+44 (0) Affordable medical insurance which is with you wherever you go

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1 +44 (0) Affordable medical insurance which is with you wherever you go

2 exclusive medical insurance created for international contractors

3 Exclusive, affordable medical insurance for international contractors As a contractor, finding good quality, affordable health insurance can be difficult at the best of times particularly when you are moving from one place to another at a moment's notice. Whether you are looking for just basic in-patient cover or something more comprehensive, our range of plans offers you a choice. Comprehensive, affordable medical insurance designed for Contractors Choose from three levels of cover Bronze, Silver or Gold Select from either 3, 6, 9 or 12 months' cover Available in USD $, GBP or EURO Emergency Medical Evacuation, Second Opinion Service, Compassionate Travel and Crisis Management Assistance cover included as standard Global Emergency Blood Transfusion Service Affordable medical insurance Whichever plan you choose, we'll be on hand to help guide you through the process of finding the right specialist and the very best medical facilities available, no matter where in the world you may be. B BRONZE PLAN - includes hospital accommodation and treatment, HIV/AIDS benefit, emergency medical evacuation costs and out-of-area cover. S SILVER PLAN - includes hospital accommodation and treatment, outpatient specialist services, general practitioner fees, prescription drugs, cancer care, HIV/AIDS benefit, emergency medical evacuation costs and out-of-area cover. G GOLD PLAN - includes hospital accommodation and treatment, outpatient specialist services, general practitioner fees, prescription drugs, cancer care, dental treatment, maternity care, well-being, HIV/AIDS benefit, emergency medical evacuation costs and out-of-area cover.

4 January 2016 Summary of Cover International Contractors Health Plan BRONZE SILVER GOLD Annual Maximum $1,700,000 $1,700,000 $1,700,000 INPATIENT TREATMENT BENEFITS Hospital Services Full Refund Full Refund Full Refund Hospital Cash Benefit (per night) $425 (max 30 days) $425 (max 30 days) $425 (max 30 days) Parental Accommodation Full Refund Full Refund Full Refund Daycare Treatment Full Refund Full Refund Full Refund In-patient Psychiatric Treatment Full Refund (max 30 days) Full Refund (max 30 days) Full Refund (max 30 days) Reconstructive Surgery Full Refund Full Refund Full Refund Accident and Emergency Room Treatment Full Refund Full Refund Full Refund Organ, Bone Marrow Transplant & Stem Cell Treatment $170,000 $170,000 $170,000 Internal Prostheses, Medical Aids & Devices Full Refund Full Refund Full Refund Hospice Care Full Refund (max 15 days) Full Refund (max 15 days) Full Refund (max 15 days) Local Road Ambulance Services Full Refund Full Refund Full Refund POST TREATMENT BENEFITS Post Hospital Treatment $850 Covered Under Out- Patient Services Covered Under Out- Patient Services Rehabilitation Care $170,000 Lifetime Limit $170,000 Lifetime Limit $170,000 Lifetime Limit External Prostheses, Medical Aids & Devices $425 $850 $1,275 CANCER TREATMENT Oncology, Chemotherapy and Radiotherapy Full Refund Full Refund Full Refund Cancer Counselling $1,700 $1,700 $1,700 Artificial Hair Benefit $1,700 $1,700 $1,700 EMERGENCY MEDICAL EVACUATION Emergency Medical Evacuation Full Refund Full Refund Full Refund Supplementary Expenses Included Included Included Emergency Non-Medical Evacuation Full Refund Full Refund Full Refund Compassionate Home Travel Return Economy Air Ticket Return Economy Air ticket Return Economy Air ticket Repatriation or Local Burial $12,750 $12,750 $17,000 OUTPATIENT TREATMENT BENEFITS MRI, CT. PET Scans Full Refund Full Refund Full Refund Hormone Replacement Therapy Full Refund Full Refund Full Refund

5 BRONZE SILVER GOLD Outpatient Services General Physician Fees Specialist and Consultant Fees Prescription Drugs & Dressings X-Rays, Diagnostic and Pathology Full Refund Full Refund Physiotherapy (up to 20 sessions) Full Refund Full Refund Complementary Therapies Full Refund Full Refund Outpatient Psychiatric Treatment Nursing at Home (to 26 weeks) Full Refund Full Refund Full Refund DENTAL CARE BENEFITS Dental Treatment Following an Accident Full Refund Full Refund Full Refund Routine Dental Treatment MATERNITY CARE BENEFITS Normal Pregnancy and Childbirth Complicated Pregnancy and Childbirth $17,000 Newborn Care $8,500 $8,500 $8,500 WELL BEING BENEFITS Routine Health Screening $510 Vaccination Benefit $340 $340 $340 ADDITIONAL BENEFITS $1,275 (20% co-insurance) $850 (20% co-insurance) $8,500 Per Pregnancy HIV / AIDS Benefit $17,000 Lifetime Limit $17,000 Lifetime Limit $17,000 Lifetime Limit Chronic Condition Treatment Covered Within Listed Benefits Covered Within Listed Benefits Covered Within Listed Benefits Out of Area Cover $34,000 (max 60 days) $51,000 (max 60 days) $68,000 (max 60 days) ADDITIONAL SERVICES Red 24 (Non-medical Crisis Assistance) Included Included Included Bloodcare Foundation (Blood Transfusion) Included Included Included Best Doctors (Second Opinion Service) Included Included Included The schedule of benefits is a brief outline of the plan benefits. All are subject to the definitions, conditions, limitations, exclusions and provisions of the plan. A copy of the policy wording is available at www. bellwoodprestbury.com/pmicontractors

