Insurance

1. Insurance

2. Basic Insurance Information Insurance Company: AIG Europe Insurance Policy #: 4.083.739 Policy Holder: Nacel Billing Address: 1536 Hewitt Ave. Box 268, St. Paul, MN 55104 Telephone # 1-800-622-3553 Contact Person: Alexander Yermishkin

3. How it Should Work 1. Student needs medical assistance 2. Goes to a clinic or a hospital 3. Gives insurance information to the provider (insurance card, billing address, telephone number) 4. Clinic/Hospital sends the health insurance claims forms to NOD 5. Student/Host family sends the student claim form and any additional documents to NOD 6. NOD receives both forms, reviews, and submits them to AIG in France

4. Hospitalization and Surgery If the student needs emergency medical assistance that will require Hospitalization or Surgery – AIG Prior Approval office must be contacted at 1-800-262-2427. Host family will be asked to provide as much information about the injury/illness as possible. They will then open a case for the student and will work directly with the clinic/hospital for payment.

5. What is Not Covered by our Student Insurance Policy? Physical examinations (sports physical, annual exams, etc.) Immunizations, vaccinations and tests required by school, should the student need them for registration Routine dental checkups, cleanings, and any procedures that are not emergencies, or are the direct result of a Guaranteed Accident Mental disorders (eating disorders, depression, insomnia, etc.) Anything related to the back (chiropractor, backaches, etc.) Prior conditions (anything relating to an accident/illness that accrued prior effective dates) For a comprehensive list of the exclusions of coverage consult the insurance certificate

6. GEE Insurance All of the GEE students have their own insurance and their claims should be sent to : MedCare International, Inc. 12480 West Atlantic Boulevard Suite 2 Coral Springs, FL 33071 Tel: 954-345-5650

7. Liability Insurance No Liability Insurance

8. Nacel Open Door QUESTIONS?