PATRIOT TRAVEL MEDICAL INSURANCE^sm
Expatriot Plus

ExPatriot Plus^sm: Coverage for those traveling outside their country of citizenship for a minimum of six months up to a maximum of two years.

Renewal of Coverage:
ExPatriot Plus^sm may be renewed for up to two years of total coverage by those traveling outside the US. For those traveling primarily within the US, ExPatriot Plus^sm may be renewed for up to one year of total coverage. A new Deductible and Coinsurance will apply for each 12 months of coverage.

Policy Premiums

ExPatriot Plus Policy Monthly Premiums for non U.S. Citizens traveling outside their country of citizenship.

*For ages 70-79, policy maximum is $50,000.
A dependent child is your child shown on the Enrollment

Premiums effective through 12/31/99.

*See specific policy for age limit.

Benefit Period The Benefit Period is the period of time specified in the Policy Limits. It begins once an eligible incident occurs to the insured. While coverage is in effect under this policy, the Benefit Period does not apply. When coverage under this policy terminates, as defined, Patriot Travel Medical Insurance ^sm will pay eligible expenses for covered Injuries or Illnesses which commenced during the period of coverage for up to, but not exceeding the Benefit Period, subject to the Policy Limits.

Refund of Premium............................

IMG will refund premium only if a written request is received prior to the policy's effective date. The premium is non-refundable after that date.

For Precertification, Emergency Evacuation and Repatriation..............

Please call IMG
in the U.S. 1.800.628.4664
Outside the U.S. 01.317.655.4500
(collect if necessary).

IMG must be notified prior to treatment or within 48 hours of an emergency.

To Report Claims...............................
Please mail to IMG
International Medical Group, Inc.
407 North Fulton Street
Indianapolis, IN 46202 U.S.A.
Please include Identification Number in all correspondence.

This brochure is only a summary of coverage provided. Other conditions and exclusions may apply. Please consult the policy itself for a full description of the coverage. In support of Patriot Travel Medical Insurance ^sm, IMG has established the Group Health, Accident and Travel Insurance Trust, in Washington D.C. The trust owns a master group international travelers insurance policy. Individual certificates of insurance are issued from the master policy. Rates include 2% surplus lines tax.