GEOSM Group - Plan Summary
The Global Employer’s OptionSM - A worldwide benefits program
designed for groups of two or more internationally assigned employees

W W W. I M G L O B A L . C O M

Understanding Your Market. Exceeding Your Expectations.
As an international employer, it’s essential to provide the proper benefits to your employees. That’s what attracts andretains top-level staff. To do so, you must ensure that they receive worldwide access to quality care, superior international
claims administration and the financial stability you expect from an established leader in global insurance and assistanceservices.
At International Medical Group® (IMG®), we are dedicated to delivering exceptional health benefits, medical assistanceand 24/7 customer care—all tailored to fit your unique needs. Because IMG performs all administration, customer
service, and emergency assistance functions in-house, we can ensure that your group members get the highest quality
and most cost-effective care available. This also helps you control your group health care expenses now and into the
future.
In response to our global clients’ evolving needs, we have designed GEOSM Group, which offers a base plan and analternative plan, plus additional coverage options. This customizable benefits package is specially designed for
multinational employers seeking Global Peace of Mind® as their employees embark on their travels.

Program Summary
Highlights

Designed forMultinational employers with two or more employees
Employees living and working outside of their homecountry
Third country or key local nationals
Independently contracted employees

Worldwide coverage area options



Full group takeover/replacement provision available



Waiver of pre-existing condition waiting periods for new
employees with proof of prior coverageMedical History Disregarded underwriting option

Dental, disability and life insurance available

Universal Rx pharmacy discount savings

Qualifies as Minimum Essential Coverage (MEC)

Optional assistance services for physical and mental
healthWHY IMG?
Since 1990, IMG has provided global benefits and assistance services to millions of members in almost every country.
We are committed to being there with our members wherever they may be in the world, providing them Global Peaceof Mind®. With 24/7 worldwide assistance and medical management services, multilingual claims administrators, andhighly trained customer service professionals, IMG delivers the insurance products international members need, backed
by the services they want.
Global Support.
With offices and partners across the globe, IMG
provides the support you need, when you need
it. In fact, it’s our corporate mission to be there toprotect and enhance your health and well-being.

Financial Stability.

security and reputation demanded by international
consumers. (SiriusPoint is the DBA of SiriusPoint Ltd.)

Service Without Obstacles.
With a team of international, multilingual specialists,
we are accustomed to working in multiple timezones, languages, and currencies. Our global reachmeans we can work without barriers.

Accessible Technology.
Log on to the secure, 24-hour online portal,
MyIMGSM, to submit and view your claims, manage
your account, search for providers, live chat withrepresentatives, and more.

Owned by SiriusPoint—an ‘A-’ rated, multibilliondollar global enterprise—IMG offers the financial

International Emergency Care.
When you’re away from home and a medical
emergency occurs, you may not be able to wait for
regular business hours. With our on-site medical
staff, you have 24-hour access to highly qualified
coordinators of emergency medical services andinternational treatment.

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Benefits Summary
The following benefits are offered to eligible insureds.
The plan charges for eligible medical expenses within the area of coverage.
All amounts are shown in US dollars and subject to applicable deductible and coinsurance.

BENEFITDESCRIPTION

Calendar Year

Maximum Limit: 365 days

Lifetime Maximum Per Insured$50,000 - $8,000,000

Extension of Benefits

Maximum Limit beginning on the first day of Total Disability, temporary layoff or leave of absence:
180 days
Maximum Limit for a Spouse/or Dependent in the event of the Insured Person’s death: 60 days

Continuation of Benefits

Maximum Limit after termination of employment: 12 months
Refer to the Continuation Provision in this Certificate for complete qualification details
The Medical Concierge Service is a proprietary service of IMG that helps an Insured Person
navigate the United States healthcare system to identify the highest quality providers forscheduled Inpatient and certain Outpatient Treatments.

Medical Concierge
 Non-emergency services only

Refer to the MEDICAL CONCIERGE provision for further details.

