International Medical Group

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1 The International Insurance Market & International Medical Group

2 Overview Why International Insurance Why IMG Why IMG for the Producer Portfolio of Products Travel Insurance Programs Question and Answers

3 Why International Insurance

4 Why International Insurance

5 Overview Travel Concerns Injury and Illness Language g Currency Time Zones Healthcare Systems Does insurance travel with a client? Public / Government sponsored Private Self - Funded Third party endorsements U.S. Department of State World Health Organization at Schengen Countries

6 Travel concerns injury & illness World Health Organization -

7 Does insurance travel with a client? Medicare -

8 Does insurance travel with a client? excludes, Expenses incurred outside of the United States, except for expenses incurred for emergency treatment of a covered person; Further our policy excludes air ambulance services, No benefits will be paid for air ambulance outside of the 50 United States Our policy defines emergency as an unforeseen or sudden medical conditions manifesting itself by acute signs or symptoms which could reasonably result in death or serious disability if medical attention is not provided within 24 hours These two exclusions clearly make your plans the better option for a consumer traveling outside of the US. Sample of domestic individual certificate

9 Does insurance travel with a client? Non-covered services Average Cost: Medical Evacuation - $10,000 to $100,000+ Political Evacuation - $1,000 to $10,000 Repatriation - $6,000 to $50,000 Return of Mortal Remains - $1,000 to $5,000+ Reunion - $4,000 to $10,000+ Returning of Minor Children - $500 to $2,000 MASA -Medical Air Services Association

10 Does insurance travel with a client? ASSISTANCE ABROAD The Consular Section can provide updated information on the security situation in a country. If you are ill or injured, contact the nearest U.S. embassy or consulate for a list of local physicians and medical facilities. If you request, consular officers will help you contact family or friends. If necessary, a consul can assist in the transfer of funds from family or friends in the United States. Payment of hospital and other medical expenses is your responsibility. Should you find yourself in legal difficulty, contact a consular officer immediately. Consular officers cannot serve as attorneys, give legal advice, or get you out of jail.. If you are arrested, consular officials will visit you, advise you of your rights under local laws, provide a list of local attorneys who speak English and who may have had experience in representing U.S. citizens, and ensure that you are held under humane conditions and are treated fairly under local law. A consular officer will contact your family or friends if you desire. When necessary, consuls can transfer money from home for you and will try to get relief for you, including food and clothing in countries where this is a problem. If you are detained, remember that under international treaties and customary international law, you have the right to talk to the U.S. consul. If you are denied this right, be politely persistent. Try to have someone get in touch for you. U.S. Department of State -

11 Third Party Endorsements Schengen Visa Visa members: Schengen Visa requirements: Tourist Visa Austria 1. Germany A valid passport or Travel document Belgium 2. Denmark A valid Alien Resident Card or a visa to the U.S. (except for B1/B2) 3. Finland Bank credit card statements for the last 3 months 4. W-2 forms for the last 2 years France 5. Official itinerary with closed dates of travel 6. Greece Health Insurance stating that you are covered in case of a medical Iceland Italy emergency in the Schengen States for a minimum coverage of Luxemburg $30,000 Euros = $42,842 US (6/2/09). Norway Portugal submit a letter from the bank that you do business with, stating that the company is in good standing Spain Sweden The Netherlands *** Please make sure that your passport will be valid for at least three (3) months after the date you exit the Schengen States 7. Reference letter from employer stating position and monthly or annual salary. If you have your own company, you must 8. Hotel reservations or proof of participation in group travel. If you are invited by a friend or family member you have to submit: a letter of invitation, that is an affidavit signed by the friend or family member who is inviting you and notarized by the appropriate Authorities of the country in question, concerning your lodging. If you are travelling on business you must submit business references. 9. A completed and signed visa application form 10. One color photograph (2x2 inches) (Please note that the picture must be glued on the application form. Any photographs that are stapled will result in that application not being accepted)

12 Are people traveling - United States? United States Inbound and Outbound Travel Statistics ,661, ,520, ,260, ,157, ,056, Year-to-Date 2008 Outbound Inbound U.S. S Travel Year 40,026, to Date 58,029,715 U.S. Gov t. Office of Travel & Tourism Statistics Office of Travel & Tourism -

13 Who Buys International Insurance Vacationers Governmental Entities Missionaries Trade Associations Church Groups Multi-national Companies Non-profit Organizations Relocation Companies Foreign Exchange Programs Employment Contracts Overseas Universities International Chambers of Maritime Commerce Executives / International Sales International Adoption Agencies

