Contents. Global Family Insurance 3. Why choose Expat & Co? 4. 5 modules, 2 options 5. Individual Modules 6-8. Options 9

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2 Contents Global Family Insurance 3 Why choose Expat & Co? 4 5 modules, 2 options 5 Individual Modules 6-8 Options 9 How to take out your insurance 10 What to do in case of a claim 11 Contact 12 2

3 Global Family Insurance Your family members are the most important people in your life. There is nothing you wouldn t do to keep them safe and in the very best of health. Travelling for work, study or leisure, your family will most likely be joining you. Whether your journeys keep you close or find you exploring far-flung locations, you want to be safe in the knowledge that no matter where you travel, you and your family will be taken care of. Just like you would be at home... Expat & Co introduces Global Family Insurance; the flexible, comprehensive healthcare and lifestyle insurance that will travel with you wherever you go. What makes us so very different from the rest you might ask? Expat & Co s insurance policies have been developed to travel with you, wherever you go. Health care, with or without social security, expat assistance, private liability, life insurance, household goods and more. Our guaranties are designed to fit your personal and professional needs. And best of all, your policy comes with you when you relocate and adapts to the new environment and social security. So there s no need to start the whole administrative process all over again in your new country of residence. So although we can t help you find your new home or decide on the best school for the kids, we can help you ensure your insurance is always set for premium coverage at the best possible price, wherever you go. 3

4 Why choose Expat & Co? Expat & Co is the specialist underwriter of insurance for expats, international students and other globally mobile people. We offer some of the best terms on the market at competitive prices and have experience on our side. Expat & Co insures private individuals as well as multinationals. We have lived the expat life ourselves and know how different you are, how individual your needs can be. So why not find out what makes Expat & Co your perfect match? Insurance suddenly becomes as colourful as you are. About Global Family Insurance - GFI Global Family Insurance has been designed with expats and their accompanying family members in mind. Available in Basic and Comprehensive coverage, Global Family Insurance - GFI - incorporates all the important features in a simplified package and offers private insurance coverage at a lower cost. Based on our Chameleon Principle, GFI takes into account the local social security contributions you are already making and works as a top up coverage to the benefits you are already enjoying. By offering continuity in coverage (no matter what the local standards are) and by being transferable to any country in the world, our policy offers every security you could want for your family. Our only requirement is that you have a link to Europe. So whether you re a European national, live as a non-european in Europe, or work for a European company in- or outside of Europe, GFI was designed for you. 4

5 2 x 2 Versions Our Global Family Insurance comes in Basic and Comprehensive versions and Full Cover or Top-Up coverage. It covers all your needs without overlapping any social security you may already have. So whether you want Basic + Top Up or Basic + Full Cover or rather prefer the Comprehensive + Top Up or Comprehensive + Full Cover, we can offer you exactly the coverage you need. 5 Modules, 2 Options And as we like to make life easier, we ve broken GFI down into 5 bite-size modules and 2 additional options for you: Basic all the necessities Top-Up additional to European Social Security Health Funds Comprehensive more complete coverage Full Cover from 1st Module 1 Medical Treatment Costs* This part of GFI covers you for: hospitalisation costs; ambulatory treatment in case of accident or illness; medicines; dental care; dental surgery; vaccinations; and more... * including wintersports, under water sports and speleology (only in comprehensive version) Module 2 Assistance Abroad This module offers: visa information, vaccinations, health precautions, consular representation,...; referral service for doctors/hospitals; linguistic assistance in case of a claim; medical repatriation/evacuation; repatriation in case of natural disaster; early return in case of death of a family member; and more... Module 3 Accident* This bit offers you a lump sum in case of: permanent disability due to an accident; death by accident; * including wintersports, under water sports and speleology (only in comprehensive version) Module 4 Baggage & Household Goods We ve thought of the goods too: baggage and household contents, including: - photo, film, computer,...; - jewellery, watches; - (sun)glasses, frames; - ID and travel documents; - skis and other sports equipment; and more... Module 5 Extra Contractual Liability And just to make sure you re covered for absolutely any eventuality, we also cover you for: physical damage to third parties; material damage to third parties; OPTION 1 Travel Cancellation Option 1 in our GFI package will cover you in case your journey is cancelled or interrupted due to unforeseen circumstances. OPTION 2 Life Insurance Option 2 can be taken out additionally to your own life insurance in case it does not cover you in the countries you are travelling to. 5

