For Your Safety during Short-Term TripsFor Your Safety during Short-Term TripsUp to Two Years - RenewableUp to Two Years - Renewable

Prepared by Prepared by Good Neighbor Insurance

Patriot Group Patriot Group TravelTravel

OverviewOverview• Intro to Good Neighbor Insurance and IMGIntro to Good Neighbor Insurance and IMG

• Patriot Group Travel Plan BenefitsPatriot Group Travel Plan Benefits

• Pre-existing Condition CoveragePre-existing Condition Coverage

• End of Trip Home Country CoverageEnd of Trip Home Country Coverage

• ClaimsClaims

About GNIAbout GNI• Good Neighbor Insurance (GNI) Good Neighbor Insurance (GNI) was started in a home office was started in a home office

in 1997 by Jeff Gulleson, a former worker in Indonesia for 30 in 1997 by Jeff Gulleson, a former worker in Indonesia for 30 years. Over sixteen years later, we are one of the most years. Over sixteen years later, we are one of the most referred companies protecting and serving both families and referred companies protecting and serving both families and organizations serving abroad through affordable international organizations serving abroad through affordable international health and travel insurance as an independent broker. health and travel insurance as an independent broker.

Link: Link: www.gninsurance.com

Things to rememberThings to remember

• Your U.S. domestic insurance most likely will not cover you overseas and Your U.S. domestic insurance most likely will not cover you overseas and will not pay for an emergency medical evacuation.will not pay for an emergency medical evacuation.

• GNI is serious about protecting you while overseas, and we have a GNI is serious about protecting you while overseas, and we have a number of great plans/options for you/your team.number of great plans/options for you/your team.

• Make sure to carry your ID card with you at all times, and give a copy to Make sure to carry your ID card with you at all times, and give a copy to family and your tour group leader or local contact person. family and your tour group leader or local contact person.

• Call the number on the ID card in case of an emergency.Call the number on the ID card in case of an emergency.• The Patriot Group Travel plan, and other short-term plans work on a The Patriot Group Travel plan, and other short-term plans work on a

reimbursement basis. reimbursement basis. • Get and keep copies of receipts and medical records for claims and for Get and keep copies of receipts and medical records for claims and for

your records.your records.

TestimonialsTestimonials

• You guys always make it so easy for us!You guys always make it so easy for us!– AC, Back2Back Mexico A.C.AC, Back2Back Mexico A.C.

• Thanks again for all your excellent help. You have taken Thanks again for all your excellent help. You have taken what was a big source of confusion and worry for me and what was a big source of confusion and worry for me and made it into something perfectly understandable and made it into something perfectly understandable and comfortable.comfortable.– BWBW

Link: Link: www.gninsurance.com/testimonials/

IMGIMG• International Medical Group (IMG) has been providing International Medical Group (IMG) has been providing

international insurance to over a million people around the international insurance to over a million people around the globe since 1990. With their great service and excellent globe since 1990. With their great service and excellent policies, they have been one of the top companies we work policies, they have been one of the top companies we work with.with.

• Sirius International is the underwriter for IMG.Sirius International is the underwriter for IMG.They are rated A by A.M. Best and A- by Standard & Poor’s.They are rated A by A.M. Best and A- by Standard & Poor’s.

• IMG provides the Patriot Group Travel plan.IMG provides the Patriot Group Travel plan.

Link: Link: www.gninsurance.com/international-insurance-plans-listed-company-name/like-img-overseas-group-insurance-needs/

Patriot Group TravelPatriot Group Travel• The Patriot is an international short-term health plan is The Patriot is an international short-term health plan is

primarily designed to cover new injuries and illnesses and primarily designed to cover new injuries and illnesses and medical emergency evacuation for those traveling outside medical emergency evacuation for those traveling outside their country of citizenship.their country of citizenship.

• It can be purchased for up to two years and can be renewed.It can be purchased for up to two years and can be renewed.

• Trip cancellation options & adventure sports option available.Trip cancellation options & adventure sports option available.

