UnitedHealthcare Global Intelligence Center

Transcription

1 UnitedHealthcare Global Intelligence Center The Global Intelligence Center is the hub for online tools such as: World Watch for security intelligence Medical Intelligence Reports for medical intelligence TSM Essentials Travel Briefing for quick, 2-page briefings on popular city destinations Airline Risk Rating for a review of commercial airlines Travel Security Manager for monitoring employee travel and risk Daily Security Alerts sign-up to receive daily briefings of global events Please Note: Some customers of UnitedHealthcare Global have combinations of these tools included in their program, but not all do. Please check your program or call your administrator to determine if you are eligible for access. For questions or assistance with the Global Intelligence Center, Global Intelligence Center Support. Mobile Global Intelligence Center On a mobile device? Visit m.members.uhcglobal.com for our mobile optimized Global Intelligence Center. Designed specifically for travelers on the go who need to access our key destination intelligence and alerts. Provides country level medical and security content pulled from our World Watch and Medical intelligence report online tools (dependent upon your organization's subscriptions). Optimized for reading on most mobile devices. For user instructions, click here.

2 Create yourself as a UHC Global user Click Member Log In 3. Click Visit Global Intelligence Center 4. Create User You will receive the information below once you Create User: Welcome Students, Faculty, Staff, Alumni, Volunteers and their dependents working or traveling on school-sponsored programs outside of their home country can now obtain emergency medical, travel, and personal security assistance 24 hours a day, anywhere in the world through FrontierMEDEX, a leading provider of international travel assistance services. Your SECURE program provides you with access to the 24/7 FrontierMEDEX Emergency Response Center and includes emergency medical and security evacuation and repatriation. Please read the full SECURE Program Description for a complete description of services and benefits. These services are subject to certain Conditions, Limitations, and Exclusions also described in the program description. Global Assistance ID Card When calling UnitedHealthcare Global Assistance, provide your name and Global Assistance ID. You can always call UnitedHealthcare Global Assistance collect at International Toll-Free numbers» Open a Case» How to use Global Assistance 1. Always carry your UnitedHealthcare Global Assistance ID card when traveling. Expatriates are covered on a full-time basis while on assignment. 2. If you suffer a medical emergency, go immediately to the nearest physician or hospital without delay and then contact UnitedHealthcare Global Assistance. 3. For help with medical, travel, and security problems, call UnitedHealthcare Global Assistance using one of the country-specific toll-free numbers printed on the back of the card. If you are in a country not listed, call the Emergency Response Center collect ( ). 4. A multilingual Assistance Coordinator will ask your name, your organization's name, your UnitedHealthcare Global Assistance ID number (shown on your ID card) and a description of the situation. 5. Assistance will be given and UnitedHealthcare Global Assistance will monitor your case until the situation is resolved.

3 Latest Alerts Medical 11/21/ Plague - Madagascar Security 11/24/ U.K. FCO updates travel advice to include information on plague outbreak (Madagascar) 11/24/ U.S. Embassy issues Security message regarding travel to Guerrero state (Acapulco, Mexico) 11/24/ Rail strike disrupts services in Portugal (Portugal) 11/24/ Transportation disrupted throughout Belgium due to general strike (Antwerp, Belgium) Pre-Travel Checklist Are you ready to travel? Check to see if you've completed everything on UnitedHealthcare Global Assistance checklist which includes items on: Education & Awareness Travel Documents Travel Itinerary Health Security Safe Havens Finance Click here to download Important Contact Information Contact UnitedHealthcare Global Assistance: You can always call UnitedHealthcare Global Assistance collect at TOLL-FREE ACCESS - The numbers below must be dialed from within the country. If your location is not listed or the call will not go through, call the 24-hour UnitedHealthcare Global Assistance Emergency Response Center collect. Australia and Tasmania: Austria: Belgium: Brazil: China(northern regions): * China(southern regions): * Dominican Republic: Egypt(inside Cairo): * Egypt(out of Cairo): * Finland:

