Medical Assistance

24-Hour Worldwide Medical Information and Assistance
International SOS will arrange for the provision of medical advice over the telephone for any member calling an International SOS Alarm Center who is a traveler or expatriate. Note that a telephone conversation, even with the local attending physician, cannot establish diagnosis and must be treated as advice only.

Medical and Dental Referrals
International SOS will provide the member with names, addresses, telephone numbers and, if requested by a member and if available, office hours for physicians, hospitals, clinics, dentists and dental clinics (collectively called 'Medical Service Providers') within the area where the member is located. International SOS will assist members with the arrangement and confirmation of appointments with Medical Service Providers, provide assistance in arranging ground accommodations, post appointment communications and follow up with members. These recommendations are based on International SOS' best judgement and its knowledge of the local conditions and availability of medical services at the geographic location involved. International SOS does not guarantee the quality of the Medical Service Providers nor shall International SOS be liable for any consequences arising from or caused by the services provided by the Medical Service Providers. The final selection of Medical Service Providers shall be the responsibility of the member.

Dispatch of Medication and Medical Supplies
International SOS will, when and where practical and legally permissible, arrange for the delivery of medicines, drugs and medical supplies that are medically necessary for a member's care and/or treatment but which are not available at the member's location. The member will be responsible for the cost of the items dispatched and all shipping and handling charges.

Medical Monitoring
International SOS will monitor the member's condition if he or she is hospitalized abroad and keep the member's family informed with the agreement of the member.

Emergency Evacuation (IMPORTANT - Please refer to Exceptions point 2)
International SOS will arrange and pay for the ordinary and necessary expense of air and/or surface transportation, medical care during transportation, communications and all usual and customary ancillary charges incurred in transporting a member to the nearest hospital where appropriate medical care is available, which may be a location other than the member's home country or country of assignment. International SOS reserves the right, at its sole discretion, to determine whether the member's medical condition is sufficiently serious to warrant medical evacuation, the location to which the member will be evacuated and the means or method by which such evacuation or repatriation will be carried out. In making such arrangements, International SOS may consider all relevant circumstances, including, but not limited to, the member's medical condition, the degree of urgency, the member's fitness to travel, airport availability, weather conditions and travel distance in determining whether transportation will be provided by private, medically-equipped aircraft, helicopter, regularly scheduled flight, rail or land vehicle. Transportation shall be carried out under constant medical supervision, unless otherwise approved by an International SOS physician.

Medically Supervised Repatriation (IMPORTANT - Please refer to Exceptions point 2)
International SOS will arrange and pay for the ordinary and necessary expenses to transport the member to his/her home country or country of assignment for subsequent in-patient hospitalization or rehabilitative treatment following a medical evacuation where the member is transported to a place outside his/her home country or country of assignment. International SOS reserves the right, at its sole discretion, to determine whether the member's medical condition is sufficiently serious to warrant medical evacuation, the location to which the member will be evacuated and the means or method by which such evacuation or repatriation will be carried out. In making such arrangements, International SOS may consider all relevant circumstances including, but not limited to, the member's medical condition, the degree of urgency, the member's fitness to travel, airport availability, weather conditions and travel distance in determining whether transportation will be provided by private, medically-equipped aircraft, helicopter, regularly scheduled flight, rail or land vehicle. Transportation shall be carried out under constant medical supervision, unless otherwise approved by an International SOS physician.

Repatriation of Mortal Remains
International SOS will arrange and pay for all reasonable and necessary expenses for transporting the member's mortal remains from the place of death to the member's home country, or, if requested by a family member or legal representative and with International SOS' prior written approval, International SOS will arrange and pay for the reasonable and necessary expenses for local burial at the place of death outside the member's home country, such expenses not to exceed the cost to repatriate the member's mortal remains from the place of death to the member's home country.