Link to brochure: Link to brochure: www.gninsurance.com/patriot-short-term-team-insurance/

Core Benefits:Core Benefits:• $100,000 medical maximum with your choice of deductible$100,000 medical maximum with your choice of deductible: :

For medical treatments, hospitalizations, surgeries, drugs, and any other For medical treatments, hospitalizations, surgeries, drugs, and any other eligible medical treatment. Deductible and coverage is per policy period, eligible medical treatment. Deductible and coverage is per policy period, not per incident (Options from not per incident (Options from $50,000 up to $2,000,000 max and deductible of $0, 100, 250, 500, 1000, 2500).

• $500,000 medical emergency evacuation: $500,000 medical emergency evacuation: In case of a life threatening In case of a life threatening medical emergency the local facility cannot handle, this benefit will medical emergency the local facility cannot handle, this benefit will transport the patient to the nearest qualified medical facility. This must be transport the patient to the nearest qualified medical facility. This must be arranged by IMG. These evacuations are overseen and handled by IMG’s arranged by IMG. These evacuations are overseen and handled by IMG’s doctors and other medical personnel. doctors and other medical personnel.

Other Benefits:Other Benefits:

• $50,000 emergency reunion:$50,000 emergency reunion: will cover travel expenses of one person, will cover travel expenses of one person, (relative or friend) to accompany the patient who has been evacuated (relative or friend) to accompany the patient who has been evacuated while they are in the hospital.while they are in the hospital.

• $50,000 return of mortal remains:$50,000 return of mortal remains: covers and arranges export of body in covers and arranges export of body in case of death so that family members do not have to deal with red tape case of death so that family members do not have to deal with red tape and forms while grieving.and forms while grieving.

Other Benefits:Other Benefits:• $25,000 accidental death and dismemberment: $25,000 accidental death and dismemberment: will pay this benefit in the will pay this benefit in the

case of the death due to an accident or loss of a limb or eye.case of the death due to an accident or loss of a limb or eye.

• $10,000 political evacuation:$10,000 political evacuation: if the U.S. Department of State orders the if the U.S. Department of State orders the evacuation of U.S. citizens due to unrest, it will cover up to $10,000 to evacuation of U.S. citizens due to unrest, it will cover up to $10,000 to transport them to the nearest place of safety (must be arranged by IMG). If transport them to the nearest place of safety (must be arranged by IMG). If a travel warning was in place before the trip started, this benefit is not a travel warning was in place before the trip started, this benefit is not available.available.

Travel Warning list: Travel Warning list: www.travel.state.gov/content/passports/english/alertswarnings.html

Other Coverage Details:Other Coverage Details:• Terrorism: Terrorism: There is a $50,000 limit for medical expenses that are the There is a $50,000 limit for medical expenses that are the

result of terrorism, but only in countries where there is no State result of terrorism, but only in countries where there is no State Department travel warning.Department travel warning.

• Benefit period: Benefit period: If one receives initial treatment overseas for a new injury If one receives initial treatment overseas for a new injury or illness, and needs continued treatment, the Patriot will cover that or illness, and needs continued treatment, the Patriot will cover that particular medical issue up to six months from the initial treatment date, particular medical issue up to six months from the initial treatment date, even if the plan ends, and even after return to home country.even if the plan ends, and even after return to home country.

Other Coverage Details:Other Coverage Details:• International Network:International Network: IMG maintains a list of recommended providers IMG maintains a list of recommended providers

they have vetted you can access by calling IMG or going online. However, they have vetted you can access by calling IMG or going online. However, outside the U.S., you can use any western medicine medical provider and outside the U.S., you can use any western medicine medical provider and have the same benefits, with no have the same benefits, with no co-insurance after you pay your deductible.co-insurance after you pay your deductible.

