SCHEDULE OF MAXIMUM BENEFITS Emergency Medical Evacuation - $250,000 Emergency Medical Reunion - $12,500 Return of Mortal Remains- $250,000

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1 American International Educations Foundation-US Campus Accident and Sickness Insurance Plan Summary Policy #US Underwritten by United States Fire Insurance Company, Morristown, New Jersey SCHEDULE OF MAXIMUM BENEFITS Emergency Medical Evacuation - $250,000 Emergency Medical Reunion - $12,500 Return of Mortal Remains- $250,000 Accidental Death & Dismemberment Class 1 Principal Sum: Participant: $10,000; Spouse: $5,000; Dependent: $1,000 Class 2 Principal Sum: $70,000 Medical Expense - Per Injury or Sickness Maximum for Class I: $500,000 Class II: $150,000 Deductible Per Covered Person Per Policy Term Class I: $100 Class II: $100 and $50 per occurrence after the $100 is met Coinsurance: 80% of Usual, Reasonable & Customary Charges (URC) of the first $10,000 then 100% of URC to policy maximum thereafter ACCIDENTAL DEATH AND DISMEMBERMENT If, within one year from the date of an Accident or Injury covered by the Policy that occurs during the Covered Person s Trip, the Covered Person suffers from a Covered Loss listed below, We will pay the percentage of the Principal Sum set opposite the loss in the table shown in the Policy. If the Covered Person sustains more than one such Loss as the result of one Accident, We will pay only one amount, the largest to which he is entitled. This amount will not exceed the Principal Sum which applies for the Covered Person. The Principal Sum is the Maximum Benefit Amount shown in Schedule of Benefits. Benefits are payable if such Injury 1)Occurs during the course of time the Covered Person is covered under the Policy; 2) is sustained during such Trip while the Covered Person is riding as a passenger (but not as a pilot, operator or member of the crew) in or on, boarding or alighting from: a) any civilian aircraft having a current and valid Airworthiness Certificate, and piloted by a person who then holds a valid and current certificate of competency of a rating authorizing him to pilot such aircraft or b) any transport type aircraft operated by the Military Airlift Command (MAC) of the United States, or by the similar air transport service of any duly constituted governmental authority of any other recognized country or c) a Common Carrier provided that this Insurance will not apply while such Covered Person is riding in any civilian or military aircraft other than as expressly described above, unless previously consented to in writing by the Company. ACCIDENT and SICKNESS MEDICAL EXPENSE BENEFITS We will pay Accident and Sickness Medical Expense Benefits for Eligible Expenses. These benefits are subject to the Deductibles, Co-Payment, Coinsurance Factors, Benefit Periods, Benefit Maximums and other terms or limits shown below and in the Schedule of Benefits. Accident and Sickness Medical Expense Benefits are only payable: 1) for Usual, Reasonable and Customary Charges incurred after the Deductible has been met; 2) for those Medically Necessary Eligible Expenses incurred by or on behalf of the Covered Person; 3) for Eligible Expenses incurred within 30 days after the date of the Eligible Expense. No benefits will be paid for any expenses incurred that are in excess of Usual, Reasonable and Customary Charges. Eligible Medical Expenses include: 1) Hospital Admission Expenses: Charges for each hospital admission. 2) Outpatient Pre-Surgical Testing benefit charges for Pre-surgical testing. A scheduled surgical procedure must occur within 3 days of the testing. 3) Nursing Services Outpatient Charges for nursing services by a Registered Nurse or Licensed Professional. 4) Skilled Nursing Facility - charges for services as described in the schedule of benefits. The benefit provides skilled nursing 24 hours a day, seven days a week, under the supervision of a registered nurse, and/or skilled rehabilitative services at least five days per week. The emphasis is on skilled nursing care, with restorative, physical, occupational, and other therapies available. A SNF provides services that cannot be efficiently or effectively rendered at home or in an intermediate care facility. The service provided must be directed towards the patient achieving independence. A SNF confinement must take place within 14 days from a hospital discharge and must represent care for the same condition which required hospitalization that lasted a minimum of three days. Care may not be custodial in nature (e.g., care which could be performed at home). The facility may not be primarily a place which provides general care for the aged. 5) Hospice Care Benefit as follows: a) nursing care by a Registered Nurse; or a licensed practical Registered Nurse, a vocational Registered Nurse, or a public health Registered Nurse who is under the direct supervision of a Registered Nurse; b) physical therapy and speech therapy when rendered by a licensed therapist; c) medical supplies, including drugs and the use of medical appliances; d) physician s services; and e) services, supplies, and treatments deemed Medically Necessary and ordered by a licensed Physician. 6) Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon. 7) Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items. 8) Immunizations required for admittance to educational institution covered up to $5,000. HOSPITAL ROOM & BOARD BENEFIT We will pay charges for the most common semi-private daily room rate for each day of the Hospital Stay, up to the Maximum Daily Benefit Amount shown in the policy schedule. In computing the number of days payable under this benefit, the date of admission will be counted, but not the date of discharge. Hospital Room and Board expenses will include floor nursing while confined in a ward or semi-private room of

2 a Hospital and other Hospital services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital s average charge for semiprivate room and board accommodation. INTENSIVE CARE/CARDIAC CARE UNIT BENEFIT We will pay charges for each day of Intensive Care/Cardiac Care Unit confinement, up to the Daily Maximum Benefit shown in the policy schedule per day. This payment is in lieu of payment for the Hospital Room and Board charges for those days and includes nursing services. HOSPITAL MISCELLANEOUS EXPENSE BENEFIT We will pay for services, supplies and charges during a Hospital Stay, up to the Maximum Daily Benefit Amount shown in the policy schedule per day. Miscellaneous services include services and supplies such as: the cost of the operating room; laboratory tests; X-ray examinations; anesthesia; drugs (excluding take-home drugs) or medicines; therapeutic services and supplies; and blood and blood transfusions. Miscellaneous services do not include charges for telephone, radio or television, extra beds or cots, meals for guests, take home items, or other convenience items. SURGEON (IN OR OUTPATIENT) BENEFITS We will pay charges for: 1) A Physician, for primary performance of a surgical procedure, up to the Maximum Benefit Amount shown in the Schedule of Benefits per procedure. Two or more surgical procedures through the same incision will be considered as one procedure. If an Accident and Sickness requires multiple surgical procedures through the same incision, We will pay only one benefit, the largest of the procedures performed. If multiple surgical procedures are performed during the same operative session, but through different incisions, We will pay for the most expensive procedure and 50% of Eligible Expenses for the additional surgeries. 2) A Physician, for assistant surgeon duties up to the Maximum Benefit shown in the Schedule of Benefits. ASSISTANT SURGEON BENEFIT If, in connection with such operation, a Covered Person requires the services of an Assistant Surgeon, We will pay the Covered Percentage of the Covered Expense incurred. PRE-ADMISSION TESTING BENEFIT We will pay benefits for charges for Pre-admission testing (inpatient confinement must occur within 3 days of the testing). ANESTHESIA BENEFIT We will pay benefits for Anesthesia for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis. DAY SURGERY MISCELLANEOUS BENEFIT We will pay Day Surgery Miscellaneous benefits for services and supplies such as: the cost of the operating room; laboratory tests; X-ray examinations; anesthesia; drugs or medicine; therapeutic services; and supplies, on an outpatient basis. DIAGNOSTIC X-RAY AND LABORATORY BENEFIT We will pay the benefit if the Covered Person requires diagnostic x -ray and/or laboratory examinations and services due to a Covered Loss, up to the Maximum Benefit per Covered Accident and Sickness indicated in the Schedule of Benefits. Outpatient x-ray services and laboratory tests are limited to the amount shown in the Schedule of Benefits. AMBULANCE BENEFIT When, by reason of Accident and Sickness, a Covered Person requires the use of a community or Hospital Ambulance in a Medical Emergency, We will pay a Benefit Amount up to a Maximum shown in the schedule, within the metropolitan area in which the Covered Person is located at that time the service is used. Ambulance Service is transportation by a vehicle designed, equipped and used only to transport the sick and injured from home, the scene of the Accident or Medical