BENEFIT PLAN FEATURES
Benefit Levels

United States

United States

United States

International

Medical Concierge

In-Network

Out-of-Network

International

DEDUCTIBLE FOR ELIGIBLE MEDICAL EXPENSES$0 - $25,000
Deductible

Deductible reduced by 50% or $2,500: PPO, Outpatient Treatment, Emergency Inpatient
Treatment, Medical Concierge Provider

Family Deductible

Maximum 3 Deductibles per Family

COINSURANCE FOR ELIGIBLE MEDICAL EXPENSES
Coinsurance In addition to Deductible

Plan pays 100%
Insured pays 0%

Plan pays 100%
Insured pays 0%

Plan pays 80%
Insured pays 20%

Plan pays 100%
Insured pays 0%

Out of Pocket Maximum$0$0$1,000$0

PRECERTIFICATION
 Transplants: No coverage if Precertification requirements are not met.
 Interfacility Ambulance Transfer: No coverage if Precertification requirements are not met.
 Maternity and Newborn care: 50% penalty if not Precertified within 60 days of delivery.
 Emergency Medical Evacuation: No coverage if Precertification requirements are not met. Refer to the EMERGENCY MEDICAL EVACUATION
provision for complete requirements and coverage.
 All other Treatments & supplies: 50% reduction of Eligible Medical Expenses if Precertification requirements are not met.
 Deductible is taken after reduction.
 Coinsurance is applied to remainder of the reduced amount.
 Refer to Precertification REQUIREMENTS provision for a complete list of services that require Precertification .

INPATIENT OR OUTPATIENT SERVICES
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

In-Network

Out-of-Network

International

Eligible Medical Expenses

100%

100%

80%

100%

Physician Visits / Services

100%

100%

80%

100%

Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.
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INPATIENT OR OUTPATIENT SERVICES
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

In-Network

Out-of-Network

International

Hospital Emergency Room
 Injury: Not subject to Emergency Room
Deductible
 Illness: Subject to a $250 Deductiblefor each Emergency Room visit for
Treatment that does not result in a direct
Hospital admission

100%

100%

80%

100%

Hospitalization / Room & Board United States: Average private room rate International: Average private roomrate up to a maximum of 150% of theaverage semi- private room rate Includes nursing services, miscellaneousand Ancillary Services

100%

100%

80%

100%

Intensive Care

100%

100%

80%

100%

Outpatient Surgical / Hospital Facility

100%

100%

80%

100%

Laboratory

100%

100%

80%

100%

Radiology / X-ray

100%

100%

80%

100%

Pre-admission Testing

100%

100%

80%

100%

Surgery

100%

100%

80%

100%

Reconstructive Surgery
 Surgery is incidental to and follows
Surgery that was covered under the plan

100%

100%

80%

100%

Assistant Surgeon
 20% of the primary surgeon’s eligible fee

100%

100%

80%

100%

Anesthesia

100%

100%

80%

100%

Pregnancy and Childbirth After 10 consecutive months of coverage

100%

100%

80%

100%

Pregnancy Complications
 After 10 consecutive months of coverage

100%

100%

80%

100%

Newborn and Congenital Disorders Lifetime Maximum: $250,000
 First 31 days of life Eligible when the Newborn’s birth iscovered under this plan

100%

100%

80%

100%

Durable Medical Equipment
 Prescribed by a Physician

100%

100%

80%

100%

Chiropractic Care
 Not subject to Deductible or Coinsurance
 Maximum per visit: $25
 Maximum visits: 20
 Prescribed by a Physician

Not Applicable

100%

100%

100%

Physical Therapy
 Maximum Charge per Visit: $50
 Prescribed by a Physician

Not Applicable

100%

80%

100%

100%

100%

80%

100%

Extended Care Facility
 Upon direct transfer from an acute care
Facility

Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.
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INPATIENT OR OUTPATIENT SERVICES
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

In-Network

Out-of-Network

International

Home Nursing Care
 Provided by a Home Health Care
Agency Upon direct transfer from an acute care
Facility

