Flex Shield Plus. Featuring Limited Benefit Health Insurance. Underwritten by National Union Fire Insurance Company of Pittsburgh, Pa.

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1 Limited Benefit Health Insurance Featuring Limited Benefit Health Insurance Underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. Flex Shield Plus Limited Benefit Health Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. Limited Benefit Health Insurance is not basic health insurance or major medical coverage and is not designed as a substitute for basic health insurance or major medical coverage.

2 Employers need cost-effective ways to provide benefits that all their employees expect whether they are temporary, hourly, part-time or full-time employees. Flex Shield Plus Featuring Limited Benefit Health Insurance underwritten by National Union Fire Insurance of Pittsburgh, Pa. A Viable Solution in the Midst of Healthcare Reform Employers across the country are evaluating their health care plans in light of health care reform. Fixed-indemnity limited benefit medical programs continue to be an option for businesses seeking cost-effective ways to provide medical benefits to employees and their families. > the number of Americans lacking any kind of health coverage rose to 52 million in More than ever, providing employees and their families access to the most utilized healthcare services is a critical need. > as healthcare costs and major medical premiums continue to rise and employees are increasingly involved in the management of their benefits portfolio, employees need to be fully engaged so they can make informed choices from affordable solutions. > The nature of the U.S. work force is also changing as the full-time work forces are increasingly joined by contract, temporary, hourly and part-time workers. That s where Chartis fits in. We created Flex Shield Plus for employers seeking broader, affordable coverage for their employees who are not covered by traditional benefits and for employees who want to supplement other insurance coverages. Through a fixed-indemnity approach, our limited benefit medical program continues to be a viable option for businesses to help improve their benefits package so that they can attract and retain their most valuable assets their employees. 1The Commonwealth Fund Annual Report, 2010.

3 While not a replacement for major medical insurance, Flex Shield Plus is an ideal offering for employees who: > Work part-time or on an hourly basis > Have seasonal or irregular schedules > Work on a temporary basis > Are still in benefit eligibility waiting periods > Can t afford major medical plans > Want to supplement their existing major medical plan to help reduce the effect of a high deductible Why Employers Choose Flex Shield Plus Chartis Flex Shield Plus program delivers an array of the most wanted and most common medical benefits to meet our customer needs and help create a benefit program employees will use and value. Our plans can help: > Enhance Flexibility With a choice of four coverage plans, the program allows for flexibility to suit each employer s preferences from maximum coverage to maximum affordability. > Control Costs This voluntary program is payable through convenient payroll deductions or individual bank draft, resulting in virtually no administration. > streamline Administration Our administrative know how and cutting edge technology helps reduce costs and simplifies administration at every level issuance, fulfillment and claims processing. > deliver a Competitive Edge Flex Shield Plus offers an innovative way to help improve a company s benefits package and extend coverage to all personnel. This can positively impact employee recruiting and retention. The Flex Shield Plus Advantage for Employees Flex Shield Plus provides a broad array of highly valued, first dollar accident and sickness coverages to help employees pay for the services they and family members need. > Pays first-dollar cash benefits directly to employees (unless they direct otherwise) without deductibles or copayments in addition to any other insurance coverages. > Helps benefit dollars go further by offering access to reduced rates from the Multiplan provider network, a nationwide network of premier physicians, hospitals and medical centers and no penalties for going out of network. Visit their website at > Provides the ease and savings of buying affordable coverage with pretax payroll deductions. 2 > Offers coverage for spouses and dependent children. > Additional Critical Illness benefit can help reduce the financial stress when coping with and recovering from a covered critical illness such as cancer, heart attack, and stroke. Payable after the first diagnosis of the covered critical illness. > Value-Added Benefits 3 The Flex Shield Plus Limited Benefit Medical program includes a rich portfolio of discount medical products and services offered through the WellCardRx Discount Program. Discount benefits include Prescription, Dental, Vision, Lab and Hearing discounts. All services provided offer pre-negotiated health care discounts on a wide range of services for you and members of your family. There are no administrative fees. > Optional Insurance Buy-up coverages include Term Life, Short-Term Disability, Vision, and Dental. 2 the Accident & Health Division does not provide tax advice. Employers, employees, independent contractors, owner-operators and others should consult their attorney or tax advisor for details. 3 These value-added discounts and services are neither underwritten nor provided by the Accident and Health Division of Chartis.