Emergency to a Hospital or between Hospitals. Surface trips must be to the closest local facility that can provide the covered service appropriate to the condition. If there is no such facility available, coverage is for trips to the closest facility outside the local area Air transportation is covered when Medically Necessary because of a life threatening Accident and Sickness or if the Covered Person is in a rural area, then air ambulance transportation to the nearest metropolitan area will be considered an Eligible Expense. Air Ambulance is air transportation by a vehicle designed, equipped and used only to transport the sick and injured to and from a Hospital for inpatient care. PHYSICIAN VISIT BENEFIT (INPATIENT) We will pay charges by a Physician for other than pre- or post-operative care for in-hospital visits, up to the Maximum Benefit Amount shown in the Schedule of Benefits for Physician s Visit In-Hospital. PHYSICIAN VISIT BENEFIT (OUTPATIENT) We will pay charges by a Physician for office visits, up to the Maximum Benefit Amount shown in the Schedule of Benefits for Physician s Office Visits. Total visits per Injury will not exceed the combined Maximum shown in the Schedule of Benefits for All In-Hospital and Office Physician s Visits. CONSULTANT PHYSICIAN BENEFIT If, by reason of Accident and Sickness, a Covered Person requires the services of a Consultant or Specialist when they are deemed necessary and ordered by an attending Physician for the purpose of confirming or determining a diagnosis, We will pay the Covered Percentage of the Covered Expenses incurred.

3 EMERGENCY ROOM BENEFIT We will pay this benefit if the Covered Person requires Emergency Room treatment due to a Covered Loss resulting directly and independently of all other causes from a Covered Accident and Sickness. Emergency Room means a trauma center or special area in a Hospital that is equipped and staffed to give people emergency treatment on an outpatient basis. An Emergency Room is not a clinic or Physician s office. Services including physician charges and related x-ray/laboratory interpretations will be paid under this benefit. WELLNESS MEDICAL EXPENSE BENEFIT: We will pay Eligible Expenses, as per the limits stated in the Schedule of Benefits, Sickness Medical. Coverage is limited to the following expenses incurred subject to Exclusions. This benefit is not subject to Deductible of Coinsurance. In no event will the Company s maximum liability exceed the maximum stated in Section II, Schedule of Benefits, Sickness Medical, as to expenses during any one period of individual coverage. Covered wellness expenses include: 1) Routine physical examinations 2) Preventive medical attention MATERNITY AND PRE-NATAL CARE BENEFIT When a covered Maternity is incurred by a Covered Person the Company will pay the Usual, Reasonable and Customary medical expenses in excess of the Deductible and Coinsurance as stated in the Schedule of Benefits, Maternity. In no event will the Company s maximum liability exceed the maximum stated in the Schedule of Benefits Maternity, as to Eligible Expenses during any one period of individual coverage. Benefits will be payable for Eligible Expenses an Covered Person incurs before, during, and after delivery of a Child, including Physician, Hospital, laboratory, and ultrasound services. Coverage for the Inpatient postpartum stay for the Covered Person and her newborn Child in a Hospital, will, at a minimum, be for the length of stay recommended by the American Academy of Pediatrics and the American College of Obstetricians and Gynecologists in their guidelines for Perinatal Care. Coverage for a length of stay shorter than the minimum period mentioned above may be permitted if the Covered Person Person s attending Physician determines further Inpatient postpartum care is not necessary for the Covered Person or her newborn Child provided the following are met: 1) In the opinion of the Covered Person Person s attending Physician, the newborn Child meets the criteria for medical stability in the guidelines for Perinatal Care prepared by the Academy of Pediatrics and the American College of Obstetricians and Gynecologists that determine the appropriate length of stay based upon the evaluation of: a) The antepartum, intrapartum, postpartum course of the mother and infant; b) The gestational stage, birth weight, and clinical condition of the infant; c) The demonstrated ability of the mother to care for the infant after discharge; and d) The availability of post discharge follow up to verify the condition of the infant after discharge; and 2) One (1) at-home post delivery care visit is provided to the Covered