Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew

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1 Distributed by: Protect your investment in Captains and Crew Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew Attract Qualified Professionals Reduce Crew Turnover Decrease Liability Exposure

2 Why Buy an International Group Benefit Program? As international yacht owners seek to compete for qualified crew members, the challenge of attracting and retaining such valuable personnel can only be met with a comprehensive international group benefit program. Safe Harbor Crew has been designed to fill this need and continues to follow MHG s mission to Protect the Yacht Owner s Investment in Captains and Crew. For all international yacht crew the challenge of obtaining quality, worldwide, comprehensive health coverage can be a frustrating exercise. Domestic programs provide insufficient coverage and benefits for the unique demands of the yachting profession. Safe Harbor Crew meets this challenge and is designed to cover international professional yacht crew, irrespective of nationality. It incorporates flexibility of plan design as well as simplicity of set up and administration. Safe Harbor Crew recognizes that international professional yacht crew have a unique lifestyle and this is reflected in the many benefits provided as well as in some of the other unique features of this program. This comprehensive program is loaded with important features including an Emergency Medical Evacuation benefit, coverage for SCUBA and Winter Sports, Vision, Maternity, Wellness as well as optional benefits such as Group Dental, Dependent Coverage, Accidental Death and Term Life. Safe Harbor Crew provides 24 hour protection and is primary coverage to each vessel's P & I, thereby assuring a prompt response to all eligible treatment claims. Eligibility - Safe Harbor Crew is designed for yachts employing a minimum of 3 crewmembers. The plan is available to crewmembers of all nationalities working full time aboard non-us registered vessels. Coverage can also extend to crew assigned to shipyards for new build or refit operations (some restrictions may apply). How to Apply - The first step is to complete and submit the short Request for Quote (RFQ) form available from your broker. A written quote for coverage of your crew will be ed before any further commitment is required. Coverage may be bound shortly thereafter in accordance with your written instructions.

3 Safe Harbor Crew Safe Harbor Crew is an employer sponsored benefit program designed for marine professionals by marine professionals who understand the needs and lifestyles of those who work aboard Luxury Yachts. Plan Features Worldwide health coverage, 24 hours a day, at work, leisure and on vacation Emergency Medical Evacuation coverage Coverage is primary to P&I Choice of any medical facility anywhere. Extensive independent provider network available in the USA Coverage included for typical crew activities such as SCUBA, Winter Sports and Amateur Sailboat Racing 24 hour Emergency Medical Assistance provided Simple enrollment, billing and plan administration included Dependents of covered crewmembers may be included (at the plan sponsor's discretion) Pre-existing Conditions are normally covered after 12 months of continuous coverage Wellness and vision benefit provided after 12 months continuous coverage Maternity and Newborn Care benefit provided after 10 months of continuous coverage Flexible Plan Design Choice of Medical plan annual Deductible Monthly, quarterly, semi-annual or annual billing available Additional benefits available at the plan sponsor's discretion are: Group Dental - Dependent Coverage - Term Life & Accidental Death Safe Harbor Crew Quality, Worldwide Medical Insurance for Professional Yacht Crew