100%

100%

80%

100%

Not Applicable

100%

80%

100%

100%

100%

80%

100%

Hospice Terminally ill - 6 months to live Inpatient Hospice Facility
 Insured Person’s home
Transplant Lifetime Maximum: $1,000,000
 Calendar Year Transplant Maximum: 1
 Organ procurement & harvesting costs
Lifetime Maximum: $10,000
 Travel & lodging Lifetime Maximum
expense: $5,000
 Covered Transplants: cornea, heart,
heart/lung, lung, kidney, kidney/pancreas, liver, allogeneic or autologous
bone marrow Subject
tothe
TRANSPLANT
Precertification
provision and only
when Treatment is provided within the
Company’s approved independent
Managed Transplant System Network

PREVENTATIVE CARENOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Medical Concierge(Non-emergency)

In-Network

Out-of-Network

International

Adult Maximum Limit: $250
 Refer to the PREVENTATIVE CARE
provision for further details andrequirements

Not Applicable

100%

100%

100%

Child
 Maximum Limit: $150
 Refer to the PREVENTATIVE CARE
provision for further details andrequirements

Not Applicable

100%

100%

100%

BenefitPRESCRIPTION DRUGS AND MEDICATION
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

In-Network

Maximum Limit per Calendar Year

Out-of-Network

International$250,000 per person

 All categories listed under the Prescription Drugs and Medication benefit accumulate toward the Lifetime Maximum Limit Routine inoculations and vaccinations are not subject to this limit and fall under the Preventative Care benefit
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.
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0822

PRESCRIPTION DRUGS AND MEDICATION
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

In-Network

Out-of-Network

International

Outpatient or Inpatient Medication
 Subject to Deductible and Coinsurance Received as part of a Treatment plan orgeneral care
 Not obtained through a retail pharmacy

100%

100%

80%

100%

Universal RX (URX) Prescription Drug Card MUST be utilized for all Outpatient Prescription Drugsin the United States.
United States Retail Pharmacy
Retail Pharmacy Copayments:
 Not subject to Deductible andGeneric $5
Coinsurance
Higher cost Generic and Brand 30%
 Prescriptions $3,000 and higher will
Non-Preferred Brand Name $50 plus 30%
require Universal RX (URX) to obtainprior authorization from the Company
Copayments are per 30-day supply
Dispensing Maximum per prescription: 90 days
Medication delivery to an international address when prescription is not available for purchaseinternationally.
Generic
Non-Preferred Brand Name

Copayment: $5
Copayment: $30

Copayment is per 30-day supply
Expatriate Prescription Services Program Prescriptions $3,000 and higher will Dispensing maximum per prescription: 180 days
require Universal RX (URX) to obtain
Contact Information:prior authorization from the Company
 Enroll: www.expatps.com
 Email scanned prescription to epsmanager@universalrx.com
 Fax: +1.540.777.7184
 Phone number: +1.540.777.1450
 Email: epsmanager@universalrx.com

MENTAL OR NERVOUS, SUBSTANCE ABUSE, COUNSELING
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

In-Network

Lifetime Maximum

Out-of-Network

International$20,000

Inpatient Mental or Nervous / SubstanceAbuse Maximum Limit: $10,000
 After 12 consecutive months of coverage

100%

100%

80%

100%

Outpatient Mental or Nervous / SubstanceAbuse Maximum per visit: $100
 Maximum visits: 52
 After 12 consecutive months of coverage

Not Applicable

50%

50%

50%

Bereavement Counseling Not subject to Deductible or Coinsurance Lifetime Maximum: $300
 Counseling 6 months before or after a
Family member’s death

Not Applicable

100%

100%

100%

Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.
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EMERGENCY SERVICESNOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

In-Network

Out-of-Network

International

Emergency Local Ambulance Subject to Deductible and Coinsurance Injury Illness resulting in an Inpatient Hospital
admission

