United States of America, Canada, and in other nations, and licensed under agreement to Best Doctors Canada Insurance Services Inc. Lloyd s is authorized under the Financial Services and Markets Act 2000 (UK). Lloyd s underwriters are authorized under the Insurance Companies Act (Canada). Underwritten by certain underwriters at Lloyd s.