MP+International®
Plan Summary

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Understanding Your Market. Exceeding Your Expectations.
At IMG (International Medical Group), we understand the intricacies
of worldwide health care delivery and are especially sensitive
to the needs of those in the missionary market. IMG created an
entire missionary division in 1992 so we could provide specialized
products and services exclusive to the missionary community.
Over time, we have earned a reputation for excellence by providing
quality, dependable medical insurance programs to missionsending organizations.

At the same time, it is designed to encourage them to receive
medical care overseas when feasible, where the cost of medicalcare is comparatively less expensive than in the U.S. Combined withother cutting-edge services like our Medical Travel Management
program, MP+International benefits and services are positioned tohelp you and your members take more control of your health carecosts, which lends itself to greater premium stability.
It is rare to find a company that offers specialized products andservices for the missionary community. As much as we areproud of our history in helping missionaries and mission-sendingorganizations throughout the years, it is we who consider ourselves
blessed to have had the opportunity to contribute in some way to
the well-being and peace of mind to those who are serving thegreat commission abroad.

MP+International® was designed to provide medical insurance tomissionary groups by offering coverage while outside their countryof residence. We recognize that stable premiums are important
within the missionary community. Our attention to this fact begins
with our unique plan design. MP+International offers a wide rangeof worldwide benefits that follow missionaries wherever they go.

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MP+International® Plan Summary

The
Advantage

Our focus on Service, Strength, and Safety Solutions provides
you with the ultimate advantage: Global Peace of Mind.

S E R V I C E Help when and where you need it.

S T R E N G T H A company you can trust.

Nobody wants to experience an emergency while traveling the world,
but if you do, you’ll want a team you can trust to have your back.
IMG’s expert staff is here for you 24/7. We’re accustomed to working in
multiple time zones, languages, and currencies, so rest assured we havethe training to assist you—even in remote and hazardous locations.
Our international and U.S. provider networks include more than one
million physicians and facilities across the globe, giving you access toquality care while away from your primary care team. Our innovativetechnology allows you to manage your claims, your account, andsearch for providers through our online portal and mobile app aroundthe clock.

You can feel confident with IMG knowing our industry expertise has
led us to serve millions of customers worldwide since 1990. Owned
by SiriusPoint, a multi-billion-dollar insurance industry leader and rated“A-” by A.M. Best, an independent analyst of the insurance industry, IMG
has a strong financial backing and vision to become the preeminent
provider of travel and health safety solutions. With loyal customers
ranging from Fortune 500 companies, universities, to individuals andother insurance companies, our personalized offerings allow us tomeet the needs of nearly anyone traveling internationally.

S A F E T Y S O L U T I O N S Products and services designed with your safety in mind.
PHYSICAL HEALTH

FINANCIAL PROTECTION

You can’t plan when you get sick, and unfortunately, it
can happen anytime and anywhere. Medical bills canbe expensive, and IMG plans provide the cross-border
medical coverage you need for unexpected medical careand routine visits.

Costs can add up while seeking medical treatment.
However, access to IMG’s international physician andprovider networks and pharmacy discount programs canhelp you save on out-of-pocket medical expenses andprescription medications.

MENTAL WELLNESSCRISIS SUPPORT

Being away from your support system can be challenging.
IMG provides access to mental health services, like virtual
counseling, to help with the transition as you adapt tocultural differences, adjust to a change in education, andnavigate new relationships while you’re away from loved
ones.

Navigating an emergency in a foreign country is never easy.
That’s why IMG offers a range of assistance benefits andservices designed to support you in a crisis. A dedicatedteam of multilingual nurses, doctors, and case managers
provide 24/7 assistance services to facilitate a response tourgent and emergency situations, such as evacuations or
search and rescue missions.

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MP+International® Plan Summary3

Benefit Summary

The following benefits are offered to eligible insureds. The plan covers charges for Eligible Medical Expenses
within the area of coverage. All amounts shown are in U.S. dollars.

PLAN DETAILSLIMIT/OTHER

LIMIT/AMOUNT FOR ELIGIBLE MEDICAL EXPENSES

Area of Coverage

Worldwide

Maximum Limit per Lifetime$1,000,000 standard, $5,000,000 option available

Deductible per Calendar YearAll deductibles apply worldwide and are per insured person

Family Deductible per Calendar YearTwo deductibles per family

U.S. Hospital Emergency Room Injury

Not subject to emergency room deductible

U.S. Hospital Emergency Room Illness

Subject to a $250 deductible for each emergency room visit for treatment that does not result in a direct
hospital admission

International Hospital Emergency RoomCompany pays 100%
For treatment received outside of the U.S.: Company pays 100%PHYSICAL HEALTHMENTALWELLNESS