Personal Assistance

Legal Referrals
International SOS will provide members with names, addresses, telephone numbers and, if requested by a member and if available, office hours for lawyers or legal practitioners within the area where the member is located. These recommendations are based upon the best judgment of International SOS and its knowledge of the local conditions and availability of legal services at the geographic location involved. International SOS does not guarantee the quality of the legal advice nor shall International SOS be liable for any consequences arising out of the services provided by the lawyer or legal practitioner. The final selection of the lawyer or the legal practitioner shall be the responsibility of the member.

Lost Document Advice and Assistance
International SOS will assist members who have lost important travel documents (e.g. passport, credit cards) by providing instructions for recovery or replacement.

Emergency Message Transmission
International SOS will receive and transmit emergency messages between the family and the member.

Emergency Personal Cash
International SOS will provide members with an emergency cash advance subject to International SOS first securing funds from the member or the member's family.

Medical Expense Guarantee
International SOS will guarantee and pay as agent for the member all costs associated with a member's in-patient or out-patient medical care subject to International SOS first securing funds from the member or the member's family. International SOS will monitor and provide medical evaluations of the member's condition and ongoing medical expenses when hospitalized.

Emergency Translation and Interpreter Services
In the event of an emergency situation, International SOS will provide personal telephone translation services and referrals of interpreter services through its alarm center network. A fee is charged if personal presence or customized services are required.

Claims Assistance
International SOS will assist members with coordinating overseas claims procedures with their insurance programs. Note—medical bills should not be sent to International SOS, but directly to the insurer, as directed by International SOS to avoid delays in settlement.

Travel Assistance

Transportation to Join a Hospitalized member
Following a member's medical evacuation and with International SOS' prior written approval, International SOS will arrange and pay for the cost of one economy-class, round-trip airfare for a relative or friend to join a member who has or will be hospitalized outside his/her home country or country of assignment for more than seven days.

Accommodation While Visiting Hospitalized member
International SOS will arrange and pay for hotel accommodation for the member's companion who is visiting the member while he/she is hospitalized outside his/her home country or country of assignment for more than seven days (not including personal expenses such as meals, telephone charges and personal services).

Transportation of Minor Children
If a member has minor children who are left unattended as a result of a member's injury, illness or medical evacuation, International SOS will arrange and pay for the cost of economy class one-way airfares for the transportation of such minor children to the member's home country or country of assignment.

Return of Traveling Companion
When a member is evacuated by International SOS and a traveling companion's return air ticket is no longer usable, International SOS will arrange and pay for one-way economy air transportation for the companion to the original departure point.

Travel Arrangement After Medical Evacuation
Following a member's medical evacuation by International SOS and with International SOS' prior written approval, International SOS will arrange and pay for the reasonable and necessary cost for airfare for the Traveler to resume his/her trip and/or return to his/her Home Country or Country of Assignment, or for the Expatriate to return to his/her Country of Assignment.

Emergency Family Travel Arrangements
International SOS will coordinate emergency travel arrangements for family members who need to join a hospitalized member. The costs of travel services are the responsibility of the member or the family members.

Access to International SOS Clinics

In areas where medical care is not on par with Western medical standards, International SOS has developed top-quality clinics to meet the needs of both travelers and expatriates. The company has "hands-on" experience in establishing medical clinics throughout the world, providing Western-quality medical care.

These clinics offer 24x7x365 health care both by appointment and for emergency treatment. International SOS Members can utilize the services at International SOS Clinics but are subject to the terms and conditions in force at each respective clinic and require additional fees.

The clinics can offer:

• Primary care services
• Emergency room capabilities
• On-site pharmacies stocked only with pharmaceuticals manufactured by reputable international companies
• 24-hour access for laboratory analysis
• Pharmacy and diagnostic testing
• Western-trained medical providers

Online Services and Information

Travel Health Information
International SOS will provide members with travel health information via a password protected Internet website, International SOS Destination Reports, summary reviews of the health situations in over 170 countries around the world, will be made available to members through the International SOS GlobalTraveler Portal. The reports provide up-to-date information on health risks, medical care and vaccination requirements. The Portal also provides useful information for travelers with links to world weather conditions, a currency exchange calculator, a directory of Internet cafes around the world, electrical plugs used abroad and a translator tool handling 8 languages.