4 France and Monaco: Germany: Greece: Hong Kong: India: Indonesia: Israel: Italy, Vatican City and San Marino: Japan: Mexico: Netherlands: New Zealand: Philippines: Portugal: Republic of Ireland (Eire): Republic of South Africa: Singapore: South Korea: Spain and Majorca: Switzerland and Liechtenstein: Thailand: Turkey: U.K., N. Ireland, Isle of Jersey, the Channel Isles and Isle of Man: United States, Canada, Puerto Rico, US Virgin Islands, Bermuda: * Dial the first portion of phone number, wait for tone, and then dial remaining numbers. Travel Guides What You Should Know Before Traveling Abroad: Cultural, Health and Safety Advice for Female Study Abroad Participants Health and Security Risks in China What Every School Should Know Before Sending Students Abroad: Part I, Medical Precautions and Preparations Part II, Security Precautions and Preparations

5 Fran lermecex GO FURTHER. DO M ORE. o ASSISTANCE PROGRAM DESCRIPTION I L A comprehensive program providing 24/7 emergency medical and travel assistance services when You are outside Your Home Country or 100 or more miles away from Your permanent residence in Your Home Country. The program also provides emergency security assistance services when You are outside of Your Home Country. Expatriates are eligible regardless of distance from Your expatriate residence while outside of Your Home Country. HolV To Use FrontierMEDEX Services 24 hours B day, 7 days a week, 365 days a year FrontierMEDEX is Your key to travel security. If You have a medical, personal safety or travel problem, simply call Us for assistance. Our toll-tree and collect-call telephone numbers are printed on Your ld card. Either call the toll-tree number of the country You are in, or call the Emergency Response Center collect at: Baltimore, Maryland A multilingual assistance coordinator will ask for Your name, Your company or group name, the group number shown on Your ID card, and a description of Your situation. We will immediately begin assisting You. A full listing of services follows. If the condition is a medical emergency, You should go immediately to the nearest physician or hospital without delay and then contact the 24-hour Emergency Response Center. In the event of emergency security situation, You should immediately get to a safe location and then contact the Emergency Response Center. We will then take the appropriate action to assist You and monitor Your care until the situation is resolved. Your program provides You with Security & Political Evacuation Services, Destination Intelligence, Medical Evacuation & Repatriation Services. Medical Assistance Services. and Travel Assistance Services as described below. These services are subject to certain Conditions and Limitations also described below. Contacts: Toll Free:

6 }IEDICAL ASSISTANCE SERVICES Worldwide Medical and Dental Referrals: We 'will provide referrals to help You locate appropriate treatment and quality care. Monitoring of Treatment: Our assistance coordinators will continually monitor Your case. In addition, FrontierMEDEX Physician Advisors provide Us consultative and advisory services, including review and analysis of the quality of medical care You are receiving. Facilitation of Hospital Payment: Upon securing payment or a guarantee to reimburse, We will either wire funds or guarantee required emergency hospital admittance deposits. You are ultimately responsible for the payment of the cost of medical care and treatment, including hospital expenses. Transfer of Insurance Information to Medical Providers: We will relay insurance benefit information to help prevent delays or denials of medical care. We will also assist with hospital admission and discharge planning. Medication, Vaccine and Blood Transfers: In the event medication, vaccines, or blood products are not available locally, or a prescription medication is lost or stolen, We will coordinate their transfer to You upon the prescribing physician's authorization, if it is legally permissible. Dispatch of Doctors/Specialists: In an emergency where You cannot adequately be assessed by telephone for possible evacuation, or You cannot be moved and local treatment is unavailable, We will send an appropriate medical practitioner to You. Transfer of Medical Records: Upon Your consent, We will assist with the transfer of medical information and records to You or the treating physician. Continuous Updates to Family, Employer, and Home Physician: With Your approval, We will provide case updates to appropriate individuals You designate in order to keep them informed. Hotel Arrangements for Convalescence: We will assist You with the arrangement of hotel stays and room requirements before or after hospitalization. Replacement of Corrective Lenses and Medical Devices: We will coordinate the replacement of corrective lenses or medical devices if they are lost, stolen, or broken during travel., f~.. r'" The following services are available if the Participant suffers an Injury or a sudden and unexpected Illness: Emergency Medical Evacuation: If You sustain an Injury or suffer a sudden and unexpected Illness and adequate medical treatment is not available in Your current location, We will arrange and pay for a medically supervised evacuation to the nearest medical facility We determine to be capable of providing appropriate medical treatment. Your medical condition and situation must be such that, in the professional opinion of the health care provider and FrontierMEDEX, You require immediate emergency medical treatment, without which there would be a significant risk of death or serious impairment. Transportation to Join a Hospitalized Participant: If You are traveling alone and are or will be hospitalized for more than three days due to a covered Illness or Injury, We will coordinate and pay for economy round-trip airfare for a person of Your choice to join You. Return of Dependent Children: If Your Dependent child(ren) age 18 or under are present but left unattended as a result of Your Injury or Illness, We will coordinate and pay for one-way economy airfare to send them back to Your Home Country. We will also arrange and pay for the services and transportation expenses of a qualified escort, if required and as determined by FrontierMEDEX. Transportation After Stabilization: Following stabilization of Your condition and discharge from the hospital, We will coordinate and pay for transportation to Your point of origin. Alternatively, We will coordinate and pay for transportation to Your Home Country if We determine that You should return for continuing medical care. We will also arrange and pay for a change to Your existing return travel arrangements if the change is required as a direct result of Your medical condition or treatment. All travel arrangements will be as necessitated by Your medical condition as determined by Your treating physician and FrontierMEDEX. All such arrangements must be coordinated and approved in advance by FrontierMEDEX. 2