Person at her residence by a Physician or Registered Nurse performed no later than forty-eight (48) hours following discharge of the Covered Person and her newborn Child from the Hospital. Coverage for this visit includes, but is not limited to: a) Parent education; b)assistance in training in breast or bottle feeding; and c) Performance of any maternal or neonatal tests routinely performed during the usual course of Inpatient care for the Covered Person or newborn Child, including the collection of an adequate sample for the hereditary and metabolic newborn screening. (At the Covered Person Person s discretion, this visit may occur at the Physician s office.) MENTAL AND NERVOUS CONDITIONS EXPENSE BENEFIT If a Covered Person requires treatment for a Mental or Nervous Condition, We will pay for such treatment as follows: BENEFITS FOR INPATIENT HOSPITAL CONFINEMENT When a Covered Person requires Hospital Confinement for treatment of a Mental or Nervous Condition, We will pay the Covered Percentage of the Eligible Expenses incurred for such Hospital Confinement. Such confinement must be in a licensed or certified facility, including Hospitals. BENEFITS FOR OUTPATIENT SERVICES We will pay the Covered Percentage of the Eligible Expenses incurred for the outpatient treatment of Mental and Nervous Conditions as defined up to one visit per day. The Mental and Nervous Condition must, in the professional judgment of healthcare providers, be treatable, and the treatment must be Medically Necessary. Outpatient treatment and Physician services include charges made by an outpatient treatment department of a Hospital, or community mental health facility, or charges for services rendered in a Physician's office. Treatment may be provided by any properly licensed Physician, psychologist or other provider as required by law. Biologically Based Mental Sickness means a mental, nervous, or emotional disorder caused by a biological disorder of the brain which results in a clinically significant, psychological syndrome or pattern that substantially limits the functioning of the person with the Sickness. We will pay the Covered Percentage of the Eligible Expenses incurred for treatment of biologically based mental Sickness, including: Schizophrenia; Schizoaffective disorder; bipolar affective disorder; major depressive disorder; specific obsessive-compulsive disorder; delusional disorders; obsessive compulsive disorders; anorexia and bulimia; and panic disorder. ALCOHOL AND DRUG ABUSE EXPENSE BENEFIT If a Covered Person requires treatment on account of alcoholism, Alcohol Abuse, Drug Abuse or drug dependency, We will pay for such treatment as follows: BENEFITS FOR INPATIENT HOSPITAL CONFINEMENT When a Covered Person is confined as an inpatient in: (i) a Hospital; or (ii) a Detoxification Facility for the treatment of alcoholism, Alcohol Abuse, Drug Abuse or drug dependency, We will pay the Covered Percentage of the Eligible Expenses incurred for such Hospital Confinement. Such Confinement must be in a licensed or certified facility, including Hospitals. BENEFITS FOR OUTPATIENT SERVICES We will pay the Covered Percentage of the Eligible Expenses incurred for the treatment of alcoholism, Alcohol Abuse, Drug Abuse, or drug dependency. Outpatient Treatment and Physician services include charges for services rendered in a Physician's office or by an outpatient treatment department of a Hospital, community mental health facility or alcoholism treatment facility, so long as the Hospital, community mental health facility or alcoholism treatment facility is approved by the Joint Commission on the Accreditation of Hospitals or certified by the

4 Department of Health. The services must be legally performed by or under the clinical supervision of a licensed Physician or a licensed psychologist who certifies every three months that a Covered Person needs to continue such treatment. Alcohol Abuse means a condition that is characterized by a pattern of pathological use of alcohol with repeated attempts to control its use, and with significant negative consequences in at least one of the following areas of life: medical, legal, financial, or psycho-social. Drug Abuse means a condition that is characterized by a pattern of pathological use of a drug with repeated attempts to control its use, and with significant negative consequences in at least one of the following areas of life: medical, legal, financial, or psycho-social. Detoxification Facility means a facility that provides direct or indirect services to an acutely intoxicated individual to fulfill the physical, social and emotional needs of the individual by: a) monitoring the amount of