Emergency Record
Each member shall have the availability of the International SOS emergency record through the use of a password protected Internet website so he/she can store and retrieve emergency contact information, information regarding his/her personal physician, medical history, immunization record, allergies, medications and other similar information. It shall be the member's responsibility to update and keep the information current. Information will be available to International SOS personnel in the event the member contacts International SOS in an emergency and the information could be of assistance in aiding the member.

Email Health Alerts
Each member can sign up to receive the International SOS email health alerts concerning travel health information. The service provides members with the ability to receive up-to-date travel health information via their PC, laptop or wireless device. Health alerts are issued when there is a developing risk that, in the opinion of the International SOS medical staff, may negatively impact travelers visiting a country.

Travel Safety Assistance

Travel Safety Assistance Services are provided solely to travelers and expatriates who are traveling to or based outside of their home country. Travel Safety Assistance Services are not provided to nationals in their own country, except by prior written notification to and consent by International SOS. The cost of any Travel Safety Assistance Services shall be the responsibility of the member and may require prior payment to International SOS via an authorized credit card.

Travel Safety Information
International SOS will provide members with travel safety information via a password-protected Internet website. International SOS Travel Safety Reports, summary reviews of the security situations in over 170 countries around the world, will be made available to members through the International SOS Global Traveler Portal. The reports provide an overview of the historical and current political situation, a current crime report including the threat to foreigners and up-to-date warnings issued by International SOS regarding current event.
The Portal also provides travel safety tips about different regions of the world and Internet links to other sources of information such as news media and government agencies.

Personal Locator
Each member shall have access to the International SOS personal locator program and can enroll by entering their travel information through a password-protected Internet website. The member shall be responsible for updating the locator with relevant travel information for each trip. International SOS shall store and maintain the member's locator in a secured, computerized database. The member's locator shall be available 24 hours a day to International SOS operational personnel unless otherwise indicated by the member. By using this service, the member agrees that International SOS may provide the locator to other travel service providers and official authorities involved in the coordination of member's travel and emergency needs.

Email Safety Alerts
Each member can sign up to receive International SOS email safety alerts concerning travel safety information. The service provides members with the ability to receive up-to-date travel safety information via their PC, laptop or wireless device. Safety alerts are issued when there is a developing risk that in the opinion of the International SOS security staff may negatively impact travelers visiting a country.

Personal Safety Assistance
In the event of the member experiencing a threat to his/her personal safety, the member will have access to International SOS Alarm Centers for assistance in coordinating various services:

• Assessment of the threat to the member
• Liaison with embassies and consulates
• Liaison with local authorities
• Emergency cash advance
• Liaison with local legal service providers
• Transmission of emergency messages to family members and other parties
• Changes to travel reservations
• Access to International SOS security specialists

General Provisions

Service Program Limitations
The following limitations shall apply to the services in this program:

• Emergency Evacuation, Medically Supervised Repatriation and Repatriation of Mortal Remains
  Maximum of $1,000,000 per member per intervention
• Transportation to Join a Hospitalized member
  Maximum of $2,500 per member per intervention
• Accommodation While Visiting Hospitalized member
  Maximum of $2,500 per member per intervention
• Return of Minor Children
  Maximum of $2,500 per member per intervention
• Return of Traveling Companion
  Maximum of $2,500 per member per intervention
• Travel Arrangement After Medical Evacuation
  Maximum of $2,500 per member per intervention

This is a description of the assistance services in the International SOS Global Traveler Comprehensive Membership programs. The complete Terms and Conditions is available for your review at the Membership Application page.