4 Flex Shield Plus: Limited Benefit Health Insurance Limited Benefit Health Insurance pays covered employees a fixed amount for covered expenses. Employers have a choice of four coverage levels, as shown below. This is limited indemnity coverage. This is not basic health insurance or major medical coverage and is not designed as a substitute for basic health insurance or major medical coverage. Benefits and rates may vary from state to state. Benefit Descriptions Value Choice Select Premier OUTPATIENT SERVICES Number of Office Visits > 6 visits per person per calendar year, 12 visits per family per calendar year $60 $75 $100 $125 Health Screening > 3 visits per person per calendar year, Includes routine exams and preventive testing $60 $75 $100 $125 Well Baby Benefit > Includes physical examinations and immunizations during the first 12 months $75 $75 $100 $125 following birth. 6 visits per covered child per calendar year Diagnostic, X-Ray, and Lab Benefit > 3 tests per person per calendar year $50 $75 $75 $100 HOSPITAL BENEFITS Hospital Admission Benefit > Inpatient admission for treatment of Sickness or Injury per occurrence $1,000 $1,500 $2,000 $2,500 Hospital Confinement Benefit > Pays per day for the first 30 days of hospital confinement per occurrence > Pays in addition to Hospital Admission Benefit $300 $500 $750 $1,000 > 1-day elimination period Intensive Care Unit Benefit > Pays per day for the first 30 days of ICU confinement per occurrence > Pays in addition to Hospital Admission Benefit and Hospital Confinement Benefit $300 $500 $750 $1,000 > 1-day elimination period SURGERY BENEFITS % of amount on Surgical Fee Schedule 100% 300% 300% 300% Anesthesia (% of amount on Surgical Fee Schedule) 25% 25% 25% 25% EMERGENCY & ACCIDENT SERVICES Emergency Room Benefit > maximum of 2 visits per person per year Sickness and 2 visits per person per year for Injury DISLOCATIONS & FRACTURE BENEFITS 4 $150/sickness $250/accident $200/sickness $250/accident $250/sickness $250/accident $250/sickness $250/accident Fracture Benefit (Total) $1,000 $2,000 $3,000 $3,000 Per Fracture $100 $200 $300 $300 ADDITIONAL BENEFITS Ambulance Benefit > maximum of 3 trips per person per calendar year $250 $250 $250 $250 Accidental Death & Dismemberment > dismemberment benefits paid according to Policy schedule > 50% of benefit amount is payable for Eligible Spouse, 25% of benefit amount is $10,000 $20,000 $30,000 $40,000 payable for Eligible Child(ren) Critical Illness $2,500 $5,000 $7,500 $10,000 PRESCRIPTION DRUG BENEFITS 5 Rx Maximum Benefit (per person per calendar year) $2,500 $2,500 $2,500 $2,500 Generic Formulary $10 Copay $10 Copay $10 Copay $10 Copay Brand Formulary $30 Copay $30 Copay $30 Copay $30 Copay VALUE-ADDED Non-insurance Services 6 > Teladoc Included Included Included Included > Prescription Discounts Included Included Included Included > Vision through Outlook Vision Included Included Included Included > Dental through Dentemax Included Included Included Included > Lab and Imaging through Prepaid Lab and Imaging Included Included Included Included > Hearing through EPIC Included Included Included Included 4 Covered fractures include pelvis, skull, neck, thigh, upper arm, ankle, lower leg, elbow, heel, shoulder blade, lower jaw, hip, collarbone, forearm, wrist, vertebrae, sternum, kneecap, cheekbone, hand, foot, and coccyx. 5 Broadreach Medical Resources (BMR) is the full service Pharmacy Benefit Pharmacy Manager. The prescription drug insurance program is administrated by BMR and underwritten by Fidelity Security Life Insurance Company, Kansas City, MO form numbers PD240 and PD241. Some provisions, benefits, exclusions or limitations listed herein may vary by state and are not available in CT, ME, MA, MN, NH, NY, NC, ND, UT and WA. This insurance program is sold in conjunction with group Limited Healthcare program and cannot be sold standalone. 6 these value-added discounts and services are not insurance and are neither underwritten nor provided by Chartis insurers. They provide discounts at certain healthcare providers for medical services. The plan does not make payment directly to the providers of medical services. You are obligated to make payment for services but you will receive a discount from those providers contracted with the plan. Teladoc services are not available in OK.