alcohol and other toxic agents in the body of the individual; b) managing withdrawal symptoms; and c) motivating the individual to participate in the appropriate addictions treatment programs for Alcohol and Drug Abuse. EMERGENCY DENTAL EXPENSE BENEFIT We will pay benefits as described in the Schedule of Benefits for expenses incurred during the Covered Person s Trip for emergency dental treatment. Only expenses for emergency dental treatment to natural teeth incurred during the Trip will be reimbursed. Expenses incurred after the Trip are not covered. PHYSIOTHERAPY EXPENSE BENEFIT We will pay benefits as described in the Schedule of Benefits for eligible Physiotherapy expenses incurred by the Covered Person. We will pay Usual, Reasonable and Customary expenses in excess of the Deductible as stated in the Schedule of Benefits. In no event will the Company s maximum liability exceed the maximum stated in the Schedule of Benefits, as to Eligible Expenses during any one period of individual coverage. For the purpose of this section, Physiotherapy means charges for physiotherapy if recommended by a Physician for the treatment of a specific Disablement or following hospitalization and administered by a licensed physiotherapist as an outpatient, up to up to the maximum amount shown in the Schedule of Benefits per day for the Outpatient Physiotherapy benefit. Charges include treatment and office visits connected with such treatment when prescribed by a Physician, including diathermy, ultrasonic, whirlpool, heat treatments, microtherm, chiropractic, adjustments, manipulation, acupuncture, massage or any form of physical therapy. DURABLE MEDICAL EQUIPMENT EXPENSE BENEFIT If, by reason of Injury or Sickness, a Covered Person requires the use of Durable Medical Equipment, We will pay the Covered Percentage of the Eligible Expenses incurred by a Covered Person for such Durable Medical Equipment. We pay the Covered Percentage of the Eligible Expenses incurred by a Covered Person for the purchase or rental of such item. In no event shall we pay rental charges in excess of the purchase price. Any rental charges paid will be applied toward the cost of the purchase price if the equipment is purchased at a later date. If Durable Medical Equipment is purchased, it is Our property and is to be returned to Us, at Our expense, upon completion of a Covered Person's need, if so requested by Us. We do not pay for the replacement of Durable Medical Equipment. Durable Medical Equipment means medical equipment that: 1) is prescribed by the Physician who documents the necessity for the item including the expected duration of its use; 2) can withstand long-term repeated use without replacement; 3) is not useful in the absence of an Injury or Sickness; and 4) can be used in the home without medical supervision. EMERGENCY MEDICAL EVACUATION, MEDICAL REPATRIATION AND RETURN OF REMAINS When You suffer loss of life for any reason or incur a Sickness or Injury during the course of Your Trip, the following benefits are payable, up to the Maximum Benefit Amount shown in the Schedule of Benefits. 1) Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment. If You are traveling alone and will be hospitalized for more than 5 consecutive days and Emergency Evacuation is not imminent, benefits will be paid to transport one person, chosen by You, by Economy Transportation, for a single visit to and from Your bedside. 2) Medical Repatriation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred within 30 days from the date of the Covered Loss, will be paid for Your return to Your primary place of residence or to a Hospital or medical facility closest to Your primary place of place of residence capable of providing continued treatment via one of the following methods of transportation, as approved, in writing, by the authorized travel assistance company: one-way Economy Transportation; commercial air upgrade (to Business or First Class), based on Your condition as recommended by the local attending Legally Qualified Physician and verified in writing and considered necessary by the authorized travel assistance company; or other covered land or air transportation including, but not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized travel assistance company. Transportation must be via the most direct and economical route. Return of Remains: In the event of Your death during a Trip, the expense incurred within 30 days from the date of the Covered Loss will be paid for minimally necessary casket or air tray, preparation and transportation of Your remains to Your primary place of residence in the United States of America or to the place of burial.