Not Applicable

100%

80%

100%

Emergency Medical Evacuation
 Maximum Limit: $1,000,000
 Insured persons under age 65
 Approved in advance and coordinatedby the Company

Not Applicable

100%

100%

100%

Emergency Reunion Subject to Deductible and Coinsurance
 Maximum Limit: $10,000
 Day Maximum: 15 days Meal Maximum: $25 per day Reasonable and necessary travel costs
and accommodations
 Approved in advance by the Company

Not Applicable

100%

100%

100%

Interfacility Ambulance Transfer
 Transfer from one licensed health care
Facility to another licensed health care
Facility resulting in an Inpatient Hospital
admission

Not Applicable

100%

100%

100%

Political Evacuation and Repatriation
 Lifetime Maximum: $10,000
 Approved in advance by the Company

Not Applicable

100%

100%

100%

Return of Mortal Remains
 Maximum Limit: $25,000
 Return of Insured Person’s Mortal
Remains to Home Country
 Approved in advance by the Company

Not Applicable

100%

100%

100%

OTHER SERVICESNOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Benefit

Medical Concierge(Non-emergency)

Out-of-Network

Not Applicable

100%

International

$150
$150
$100
$ 75
$ 50
$ 50

Acupuncture
Massage Therapy
Vitamin Therapy
Magnetic Therapy
Herbal Therapy
Aroma Therapy

Complementary Medical Services
 Subject to Deductible and Coinsurance
 Maximum Limits are per Insured Person

Emergency Dental
 Subject to Deductible and Coinsurance Accident related

In-Network

80%

100%

Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.

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OTHER SERVICESNOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable and Customary amounts
Maximum Limits per Calendar Year or if indicated, per Lifetime
Medical Concierge(Non-emergency)

Benefit

In-Network

Out-of-Network

International

Private Hospital Overnight Maximum Limit: $400
 Maximum Limit: $4,000
Hospital Indemnity
 International only
 Inpatient Hospitalization only

Public Hospital (state, government or charitable Hospital) Overnight Maximum Limit: $500
 Maximum Limit: $5,000
Treatment received by the Insured Person at a Public Hospital and no Charges are incurred by
the Insured Person or the Company will be subject to the Public Hospital Maximum Limit.
Treatment received by the Insured Person at a Public Hospital and Charges are submitted to
the Company for reimbursement will be subject to the Private Hospital Maximum Limit.

Supplemental Accident Maximum Limit per Accident: $300
 Once the Maximum Limit is satisfied,
Charges will be subject to Deductible
and Coinsurance and paid the same as
any other Injury
Vision Care
 Benefit available every 24 months

Not Applicable

100%

100%

100%

 Routine Eye Examination Maximum Limit: $100
 Corrective Lenses (Contacts)/Frame Maximum Limit: $150

Dental Benefits
COVERAGE LIMIT / MAXIMUM AMOUNT FOR ELIGIBLE DENTAL EXPENSES
Calendar Year Maximum Limit$1,000 - $1,500

Lifetime Orthodontia Maximum Limit$1,000 - $1,500

Deductible
 Applies to Minor and Major Restorative Services$50

Family Deductible
 Maximum Deductibles per Family: 3$150

ROUTINE SERVICESNOT Subject to Deductible
Eligible Dental Expenses are limited to Usual, Reasonable and Customary
Maximum Limits per Calendar Year or if indicated, per Lifetime
BenefitCoinsurance

Diagnostic and Preventative Services
 Preventative visits and cleanings: 2(1 every 6 months)
 Radiographic examinations: 2(including posterior bitewings; 1 every 6 months)
 Fluoride Treatment Maximum Limit: 1(Children under 19 years of age)

Plan Pays 100%

Insured Pays 0%

Emergency Palliative Treatment

Plan Pays 100%

Insured Pays 0%

Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.

