Short-term travel medical insurance for individual and group missionaries

OUTREACH
Travel Medical Insurance®

OUTREACHTRAVEL MEDICAL INSURANCE®

GET COVERED AWAY FROM HOME.
International travel can become a scary situation if you’re not prepared for a medical emergency. Most
travelers assume they’re already covered by their standard medical plan—but that isn’t always the case.
While domestic plans provide sufficient coverage at home, most are not designed to provide the coverage
and assistance required for international travel. Don’t let your medical coverage be an uncertainty. Choosethe Outreach Travel Medical Insurance® plan that meets your needs and spend more time enjoying
your international experience—not worrying about your medical coverage.

INTERNATIONAL MEDICAL GROUP®
Since 1990, IMG® has provided global benefits and assistance services to millions of customers in nearly
every country around the world. Owned by SiriusPoint*, a multibillion-dollar, AM Best “A-” rated insurance
industry leader, IMG is uniquely positioned to deliver the Global Peace of Mind® our members need.

» 24/7 medical and travel assistance services» Multilingual staff and claims administrators» Highly trained customer service professionals» Customer service centers located in the U.S. and UK» Financial security to fulfill our promise when you need it most*SiriusPoint is the DBA of SiriusPoint Ltd.

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OUTREACH
Travel Medical Insurance®

Whether you are traveling within the U.S. or globally, Outreach has you covered.

INSIDE THE U.S.

OUTSIDE THE U.S.

Outreach America offers coverage for those visiting theUnited States:

Outreach International offers coverage for those travelingoutside the United States:

O u t r e a c hAMERICA» Maximum limits:• Individual: $50,000 to $1,000,000• Group: $100,000, $250,000, $1,000,000» Deductible:• Individual: $0 to $2,500» Extensions: Up to 24 continuous months» Sudden and unexpected recurrence of pre-existing
conditions: Up to the maximum limit» Incidental trip: Up to 2 weeks» Coinsurance:• In-network: IMG pays 90%• Out-of-network: IMG pays 80% up to $5,000, then 100%O u t r e a c h

INTERNATIONAL» Maximum limits:• Individual: $50,000 to $2,000,000• Group: $100,000, $250,000, $1,000,000» Deductible:• Individual: $0 to $2,500• Group: $0 to $250
» Extensions: Up to 24 continuous months» Sudden and unexpected recurrence of pre-existing
conditions: Up to the maximum limit» Incidental trip: Up to 2 weeks» Coinsurance:• IMG pays 100% outside of the U.S.

All coverage and benefits in the plan are in United States (U.S.) dollars. 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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SUMMARY OF BENEFITS
The following benefits and coverage levels are shared across all Outreach products (unless otherwise noted):

BenefitCoverageInpatient or Outpatient Services

Eligible Medical Expenses

Up to the maximum limit

COVID-19 / SARS-CoV-2 Coverage

COVID-19/SARS-CoV-2 shall be considered by the Company the sameas any other Illness or Injury, subject to all other Terms and conditionsof this insurance

Physician Visits / Services

Up to the maximum limit

Hospital Emergency Room: Inside the U.S.

Up to the maximum limit
Injury: not subject to additional deductible
Illness: additional $250 deductible if not admitted

Hospital Emergency Room: Outside the U.S.

Up to the maximum limit

Hospitalization / Room & Board

Average semi-private room rate up to the maximum limit.
Includes nursing service

Intensive Care

Up to the maximum limit

Outpatient Surgical / Hospital Facility

Up to the maximum limit

Laboratory

Up to the maximum limit

Radiology / X-ray

Up to the maximum limit

Chemotherapy / Radiation Therapy

Up to the maximum limit

Pre-Admission Testing

Up to the maximum limit

Surgery

Up to the maximum limit

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

Up to the maximum limit

Assistant Surgeon

20% of the primary surgeon’s eligible fee

All coverage and benefits in the plan are in United States (U.S.) dollars. 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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OUTREACHTRAVEL MEDICAL INSURANCE®

SUMMARY OF BENEFITS
The following benefits and coverage levels are shared across all Outreach products (unless otherwise noted):Benefit