Coinsurance per Calendar Year

Mental or Nervous Disorders

U.S. Treatment:
Inside the PPO Network: Member pays 20% of eligible medical expenses until reaching $5,000, then 0%
Utilizing Medical Concierge Provider: Member pays 15% of eligible medical expenses until reaching$5,000, then 0%
Outside the PPO Network: Member pays 40% of eligible medical expenses until reaching $5,000, then 0%
Outpatient Treatment: Member pays 50% of eligible medical expenses and maximum of 40 visits per
insured person per calendar year
Inpatient Treatment: Maximum of 30 days per insured person per calendar year

Eligible Medical Expenses

Up to the maximum limit. The maximum limit is not in addition to any other maximum limit for any othercovered illness or injury

Hospital Room & Board

Up to the average semi-private room rate, including nursing service

Intensive Care Unit

Maximum of three times (3x) average semi-private room rate

Physical Therapy$2,500 maximum per calendar year
U.S.: Medical order or treatment plan required
Outside of the U.S.: Medical order or treatment plan required only for expenses over $1,000

Chiropractic Care

Member pays 50% of eligible medical expenses up to $500 maximum per calendar year

Hospice$7,500 lifetime maximum per insured person

Home Nursing Care

Limited to 30 days per calendar year

Extended Care Facility

Limited to 60 days per calendar year

Podiatry$750 maximum per calendar year

Adult or Child Preventative Care

Up to $1,000 per calendar year. Not subject to deductible or coinsurance

Transplant$500,000 lifetime maximum for covered transplants

Hospital Indemnity Benefit

Outside of the U.S.:
Private Hospitals: $400 per overnight and $4,000 maximum per calendar year
Public Hospitals: $500 per overnight and $5,000 maximum per calendar year

Outpatient Physician/Specialist Visit(Office Visit Charge Only)$25 copay within the U.S. PPO network

Physician Visits/Services

Subject to deductible and coinsurance

Inter Facility Ambulance Transfer

Must be the result of an inpatient hospital admission
Not subject to deductible and coinsurance

Pregnancy and Newborn Care

Result of natural insemination. Dependent child’s pregnancy not covered
Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life. Subject todeductible and coinsurance

Pregnancy Complications

Subject to deductible and coinsurance

Sleep Disorders

Up to $2,500 sleep aid per person per calendar year

Benefits are subject to 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 any way the Certificate of Insurance or the Application, Master Policy and any riders or other governing documents (the “Insurance
Contract”). The Insurance Contract is the only source of the actual benefits provided.

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MP+International® Plan Summary

$250,000 limit per person annually
Subject to deductible and coinsurance

PHYSICAL HEALTH

Outside the U.S.: Covered at 100%

Prescription and Medication

Inside the U.S.:
Must utilize the Universal Rx card
Copay (per 30-day supply): Tier 1 - $15; Tier 2 - $30; Tier 3 - $60
Maximum limit of 90-day supply per prescription
Not subject to deductible and coinsurance
Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from thecompanyExpatriate Prescription Services Program:
Maximum limit of 180-day supply per prescription
Copayments are per 30-day supply
Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from thecompanyRemote Medical Travel Benefit$2,500 Maximum Per Period of Coverage

CRISIS SUPPORTBENEFITS ONLY AVAILABLE WITH PURCHASE OF MP+ INTERNATIONAL ASSISTANCE SERVICES
Emergency Hospital Admission Direct
Transfer from Emergency Medical
Evacuation$20,000 maximum limit
The maximum limit is not in addition to any other maximum limit for any other covered illness or injury

Emergency Reunion

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Maximum limit: $15,000
Day maximum: 15
Meal maximum per day: $25
Reasonable and necessary travel costs and accommodations
Approved in advance by the company

Alternative Plan
As another option, you may want to consider our MP+International Alternative Plan. This plan is designed to be a lower premium costplan option that provides an incentive for your members to receive excellent medical care overseas instead of receiving care in the U.S.
when it is suitable. This Alternative Plan provides the same benefits as the standard MP+International plan, with the following exceptions:

PHYSICALHEALTH

PLAN DETAILS

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A higher deductible for care received in the United States and a lower deductible for care received overseas» Example: $500 overseas and $1,500 in the U.S.
Modified coinsurance schedule:» If utilizing Medical Concierge provider, 15% of eligible medical expenses until reaching $5,000, then 0%» For treatment received outside the U.S.: 0%» For treatment received within the U.S.:` If in the PPO Network, 20% of eligible medical expenses until reaching $10,000, then 0%` If outside the PPO Network, 40% of eligible medical expenses until reaching $10,000, then 0%
Eligible transplants limited to a lifetime maximum of $250,000

Benefits are subject to 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 any way the Certificate of Insurance or the Application, Master Policy and any riders or other governing documents (the“Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

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MP+International® Plan Summary

Optional Supplemental Programs
As a complement to the medical benefits, MP+International offers the following optional supplemental assistance services and insurance
programs. All amounts shown are in U.S. dollars.