6 5 Modules Module 1 - Medical Treatment Costs Basic Comprehensive Medical Treatment Costs * ** / year / year Hospitalization due to accident, illness 100% * 100% * Ambulatory treatment costs due to 100% * 100% * accident, illness Medicines 100% * 100% * Follow-up treatment after return to home country NO max. 6 months Extension of cover after return in home country possible when no max. 6 months max. 6 months right to social security Pregnancy and childbirth NO max (after a 1 year waiting period) Urgent dental care 400 / year max. 250 / claim 800 / year max. 250 / claim Yearly dental check-up NO 75 (after a 1 year waiting period) Dental surgery following an accident 100% * 100% * Mandatory vaccinations for the stay abroad (after a waiting period of 1 year) NO YES Preventative health care (after a 3 months waiting period) Urgent Transportation to hospital by ambulance, helicopter... 75% max. 250 / year Real Cost 75% max. 250 / year Real Cost Psychological help after trauma 3 visits 5 visits (*) Only non-private room and max. 365 consecutive days. YES YES (**) Including winter sports, under water sport and speleology. Optional YES Deductible / year for illness and preventative care

7 Module 2 - Assistance Abroad Basic Comprehensive Information regarding visa, vaccinations, health precautions, consular YES YES representations, climate.. Referral service concerning hospitals/doctors in host country YES YES Linguistic assistance in case of a covered claim YES YES Medical Repatriation/evacuation (including return ticket) Real Cost Real Cost Repatriation in case of assault / terrorism act / natural disaster Real Cost Real Cost Transport of the mortal remains to the place chosen by the Real Cost Real Cost deceased s family Funeral costs (incl. laying-out costs and coffin) Early return in case of death of a family member ( ) round trip (economy) round trip (economy) Sending of a substitute ( ) NO YES Forwarding essential medications / medical applications / urgent Real Cost Real Cost messages Tracing & rescue Assistance in case of theft/loss of travel and ID-documents Real Cost Real Cost Legal assistance abroad - advance of security deposit ( ) Travel and accommodation expenses limited to Accommodation: max. 75 per person / day, Tickets: Economy class max Accommodation: max. 75 per person / day, Tickets: Economy class max Module 3 - Accidents *** Basic Comprehensive Permanent disability due to an accident Death by accident (***) Including winter sport, under water sport and speleology Optional YES Income protection for the family members of the insured taken into hostage > 90 days NO max over 3 years 7

8 Module 4 - Baggage & Household Basic Comprehensive Theft, loss and damage of baggage and household contents only baggage delay, ID and travel docs. theft, loss and damage Baggage Household contents Maxima per item: photo, film, video, sound and computer apparatus, per item, 500 including accessories jewellery, watches, per item 150 mobile telecommunication apparatus 150 (sun)glasses including frame, contact lenses 150 sport equipment (surfboards, skis, bicycles, etc ), per item, 250 including accessories musical instruments 250 tents 250 ID and travel documents purchase of essential clothing and toilet articles in case of a baggage delay of at least 1 night Deductible per claim: (except for baggage delay and ID and travel docs) 100 Module 5 - Extra Contractual Liability Private Life Basic Comprehensive Physical damages Material damages For the US and Canada: Physical and material damage (in all) Tenant Liability (not in US or Canada) included included Deductible per claim

9 2 Options OPTION 1 - Travel Cancellation / Interruption Basic Comprehensive Travel Cancellation / Interruption (max. per trip) Absolute annual limit per person (all included) Deductible per claim OPTION 2 - Life Insurance Basic Comprehensive In case life insurance of the insured does not cover visited max max countries 9

10 How to take out the insurance Taking out your Global Family Insurance policy couldn t be easier. Once you ve decided which options you would like to include and which type of coverage you d like to receive, fill out the form on our website and send it back to us by fax or . To receive personal advice on our modules and options or for your made-to-measure quote, please don t hesitate to contact us; we look forward to hearing from you. info@expatinsurance.eu 10

11 What to do if you need to claim If you find yourself needing to claim assistance, or if you are hospitalised, call or the Alarm Centre for immediate support. Tel: +32 (0) /7 24/7 or: (working hours) To get reimbursed for other (medical) expenses, we kindly ask you to complete and send us the according claim form to: Expat & Co, Claims Dept. Lange Haagstraat Dilbeek BELGIUM together with the ORIGINAL bills (no scans, no copies). All claim forms can be found on our website under claims. Please also note: travel tickets in case of an early return or repatriation must be bought with Underwriter s or Alarm Centre s pre-approval. You may run the risk of not being fully reimbursed if you buy the tickets first. Download and save a copy of our what to do in case of a claim manual : 11

12 In case of an emergency contact the Alarm Centre: Tel: +32 (0) /7 24/7 or: (office hours) In USA contact Network Manager Olympus before medical treatment: Tel: Expat & Co Lange Haagstraat Dilbeek Belgium Tel. +32 (0) Fax +32 (0) Reg. N FSMA13633A GFI 2014