CoverageInpatient or Outpatient ServicesAnesthesia

Up to the maximum limit

Durable Medical Equipment

Up to the maximum limit

Chiropractic Care
Medical order or treatment plan required

Up to the maximum limit

Physical Therapy Treatment
Medical order or treatment plan required

Up to the maximum limit

Extended Care Facility
Upon direct transfer from an acute facility

Up to the maximum limit

Home Nursing Care
Upon direct transfer from an acute facility
Provided by a home health care agency

Up to the maximum limit

Prescription Drugs and Medications
Prescription Drugs and Medications
Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery,Emergency Room and Outpatient Office Visits
Dispensing maximum for Retail Pharmacy: 90 days per prescription

Up to the maximum limit

Emergency Services
Not subject to deductible and coinsurance unless otherwise noted.
Emergency Local Ambulance
Injury or illness resulting in an inpatient hospital admission

Up to the maximum limit

Emergency Medical Evacuation
Must be approved in advance and coordinated by the company$500,000 maximum limit

Emergency Reunion
Must be approved in advance by the company$50,000 maximum limit

Interfacility Ambulance Transfer
Transfer must be a result of an inpatient hospital admission

Up to the maximum limit

Political Evacuation & Repatriation
Must be approved in advance by the company

Up to $10,000

Return of Minor Children
Must be approved in advance by the company

Up to $50,000

Return of Mortal Remains orCremation/Burial
Must be approved in advance by the company

Up to $50,000 for return of mortal remains
or $5,000 for cremation/burial

All coverage and benefits in the plan are in United States (U.S.) dollars. 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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Travel Medical Insurance®

BenefitCoverage
Other Services

Accidental Death & Dismemberment (AD&D)
Death must occur within 90 days of the accident$25,000 principal sum. Not subject to deductible.

Common Carrier Accidental Death$50,000 per insured adult and $250,000 maximum limit per family.
Not subject to deductible.

Dental Treatment - Accident$100 Limit
Treatment due to an Accidental Injury and obtained at a Dental
Provider’s office

Traumatic Dental Injury
Treatment at a hospital due to an accident

Up to the maximum limit. Additional treatment for the same injury
rendered by a dental provider will be paid at 100%.

Hospital Indemnity$100 per overnight inpatient hospitalization,
maximum limit of 10 overnights.
Not subject to deductible.

Identity Theft Assistance

Up to $500. Not subject to deductible

Incidental Trip

14 days maximum

Lost Luggage

Limit $250, $50 maximum per item

Natural Disaster$100 per day and maximum limit of 5 days for accommodations.
Not subject to deductible.

Terrorism$50,000 maximum limit. Not subject to deductible.

Trip Interruption

Up to $5,000. Not subject to deductible.

Emergency Hospital Admission
Direct Transfer From Emergency Medical Evacuation (Group Plans Only)

Emergency Admission upon direct transfer via a Company approved
Emergency Medical Evacuation where the underlying medicalcondition is not providedfor under this Insurance.
Maximum limit: $20,000
The maximum limit is not in addition to the Sudden and Unexpected
Recurrenceof a Pre-existing Maximum limit.

All coverage and benefits in the plan are in United States (U.S.) dollars. 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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EXPAND YOUR COVERAGE
It’s easy to customize your coverage to best meet your needs while away from home. When submitting your application, simply add the riders youneed to the plan you’ve selected.
nAdventure Sports Rider

If you’re a thrill-seeking traveler who enjoys life’s more adventurous
activities, you may want to consider adding supplemental coverage
to your plan. The Adventure Sports Rider provides coverage for injuries
sustained during certain extreme sports that would otherwise be
excluded from your travel insurance policy.
Lifetime Maximum
Age 0-49: $50,000
Age: 50-59: $30,000
Age: 60-64: $15,000
nChaperone/Faculty Leader Replacement Rider*If you are the designated chaperone/faculty leader and experience an
unexpected death of a relative, a medical emergency, or the destructionof your residence that causes you to cancel or interrupt travel, this rider
covers reimbursement for a round trip economy airline ticket up to$3,000 for a replacement chaperone/faculty leader.
*Rider option is available on group plans only.

nEvacuation Plus Rider**While Outreach provides emergency medical evacuation coverage forlife-threatening injuries and illness, the Evacuation Plus Rider provides
coverage up to $25,000 for medical evacuations if you experiencea sudden, non-life-threatening medical condition that requires
hospitalization. IMG will arrange and cover ground and air transportation
to the nearest hospital capable of providing treatment.
Note: Must be purchased for a minimum of three months regardless of theminimum number of days being traveled. Premium is charged in wholemonth increments.
n Enhanced Accidental Death & Dismemberment Rider (AD&D)**
Accidents can happen—wouldn’t you rather be prepared, especiallywhen you’re away from home? The AD&D rider will pay you or yourbeneficiaries up to $400,000 if your death or dismemberment is thedirect result of an accident.
Note: Available to the primary insured only. Available with a minimumpurchase of three months of medical and AD&D rider coverage. Premium ischarged in whole-month increments.
**Rider option is available on individual plans only.