7 Repatriation of Mortal Remains: If You sustain an Injury or suffer a sudden and unexpected Illness that results in Your death, We will assist in obtaining the necessary clearances for Your cremation or the return of Your mortal remains. We will coordinate and pay for the expenses of the preparation and transportation of Your mortal remains to Your Home Country. 'A I'IQN..., L '''' C & Slrp O~T Member Center: You will have online access to information about Your program including information about FrontierMEDEX services, an electronic version of this program description as welj as Your ID card, a listing of telephone numbers for contacting FrontierMEDEX, and any online intelligence tools included in this program. MEDEX 360 0m Global Medical Monitor: You will have online access to continuous updates on health information pertinent to Your destination(s) of travel such as immunizations, vaccinations, regional health concerns, entry and exit requirements, and transportation information. Risk Ratings are provided for each country and rank the severity of risk concerning disease, quality of care, access to care, and cultural challenges. World Watch Global Security Intelligence: You will have online access to the latest authoritative infornmtion and security guidance for over 170 countries and 280 cities. Information includes the latest news, alerts, risk ratings, and a broad array of destination information including crime, terrorism, local hospitals, emergency phone numbers, culture, weather, transportation information, entry and exit requirements, and currency. Our global security and medical databases are continuously updated and includes intelligence from thousands of worldwide sources. Custom Travel Reports: Using the MEDEX 360 0m Global Medical Monitor and World Watch online intelligence tools, You are able to create customized, printable health and security profiles for your destination. Hot Spots Travel Alerts: Subscribe through Your Member Center to receive this free daily snapshot of security events from around the world. Listed by region and destination, this bulletin provides a quick review of events that could have a significant impact on travelers. Each event summary includes country threat levels and significant dates. Evacuation Alert Notification: Our intelligence team monitors global events and tracks those that may trigger a need to evacuate a location. We will contact Your program administrator via and alert him/her to the situation to ensure Your security and safety are not compromised. In addition, We will keep Your program administrator updated on any escalation or downgrade in the status of the situation. These notifications are staged between Warning, Alert, and Evacuate as the risk level of the situation increases or eases. Security Analysts: Your program administrator will have 2417 direct access to Our in-house security and intelligence experts to provide consultation, discuss issues, or answer questions during an Emergency Situation.... f. Security Evacuation: In the event of an Emergency Security Situation, We will, on a best-effort basis, arrange and pay for Your evacuation from an international airport or other safe departure point We designate to the nearest safe haven. We will pay for Your evacuation up to and including 168 hours from the time of the FrontierMEDEX Evacuate stage alert. If evacuation becomes impractical due to hostile or dangerous conditions, We will maintain contact with You and advise You until evacuation becomes viable or the Emergency Security Situation has passed. Political Evacuation: In the event the officials of Your Home Country issue a written order that You leave Your Host Country for non-medical reasons, or if You are expelled or declared "persona non grata" on the written authority of Your Host Country, We will, on a best-effort basis, arrange and pay for Your evacuation from an international airport or other safe departure point We designate to the nearest safe haven. We will pay for Your evacuation up to and including 168 hours from the time of evacuation notice given by the recognized government of Your Home Country or Host Country. Transportation to Departure Point: As part of a Security or Political Evacuation, FrontierMEDEX will, on a best-effort basis, arrange and pay for ground transportation to the designated international airport or other safe departure point. We will also arrange and pay for the cost of services to protect Your safety while assembled or during evacuation if required and as deternlined by FrontierMEDEX. Transportation After Security or Political Evacuation: Following a Security or Political Evacuation and when safety allows, We will coordinate and pay for one-way economy airfare to return You to either Your Host Country or Your Home Country. 3

