Terms of Business

An important statement of HealthCare International

Some important facts about your Private Medical Insurance plans are summarised below. This summary does not contain the full terms and conditions of the cover for each plan; these can be found in the full policy wording. It is important that you read the Policy wording thoroughly when you receive it, to make sure you understand the cover it provides.

Name of the Insurance Undertaking

All of HealthCare International Medical Plans are underwritten by Sagicor Capital Life Insurance Company Limited, 34 The Mall, Bromley, Kent, BR1 1TS, United Kingdom. Sagicor Capital Life Insurance Company Limited are regulated and governed exclusively by the Laws of England and rated "A" (excellent) by A.M. Best rating agency

Our Service to You

We will not provide you with advice or a recommendation. We will however, provide you with information and details on all of our products. In the event that you wish to proceed, we will need your consent to do so. In the event that you are confused or wish to compare any of our products with others on the market place, we would recommend that you contact an independent intermediary or broker for their advice.

Type of Insurance Cover

All of our Medical Plans are International Private Medical Insurance policies providing cover for the treatment of qualifying medical conditions and are designed to specifically meet the needs of the expatriate and their families. This cover is written on a moratorium basis. This means that if we have accepted any pre-existing conditions, then they are covered for the life of the policy. A full explanation of the terms and conditions can be found in our policy wording.

Significant Features and Benefits

The policies (subject to individual plan benefits and levels of cover) will include the following features:

· Full cover for In-patient and Day-care treatment (except psychiatric treatment)

· Out-patient treatment – including cover for xrays, diagnostic tests, specialist & consultants’ fees, physiotherapy, MRI & CT scans, etc. subject to plan limitations.

· Compassionate Emergency Home Visits

· Emergency Evacuation and Repatriation

· Repatriation, burial or cremation of mortal remains.

· Nursing at home immediately after or instead of in-patient or day-care treatment.

· Legal expenses cover.

· Emergency medical treatment outside area of cover.

· Dread, Chronic Disease.

· Child Birth.

· Annual Health Checks

· Personal Accident

· Dental

· Please see our Comparison Chart for more details.

Significant and Unusual Exclusions or Limitations

The following are excluded from cover under your policy:

· Pre-existing conditions for the first 24 months unless permanently excluded.

· Birth defects and congenital abnormalities for the duration of the Policy

Your cover will remain in force for a period of 12 months and is automatically renewed each year provided the premium has been paid for the relevant period. Premiums are age related and may increase at renewal due to an increase in your age and/or an increase in medical inflation.

Right of Cancellation

We trust you will be happy with the cover this policy provides. However, you have the right to cancel it within 14 days of receiving the policy. If that happens, we will refund your premium in full, providing you have not made a claim on your policy in that period and we have the policy documents returned to us within the 14 days.

As your policy will automatically renew at the anniversary of the commencement of your policy, if youwish you cancel the policy at this time, you must give us 2 months written notice of your intention to do so. We will send you renewal terms 2 months prior to your plan anniversary. You should refer to the Charges section of your policy Document.

If you do not exercise your right to cancel within the cancellation period, the contract will remain in force and all premiums will be payable in accordance with the terms of the policy. A full explanation of the conditions for cancelling cover can be found in our policy wording.

Making a Claim

Please call +44 (0)20 8466 4320, fax +44 (0)20 7928 4748 or email claims@healthcareinternational.com for further advice.

Complaints Procedure

We hope that you will be very happy with the service we provide. However, if you have a complaint you should address it in writing to: Compliance Officer, HealthCare International Global Networks Limited, UK Administration Office, 160 Brompton Road, London SW3 1HW, United Kingdom.

We are covered by the Financial Ombudsman Service, so in the event that you have made a complaint that we are unable to resolve, you may then be entitled to refer it to this independent body. In the event that you are still dissatisfied after contacting the above office, you should then direct your complaint in writing to: The Financial Ombudsman Service, South Key Plaza, 183 Marsh Wall, London E14 9SR

Please ensure that you quote your policy number in all correspondence, so that your complaint can be dealt with speedily.

Compensation

HealthCare International Global Network Limited is authorised and regulated by the Financial Services

Authority (FSA) licence No. 314761 and Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of insurance and the circumstances of any claim. You can check this on their website at: www.fsa.gov.uk