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MINOR RESTORATIVE SERVICES
Subject to Deductible
Eligible Dental Expenses are limited to Usual, Reasonable and Customary
Maximum Limits per Calendar Year or if indicated, per Lifetime
BenefitCoinsurance

Minor Restorative Services
 Refer to the ELIGIBLE DENTAL EXPENSES provision for further
details

Plan Pays 80%

Insured Pays 20%

Oral Surgery

Plan Pays 80%

Insured Pays 20%

Endodontics

Plan Pays 80%

Insured Pays 20%

Periodontics
 Root planning Maximum Limit: 1 every 2 years
 Periodontal Surgery Maximum Limit: 1 every 3 years

Plan Pays 80%

Insured Pays 20%

Radiographs
 Maximum Limit: 1 every 3 years
 Full mouth x-rays including panographic x-rays

Plan Pays 80%

Insured Pays 20%

MAJOR RESTORATIVE SERVICES
Subject to Deductible
Eligible Dental Expenses are limited to Usual, Reasonable and Customary
Maximum Limits per Calendar Year or if indicated, per Lifetime
BenefitCoinsurance

Major Restorative Services
 Crowns, Jackets, Inlays on same tooth Maximum Limit: 1 every 5years Adults and Children older than 12 years of age
 Refer to the ELIGIBLE DENTAL EXPENSES provision for further
details

Plan Pays 50%

Insured Pays 50%

Prosthodontics
 Dentures / Bridge Maximum Limit: 1 every 5 years
 Replacement of denture base material or reline Maximum Limit: 1
every 3 years Refer to the ELIGIBLE DENTAL EXPENSES provision for further
details

Plan Pays 50%

Insured Pays 50%

ORTHODONTIA SERVICESNOT Subject to Deductible
Eligible Dental Expenses are limited to Usual, Reasonable and Customary
Maximum Limits per Calendar Year or if indicated, per Lifetime Insured Pays 50%
BenefitCoinsurance

Orthodontia
 Children less than 19 years of age

Plan Pays 50%

Insured Pays 50%

Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.

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TERM LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE

Available up to $250,000 per employee
10 or fewer IMG insured employees:»$10,000 minimum required
11 or more IMG insured employees:»
No minimum requiredGroup Life coverage automatically offers:»
Term Life Insurance Benefit»
Accidental Death Benefit»
Dismemberment BenefitGuarantee Issue amounts up to $100,000»
Additional underwriting for $100,001 - $250,000
Group Life can be issued as a flat amount(e.g. $50,000) or multiple of salary (e.g. 2 x salary)
ADEA Reduction Schedule (Age Discrimination in
Employment Act of 1967)»
Less than age 65: 100% of principal amount»
Ages 65-69: 35% reduction»
Ages 70-74: 55% reduction»
Ages 75-79: 70% reduction»
Age 80+: 80% reduction

DAILY INDEMNITY INSURANCE

Benefit offers $100 for every overnight of eligible
inpatient hospitalization
Cash benefit payable directly to the insured

$25,000 lifetime maximum benefit
Group Life Insurance required

Exclusions: Pregnancy or related conditions; Hospitalization which begins before the day of a scheduled surgery or procedure; Spouse and children are excluded.

GEO PLATINUM USA BENEFITS RIDER
This rider is available to US-based employers that wish to provide US-style health care plans to their international
employees. The rider adds the following benefits:Unlimited lifetime maximum
100% coverage for eligible preventive services
Extends dependent coverage up to age 26, provided
dependent is not eligible under any other healthcare plan

Waives pre-existing condition limitations on children
under the age of 19

REMOTE MENTAL HEALTH SERVICES
Optional telemedicine for mental health that offers support with financial, physical and emotional wellbeing. Whether
you have questions about handling stress at work or home, parenting and childcare, managing money or health issues,
this is a valuable and confidential service that you can trust.

TELECONSULTATION**
Optional online and telephonic access to a network of medical professionals available to diagnose, treat and prescribe
for non-emergency medical issues. The best medicine brought to you and your family 24 hours a day, seven days a week.