8 TRAVEL ASSISTA. CE S 'RVICES Replacement of Lost or Stolen Travel Documents: We will assist You in taking the necessary steps to replace passports, tickets, and other important travel documents. Emergency Travel Arrangements: We will make new reservations for airlines, hotels, and other travel services in the event of an Illness or Injury or Emergency Security Situation. Transfer of Funds: We will provide You with an emergency cash advance subject to Us first securing funds from You or Your family. Legal Referrals: Should You require legal assistance, We will direct You to an attorney and assist You in securing a bail bond. Translation Services: Our multilingual assistance coordinators are available to provide immediate verbal translation assistance in a variety oflanguages in an emergency; otherwise We will provide You with referrals to local interpreter services. Message Transmittals: You may send and receive emergency messages toll-free, 24-hours a day, through Our Emergency Response Center. PROGRAM DEFINITIONS The following definitions apply: "Dependent" means the Participant's legal spouse; the Participant's unmarried children from birth and under age 19; or under age 23, if enrolled as a full-time student in an accredited college, university, vocational or technical school; and children whose support is required by a court decree. Children include natural children, stepchildren and legally adopted children. They must be primarily dependent on the Participant for support and maintenance and must live in a parent-child relationship with the Participant. A spouse or child who is otherwise included under this program as a Participant will not be eligible as a Dependent. "Emergency Security Situation" means a civil and/or military uprising, insurrection, war, revolution, or other violent disturbance in a Host Country, which results in FrontierMEDEX issuing an Evacuate stage alert through the Evacuation Notification service included in this program. At a minimum, Our evacuation alert will adhere to any formal order to evacuate made by Your Home or Host Country. Emergency Security Situation does not include Natural Disasters. "Enrollment Period" means the period of time for which You are validly enrolled for your FrontierMEDEX program and for which We have received the appropriate enrollment fee. "Expatriate" means individual traveler whose trips exceed 90 consecutive days or whose travel exceeds 180 days in a 12-month period. "FrontierMEDEX Physician Advisors" means physicians, retained by FrontierMEDEX to provide Us with consultative and advisory services, including the review and analysis of the quality of medical care You are receiving. "Home Country" means the country or territory as shown on Your passport or the country where You have Your permanent residence. "Host Country" means a country or territory You are visiting or in which You are living which is not Your Home Country. "Illness" means a sudden and unexpected sickness that manifests itselfduring Your Enrollment Period. "Injury" means an identifiable accidental injury caused by a sudden, unexpected, unusual, specific event that occurs during Your Enrollment Period. "Natural Disaster" means an event occurring directly from natural cause, including but not limited to, earthquake, flood, storm (wind, rain, snow, sleet, hail, lightning, dust or sand), tsunami, volcanic eruption, wildfire or other similar event that results in such severe and widespread damage that the area of damage is officially declared a disaster area by the government of the Home or Host Country or an evacuation alert is issued by FrontierMEDEX. "Participant" means a person validly enrolled for a FrontierMEDEX program and for whom We have received the appropriate enrollment fee. "We," "Us," and "Our" means FrontierMEDEX. "You" and "Your" means the Participant. The services described are available to You only during Your Enrollment Period. Medical services are available to You only when You are outside Your Home Country or 100 or more miles away from Your permanent residence in Your Home Country. Security services are available to You only when You are outside of Your Home Country. Expatriates are eligible for medical and security regardless of distance from Your expatriate residence while outside of Your Home Country. We will only cover transportation costs if We have given Our prior approval or if those services are coordinated by Us. 4