5 OUT-PATIENT PRESCRIPTION DRUG BENEFIT We will pay the Eligible Expenses, subject to the Deductible Amount, and Coinsurance Percentage shown in the Schedule of Benefits, if any; for a Prescription Drug or medication when prescribed by a Physician on an outpatient basis. Prescription Drug means a drug which: 1)Under Federal law may only be dispensed by written prescription; and 2) Is utilized for the specific purpose approved for general use by the Food and Drug Administration. The Prescription Drug must be dispensed for the outpatient use by the Covered Person: 1)On or after the Covered Person's Effective Date; and 2) By a licensed pharmacy provider. Benefits are payable up to the Maximum Benefit Amount shown on the Schedule of Benefits. EXTENSION OF ACCIDENT AND SICKNESS MEDICAL BENEFITS If a Covered Person is hospital confined at term of coverage, benefits will continue to be paid until the earlier of either discharge from the hospital they are confined to or until the maximum benefit has been paid, whichever occurs first. In no event will benefits continue beyond 60 days beyond the term of coverage. Paying and reimbursement for medical expenses - Charges for doctor office visits, prescription drugs and some outpatient procedures may need to be paid by you in advance directly to the provider (i.e. doctor or pharmacist). You must submit a claim form for each separate Injury or Illness for your medical expense to be considered. When your expenses are approved, they will be sent in the form of a check to you. Although you must also submit a claim form in situations involving Hospitalization, you may not need to pay Hospital expenses in advance. EXCLUSIONS AND LIMITATIONS The Policy does not cover any loss resulting from any of the following unless otherwise covered under the Policy by Additional Benefits: Each Exclusion listed below will be in-or-out depending on the plan. 1) Suicide, attempted suicide (including drug overdose) self-destruction, attempted self-destruction or intentional self-inflicted Injury while sane or insane; 2) War or any act of war, declared or undeclared; 3) An Accident which occurs while the Covered Person is on Active Duty Service in any Armed Forces, National Guard, military, naval or air service or organized reserve corps; 4) Injury sustained while in the service of the armed forces of any country. When the Covered Person enters the armed forces of any country, We will refund the unearned pro rata premium upon request; 5) Voluntary, active participation in a riot or insurrection; 6) Medical expenses resulting from a motor vehicle accident in excess of that which is payable under any other valid and collectible insurance; 7) Organ transplants; 8) Treatment for an Injury or Sickness resulting from the Covered Person's intoxication or use of illegal drugs or any drugs or medication that is intentionally not taken in the dosage recommended by the manufacturer or for the purpose prescribed by the Covered Person's Physician; 9) Commission or attempt to commit an assault or felony, or that occurs while being engaged in an illegal occupation; 10) Eligible Expenses for which the Covered Person would not be responsible in the absence of the Policy; 11) Treatment of acne; 12) Charges which are in excess of Usual, Reasonable and Customary charges; 13) Charges that are not Medically Necessary; 14) Charges provided at no cost to the Covered Person; 15) Expenses incurred for treatment while in Your Home Country, excess of $5,000; 16) Expenses incurred for a an Injury or Sickness after the Benefit Period shown in the Schedule of Benefits or incurred after the termination date of coverage; 17) Services or treatment rendered by a Physician, Registered Nurse or any other person who is employed or retained by the Policyholder; or an Immediate Family member of the Covered Person; 18) Duplicate services actually provided by both a certified nurse midwife and Physician;

6 19) Injuries paid under Workers Compensation, Employer s liability laws or similar occupational benefits or while engaging in an occupation for monetary gain from sources other than the Policyholder; 20) Benefits for enrolling solely for the purpose of obtaining medical treatment, while on a waiting list for a specific treatment, or while traveling against the advice of a Physician; 21) Aggravation or re-injury of a prior Injury that the Covered Person suffered prior to his or her coverage Effective Date, unless We receive a written medical release from the Covered Person s Physician; 22) Pre-existing conditions; however a Pre-Existing condition will be covered after the Covered Person has been