AmWINS Group Benefits

1. AmWINS Group Benefits AmWINS BridgeCare Short Term Medical Insurance Overview

2. AmWINS BridgeCare Short Term Medical Overview Why Buy Short Term Medical? Simple � you can quickly apply for and have coverage issued Fast � on-line coverage may be issued as early as the next day Affordable �Based on the limited duration of coverage and plan design, usually less expensive than individual major medical coverage

3. AmWINS BridgeCare Short Term Medical Overview Eligibility Guidelines Healthy individuals between the ages of 30 days and age 64 and 11 months Dependent Children through age 18; longer if full time college student (age requirements vary by state) Foreign residents living in the US for at least 12 months (proof of Alien Registration, Visa)

4. AmWINS BridgeCare Short Term Medical Overview AmWINS BridgeCare Plan Designs Length of coverage 1 � 12 months (Varies by State�some states only allow a 6 month policy) Premium Payment Options Monthly via credit card Single Pay via credit card Lifetime (coverage period) Maximum $2,000,000

5. AmWINS BridgeCare Short Term Medical Overview AmWINS BridgeCare Plan Designs Deductible Options $250, $500, $1,000, $2,500, $5,000, $7,500 $250 Deductible not available on 12 month plan Coinsurance 50%/50% to $5,000 80%/20% to $5,000

6. AmWINS BridgeCare Short Term Medical Overview Expenses Covered When incurred while policy in-force When incurred by a covered person as a result of sickness, accident or injury When incurred for services, treatment or supplies prescribed by a physician When incurred for medically necessary care

7. AmWINS BridgeCare Short Term Medical Overview Expenses Covered-continued Covered Medical Services (examples) Inpatient Hospital Services Outpatient Services Health Care Practitioner Services Surgical, Anesthesia Services

8. AmWINS BridgeCare Short Term Medical Overview Exclusions � examples Pre-existing conditions� A medical condition due to sickness or injury which the insured received treatment or advice from a provider within a specified period of time (5 years�varies by state ) Normal Pregnancy Intentionally self inflicted sickness or injury Treatment or services required due to an injury received while participating in any interscholastic or inter-collegiate sport including practice

9. AmWINS BridgeCare Short Term Medical Overview When Coverage Begins Via Internet As early as 12:01 AM the following day Goal is to have most coverage issued via internet Based on Completed Application Answers meet insurer requirements Premium is paid

10. AmWINS BridgeCare Short Term Medical Overview What is the value to you? Almost immediate access to affordable health care Financial protection in the event of unexpected illness or injury Significantly lower cost than traditional health insurance or COBRA Ease in access of obtaining coverage Companion Life -- �A+� rated insurer

11. AmWINS BridgeCare Short Term Medical Overview What is the value to you? No health exam Coverage can begin the next day Freedom to choose any doctor or hospital Plan design options based on needs Credit Card payment Electronic application, certificate and id card issuance RX discount card automatically included

12. AmWINS BridgeCare Short Term Medical Overview Thank You