9 We have sole discretion in making the deternlination as to whether We will cover the cost of Emergency Medical Evacuations. Our decision will be based on medical considerations, including the opinions of the treating physicians, FrontierMEDEX Physician Advisors and Our medical director with respect to Your condition and ability to travel. We will determine the appropriate method, destination, and timing of any evacuation. The destination will be the nearest facility capable of providing appropriate care, as determined by Us. We have sole discretion in making the coverage determination for Your Transportation After Stabilization. Our determination will be based on Your need for continuing medical care. We will not return You to Your Home Country for the sole sake of Your convenience. We reserve the right to determine, at Our sole discretion, the need for a security evacuation and the means, method, and timing of that security evacuation. Our security personnel will consult relevant governments, security analysts, and the sponsor of Your FrontierMEDEX program. At a minimum, Our decision will adhere to any formal order to evacuate issued by Your Home or Host Country. You will be responsible for all transportation and living expenses while at the safe haven. The decision to travel is the sole responsibility of the traveler. If the Participant refuses a Security or Political Evacuation, We will not be liable for expenses incurred for evacuation after the date for which the Security or Political Evacuation is scheduled. Our obligation to pay for Your Security and/or Political Evacuation will be limited to a maximum of $ 100,000 USD per person per Emergency Security Situation. Eligible expenses include Transportation to Departure Point to a maximum limit of $1,500 per person per Security or Political Evacuation and, if required, costs to protect Your safety while assembled or during evacuation. In the event We are arranging transportation by commercial air and You hold an original return airline ticket, We may use that ticket and are only responsible for any applicable change fees. We are not responsible for the availability, timing, quality, results of, or failure to provide any medical, security, legal or other care or service caused by conditions beyond Our control. This includes Your failure to obtain care or service or where the rendering of such care or service, including paid Medical Evacuations from Cuba and paid Security or Political Evacuations from Cuba, Iran, and North Korea, is prohibited by U.S. law, local laws, or regulatory agencies. Your legal representative shall have the right to act for You and on Your behalfifyou are incapacitated or deceased. We shall not be responsible for any costs or expenses arising from: (I) Hospital or medical expenses of any kind or nature unless those expenses are part of the Emergency Medical Evacuation or Transportation After Stabilization. (2) Your traveling against the advice of a physician or traveling for the purpose of obtaining medical treatment. (3) Taking part in military or police service operations. (4) The commission of, or attempt to commit, an unlawful act. (5) Pregnancies except in the case of a major, vital complication during the first two trimesters of pregnancy which presents a clear and significant risk of death or imminent serious injury or harm to the mother or fetus. (6) Initial transportation to local facilities, including ground ambulance fees. (7) Mountaineering or rock climbing necessitating the use of guides or ropes, spelunking, skydiving, parachuting, ballooning, hang gliding, deep sea diving utilizing hard helmet with air hose attachment, racing of any kind other than on foot, bun gee jumping, operating a vehicle when not properly licensed, or participating in professional sports unless otherwise agreed in writing by Us prior to Your Enrollment Period. (8) Incidental expenses, including but not limited to accommodations, local transportation, meals, telephone, and facsimile charges. (9) Subsequent Medical Evacuations for the same or related medical condition, regardless of location, or more than one Security or Political Evacuation from a country or territory per individual per annual term. (10) Failure to properly procure or maintain immigration, work, residence or similar type visas, permits or documents. (II) Security or Political Evacuations from Your Home Country. (12) Security or Political Evacuations when the Emergency Security Situation precedes Your arrival in the Host Country, or when the Evacuate stage notification issued by FrontierMEDEX has been posted for a period of more than 168 hours. (13) Security or Political Evacuation assistance directly or indirectly related to a Natural Disaster. (14) Medical Evacuation assistance directly or indirectly related to a Natural Disaster that precedes Your arrival. (15) The actual or threatened use or release of any nuclear, chemical or biological weapon or device, or exposure to nuclear reaction or radiation, regardless of contributory cause. 5

10 , ED OFS You or a responsible party on Your behal f shall either pay the cost of medical care and treatment, including hospital expenses directly or shall reimburse Us upon demand for all such costs and expenses which may be imposed upon Us by health care providers for the cost of medical care and treatment, including hospital expenses, or related assistance services either authorized by You or deemed to be advisable and necessary by Us under urgent medical circumstances, to the extent that such expenses are not Our responsibility. Such reimbursement shall be without regard to the specific terms, conditions, or limitations of any insurance policies or benefits available to You. We shall be fully and completely subrogated to Your rights against parties who may be liable for the payment of, or a contribution toward the payment of, the costs and expenses of assistance services provided by Us or medical care and treatment, including hospital expenses, in the event that We payor contribute to the payment of them. You must assign to Us any and all rights of recovery under any such insurance plans, including any occupational benefit plan, health insurance, or other insurance plan or public assistance program, up to the sum of any payments by Us. MGS-MSSS-COL-06Il 6

