CRITICAL ADVANTAGE INSURANCE. Your health in the best hands

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1 CRITICAL ADVANTAGE INSURANCE Your health in the best hands

2 Critical Advantage Insurance The diagnosis of a serious illness can lead to many questions Is my diagnosis correct? Will I get the right treatment? Where can I get the best care? Best Doctors helps you find the answers to these questions

3 When you re facing a worrying and often confusing situation, Best Doctors gives you the peace of mind you need We connect you to the very best medical experts outside of the UK, so you can be confident that your diagnosis and treatment plan are correct. What if I need to go abroad for treatment? Wherever you need to be treated outside the UK, there s no need to worry; your Critical Advantage Insurance policy covers your medical, travel and accommodation expenses*. We ll make all the arrangements too, so the only thing you need to focus on is getting better. * All references of Critical Advantage Insurance policy benefits are subject to policy terms and conditions.

4 We ve Got You Covered Your policy covers you and any insured family member for treatment abroad for the following complex procedures: Cancer treatment Coronary artery by-pass surgery Heart valve replacement or repair Live organ donor transplant Bone marrow transplant Neurosurgery

5 Best Doctors is there for you, before, during and after your treatment Once you re back home, we act as a link between you, your treating physician and the Best Doctors international specialist. You can be sure of outstanding support from our team, every step of the way. After returning from the United States, I continue to keep in regular contact with the Best Doctors team, who acted as the interface with the medical team in Los Angeles. Robert, Critical Advantage Insurance customer.

6 Critical Advantage Insurance offers you the following: 1 Confirmation of your diagnosis and 2 treatment plan We gather all your medical records for you. We then select a top-rated doctor, a specialist voted by their peers as one of the best in your particular condition, to review your case in order to confirm your diagnosis and treatment. You receive the report written by the specialist. One of our medical staff will explain all of this to you in a language you can understand. If you decide to receive treatment in a leading international hospital, we arrange all the details for you. We help you choose an international hospital and medical team, with renowned expertise in your condition. We arrange all flight details, hospital paperwork, medical appointments and hotel reservations. Your Critical Advantage Insurance policy will pay for all costs so you can concentrate on getting better. Access to the best medical treatment in the world

7 Exceptional cover The Critical Advantage Insurance policy can provide you with two levels of benefits for receiving treatment outside of the UK: When it comes to your health, the policy ensures you do not have to worry about to cost Coverage Critical Advantage Insurance Critical Advantage Plus Insurance Total Expenses Up to 1,000,000 insured/year; 2,000,000 insured/lifetime Up to 2,000,000 insured/year; 4,000,000 insured/lifetime Travel Expenses 1 Full cover for you and a companion Full cover for you and a companion (business class travel) Accommodation Expenses 1 Repatriation Expenses 1 Daily Cash Benefit 1 Medication Benefit 1 Full cover for you and a companion (3* or 4* accommodation) Full cover for you in the event of death whilst abroad 100 per overnight stay whilst abroad for hospitalization, up to a maximum of 60 days 50,000 lifetime limit for medications purchased in the UK, following return from treatment abroad Full cover for you and a companion (5* accommodation) Full cover for you in the event of death whilst abroad 200 per overnight stay whilst abroad for hospitalization, up to a maximum of 60 days 50,000 lifetime limit for medications purchased in the UK, following return from treatment abroad Return Lump Sum 1 Not available 20,000 lump sum payment on return to the UK after receiving treatment abroad arranged by the policy (once per Insured during the lifetime of the policy) 1 These benefits form part of the total Sum Insured annual and lifetime limits as indicated above, per Insured.

8 Best Doctors: International Medical Excellence. Founded in 1989 by two Harvard Medical School professors, Best Doctors is a point of reference for people seeking definitive medical advice from doctors chosen by their peers as the best in their specialty. More than 30 million people all over the world have access to Best Doctors giving them the ultimate peace of mind. And we ve now made Best Doctors available directly to you, through the Critical Advantage Insurance policy. AmTrust A Leading U.K. insurer AmTrust Europe Limited is a flexible and innovative insurer specialised in developing products that meet consumer needs. AmTrust Europe are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Ref. No ). Further details can be found on the Financial Services Register at

9 For more information visit Best Doctors, Critical Advantage and the star-in-cross logo are trademarks of Best Doctors, Inc., in the United States and in other countries, and are used under license. The information included in this document is purely for commercial purposes and does not constitute a contract. Best Doctors Underwriting Europe (Mediaçao de Seguros, Unipessoal, Lda) is responsible for providing the medical services included in this Critical Advantage Insurance policy. AmTrust Europe Limited is the insurer. Best Doctors Underwriting Europe is an underwriting agency with delegated authority to act on behalf of AmTrust Europe Limited and operates on the basis of freedom of services. v0.6