continuously insured for 6 months under the same insurance plan; 23) Treatment of a hernia, including sports hernia, whether or not caused by a Covered Accident; 24) Charges incurred for Surgery or treatments which are, Experimental/Investigational, or for research purposes; 25) Expense incurred for treatment of temporomandibular joint (TMJ) disoriders or craniomandibular joint dysfunction and associated myofacial pain; 26) Dental care or treatment other than care of sound, natural teeth and gums required on account of Injury resulting from an Accident while the Covered Person is covered under the Policy, and rendered within 6 months of the Accident; 27) Eyeglasses, contact lenses, hearing aids braces, appliances, or examinations or prescriptions therefore; 28) Weak, strained or flat feet, corns, calluses, or toenails; 29) Private-duty nursing services; 30) The cost of the Covered Person s unused airline ticket for the transportation back to the Covered Person s Home Country, where an Emergency Medical Evacuation or Repatriation and/or Return of Mortal Remains benefit is provided; 31) Expenses payable under any prior policy which was in force for the person making the claim 32) Expenses incurred during a Hospital emergency room visit which is not of an emergency nature 33) For the cost of a one way airplane ticket used in the transportation back to the Insured's country where an air ambulance benefit is provided and medically necessary; 34) Treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for the treatment without cost to any individual; 35) Travel in or upon: (a) A snowmobile; (b) A water jet ski (c) Any two or three wheeled motor vehicle, other than a motorcycle registered for on-road travel; (d) Any off-road motorized vehicle not requiring licensing as a motor vehicle; when used for recreation competition. 36) Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus, unless PADI or NAUI certified; water skiing; snow skiing; spelunking; parasailing; white water rafting; surfing, unless part of a school credit course; and snow boarding. 37) Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, professional or semiprofessional sports contest or competition, excess of $20,000; 38) Rest cures or custodial care; 39) Elective or Cosmetic surgery and Elective Treatment or treatment for congenital anomolies (except as specifically provided), except for reconstructive surgery on a diseased or injured part of the body (Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a covered an Injury or Sickness. 40) Services rendered for detection and correction by manual or mechanical means (including x-rays incidental thereto) of structural imbalance, distortion or subluxation in the human body for purposes of removing nerve interference where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column.

7 41) Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from: a) While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or b) While being used for any test or experimental purpose; or c) While piloting, operating, learning to operate or serving as a member of the crew thereof; or d) while traveling in any such Aircraft or device which is owned or leased by or on behalf of the Policyholder of any subsidiary or affiliate of the Policyholder, or by the Covered Person or any member of his household. e) A space craft or any craft designed for navigation above or beyond the earth's atmosphere; or f) An ultra light, hang-gliding, parachuting or bungi-cord jumping; Except as a fare paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private aircraft used for business or pleasure purposes. Administered by: DISCLAIMER: This is a summary of the policy benefits only and does not cover all the terms, conditions and limitations of the Master Policy. The Master Policy (on file with Global Underwriters) contains the actual terms, conditions, and limitations, of the coverage to be provided. If there is any conflict between this summary and the Master Policy the Master Policy will govern in all cases For travel assistance, please call: AXA Travel Assistance in USA or collect outside the USA You must contact the assistance provider in advance, to make arrangements or receive any benefits provided, for emergency evacuation, emergency reunion or repatriation. Failure to do so will result in a lesser benefit being paid for those services All claim forms must be completed, signed and mailed to: Global Claims Administrators 3195 Linwood Rd, Suite 201 Cincinnati OH For claims status call: Toll free in the USA The claims must be received within 90 days of treatment and accompanied by original medical receipts.