11 Fron_ iermecex GO FURTHER. DO MORE. NAT Al DISASTER SERVIC MEN ME T When included as a part of your FrontierMEDEX Security Service assistance program, this amendment changes certain terms and conditions of the FrontierMEDEX program description. Changed terms and conditions are listed below. All other conditions will remain in effect as indicated in Your original FrontierMEDEX program description. \Tl R.\L DI~A~l ER E\-ACL \1'10:\ SEH.\'L( E~ Natural Disaster Evacuation: In the event of a Natural Disaster, We will, on a best-effort basis, arrange and pay for Your evacuation from a safe departure point We designate to a safe haven of Our selection. We will pay for Your evacuation up to and including 168 hours from the time an Evacuate stage notification is issued by FrontierMEDEX. If evacuation becomes impractical due to hostile or dangerous conditions, We will maintain contact with and advise You until evacuation becomes viable or the Natural Disaster has passed. Transportation to Departure Point: As part ofa Natural Disaster Evacuation, We will, on a best effort basis, arrange and pay for ground transportation to the designated international airport or other safe departure point. We will also arrange and pay for the cost of services to protect Your safety while assembled or during evacuation if required and as determined by FrontierMEDE'x. Transportation After Natural Disaster Evacuation: Following a Natural Disaster Evacuation and when safety allows, We will coordinate and pay for one-way economy airfare to return You to either Your Host Country or Your Home Country. "Natural Disaster" means an unforeseen event occurring directly from natural cause, including but not limited to, earthquake, flood, storm (wind, rain, snow, sleet, hail, lightning, dust or sand), tsunami, volcanic eruption, wildfire or other similar event that results in such severe and widespread damage that an Evacuate stage alert is issued by FrontierMEDEX In no event, shall a Natural Disaster be deemed to apply to a marine vessel, ship or watercraft of any kind. Our obligation to pay for Your Natural Disaster Evacuation will be limited to a maximum of $1 00,000 USD per person per Natural Disaster. Eligible expenses shall include Transportation to Departure Point to a maximum of $1,500 USD per person per Natural Disaster Evacuation and, if required, costs to protect Your safety while assembled or during evacuation. Food, lodging and incidental expenses at the safe haven are not included. The decision to travel is the sole responsibility of the traveler. If the Participant refuses a Natural Disaster Evacuation, We will not be liable for expenses incurred for evacuation after the date for which the Natural Disaster Evacuation is scheduled. We are not responsible for the availability, timing, quality, results of, or failure to provide any medical, security, legal or other care or service caused by conditions beyond Our control. This includes Your failure to obtain care or service or where the rendering of such care or service, including paid Natural Disaster Evacuations from Cuba, Iran, and North Korea, is prohibited by U.S. law, local laws, or regulatory agencies. We shall not be responsible for any costs or expenses arising from: a) Travel arrangements that were neither coordinated nor approved by Us in advance. b) Natural Disaster Evacuations when the Natural Disaster or the event directly giving rise to it precedes Your arrival. FM-NDS-06ll

12 Fron lermecex GO FURTHER. 00 MORE. T KE ME HO END T E When included as a part of your FrontierMEDEX Medical Service assistance program, this amendment changes certain terms and conditions of the FrontierMEDEX services program. Changed terms and conditions are listed below. All other conditions will remain in effect as indicated in Your original FrontierMEDEX program description. MEDICAL EVACUATION & REPATRIATION SERVICES Emergency Medical Evacuation: If You sustain an Injury or suffer a sudden and unexpected Illness that results in Your hospitalization, We will arrange and pay for a medically supervised evacuation to a hospital of Your choice near Your permanent residence, if it is determined Your hospitalization can be completed at that hospital. If it is determined that transporting You to a hospital near Your pernmnent residence could jeopardize Your health based on your condition, and adequate medical treatment is not available in Your current location, We will arrange and pay for a medically supervised evacuation to the nearest medical facility We determine to be capable of providing appropriate medical treatment. For any evacuation to occur, Your medical condition and situation must be such that, in the professional opinion of the health care provider and FrontierMEDEX, You require immediate emergency medical treatment, without which there would be a significant risk of death or serious impairment. CONDITIONS AND LIMITATIONS The services described are available to You only during Your Enrollment Period. We have sole discretion in making the determination as to whether We will cover the cost of Emergency Medical Evacuations. Our decision will be based on medical considerations, including the opinions of the treating physicians, FrontierMEDEX Physician Advisors and Our medical director with respect to Your condition and ability to travel. We will detern1ine the appropriate method, destination, and timing of any evacuation. The destination will be the facility You indicate to FrontierMEDEX that is in Your Home Country and near Your permanent residence. Evacuation flights to the facility near Your permanent residence will only be performed if Your hospitalization is required, if Your hospitalization can be completed at a hospital closer to Your pernmnent residence, and You are unable to return home via commercial airline without the assistance of a medical escort. If Your condition prevents You from being evacuated home in a medically safe manner, FrontierMEDEX will evacuate You to the nearest facility capable of providing appropriate care, as determined by Us. FM-TMH-0611

