International Insurance Solutions

1. International Insurance Solutions Prepared for The Forum for Expat ManagementDFW Chapter

2. Agenda About ITG Worldwide Products Advantages of a Broker Short-Term Travel Foreign National/U.S. Inpats Long Term U.S. Expats High Risk Coverage Contact Information

3. About Us Over 25 years experience in the international health insurance market Well-established relationships with all major international insurance carriers Extensive product knowledge with solutions to fit a wide range of client needs Dedicated Policyholder Services Manager

4. Products International health insurance for individuals and groups Travel medical and trip cancellation insurance Medical and political evacuation insurance War Zones – Defense Base Act, High Risk, Kidnap & Ransom Life, AD&D and LTD Custom designed programs including self insured

5. Advantages of a Broker Broker has freedom to choose best fit for client from an array of carriers and products – not limited to one carrier’s product line Employers can leverage broker relationships with carriers Broker’s loyalty is to the client not the carrier Dedicated policy services and support to employer and employees

6. Short-Term Travel Defined as six months or less(cumulative or consecutive) • After six months the domestic health insurance residency clause goes into effect; employee considered uninsured and claims will automatically be denied (residency clause may be omitted from some self-insured plans) Things to consider: • Does the employee have a pre-existing or current condition? • Will they need sojourn or dependent coverage? • Do they require additional AD&D coverage? • Does their domestic life policy follow them outside the U.S.? • Do they need war and/or terrorism coverage?

7. Foreign Nationals – U.S. Inpats Do you provide coverage for short-term inpats? If yes, what benefits are covered and how does the plan work? • Direct pay or expense reimbursement basis? • How are large claims or hospitalizations handled? • Are pre-existing conditions covered? • Are family members covered if traveling with employee? • Are there benefits for medical evacuation to home country, bedside visit or repatriation of remains?

8. Foreign Nationals – U.S. Inpats If no, does home country health plan cover them in the U.S.? Consequences: • Risks of inadequate coverage or no coverage • No doctor referral sources • No PPO discounts • Inconvenient for employee -- paying costs upfront may be difficult • Hidden soft costs -- employees may go home for treatment rather than completing their assignment • May not have repatriation of remains, bedside visit or medical evacuation

9. Long-Term U.S. Expats Defined as six months or more • Again, residency clause goes into effect once they are outside the country 180 days or more cumulative or consecutive and may be omitted from self insured plans. Things to consider: • Does the employee have a pre-existing or current condition? • Do they require additional Life, AD&D or LTD coverage? • Short Term Disability is not available with international plans • U.S. benefits with HIPAA compliant carrier • Repatriation of Remains • Employee on assignment/family coverage

10. High Risk Coverage When is high risk coverage necessary? Where is high risk coverage necessary? • All of Latin and South America (specifically Mexico, Colombia, Venezuela & Panama). • In Africa the big countries are: Nigeria, Kenya, Somalia, Sudan and Chad  • In Middle East:  All of the countries except UAE • Far East:  Indonesia & Philippines Types of coverage: • War and Terrorism Coverage • Kidnap & Ransom Insurance

11. companies solve the complex challenges of global business Worldwidehelping

12. Contact Information Kristin Ash Sales Director 972.722.6399 Dallas Office 415.786.3424 Mobile 415.373.0786 Fax kristin@itgworldwide.com Tami Pettitt Policy Services Manager 415.599.4462 Novato Office 877.598.8646 Toll-Free 415.373.0786 Fax tamip@itgworldwide.com Vicki Sutton-Beattie Sales and Marketing Coordinator 415.599.4615 Novato Office 877.598.8646 Toll-Free 415.373.0786 Fax vickisb@itgworldwide.com William Cole Vice President 858.755.4900 San Diego Office 858.213.4111 Mobile 415.373.0786 Fax willc@itgworldwide.com