MP+International Assistance Services
In the event that a member requires an evacuation, whether for a medical emergency or a political or natural disaster, IMG’s staff will
coordinate all aspects of the transfer. Because each evacuation is unique, a tailored action plan is developed to ensure the best outcome.
A D D I T I O N A L F E E S M AY A P P LY

CRISIS SUPPORTEMERGENCY MEDICAL TRANSPORT SERVICES
In a medical emergency, IMG provides Emergency Medical
Transport Services that have a proven track record of helping
travelers get the care they need. IMG also helps contain program
costs and coordinates communications across borders andconstituents every step of the way home. The transportation
services outlined under Emergency Medical Transport areincluded at no additional cost.

Emergency Medical Evacuation
Medial Repatriation
Repatriation of Mortal Remains
Vehicle Return
Dispatch of Physician

S E C U R I T Y A S S I S TA N C E S E R V I C E S
Security and safety may be a traveler’s biggest concern while
away from home. Give your travelers hands-on guidance andpeace of mind in the event of safety threats. Security evacuation
services outlined in this section are offered to the member for up
to 4 days of security evacuation coordination.

Political Evacuation
Natural Disaster Evacuation

This document is for informational purposes only and describes IMG’s general capabilities and a broad overview of the services it offers. The actual services and payments that IMG
arranges or provides for you will be determined by your services contract. IMG has procured first-dollar insurance, underwritten by a licensed third-party insurance company, to cover
the cost of all services, including any medical transportation or political, natural disaster, or security evacuations. All services must be arranged and paid by IMG.

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MP+International® Plan Summary

PHYSICAL HEALTH

FINANCIALPROTECTION

Optional Supplemental Programs (continued)
Group Life InsuranceGroup Term Life and Accidental Death and Dismemberment benefits are available for principal amounts of $10,000 and greater.
Dependent Life Insurance is available as an optional coverage. It provides $10,000 of coverage for the dependent spouse and $5,000 ofcoverage for each dependent child over the age of six months.

Group Dental Insurance

Plan I

Plan II

Plan III

Calendar Year Maximum per Person$1,000$1,000$1,500Individual Deductible

$50

$50

$50

Family Deductible

$150

$150

$150

Class I, Diagnostic, Preventive
Emergency Palliative Treatment - Not subject to deductible

100%

100%

100%

Class II, Basic Services
X-Rays, oral surgery, extractions, endodontics, periodontics, anesthesia

80%

80%

80%

Class III, Major Services
Prosthodontics (bridges, partial dentures), major restorative services (crowns, inlays)

50%

50%

50%

Orthodontia
Separate lifetime maximum of $1,000 for Plan II and $1,500 for Plan III to age 19

0%

50%

50%

Schedule of Benefits

PHYSICAL HEALTHCRISIS SUPPORTMENTALWELLNESSMP+International Virtual Programs
Remote Mental Health Services and Employee Assistance Program
Our service for mental health that supports mental, financial, physical,
and emotional wellbeing. Whether you have questions about handlingstress at work and home, parenting and child care, managing money,or health issues, you can turn to Remote Mental Health Services for a
confidential service you can trust. Anytime, 24/7, 365 days a year.
Travel Intelligence
A vital companion that provides access to dynamic information andallows the user to subscribe for location-specific alerts for ten threat
categories, including Security, Transportation, Health, Entry/Exit,
Financial, Language, Cultural, Environmental, Legal, and Technology.
Prior to travel, the portal can also be accessed to provide informationsuch as visa, passport, immunization requirements, local customs, andmedical referrals.
Teleconsultation*
Teleconsultation provides access to a national network of boardcertified doctors and pediatricians in the U.S. who are available 24 hours
a day, seven days a week, 365 days a year to help diagnose, treat, andprescribe medication (when necessary and available) for many nonemergent medical issues via phone or online video consultations.
Teleconsultation does not replace existing primary care physician
relationships, but supplements them as a convenient, affordable
alternative for non-emergency medical care.