5 Description of Benefits 7 Physician s Office Visits Benefit pays per visit benefit if an insured person visits a physician s office for treatment of sickness or injury. Physician and Hospital Discounts We offer a national provider network to complement the benefits provided by Chartis. Discounted rates are available at premier physicians, hospitals and medical centers around the country. Health Screening Benefit pays a per test amount when an insured person undergoes specified routine examinations or other preventive testing. Routine Well-Child Benefit pays a per physician s visit amount when an insured dependent child visits a physician and undergoes physical examination and/or appropriate immunizations during the first 12 months following birth. Outpatient Diagnostic X-Ray & Laboratory Benefit pays an outpatient diagnostic x-ray and laboratory benefit when an insured person visits a physician s office or other outpatient setting except an emergency room and undergoes diagnostic x-ray and laboratory tests for treatment of sickness or injury. Hospital Admission Benefit pays a lump sum hospital admission benefit if an insured person is admitted as an inpatient to a hospital for treatment of injury or sickness Hospital Confinement Benefit pays a daily hospital confinement benefit for each day that an insured person is charged for a room as an inpatient when that insured person becomes confined as an inpatient to a hospital for treatment of sickness or injury. Mental Nervous and Substance Abuse confinement covered. Intensive Care Unit Benefit if benefits have become payable for an insured person under the hospital confinement benefit and such insured person becomes confined in an intensive care unit, this benefit pays an additional daily intensive care unit benefit for each day an insured person is confined in and charged for an intensive care unit. Surgical Benefits pays a scheduled surgical benefit when an injured person undergoes a surgical procedure for treatment of sickness or injury. Anesthesia pays an Anesthesia benefit for the administration of anesthesia for which a charge is incurred during a covered surgical procedure. Critical Illness Benefit pays a lump sum benefit upon diagnosis of a specified critical illness after a 30 day waiting period and 12/12 pre-existing condition exclusion. Ambulance pays a benefit if ambulance transportation to a medical facility is required due to a covered accident or sickness. Prescription Drug The prescription insurance program helps employees manage the cost of outpatient prescription drugs with an expanded list of brand formulary and generic formulary medications available at a fixed copayment. Non-formulary medications available at discounted pricing. Accepted at over 60,000 pharmacies nationwide. Accidental Death & Dismemberment Benefit pays a lump sum benefit if an insured person suffers an injury that results in death. Dismemberment benefits are paid according to the schedule as detailed in the Policy. Fractures & Dislocations Benefit pays a scheduled benefit amount if an insured suffers an injury that results in a specific dislocation or fracture. 7 Benefits payable for a covered accident & sickness. Please see insurance documents for more details.

6 Optional Benefits In addition to the Limited Benefit Medical coverage underwritten by the National Union Fire Insurance Company of Pittsburgh, Pa., our program also offers optional benefits to better meet the needs of your clients. Short-Term Disability In the event that an employee cannot work because of an illness or injury, his or her absence can put strain on the employee s source of income as well as business productivity. With the Sickness and Non-Occupational Accident Disability Income Benefit, a weekly income benefit is payable to insureds who become totally disabled as a result of a non-work related sickness or injury. Benefits begin after the end of the elimination period. The weekly benefit is payable for each week that the insured remains disabled up to the maximum benefit amount. This benefit is guaranteed issue, with no pre-existing conditions exclusion. OPTION 1 OPTION 2 OPTION 3 Weekly Benefit Amount $ $ $ Elimination Period 14 days 14 days 14 days Benefit Duration 26 weeks 26 weeks 26 weeks

7 > Cost-effective response to the demands of today s workplace > A wide array of the most wanted employee benefit coverages in one package > Easy customization from maximum coverage to maximum affordability > First-dollar benefits paid directly to insureds to use as they choose > Cutting-edge technology, administration and service to make it all work Value-Added Non-insurance Services Discount Programs 8 Unless otherwise specified, these items are not insurance. These coverages and services are neither underwritten nor provided by National Union Fire Insurance Company of Pittsburgh, Pa. (National Union). National Union assumes no responsibility or liability for any of the listed services, the providers of the services, the quality of the service, the delivery of the services or the outcomes of the services. Questions or concerns about the services should be addressed directly to the providers. Prescriptions Over 59,000 local and national pharmacy locations accept the card. Cardholders save up to 65% on medications including nearly all brand and generic prescriptions. With over 60,000 drugs covered by the card, cardholders save on prescriptions not covered in other plans. Everyone in the family is included and there are no annual discount limits and no expiration date. Dental Members save up to 50% on dental fees from nearly 70,000 nationwide dentists providing general and specialized dental services including: preventative, diagnostic and restorative dentistry, oral surgery, endodontics and orthodontics. There are no limits on the services provided. Vision Members receive up to 50% savings when they purchase eyewear or receive eye care at participating OUTLOOK vision providers. Over 11,000 national and regional vision care centers participate in the discount program. Hearing EPIC offers a national alliance of independent ear physicians and audiologists dedicated to high-quality hearing care. Members can save between 35% and 50% on name-brand hearing aids and products to protect and improve hearing. MRI and Imaging Savings up to 70% on MRI, P.E.T. and CT scans at over 3,900 facilities nationwide. Lab Members receive up to 60% savings. Use our online search tool to locate a provider near you and schedule your prepaid tests. Our provider contracts ensure a competitive price on all tests. All savings are visible to the member with online transparent pricing tool. Test results are shared with member within hours. Teladoc Teladoc is the first and largest provider of telehealth medical consultations in the United States, providing over 3 million members 24/7 access to affordable healthcare via phone and video consultations whenever they need it, from wherever they are. As opposed to more expensive settings like the doctor s office or emergency room, Teladoc provides its members with 24/7/365 access to quality care from their home or office to help reduce healthcare costs for businesses and their employees. 8 these value-added discounts and services are not insurance. The plans provide discounts at certain healthcare providers for medical services. The plan does not make payment directly to the providers of medical services. You are obligated to make payment for services but you will receive a discount from those providers contracted with the plan.

