Why should you buy the Global Navigator Plan?

Here are some reasons you should consider the Global Navigator health plan:

Reason 1: Medical Expense Coverage

During your international experience, you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. In addition, you may wish to return home for either routine care or the treatment of an unexpected illness.

The Medical Benefits provided under the Global Navigator health plan can help protect you against these unforeseeable circumstances regardless of where you are.

Reason 2: Medical Evacuation and Other Coverages

In addition to Medical Benefits, the Global Navigator plan provides other valuable benefits, including:

• Medical Evacuation Coverage, to transport you to higher quality medical care in the event of serious illness.
  
  
• Accidental Death & Dismemberment Coverage.
  
  
• Pharmacy Coverage, which includes coverage for prescription medications inside and >outside the U.S.

See the Plan Description for detailed benefits, exclusions, and limitations.

Reason 3: Ready Access to Quality Care

In addition to health protection, you'll receive access to HTH Worldwide's global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 180 countries. Detailed provider profiles, including medical training, are available online. Global Navigator customers who require hospital care overseas can receive full profiled international treatment options and, in the event of an unforeseen emergency, round-the-clock support, including assistance with evacuation. In most cases, HTH can pay providers directly (not available everywhere), saving you from using personal funds upfront. For care in the U.S., the Global Navigator plan includes access to centers of excellence and a U.S. PPO network. Members also have the freedom to choose any doctor or hospital, worldwide.

Reason 4: Global Navigator Offers the Strength of a U.S. Insurer

Global Navigator is underwritten by an outstanding U.S. Admitted Company-- BCS Insurance Company, which is rated A- (Excellent) by A.M. Best for financial strength. BCS Insurance Company, known for innovative product development and special risk underwriting, is based in Oakbrook Terrace, Illinois. To find out more about BCS, visit http://www.bcsigroup.com/plan/about/introduction.html

Reason 5: Global Navigator Offers Advantages over Competing Plans

The Global Navigator health plan has met the standards of U.S. regulators and thus features benefits more generous than non-admitted "surplus coverage."

• No limit on time spent in or out of the U.S.
• Deductible is waived for office visits to participating providers.
• U.S.Creditable Coverage - the pre-existing condition exclusion can be reduced or waived.
• No waiting period associated with any preventive services.
• Covers injuries or illnesses that are a result of a terrorist act.