*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 duringa Teleonsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.
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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MP+International® Plan Summary

Medical Management Without BoundariesSM
The ability to access quality health care is of paramount importance when a medical emergency arises abroad. From routine medical care
to complex case management, from check-ups to emergency medical evacuations, IMG is there to offer our expertise in cost containment
and a unique blend of valuable services including:International Utilization Management

Utilization Management is the process of determining whether the services delivered or scheduled to be delivered to a patient are
medically necessary and appropriate. By using established national medical guidelines, evaluation is provided for the medical necessity
for hospitalizations and outpatient services and the appropriateness of the overall treatment plan.
The key to successfully managing rising health care costs is early identification of catastrophic cases, and then taking action to manage
those cases. Precertification is used as a key tool for this early identification of a patient’s entry into the health care system. This allows our
medical staff to be proactive in working with both the patient and the providers, ensuring delivery of health care in the most appropriate
and cost-effective manner. Precertification is not a guarantee of payment. It is only a review of medical necessity.
Prior to receiving treatment, members will need to precertify the following procedures to avoid a reduction in benefits:
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Chemotherapy
Extended Care Facility
Home Nursing Care
Hospice Care
Inpatient Hospitalization

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Interfacility Ambulance Transfer
Radiation Therapy
Surgery or Surgical Procedure
Transplant
Maternity

International Comprehensive Care Management
Our medical staff will coordinate care for your members who have highly complex cases requiring detailed management. These services
may include:Concurrent review and monitoring of medical services for medical necessity
Coordination of the hospitalization and any necessary post-discharge careTransition of patient to a U.S.-based care manager upon return to the U.S.

Medical Claim Review
If your members have received a hospital bill, there is a possibility that they have been overcharged. Most claim administrators haveinvested significant amounts of money incorporating claims auditing software in the claims system. IMG takes the claim review process
one step further by examining the details behind documents submitted by the medical provider. Our auditors review medical records toensure that all the services billed were actually delivered and delivered in the quantities billed.
Our goal is to ensure that your members only pay for the services that were actually rendered.

This document is for informational purposes only and describes IMG’s general capabilities and a broad overview of the services it offers. The actual services and payments that IMG
arranges or provides for you will be determined by your services contract. IMG has procured first-dollar insurance, underwritten by a licensed third-party insurance company, to cover
the cost of all services, including any medical transportation or political, natural disaster, or security evacuations. All services must be arranged and paid by IMG.

MP+International® Plan Summary8Medical Travel Management
IMG’s cutting-edge services are aimed at providing needed premium stability. Claim costs drive premiums. Where your missionaries
receive their medical care can, in large part, significantly impact your organization’s claim costs. Encouraging your members to receive
their medical care overseas whenever feasible can help you take control and manage your claim costs. As a rule, medical care received in
the U.S. will be considerably more costly than the same care received overseas. The more your members receive medical care overseas,
the greater the savings in claim cost to your medical plan. The greater the savings, the more stable the premium.
We offer Medical Travel Management, an industry unique service designed to assist your members who are considering expensive
medical procedures in the U.S. by incentivizing them to consider receiving that care with qualified providers overseas. The value to your
medical plan can be quite substantial when thousands of dollars in cost savings can be realized. And the benefit for your members? They
can be paid a percentage of the realized savings when the cost of the procedure performed in the U.S. is greater than the cost of thesame procedure incurred overseas. It’s a win-win situation for everyone!
The entire process is managed and coordinated for the benefit of your members by an experienced case manager with the full resourcesof IMG, including our in-house physician–IMG’s Chief Medical Officer. Your members are presented with access to their options so they
can make an informed decision. Participants are assigned a designated case manager to help with the preparation of their treatment
including:Assistance in locating an accredited and qualified
medical provider(s) to provide the necessary medical
services
Coordination of the necessary services with theparticipant and with the medical provider, including
patient care, travel, scheduling, and housing

Providing assistance with transfer and receipt of medical
records before and after the services provided to theparticipant
Providing follow-up services to monitor medical needs
after return of participant to residence

Do you have everything you need?
We are confident that MP+International will provide the quality medical coverage specific to your organization and group members’
needs. For groups of a certain size, MP+International also offers the flexibility to customize benefits. Please do not hesitate to contact
your insurance producer and/or IMG for more information. Our reputation for excellence has been built on providing top-tier programs toorganizations like yours around the world, and we will work closely with you to design the benefits package to meet your specific needs.

This document is for informational purposes only and describes IMG’s general capabilities and a broad overview of the services it offers. The actual services and payments that IMG
arranges or provides for you will be determined by your services contract. IMG has procured first-dollar insurance, underwritten by a licensed third-party insurance company, to cover
the cost of all services, including any medical transportation or political, natural disaster, or security evacuations. All services must be arranged and paid by IMG.

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MP+International® Plan Summary

IMG PRODUCER USE ONLY

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-insurance-plans.aspx?imgac=531050&app_method=2&svi=1

Telephone: +1.317.655.4500
Fax: +1.317.655.4505
Email: insurance@imglobal.com

CM0050A2226231120

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