6 Other Key Plan Benefits Our International Contractors Health Plans go beyond the basic definition of health insurance with access to Red24's crisis management assistance service, second medical opinion services and free membership of the Blood Care Foundation should an emergency blood transfusion prove necessary. Red24 is a crisis management assistance company who supports individuals and businesses to minimise risks in the event of a crisis. As a benefit of your International Contractors Health Plan, you will be provided with access to their webportal providing details of country-specific risk information. You will be able to access travel safety tips and advice and up-to-the-minute information on civil unrest, natural hazards and travel disruptions for hundreds of countries and cities worldwide. Their crisis support teams are on hand 24/7 on a global basis to coordinate activities should you need to use the Emergency Non-Medical Evacuation benefit. Best Doctors is an independent organisation that exists to supplement the healthcare options available to patients around the clock and around the world. If you receive an uncertain diagnosis or require a second medical opinion on a proposed treatment plan, you can access the service of Best Doctors. They will be able to arrange a review of your medical diagnosis and treatment plan with a world class specialist in a field that relates to your specific medical condition. Founded in the UK in 1991, the Blood Care Foundation is a charitable, not-for-profit organisation that can provide properly screened blood in an emergency. Should you be badly injured or require a blood transfusion, the Foundation has access to a global network of blood banks, enabling it to provide blood to almost any location in the world within hours, subject to the availability of scheduled air services. +44 (0)

7 International Contractors Health Plan How to apply for cover When you have decided what cover is suitable, all you need to do is get in contact with the specilaist team of advisors at Bellwood Prestbury who will be able to assist in finalising your plan. The application process is simple as we ask you to give only basic information about yourself and any members of your family you wish to insure; we will not ask you to give details of your medical history. The form can be downloaded from and forwarded to us either by , fax or post along with your payment information. However, please be aware that your new policy will not cover the treatment of any medical condition which was in existence at any time during the two years immediately before your policy started or the treatment of a specified condition related to a pre-existing condition. Any questions +44 (0) If you have any questions about the cover available under the International Contractors Health Plan or would like more information, please contact Bellwood Prestbury s team of advisors at: Bellwood Prestbury Tel : +44 (0) Imperial Square Fax : +44 (0) Cheltenham info@bellwoodprestbury.com GL50 1QB Web : United Kingdom

8 International Contractors Health Plan What isn t covered Whilst the cover benefits provided under each plan are extensive, there are a few items that are not covered - Pre-existing medical conditions any condition that you can reasonably be expected to know about prior to the date on which your cover commences Treatment that is not medically necessary Experimental treatment Injury sustained whilst participating in organized, professional and/or amateur sports Cosmetic surgery Treatment, purchase and fitting of false teeth Injury sustained whilst under the influence of alcohol or drugs Congenital abnormalities Self inflicted injuries Sexually transmitted diseases Services of a convalescent home, a hospice and healthcare at home for a full list of the policy exclusions, refer to the plan policy wording which is available at About this plan The International Contractors Health Plan is a product of Bellwood Prestbury Ltd. The plan has been created in partnership with APRIL International UK. April International UK Limited is an Appointed Representative of APRIL Medibroker Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Minster House, 42 Mincing Lane, London, EC3R 7AE, United Kingdom Registered in England No This product is designed, administered and distributed by APRIL International UK and insured by either Catlin Insurance Company (UK) Ltd. or Catlin Underwriting Agencies Limited. The services are designed and distributed by APRIL International UK.

9 International Contractors Health plan About Bellwood Prestbury Bellwood Prestbury are a leading global insurance specialist, arranging high-risk and complex cover for individuals, companies and organisations throughout the world. From oil and gas contractors in Iraq to humanitarian workers providing vital support in Africa, Bellwood Prestbury offers independent, affordable and tailored solutions to businesses located in most parts of the world by sourcing the right balance between premiums and benefit protection. Bellwood Prestbury are authorised and regulated by the Financial Conduct Authority (FCA) the regulatory body overseeing UK financial services firms. It is also a member of British Expertise, the leading UK organisation for British companies offering professional services internationally, and members of other specialist industry bodies. Bellwood Prestbury are accredited by the British Assessment Bureau to ISO 9001 Bellwood Prestbury is the trading style of Bellwood Prestbury Limited registered in England and Wales as company number Registered Office: 4 Imperial Square, Cheltenham, GL50 1QB. Bellwood Prestbury Limited is authorised and regulated in the United Kingdom by the Financial Conduct Authority.