When you and your family are traveling abroad, probably the last thing on your mind is your health insurance. But what would happen if you or one of your family members became ill or injured while away from home and the treatment you need isn’t available nearby?

Most travelers assume that their standard medical plan will cover the services necessary to get you to the nearest medical facility. The truth is, while traditional plans may offer adequate domestic coverage, they may not be designed to provide this expensive service internationally.

What would you do if you needed to be evacuated to a qualified medical facility? How would you deal with the language and currency barriers? Who do you call? Imagine trying to call your insurance company or plan administrator at 3:00 a.m. from a foreign country during a medical emergency! Will they be there when you need them the most?

International Medical Group^® (IMG^®) has developed Sky Rescue^SM to provide you and your family Coverage without Boundaries^®.

The Sky Rescue plan provides scheduled coverage for individuals under the age of 65 traveling outside their home country for a minimum of three months. The plan may be purchased for three months, six months or 12 months.

When you incur eligible medical expenses, the plan will provide benefits for Usual, Reasonable and Customary charges up to the limits outlined in the Schedule of Benefits. Except for the Personal Liability Coverage, there will be no deductibles or coinsurance for this plan. In addition to the standard benefits, the primary insured person also has the option of purchasing enhanced Accidental Death and Dismemberment coverage.

Since 1990, International Medical Group has provided a unique, full-service approach to insurance coverage. Dedicated exclusively to the international insurance market, IMG provides coverage services to individuals and families in more than 150 countries.

Medical treatment while traveling is often an unfortunate fact of life. IMG's goal is to make the medical process a smooth and efficient one. IMG’s multilingual claims administrators, on-site medical staff, and customer service professionals work together to give you true Global Peace of Mind^®. IMG representatives are available 24 hours a day, seven days a week, 365 days a year for medical emergencies, evacuations and precertification. You can rest assured that IMG will be there for you whether it be for routine treatment or during a medical emergency.

With this tool you have the ability to access the information you need to manage your account online 24 hours a day, seven days a week from anywhere in the world. You can check the status of your claims submissions, retrieve explanation of benefits, read announcements, obtain certificate documents, initiate precertification and search for physicians within the First Health Network (PPO) as well as through the International Provider Access^SM (IPA), a database of over 8,600 facilities outside the United States!

ACM^® is a URAC accredited health care management company specializing in the complete spectrum of Medical Management Services. ACM offers a unique blend of service components and expertise in cost containment. Rather than work with a third party vendor in dealing with Emergency Medical Evacuation, Precertification, Disease Management, Medical Claims Auditing, Claim Rate Negotiations and Large Case Management, you will work directly with IMG's wholly-owned subsidiary, ACM, and receive the security you need, along with peace of mind.

This is a summary of benefits only. Please see below for a list of benefit descriptions.

*Optional coverage is available for the primary insured person only. This coverage is in addition to the $100,000 Accidental Death and Dismemberment included in the Sky Rescue plan.

All premium rates are in U.S. dollars and are effective through 12/31/08. Rates include 2.5% surplus lines tax where applicable.

Your satisfaction is very important to the plan underwriter, and to IMG as the plan administrator. If, for any reason, you are not pleased with this product, you may submit a written request for cancellation and refund of your premium. The request must be received by IMG prior to your effective date of coverage.

1. Coverage and benefits are subject to all terms of the certificate of coverage and Master Policy.
2. Coverage under the plan is secondary to any other coverage.
3. Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
4. Charges must be administered or ordered by a physician.
5. Charges must be incurred during the Period of Coverage or the Benefit Period.
6. Claims must be presented to IMG for payment within the Period of Coverage, Benefit Period or during the three months immediately following the Period of Coverage.

The following condition applies to all persons applying for and/or enrolling in Sky Rescue.

• Sky Rescue is travel insurance for U.S. citizens under the age of 65 traveling outside the United States and for non-U.S. citizens under the age of 65 traveling outside their home country.

The Sky Rescue plan can be rewritten for succeeding or subsequent periods once the initial Period of Coverage expires. New Deductible, Eligibility, Conditions of Coverage and Pre-Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application must also be completed.

You should read the following important information prior to completing the Application Form.

HOW TO ENROLL
Before you begin your travel, simply fill out the Application Form and calculate the premium for the time period you and your family will be traveling. Once you have completed the Application Form, return it to us.
You, your spouse and unmarried dependent children (over 14 days and under 18 years of age) listed on the Application Form and for whom premiums have been paid will be covered from the latest of the following dates:

1. the date IMG receives your completed Application Form and the appropriate premium (for non-U.S. citizens, the date following such receipt);
2. the date you depart from your home country; or
3. the date requested on your Application Form.

Sky Rescue coverage ends on the earliest of the following dates:

1. the end of the period for which premium has been paid;
2. the date requested on your Application Form; or
3. the date you return to your home country.

IMG normally processes Application Forms within 24 hours of receipt. Once processing is complete, IMG will mail a fulfillment kit to the mailing address listed on the Application Form. The fulfillment kit will include an IMG Identification Card, IMG contact numbers, Claim Forms and your insurance certificate providing a complete description of your rights and benefits under the contract. Please note: If you require express mail delivery, there is an additional charge listed on the Application Form.