All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. Thisis 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 “InsuranceContract”). The Insurance Contract is the only source of the actual benefits provided.

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

INNOVATIVE TECHNOLOGY & MEMBER SERVICESnSelf-Service Member PortalMyIMGSM provides service at your fingertips, giving you theinformation and tools to manage your IMG plans anytime, anywhere,
through award-winning, easy-to-use technology. You’ll have
immediate access to these important resources online, including
our 24/7/365 service centers, plan document access, claims
management tools, Explanations of Benefits, and much more.
nPharmacy Discount Savings

Universal Rx is a discount savings program that allows you topurchase prescriptions from one of 35,000 participating pharmacies
in the U.S. and receive the lower of 1) Universal Rx contract price or2) the pharmacy regular retail price. This network offers a simplified
claims process with minimal paperwork for the member if they visit
an in-network provider.
This program is not insurance coverage; it is purely a discount program.

nInternational Provider AccessSM

Travelers outside of the U.S. can also enjoy access to quality
healthcare worldwide with our proprietary IPA network thatincludes:• Over 45,000 physicians and facilities• Direct billing arrangements that minimize time and upfront

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HOW TO GET COVEREDHOW TO EXTEND YOUR COVERAGE

Step 1:
Contact your producer directly to obtain an application orto apply online.

To meet the needs of our customers, Outreach plans can beextended for up to a 365-day period until reaching a maximumof 24 continuous months. Each insured person must only satisfy
one deductible and coinsurance within each 12-month period ofcoverage.To renew your coverage, please visit our website.

Step 2:Complete your application: If applying as a family, you may
include yourself, your spouse, and dependents on one
application. Please complete a group application if you
have two or more primary insureds.

PROTECT YOUR INVESTMENT

Step 3:
Receive a fulfillment kit that includes an identification card,declaration of insurance, and a Certificate of Insurance
outlining the details of the plan. Welcome to the IMG family!

IMG also offers trip cancellation plans to help protect your travel
investment. There are different plan options specifically designed
for your needs. For more information, please contact your trusted
insurance producer.

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. Since January 1,2014, PPACA requires U.S. citizens, U.S. nationals and certain U.S. residents to obtain PPACA-compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who
are required to maintain PPACA-compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes toapplicable law, including PPACA. Please note that it is an insured person’s sole and exclusive responsibility to determine the insurance requirements applicable to them, and the Company and IMG shall haveno liability whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including, without limitation, PPACA. For information on whether PPACA
applies to you or whether you are eligible to purchase Outreach Travel Medical Insurance, please see IMG’s Frequently Asked Questions at www.imglobal.com/faq.

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U N D E R S T A N D I N G Y O U R N E E D S.
E X C E E D I N G Y O U R E X P E C T A T I O N S.

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OUTREACH
Travel Medical Insurance®

Producer Contact Information
Rodrigo De Souza
1464 Bradley Dr
SAO PAULO 04508-031 Brazil
Phone: 1.866.368.3724
insurance@imglobal.com
http://https://producer.imglobal.com/international-insura
nce-plans.aspx?imgac=531050&app_method=2&svi=1

This invitation to inquire allows eligible applicants an opportunity to seek information 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 for a premium and are subject
to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in
the Insurance Contract. Certain insurance contracts and services agreements do containpre-existing condition exclusions and do not cover losses or expenses related to pre-existing

CM00501815A220830

conditions. Please review the Insurance Contract and Master Services Agreement for more
information regarding benefits, terms, and conditions.
This brochure contains many of the valuable trademarks, names, titles, logos, images, designs,
copyrights and other proprietary materials owned and registered and used by International
Medical Group, Inc. and its representatives throughout the world. © 2007-2022 International
Medical Group, Inc. All rights reserved.

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