14 Why IMG

15 An Experienced Plan Administrator Worldwide leader in designing, distributing, and administering global health care benefits. One Stop Shop for the producer s international coverage Full-service approach serving over a million people worldwide in over 170 countries Over 200 Dedicated Professionals Multilingual customer service professionals Devoted claims administrators process tens of thousands of claims each year from around the world On-site medical staff available 24/7/365 for emergencies In-house, fully owned and operated service divisions Leading-edge Technology Online sales and business management Online client service MyIMG SM

16 An Experienced Plan Administrator Strength & Financial Stability Sirius International Insurance Corporation Part of White Mountains Insurance Group Ltd Rated A (A.M. Best); A- (Standard & Poor s) The Group ranks among the top insurance and reinsurance organizations in the world

17 Online Client Service - MyIMG SM Features of MyIMG include 24 hour secure access Access International Provider Access SM (IPA) Access U.S. PPO network Immediate claim status check Initiate precertification Renew coverage Access plan wordings and supporting documents Print or request ID cards View accumulators Access Live Chat with Customer Care Receive and view announcements View frequently asked questions Update contact information

18 Provider Accessibility Open provider access Any doctor, anywhere International Provider Access 16,000+ providers & facilities outside of the U.S. Ability to search by facility, physician, specialty, dentist or location Direct billing PPO discounts throughout h t Latin America & the Caribbean U.S. PPO 500,000 highly qualified physicians 4,700 privately owned and operated hospitals Includes 67% of all the hospitals in the U.S. Includes well-known university medical centers and transplant facilities

19 Why IMG for the Producer

20 Training Producer Kit Producer Guide Product Guide Newsletters Website Webinars

21 Internet Services Producer Area Check on producer production and sub-producer s production Update information Order supplies Access to Virtual Agency link to recruit sub-producers Provides online sales, service and marketing support Open Q & A Forum

22 Internet Services Customized Material Product links and images Personalized brochures and marketing flyers Online application with customized branding Customizable Website content

23 Marketing Support Account Managers Assist with the marketing service needs of producers Account Executives Assist with the development of producers and their marketing efforts Missionary, Marine and Employer Group Specialists Assist producers in the development of these unique markets Internet Account Executives Assist producers with Website development and online marketing

24 Compensation & Incentives Competitive [ ] Commissions Allows for multiple-tiers tiers

25 Compensation & Incentives For those producers who offer IMG as the exclusive provider of international health insurance on their Website [ ] 2010: IMG Rewards Program Earn points based upon the number of entries in Sales Contest Five levels - Bronze, Silver, Gold, Platinum and Platinum Elite Each level provides added incentives 2010: IMG YourShare -earn free commission and build a new network of clients

26 Markets Short-Term Long-Term Group Travel Insurance Designed for individuals or groups traveling outside their Designed home country for international that need citizens medical that protection are looking on a for an individual, temporary annually basis. Designed for employers renewable with major internationally medical program assigned that eliminates employees i the obstacles of time, Designed currency to across help countries, time zones, cultures and protect language. a client from losing money & they have healthcare invested systems. in their travel in the event of an unforeseen circumstance that prevents them from traveling.

27 Complete Product Portfolio

28 Patriot Series of Programs

29 Patriot Exchange Program SM Patriot Group Exchange Program SM Patriot Exchange is designed for students studying abroad or participants of cultural exchange programs Meets J1 visa requirements No lifetime maximums on Basic or Standard Short-Term plan Renewable Three coverage areas Non-U.S. Citizens: worldwide coverage except home country U.S. Citizens: worldwide coverage except U.S. Europe to Europe travel only

30 Global Medical Insurance (GMI) A long-term, annually renewable, U.S.-style major medical insurance plan designed for U.S citizens living abroad or foreign nationals throughout the world Three plan options Silver, Gold, Platinum which are all medically underwritten 2 coverage areas Worldwide and Worldwide Excluding the US and Canada

31 GEOSM Group The Global Employer s OptionSM Employer sponsored international employee group medical plan that provides U.S.-style group medical insurance for two or more employees working abroad for U.S. or non-u.s. organizations

32 Travel Insurance Programs To help protect your clients from losing money they ve spent on travel plans, there s the Patriot T.R.I.P series. These programs provide benefits for those unforeseen circumstances that may force the cancellation or interruption of your clients covered trips.

33 Other Products Available International School Faculty Missionaries Marine Captains and Crew

34 Contact Information Local number: IMG Marketing toll-free: English: Spanish: , ext.1730 Fax number:

35 Questions and Answers

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