8 Chartis The product Strength and expertise of an insurance leader To Meet Customer Needs, We Have to Ask the Right Questions At Chartis, we believe in asking our clients the right questions to ensure that we deliver great customer service: > What changes are you making to your major medical plan and what coverage gaps exist as a result? > What additional services could you offer your customers as part of their limited benefit medical insurance package? > How can you educate your employees most effectively on their benefits available to them? Working collaboratively to uncover potential coverage gaps and needs, we can help our customers select a plan that best meets the needs of their organizations. Customer Service Exceeding Your Expectations When you partner with Chartis, our passion for exceptional customer care will exceed your expectations and those of your clients. We consistently deliver the highest service standards in the industry through our unparalleled expertise and responsiveness. Our people are at the center of everything we do at Chartis. They take great pride in tackling challenges and resolving problems. Their expertise, resourcefulness and dedication allows us to deliver the best-in-class service that our clients have come to expect from Chartis. Who We Are With a 90-year history, Chartis is a world leading property-casualty and general insurance organization serving more than 45 million clients in over 160 countries and jurisdictions. Providing one of the industry s most extensive range of products and services and backed by excellent claims expertise and financial strength, we enable our commercial and personal insurance clients alike to manage virtually any risk with confidence. Within the specialized accident and health benefits industry, our global reach and appetite for risk enables us to meet specific needs that other traditional and voluntary benefits carriers often cannot. Drawing from our breadth and depth of market and underwriting expertise, we collaborate with our broker partners to uncover unmet needs, address critical insurance gaps and determine cost-effective methods that align with the best practices of risk and human resource management today. Our flexible array of employer-funded, employeepaid, and self-insured group benefit solutions can be tailored to the needs of your clients from large multinational and mid-sized companies to small businesses and entrepreneurs.

9 Frequently Asked Questions Q: Are pre-existing conditions covered by the Limited Benefit Health Insurance? A: Yes, pre-existing conditions are covered; however, there is a 12-month pre-existing condition limitation on the critical illness benefit only. Q: Is maternity covered by the Limited Benefit Health Insurance? A: Yes, maternity is covered as any other condition. Q: Will insureds receive an ID card? A: Yes, personalized, plastic and wallet-friendly ID cards are sent to each insured person. The fulfillment kit also contains phone numbers, web links and information on how to use all the benefits included in the Flex Shield Plus program. Q: Can the insureds use any doctor or hospital with the Flex Shield Plus plans? A: Yes, they may go to any doctor or hospital. However, they can receive discounts for covered medical visits when they visit a participating provider in the nationwide network included with the plan. Q: Regarding the Limited Benefit Health Insurance benefit, is there a copayment amount? Is there a deductible? A: There are NO copayments or deductibles associated with the Limited Benefit Health Insurance. Q: How do insureds pay for doctor visits or file claims? A: at the time of a visit, they should present their ID cards to providers. The ID card has all the information the provider needs to verify benefits and file claims. The providers may require the full amount due at the time of service if insureds are filing their own claims. There are no claim forms necessary. The insureds or their providers should simply send itemized statements, detailing their medical visits, to the claims address printed on the ID card. Q: What if an insured needs to go to the doctor and either has lost their card or has not received them yet? A: If coverage is in effect and the insured does not have their ID card or has lost their card, contact Harrington Health, administrator for this program at: Harrington Health will provide verification of coverage to the hospital or doctor and the information necessary to process the claim. Q: How do the discount programs work? Do insureds need to file a claim? A: With Flex Shield Plus Value-Added Non-Insurance Services including prescription, vision, dental, etc., there are no claims to file. The discount is provided at the time of service. So it is important that the insureds present their cards during their visits. Q: When can insureds begin to use the discount non-insurance services? A: the discount card benefits are available for immediate use for insureds and their families. For more information about our Flex Shield Plus program, call or LimitedMedical@harringtonhealth.com. Limited Benefit Health Insurance is not basic health insurance or major medical coverage and is not designed as a substitute for basic health insurance of major medical coverage. Benefits may vary from state to state. This document provides only brief descriptions of the coverages available. The policies contain reductions, limitations, exclusions and termination provisions. Full details of the coverage are contained in each policy. If there are any conflicts between this document and each Policy, the Policy (series N20000 through N20010) shall govern. Not all coverages are available in every state. Limited Benefit Health Insurance is underwritten by National Fire Insurance Company of Pittsburgh, Pa. with its principal place of business at 175 Water Street, 18th Floor, New York, NY /12