4 Safe Harbor Crew Summary of Medical Benefits Benefit Limit Deductible Options $100, $250, or $500 Family Deductible Individual Out-of-Pocket Limit Maximum Limit Outpatient Prescription Drugs Inpatient Prescription Drugs Mental Health Disorders Transplant Expense Second Surgical Opinion Maternity and Newborn Care Hospital Room and Board Intensive Care Unit Vision Benefit Maximum of 3 Deductibles per family per Calendar Year $1,000 after the Deductible per Calendar Year $1,000,000 Lifetime or $5,000,000 Lifetime Usual, Reasonable and Customary (Subject to Deductible and Coinsurance) Usual, Reasonable and Customary (Subject to Deductible and Coinsurance) $20,000 Lifetime Maximum after 12 months of continuous coverage, subject to the following sub-limits: Outpatient Treatment: 50% of a Maximum charge of $100 per visit with a Maximum of 52 visits per Calendar Year per Insured Person. Inpatient Treatment: $10,000 per Calendar Year per Insured Person Subject to Special Transplant Pre-notification Requirements. Treatment must be provided within the PPO. Covered Transplants are: Heart, Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver and Allogenic and Autologous Bone Marrow Subject to Deductible and Coinsurance unless requested by Underwriters (payable at 100% if requested by Underwriters) Same as any other Illness after 10 months of continuous coverage. Subject to Special Maternity Pre-notification requirements Average Semi-Private Rate, including nursing service Usual, Reasonable and Customary (Subject to Deductible and Coinsurance) After 12 months of continuous coverage and subject to $50 Deductible. Covered up to $150 every 24 months for routine eye exam. Covered up to $100 every 24 months for corrective lenses, contacts and frames Emergency Medical Evacuation Up to $1,000,000 Lifetime Maximum, for Insured Persons under the age of 65 Repatriation of Remains Chiropractic Care $25,000 Maximum per Insured Person $25 Maximum per visit, maximum 20 visits per Calendar Year per Insured Person. Not subject to Deductible This is a summary of benefits only, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. For a complete plan description please refer to the Safe Harbor Crew certificate wording, which is available upon request. Medical Plan Payment Percentages Benefit Outside the US Inside the US (In-Network) Inside the US (Outof-Network) Hospital Services 100% 100% 80% Physician Services 100% 100% 80% Inpatient Treatment 100% 100% 80% Outpatient Treatment 100% 100% 80% Surgery 100% 100% 80% Wellness Care (subject to limits for Age and Calendar Year maximums) 100% 100% 80% Physical Therapy ($50 per visit; must be prescribed by medical doctor in relation to covered condition) 100% 100% 80% Local Ambulance 100% 100% 80% Emergency Reunion ($10,000 Maximum) 100% 80% 80% Eligible Medical Expenses 100% 100% 80%

5 About the Companies Providing Safe Harbor Crew MHG Marine Benefits is the name most associated with the creation of innovative benefit programs for professional marine crew for over 15 years. These benefits, designed in conjunction with MultiNational Underwriters, are tailored to provide levels of protection comparable to those enjoyed by other international employees but adapted to fit the unique needs and lifestyles of marine crew. MHG s group programs have been widely recognized and adopted by Luxury Yacht Owners, Management Companies, Marine Insurance Brokers, Captains and Crew worldwide. MNU is a market leader and expert underwriter for quality insurance products and Services. MNU offers a comprehensive portfolio of products designed specifically to address the insurance needs of international travelers and citizens, including the marine market. Their international claims specialists, medical professionals and client relations specialists are available 24 hours a day, 7 days a week to answer questions and respond to needs. Their service team is prompt, compassionate and of the highest professional quality. Lloyd s, the largest and oldest insurance market in the world, is the insurer of Safe Harbor Crew. Rated A by AM Best and A by Standard and Poor s, Lloyd s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd s is recognized as a market leader in the accident and health insurance area and is well known for its innovative products and services. MHG Making our industry a better place to work and live

6 CREW BENEFITS WELFARE PROGRAMS RISK MANAGEMENT SOLUTIONS MHG's Group Programs: Provide full time protection, 24 hours a day, 365 days a year. Enhance the value of compensation packages for crew members. Reduce crew turnovers, saving valuable time and money spent on replacement, training and certification of new crew members. Provide a structured and appropriate response to medical emergencies thus decreasing liability exposure and increasing risk management efficiency. Are primary to P&I and settle claims directly in most cases thus avoiding delays in obtaining reimbursement. Relieve Owners and Captains of the burden of benefit administration. FOR FURTHER INFORMATION ON MHG S EXTENSIVE RANGE OF GROUP AND INDIVIDUAL MARINE BENEFIT PROGRAMS INCLUDING DISABILITY INCOME AND RETIREMENT SAVINGS PLANS, CONTACT MHG OR YOUR INSURANCE PROFESSIONAL PALM BEACH YACHTS International 4220 Broadway West Palm Beach, FL Tel: MHG Services, Inc., Fax: SE 17th Street, Suite 410, Fort Lauderdale, FL USA Tel: +1 (954) LYS-B6b-606

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