EXTENSIVE NETWORK ACCESSInternational Provider AccessSM
UnitedHealthcare provides travelers in the U.S. withdirect access to one of the largest networks of providers
in the U.S. that includes:






Over 1.4M physicians
6,797 hospitals
Over 45,000 clinics
A streamlined claims process
1,800 convenience clinics

Travelers outside of the US can also enjoy access to quality
healthcare worldwide with our proprietary IPA networkthat includes:Over 18,550 physicians and facilities
Direct billing arrangements that minimize time andupfront expense**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed,
raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed,
raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy
The UnitedHealthcare name and logo are registered trademarks of UnitedHealth Group in the U.S. and other jurisdictions.
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits
offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance
Contract is the only source of the actual benefits provided.
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Page 11 of 120822

EMERGENCY TRAVEL ASSISTANCE SERVICES
Even the smallest disruption can be an emergency when your group members are abroad. We offer a complete menu ofemergency travel assistance services to provide your employees and their families Global Peace of Mind®. Some of theservices provided include:






Emergency travel arrangements
Lost passport/travel documents assistance
Lost luggage assistance
Embassy or consulate referrals
Emergency message relay







Emergency prescription replacement
Medical referrals
24-hour medical monitoring
Emergency cash transfer and emergency translations
Legal referrals

MEDICAL AND WELLNESS INFORMATION SERVICE
Among the benefits that GEO Group offers is a medical information service that group members can access. This service
will allow them to consult with board-certified physicians, licensed psychologists, pharmacists, dentists, dieticians, andfitness trainers to assist them with any routine health related questions. This service is not meant to replace a family
physician; instead it focuses on addressing your group members’ concerns in a convenient manner and providing themwith support to make informed decisions. Professionals will quickly respond to your group members’ questions, referthem to specialists, and get them the information they need—saving time and possibly preventing unnecessary officevisits. Highlights include:






Web-based medical tools including direct email
access to doctors, psychologists, pharmacists, dentists,
dieticians, and fitness trainers
Available to employees, spouses, & children 24 hours aday, 365 days a year
Email response time: Normally two to four hours in US
time zones - 24 hour guarantee
Searchable 3D medical video library with unlimitedaccess to more than 250 videos






Medical library with unlimited access to more than
2,200 topics
Weekly Health Tips e-Newsletter sent via email
Personal Health Record: gives physicians online accessto personal health records in case of emergencies
Healthy Lifestyle Assessment: Evaluates current healthstatusIMG TRAVEL INTELLIGENCE
The IMG Travel Intelligence app gives you the tools and information you need to stay informed and minimize risk
when away from home. This standalone mobile app provides 24/7 support to keep users up-to-date about global
developments no matter where they are in the world.
IMG Travel Intelligence allows you to:Access detailed intelligence for 200+ countries
Receive immediate assistance during a crisis via thein-app emergency hotline
Stay informed of travel disruptions such as airline delays& cancellations

Locate hospitals, police stations, & other safe haveninformation, including local emergency phone
numbers
Access pre-trip checklists, including reminders to
prepare & store travel documents

EXPATRIATE PRESCRIPTION SERVICES (EPS)This concierge service provides GEO Group members with convenient access to high-quality, low-cost prescription
drugs through an efficient delivery service that reaches more than 160 countries worldwide. This program is notinsurance coverage; it is purely a discounted prescription service. Use of this service does not guarantee that medicationis covered under the insurance plan.

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss
for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions,terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or
expenses related to a pre-existing condition.
GEOSM GroupW W W. I M G LO B A L . C O M
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IMG PRODUCER USE ONLYHIRANO - HOLCOMB INSURANCE AGENCY, LLC
P.O. BOX 12580
MILL CREEK, WA 98082
Phone: 206-755-5585
Fax: 888-391-5155
masako@mhhinsurance.com
http://www.mhhinsurance.com

2960 North Meridian Street, Ste. 300
Indianapolis, IN 46208-0509 USA
Telephone: +1.317.655.4500
Fax: +1.317.655.4505
Email: insurance@imglobal.com

CM00501766A220715

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