You may choose to download your fulfillment kit from this website rather than having it mailed to you. To do this, you must check the appropriate box on the Application Form. We must have your correct email address to complete this process. Once IMG has received and processed your Application Form, you will receive an email from IMG that contains all of the hyper-links to obtain the fulfillment information through the Internet.

CLAIM PAYMENT
All benefits payable under Sky Rescue are subject to the provisions described in this brochure and as contained in the Policy Wording and certificate of coverage. To make claim processing efficient, claims may be paid in two ways.

1. Eligible claims that have been paid by or on behalf of the Insured Person will be reimbursed directly to the Insured Person. Payment will be sent by check.
2. Eligible claims that have not yet been paid by the Insured Person will, at the option of IMG, be made either to the Insured Person or directly to the provider.

Please mail completed claim forms to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. All IMG contact numbers, claim forms and Certificate Wordings will be included in the fulfillment kit. IMG may also be contacted by fax: 1.317.655.4505.

EMERGENCY MEDICAL EVACUATION, EMERGENCY REUNION AND REPATRIATION COVERAGE:

1. All Conditions and Exclusions apply to these coverages.
2. All Emergency Medical Evacuation, Emergency Reunion and Repatriation expenses, including all costs arising from trips outside the country where the incident which gave rise to the claim occurred, must be approved and coordinated in advance by IMG to be eligible for coverage.

EMERGENCY EVACUATION:
The plan includes coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred up to US$100,000. Up to US$25,000 will be paid for the eligible costs and expenses of an emergency medical evacuation arising or resulting from a sudden and unexpected recurrence of a pre-existing condition.

EMERGENCY REUNION:
The plan provides emergency reunion coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

RETURN OF MORTAL REMAINS:
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered, up to a maximum of US$20,000.

RETURNING MINOR CHILDREN:
If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the plan will pay up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).

POLITICAL EVACUATION:
If the United States Department of State, Bureau of Consular Affairs issues a travel advisory that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company will pay up to US$10,000 for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:

1. The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular affairs issues the travel advisory;
2. Political Evacuation and Repatriation is approved and coordinated by the Company.

ACCIDENTAL DEATH AND DISMEMBERMENT:
In the event of the accidental death of an insured, the plan will pay US$100,000 to the insured's estate or designated beneficiary provided that the death was not the result of a pre-existing condition. In the event of dismemberment suffered by an insured, the plan will pay as specified above.

TRIP INTERRUPTION:
If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured’s principal residence, the plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

LOST LUGGAGE:
This benefit will be paid in the event that the Common Carrier permanently loses an insured person’s checked luggage. This coverage is secondary to any other available coverage, including the Carrier’s.

EMERGENCY TRAVEL ARRANGEMENTS:
In the event you must return home or discontinue your trip as a result of an interruption in travel due to an illness of your spouse, child, parent, in-law, or grandparent, IMG will help you make the appropriate travel arrangements. You are responsible for the cost of the travel tickets.

LOST PASSPORT/TRAVEL DOCUMENTS ASSISTANCE:
IMG will help you report, retrieve or replace lost or stolen travel documents, such as your passport, credit cards and airline tickets.

LOST LUGGAGE ASSISTANCE:
IMG will assist you in communicating with the commercial carrier for the return of your lost luggage.

EMBASSY OR CONSULATE REFERRAL:
IMG will inform you of the location and contact telephone numbers for the nearest embassy or consulate, no matter where you are.

EMERGENCY MESSAGE RELAY:
IMG will receive or transmit emergency messages between you, your family and your employer.

EMERGENCY PRESCRIPTION REPLACEMENT:
IMG will assist with the replacement of lost or damaged prescription medication. You are responsible for the cost of the actual medication and shipping costs (if any).

MEDICAL REFERRAL:
If urgent medical advice or care is needed, IMG is prepared to refer you to the nearest appropriate care facility or provide a listing of available medical care to you. IMG will also help with obtaining an appointment with the medical care provider you have chosen.

24-HOUR MEDICAL MONITORING:
If you are hospitalized, IMG will provide medical professionals to communicate with your treating doctor(s) and help you monitor your condition. IMG can also communicate with your family doctor as you direct.

EMERGENCY CASH TRANSFER:
IMG will help you transfer funds, up to US$500, in the event of a medical or travel emergency.

LEGAL REFERRALS:
IMG will provide you with a referral to the nearest attorney.

EMERGENCY TRANSLATIONS:
IMG will provide personal, emergency telephone translation services and referral to a local interpreter service should you require language assistance.

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Sky Rescue plan.

1. Pre-existing Conditions. A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
2. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
3. AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
4. Charges for pre-natal care, delivery, post-natal care, and care of newborns, including complications of pregnancy, miscarriage, complications of delivery and/or complications of newborns.
5. Injury sustained while participating in amateur or professional sports, including practice or preparation for such sports, or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, wind-surfing and whitewater rafting.
6. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the Insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
7. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
8. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
9. Willfully self-inflicted injury or illness.
10. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
11. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
12. Treatment for mental and nervous disorders.
13. Charges incurred for any travel, meals, transportation and/or accommodations, except as otherwise expressly provided for in this insurance.
14. Any taxes, involuntary or forced contributions, assessments, charges, fees or surcharges imposed by any governmental agency or authority.

This brochure contains only a consolidated and summary description of all current Sky Rescue benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.