2016 Whitaker Program PreDeparture Orientation Comprehensive Worldwide Health

2016 Whitaker Program Pre-Departure Orientation Comprehensive Worldwide Health Insurance & 24/7 Medical/Security Assistance for IIE Participants Health Insurance Overview for 2016 Presented to: 2016 Whitaker Program Participants and IIE Colleagues on July 7, 2016 Presented by: Margot Popowycz, Senior Account Executive, Cultural Insurance Services International (CISI) © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Cultural Insurance Services International (CISI) and our Partners: • Founded in 1992 • Located in Stamford, CT • Primary Focus – Insuring Cultural Exchange Participants • Claims processed by CISI’s Benefit Analysts in Stamford, CT • CISI Hours: Mon-Fri 9: 00 to 5: 00 pm • Medical Assistance Partner – AXA Assistance, Chicago, IL – available 24/7 • Security Assistance Partner – i-JET, Annapolis, MD – available 24/7 • Dependent Insurance Option: http: //www. caremed-travelinsurance. com/ © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… IIE Policy GLM N 04849681 O Plan Benefits/Limits: • Medical Expenses for Participants: $500, 000 per Injury/Illness • $50 Deductible per Injury/Illness • Accidental Death & Dismemberment for Participants: $100, 000 • Home Health Care: covered following a 3 -day hospitalization • Physiotherapy – inpatient up to $10, 000; outpatient $50/visit, 10 visit/max. , outpatient must be within 30 days of surgery or hospitalization • Injuries/Illnesses which began while covered overseas and require additional follow-up care after the reported coverage end date © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… IIE Policy GLM N 04849681 O Plan Benefits/Limits (con’t. ): • Mental and Nervous Coverage – inpatient up to 45 days; outpatient 75% of covered expenses up to 40 visits then 60% thereafter • Incidental Home Country Coverage – up to $10, 000 • Accidental Dental – up to $250/tooth per accidental injury • Palliative Dental - $250/tooth up to $500, • Routine Dental – not covered • Emergency Medical Reunion – up to $2, 500 after hospitalized for >3 days, reimburses roundtrip economy air and hotel/meals up to $75/day • Return Ticket Benefit – up to $2, 500 for roundtrip economy airfare © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… IIE Policy GLM N 04849681 O Plan Benefits/Limits (con’t. ): • Emergency Medical Evacuation – 100% of Covered Expenses • Return of Mortal Remains or Cremation – 100% of Covered Expenses • 24/7/365 Medical/Travel/Technical Assistance Services • Colonoscopy – covered for screening • Annual Mammogram and Pap Smear - covered • Maternity – covered • Infertility Treatments – not covered • Contraceptives – not covered • Termination of Pregnancy – up to $500 © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… IIE Policy GLM N 04849681 O Plan Benefits/Limits (con’t): • Substance Abuse Treatment – inpatient 28 days; outpatient 30 days • Injuries/illnesses caused by Alcohol or Drugs – covered • Ground Ambulance – covered up to $1, 000 • Suicide or Self-inflicted Injuries/Illnesses – covered • Pre-existing Conditions – covered up to $20, 000 • Security Evacuation – 4 Basic triggers are covered up to $100, 000 © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… How to reach CISI: If you have any questions regarding your benefits or the claim submission process, do not hesitate to contact CISI. Please include your policy number (GLM N 04849681 O) on all communications submitted to CISI by e-mail or mail. To reach a CISI Claims Representative: Phone: (800) 303 -8120 ext. 5130 (toll-free from within the US) (203) 399 -5130 (from outside the US, collect calls accepted) E-mail: claimhelp@culturalinsurance. com Mail: Cultural Insurance Services International (CISI) 1 High Ridge Park Stamford, CT 06905 © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Team Assist Plan (TAP)-24/7/365 Assistance Three Main Categories of Assistance: * Medical Assistance * Travel Assistance * Technical Assistance © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Team Assist Plan (TAP)-24/7/365 Medical Assistance: • Medical referrals • Prescription medication availability/legality by country • Assistance with protocol for shipping prescription drugs • Coverage/payment verification to foreign providers • Determining adequacy of foreign medical facility • Medical monitoring by Team Assist Medical Department doctors • Medical consultation between attending physician and U. S. doctor • Medical translator services for insureds/parents © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Team Assist Plan (TAP)-24/7/365 Travel Assistance: • Pre-travel information including visa/passport requirements • Currency conversion or purchase • Up-to-the-minute travel delay reports • Up-to-the-minute travel supplier strike information • Worldwide public holiday information • Traveler’s check replacement help • Lost/delayed luggage tracing • Help in replacing lost/stolen airline ticket • ATM locator © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Team Assist Plan (TAP)-24/7/365 Technical Assistance: • Emergency message transmittal • Important document replacement • Locating legal services (connection to free initial consultation by calling Team Assist (AXA) immediately 24/7) • Assistance in posting bond/bail • Embassy or consulate referral • Help in obtaining emergency cash • Translator services © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Medical Evacuation/Repatriation: • Contact AXA Assistance to open a medical file • Transport to nearest adequate medical facility or • Transport back to the Home Country if unable to continue the program • Must be deemed Medically Necessary by the local physician in conjunction with one of AXA Assistance’s physicians • Must be arranged and approved by AXA Assistance (our 24/7 assistance provider) in order for expenses to be covered © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Return of Mortal Remains/Cremation: • Contact AXA Assistance to report the death • Transports an insured’s remains back to their Home Country • Expenses for embalming, cremation, and a minimally necessary container appropriate for transportation are covered • Shipping expenses and necessary government authorizations are covered • Must be arranged and approved by AXA Assistance (our 24/7 assistance provider) in order for expenses to be covered © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Security Evacuation Potential Triggers: 1. expulsion from a Host Country or being declared persona non-grata on the written authority of the recognized government if a Host Country; 2. political or military events involving a Host Country, if the Appropriate Authorities issue an Advisory stating that citizens of the Insured Person’s Home Country or Country of Residence or citizens of the Host Country should leave the Host Country (evacuation must be within 30 days of Advisory); 3. deliberate physical harm of the Insured Person confirmed by documentation or physical evidence or a threat against the Insured Person ’s health and safety as confirmed by documentation and/or physical evidence; 4. after the Insured Person had been deemed kidnapped or a Missing Person by local or international authorities and, when found, his or her safety and/or wellbeing are in question within seven days of his or her being found. **As with Medical Evacuations and Return of Mortal Remains, any of the above must be arranged and approved by AXA Assistance (24/7 assistance provider) in order for expenses to be covered ** © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… In cases of medical or security related emergency please contact our 24/7/365 emergency assistance provider: Emergency Assistance Provider: AXA Assistance (generically known as Team Assist) Phone: (855) 327 -1411 (calling toll-free from within the US) (312) 935 -1703 (calling outside the US, collect calls accepted) E-mail: medassist-usa@axa-assistance. us ** This information is also on each participant’s ID card as well as in the coverage brochure just below the claim form. ** © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