Link: Link: http://www.imglobal.com/en/client-resources/ppo-network.aspx

Pre-existing conditions:Pre-existing conditions:• Sudden, unexpected recurrences: Sudden, unexpected recurrences: are covered if you: are covered if you:

– 1.) are stable with no changes in treatment 30 days before travel 1.) are stable with no changes in treatment 30 days before travel – 2.) are not traveling against doctor’s orders 2.) are not traveling against doctor’s orders – 3.) are not traveling in order to seek treatment, and 3.) are not traveling in order to seek treatment, and – 4.) are not preparing to start a new treatment program.4.) are not preparing to start a new treatment program.

• For medical evacuation for pre-existing conditions: For medical evacuation for pre-existing conditions: There is a $25,000 limit There is a $25,000 limit for medical evacuations for sudden, unexpected recurrences of pre-existing for medical evacuations for sudden, unexpected recurrences of pre-existing conditions.conditions.

• If currently on a U.S. health insurance plan:If currently on a U.S. health insurance plan: sudden unexpected sudden unexpected recurrences of pre-existing conditions are covered up to the maximum limit recurrences of pre-existing conditions are covered up to the maximum limit $100,000$100,000

• If not on a U.S. health insurance plan:If not on a U.S. health insurance plan: there is $20,000 of medical coverage there is $20,000 of medical coverage for sudden unexpected recurrences of pre-existing conditions. for sudden unexpected recurrences of pre-existing conditions.

• If over age 65:If over age 65: there is a $2,500 limit for sudden unexpected recurrences of there is a $2,500 limit for sudden unexpected recurrences of pre-existing conditions. pre-existing conditions.

Pre-existing conditions:Pre-existing conditions:

EOTHCCEOTHCC• End Of Trip Home Country Coverage: End Of Trip Home Country Coverage: If you have insurance over 5 If you have insurance over 5

months, you can add End of Trip Home Country Coverage (EOTHCC) to months, you can add End of Trip Home Country Coverage (EOTHCC) to your plan. your plan.

• EOTHCC is a basic, transitional coverage to give you some basic coverage EOTHCC is a basic, transitional coverage to give you some basic coverage until your team returns or switches to a long-term plan.until your team returns or switches to a long-term plan.

• The The six month benefit period six month benefit period also applies to new injuries and illnesses also applies to new injuries and illnesses that happen during the EOTHCC.that happen during the EOTHCC.

EOTHCCEOTHCC• When you return to the U.S. under your 1-2 months of home country When you return to the U.S. under your 1-2 months of home country

coverage, the coverage works similarly to the U.S.coverage, the coverage works similarly to the U.S.• There is an additional coinsurance out of pocket where IMG will cover There is an additional coinsurance out of pocket where IMG will cover

90% 90% of the next $5,000 in expenses after the deductible if you use the of the next $5,000 in expenses after the deductible if you use the First Health NetworkFirst Health Network..

• It is It is 80% 80% of the next $5,000 if you use another network for non-of the next $5,000 if you use another network for non-emergencies.emergencies.

You can find the First Health network here:You can find the First Health network here:http://www.imglobal.com/en/client-resources/ppo-network.aspx

ID CardID Card• Make sure your team members carry their printable ID card with them at Make sure your team members carry their printable ID card with them at

all times. This has the 24/7 phone number.all times. This has the 24/7 phone number.• If you/they need a medical emergency evacuation, call collect or have If you/they need a medical emergency evacuation, call collect or have

someone call the number on the ID card – can be friend, family member, someone call the number on the ID card – can be friend, family member, hospital staff, or anyone else.hospital staff, or anyone else.

• Communicate with IMG as soon as possible if you have an emergency or Communicate with IMG as soon as possible if you have an emergency or other major treatment.other major treatment.

• It is a good idea to leave a copy of your ID card at home, so your family It is a good idea to leave a copy of your ID card at home, so your family has access to your certificate number and phone number to call.has access to your certificate number and phone number to call.

Pre-certificationPre-certification• For major treatments, surgeries, hospitalizations, IMG should be kept in For major treatments, surgeries, hospitalizations, IMG should be kept in

the loop: the loop: You can pre-certify by calling or having someone call the You can pre-certify by calling or having someone call the number on your ID card or online, either before the treatment, or within number on your ID card or online, either before the treatment, or within 48 hours (or as soon as possible) in an unexpected emergency.48 hours (or as soon as possible) in an unexpected emergency.