13 Emergency Response Center 8501 LaSalle Road I Suite 200 I Baltimore, MD I USA Toll-free North America: Worldwide collect: Fax: [email protected] PRE-TRAVEL CHECKLIST Education and Awareness Review a current country report from UnitedHealthcare Global, the U.S. Government, or other reliable source for your destination locations. Ensure that you are aware of the security risks in the countries to be visited and appropriate actions are taken, as recommended in country reports and travel advisories. Ensure that you are aware of the political situation in your destination. Ensure that you are aware of any key dates, holidays, or events that may occur during your visit. Register with your country s embassy or consulate. U.S. citizens can register through the U.S. State Department s travel website Travel Documents Confirm your passport is current, with a minimum 6 months prior to expiration longer for expatriates. Confirm all visa requirements will be met and are current. Be aware of any applicable arrival or departure taxes that you may encounter. Have photocopies of all travel documents, including passport, visa and tickets. Carry one set separate from originals and leave one set at home or with a friend or relative. Travel Itinerary Confirm all travel accommodations and bookings prior to departure. Ensure a family member / your supervisor has a copy of the itinerary and schedule. Ensure you have your family member / supervisor s contact information in case the itinerary changes. Obtain the weather forecast for your destinations. Health Are you fit to travel? Obtain details of your destination s travel health risks and learn how to avoid contracting these health risks in Global Medical Intelligence Keep written instructions and copies of prescriptions that may be required. Be sure to refer to pharmaceuticals by their generic name(s) and know the dosages. Have sufficient quantities of your prescription medication, including extra for any travel delays that may be experienced bring them in carry-on luggage in their original containers with corresponding prescriptions UnitedHealth Group Incorporated. The service marks contained in this literature are owned by UnitedHealth Group Incorporated and its affiliated companies, many of which are registered and pending service marks in the United States and in various countries worldwide. Confidential property of UnitedHealth Group Incorporated. Do not reproduce or redistribute without the expressed written consent of UnitedHealth Group Incorporated. UnitedHealth Group cannot guarantee clinical outcomes. Products and services may be limited or excluded by applicable law.

14 Obtain necessary vaccinations against infectious diseases. Bring an extra pair of eye glasses, contacts and contact solution. Security Have a check-in procedure with your family or employer, including established dates and times for checking in. Do not carry any non-essential credit cards, bank cards, and ID cards. Prior to departure, arrange transportation plans to travel from the airport to your destination. Determine if you will have cell phone service at your destinations. Consider purchasing an international calling card. Bring a small flashlight with extra batteries. Bring battery chargers and power converters/adapters. Use covered luggage tags that use your office or a relative s address. Medical Case Contact UnitedHealthcare Global to provide the following: Name, Date of Birth, contacts Note your UnitedHealthcare Global ID # Location (city, state, country) Treating Physician name, specialty, contacts (phone numbers, address) Treating facility name and contacts (phone numbers, address) Information on the medical conditions: medical reports, etc. Consent to Release Medical Information (specify to whom) Security Case Contact UnitedHealthcare Global to provide the following: Name, Date of Birth, contacts Note your UnitedHealthcare Global ID # Location (city, state, country) Specific security concerns Medical or Evacuation In addition to the information requested for a medical case, contact UnitedHealthcare Global with the following information for the patient and any traveling companion: 2014 UnitedHealth Group Incorporated. The service marks contained in this literature are owned by UnitedHealth Group Incorporated and its affiliated companies, many of which are registered and pending service marks in the United States and in various countries worldwide. Confidential property of UnitedHealth Group Incorporated. Do not reproduce or redistribute without the expressed written consent of UnitedHealth Group Incorporated. UnitedHealth Group cannot guarantee clinical outcomes. Products and services may be limited or excluded by applicable law.