In cases of medical or security related emergency please Worldwide Health Insurance & 24/7 Medical/Security Assistance… contact our 24/7/365 emergency assistance provider: Emergency Assistance Provider: AXA Assistance Phone: (877) 577 -9504 (calling toll-free from within the US) (240) 330 -1520 (calling outside the US, collect calls accepted) E-mail: ops@AXA Assistance-usa. com © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… In cases of medical or security related emergency please contact our 24/7/365 emergency assistance provider: Emergency Assistance Provider: AXA Assistance Phone: (877) 577 -9504 (calling toll-free from within the US) (240) 330 -1520 (calling outside the US, collect calls accepted) E-mail: ops@AXA Assistance-usa. com © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… In cases of medical or security related emergency please contact our 24/7/365 emergency assistance provider: Emergency Assistance Provider: AXA Assistance Phone: (877) 577 -9504 (calling toll-free from within the US) (240) 330 -1520 (calling outside the US, collect calls accepted) E-mail: ops@AXA Assistance-usa. com © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… In cases of medical or security related emergency please contact our 24/7/365 emergency assistance provider: Emergency Assistance Provider: AXA Assistance Phone: (877) 577 -9504 (calling toll-free from within the US) (240) 330 -1520 (calling outside the US, collect calls accepted) E-mail: ops@AXA Assistance-usa. com © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.

Worldwide Health Insurance & 24/7 Medical/Security Assistance… Margot Popowycz, Senior Account Executive, CISI (presenting today): • mpopowycz@culturalinsurance. com • (203) 399 -5136 from overseas (M-F, 9 -5 pm EST) • (800) 303 -8120 ext 5136 from the U. S. toll-free (M-F, 9 -5 pm EST) Renata Marut, Medical Benefit Analyst (processes most IIE claims): • rmarut@culturalinsurance. com • (800) 303 -8120 ext 5565 from the U. S. toll-free, from overseas 203 -399 -5565 (M-F, 9 -5 pm EST) • E-mail address for claims: claimhelp@culturalinsurance. com • Mailing address for claims: Cultural Insurance Services International, 1 High Ridge Park, Stamford, CT 06902 -3788 Ellen Vetrano, Claims Operations Manager, CISI (oversees processing of all CISI claims): • evetrano@culturalinsurance. com • (203) 399 -5511 from overseas (M-F, 9 -5 pm EST) • (800) 303 -8120 ext 5511 from the U. S. toll-free (M-F, 9 -5 pm EST) Thank you for the opportunity to review IIE’s customized coverage with you…questions? © Cultural Insurance Services International (CISI) – Customized protection for international education and cultural programs. All rights reserved.