• A friend, family member, travel companion, or hospital staff member can A friend, family member, travel companion, or hospital staff member can pre-certify on your behalf.pre-certify on your behalf.

Pre-certificationPre-certification• Why is Pre-certification a benefit?Why is Pre-certification a benefit?• IMG stays in the loop, and can help offer advice on the quality of your IMG stays in the loop, and can help offer advice on the quality of your

doctor or medical facility, and that your care is medically necessary.doctor or medical facility, and that your care is medically necessary.• So you can get a better idea of what is covered before you paySo you can get a better idea of what is covered before you pay

ClaimsClaims• Reimbursement: Reimbursement: In most cases, when you have a new injury or illness you In most cases, when you have a new injury or illness you

will pay for your treatment up front and submit a claim for will pay for your treatment up front and submit a claim for reimbursement with the receipts.reimbursement with the receipts.

• The claim form is available online or in your confirmation, and contains The claim form is available online or in your confirmation, and contains instructions on how to submit it. It may also be submitted via email.instructions on how to submit it. It may also be submitted via email.

• When you visit the doctor, hospital, or clinic, keep copies of your receipts When you visit the doctor, hospital, or clinic, keep copies of your receipts and request records of any treatments you receive.and request records of any treatments you receive.

ClaimsClaims• Make sure to submit the claim within 90 days in order for the claim to be Make sure to submit the claim within 90 days in order for the claim to be

considered.considered.• In the case of larger claims, at their discretion, IMG may sometimes be In the case of larger claims, at their discretion, IMG may sometimes be

able to arrange direct billing with the hospital. In order to request this, able to arrange direct billing with the hospital. In order to request this, simply call IMG at the number on your card.simply call IMG at the number on your card.

• Communication with IMG is key for claims.Communication with IMG is key for claims.

ClaimsClaims• Claims should be processed with IMG on average within 30 business days, Claims should be processed with IMG on average within 30 business days,

60 days at the most.60 days at the most.• The most common reason for delayed processing is missing information or The most common reason for delayed processing is missing information or

incorrectly filled out claim forms.incorrectly filled out claim forms.• In case you need any help with claims, do not hesitate to contact us, and In case you need any help with claims, do not hesitate to contact us, and

we will go to work for you.we will go to work for you.

Things to rememberThings to remember• Your U.S. domestic insurance most likely does not cover you overseas Your U.S. domestic insurance most likely does not cover you overseas

and will not pay for emergency medical evacuation.and will not pay for emergency medical evacuation.• GNI is serious about protecting you while overseas, and we have selected GNI is serious about protecting you while overseas, and we have selected

great plans/options for you/your team.great plans/options for you/your team.• Make sure your team carries their ID card(s) with them at all times, and Make sure your team carries their ID card(s) with them at all times, and

give a copy to family and your local leaders. give a copy to family and your local leaders. • Call the number on the ID card in case of an emergency.Call the number on the ID card in case of an emergency.• The Patriot Group Travel plan, and other short-term plans work on a The Patriot Group Travel plan, and other short-term plans work on a

reimbursement basis. reimbursement basis. • Get and keep copies of receipts and medical records for claims and for Get and keep copies of receipts and medical records for claims and for

your records.your records.

We can helpWe can helpIf you have any friends or family who are traveling or moving If you have any friends or family who are traveling or moving overseas and need health, evacuation, trip cancellation, overseas and need health, evacuation, trip cancellation, accidental death and dismemberment, property, or term life accidental death and dismemberment, property, or term life coverage do not hesitate to let us know. A referral is the coverage do not hesitate to let us know. A referral is the highest compliment we can get!highest compliment we can get!

www.gninsurance.comwww.gninsurance.com

For more info or to download the brochure, go to:https://www.gninsurance.com/patriot-short-term-team-

insurance/