15 Citizenship Passport: Country where passport was issued Passport number Passport expiration date Machine readable: Yes/No Visa to enter destination country it is important to know ahead of time if a special visa is required to enter a nearby country offering better healthcare (e.g. for Somalia, knowing about Kenya, South Africa, UAE and Western Europe visa requirements depending on the citizenship) Names as they appear on the passport Copy of passport and relevant pages (Main page, entry/exit visas) Date of Birth Local address (hospital, office, home?) Safe Havens Finance Obtain address and contact information for your country s embassy in your destination location. U.S. citizens can locate embassy information online through the U.S. State Department's website. Obtain details for a suitable safe haven, such as a hotel. Ensure that your family / supervisor has the contact information for this location. Obtain sufficient cash for out-of-pocket funds that cannot be put on a credit card. Make a photocopy of your credit card (front and back) to be carried separately UnitedHealth Group Incorporated. The service marks contained in this literature are owned by UnitedHealth Group Incorporated and its affiliated companies, many of which are registered and pending service marks in the United States and in various countries worldwide. Confidential property of UnitedHealth Group Incorporated. Do not reproduce or redistribute without the expressed written consent of UnitedHealth Group Incorporated. UnitedHealth Group cannot guarantee clinical outcomes. Products and services may be limited or excluded by applicable law.

16 Here is your UnitedHealthcare Global Assistance Identification Card Please print this page for your UnitedHealthcare Global Assistance ID Card. When traveling, you can now feel confident that you are in safe hands if an emergency arises. UnitedHealthcare Global Assistance provides medical, security and travel-related assistance services. Always carry your UnitedHealthcare Global Assistance identification card with you. Listed on the back of the card are the telephone numbers for the worldwide UnitedHealthcare Global Assistance network. When you call UnitedHealthcare Global Assistance, be prepared to provide your UnitedHealthcare Global Assistance ID number, organization's name, your name and a description of the situation.

17 UnitedHealthcare Global Assistance Portfolio of Services: Medical Assistance Services Worldwide Medical and Dental Referrals Monitoring of Treatment Facilitation of Hospital Payments Transfer of Insurance Information to Medical Providers Medication, Vaccine and Blood Transfers Dispatch of Doctors and Specialists Transfer of Medical Records Continuous Updates to Family, Employer and Home Physician Hotel Arrangements for Convalescence Replacement Corrective Lenses and Medical Devices Travel Assistance Services Replacement of Lost or Stolen Travel Documents Emergency Travel Arrangements Transfer of Funds Legal Referrals Translation Services Message Transmittals Medical Evacuation & Repatriation Services Worldwide Destination Intelligence Pre-Travel Information Travel and Health Information Personal Security Services Emergency Medical Evacuations Transportation to Join a Hospitalized Member Return of Dependent Children Transportation After Stabilization Repatriation of Mortal Remains Political Evacuation Services Security Evacuation Services Transportation After Political or Security Evacuation Frequently Asked Questions Who is UnitedHealthcare Global Assistance? Since 1977, UnitedHealthcare Global Assistance has been assisting travelers worldwide by utilizing highly trained, multilingual coordinators in conjunction with an extensive information and communication system to provide medical and travel-related assistance. When should I contact UnitedHealthcare Global Assistance?

18 Coordinators are available 24-hours a day, every day of the year. Many time people assume that the services are to be used only in serious cases. Be assured that UnitedHealthcare Global Assistance is there to help you with any type of problem regardless of the severity. What if local medical facilities are inadequate? If, through its medical management, UnitedHealthcare Global Assistance determines that local medical providers are inappropriate for treatment, UnitedHealthcare Global Assistance will arrange for a medically safe evacuation to a facility capable of providing the necessary care. What happens if I am hospitalized? It is important to notify UnitedHealthcare Global Assistance as soon as possible. UnitedHealthcare Global Assistance will immediately contact your treating physician to assess your condition and treatment plans to ensure your safe recovery. UnitedHealthcare Global Assistance will then update your family, employer / organization and personal physician as appropriate. UnitedHealthcare Global Assistance will assist you until you have returned home or have received final treatment.