TravelGap^® China provides international health insurance for trips lasting up to 6 months, including a complete set of services to help you identify, access and pay for quality healthcare services in China.

TravelGap^® China fills health and safety gaps internationally:

Insurance — Even if you are already enrolled in a health plan, your coverage is limited when you travel abroad. In fact, your plan may not pay to have you safely evacuated if you are critically ill.
Information — Where do you turn to learn which hospitals and physicians meet your standards? Keep up with breaking news about health and safety threats? Translate key medical terms and brand-name drugs?
Access to quality care — How do you find a western-trained, English-speaking doctor with the appropriate skills? How do you arrange a convenient appointment?

Each TravelGap^® China policy includes broad, deep and reliable Global Health and Safety Services easily accessed through the web or HTH's toll-free customer service center.

Strength of a U.S. Underwriter
TravelGap^® China is underwritten by HM Life Insurance Company, which is rated A- (Excellent) by A.M. Best Company. HM Life Insurance Company is part of HM Insurance Group, whose member companies work to provide health risk solutions for clients.

Better Coverage
HTH plans have met the standards of state regulators and feature coverage more generous than plans sold as "surplus coverage" by foreign, nonadmitted insurers. For example, HTH plans do not restrict illnesses or injuries resulting from a terrorist act. In addition, HTH does not impose precertification penalties for hospitalization. Lastly, HTH provides coverage for preexisting conditions.

Highest Standards of Service
HTH Worldwide is a leader in international health insurance and assistance. Every aspect of HTH insurance programs is designed to meet the highest expectation for quality and service.

HTH is so confident in their products that it offers the best guarantee in the business! If you are not completely satisfied with your TravelGap^® China purchase, return your ID card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not departed on your trip before the date of the letter, you will receive a full refund.

TravelGap China provides access to HTH's vital global health and safety databases HTH Mobile Health^sm, available worldwide both online and via handheld communication devices. Customers can also access these databases via a convenient, electronic Medical Passport to China delivered online with purchase confirmation.


Features Include
• profiles of carefully selected doctors and notable medical facilities
• translation databases for medical conditions, brand name drugs and key medical phrases
• emergency numbers and emergency service reliability
• required vaccinations and how to fill a prescription
• up-to-the minute health and security alerts

Additional Travel Reimbursement Services
All participants covered by this insurance plan are enrolled in the Global Citizens Association whose members are entitled to a $50 allowance to cover costs associated with incidents including: lost passport, lost airplane ticket, lost piece of luggage and change of airline ticket if trip is interrupted for medical reasons, a terrorist event or an imminent threat^* to personal safety.
*Threat must be documented by U.S. State Department travel warning.
1 To be eligible for TravelGap^® China, you must be enrolled in a primary health plan. See plan summary section for details.
Please note: you can only purchase TravelGap^® China prior to departing on your trip.
The benefits outlined in the table show the payment percentages for Covered Expenses AFTER the Insured Person has satisfied their Deductible. Covered Expenses are based on Reasonable Charges which may be less than actual billed charges. Providers can bill the Insured Person for amounts exceeding Covered Expenses. HTH Contracted Providers are contracted to accept Reasonable Charges. This plan is available to U.S. residents, age 84 or younger, who live in approved states. This is a nonrenewable plan. Subsequent periods of insurance can be purchased, in which case new Deductible and Eligibility will apply.

Requirements for an Insured Person: An Insured Person must be (1) a resident of the U.S.; (2) under age 85; (3) traveling outside the U.S.; and (4) scheduled to spend at least 24 hours away from his/her Home and; (5) must be enrolled in a primary health plan.

Primary Plan is a Group health benefit plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims for an Insured Person. If Medicare is the Primary Plan, see the Certificate of Coverage to determine how this Plan will pay benefits.

Trip Coverage Period Start Date: For a scheduled trip to a Foreign Country, the Insured Person's coverage starts when he/she boards a conveyance at the start of the trip.

Trip Coverage Period End Date: Coverage ends: (1) for a scheduled trip to a Foreign Country, when the Insured Person alights from a conveyance at the completion of the trip; or (2) if the Insured Person is covered under the Medical Evacuation Benefit, upon the Insured Person's evacuation to his/her Home Area.

Maximum Trip Coverage Period: Coverage for any one trip may not exceed 180 days.

Excess Coverage: This Plan will reduce the amount payable by the amount to which the Insured Person is entitled, whether or not a claim is made for the benefits, under any Other Plan. The Coverage Area is any place that is outside the United States.

Benefits: An Insured Person is eligible for benefits only during the Trip Coverage Period. The benefits purchased will be paid by this Plan for Covered Expenses after the Insured Person has satisfied any Deductible and prior to satisfaction of his/her Out-of-Pocket Maximum. Covered Expenses are based on Reasonable Charges which may be less than actual billed charges. Providers can bill the Insured Person for amounts exceeding Covered Expenses. The combined total of all medical benefits paid to the Insured Person is limited to the maximum amount purchased.

Hospitals, Physicians and Other Providers: The amount that will be treated as a Covered Expense for services provided by a Provider will not exceed the lesser of actual billed charges or a Reasonable Charge. Exception: If Medicare is the primary payer, there are special rules that apply to the payment of benefits. See the Certificate of Coverage or insurance policy for these rules. The Insured Person will always be responsible for any expense incurred that is not covered under this Plan.

Limited Benefits: This Plan pays: (1) for Ambulance Service (Nonmedical Evacuation), 100% up to $1,000; (2) for claims resulting from (a) downhill (alpine) skiing and (b) scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) or diving under the supervision of a certified instructor is required), 100% up to $10,000; (3) for Outpatient prescription drugs outside the U.S., 100% of Reasonable Charges for Covered Expenses; (4) For Dental Care required due to an Injury, 100% of Covered Expenses up to $500 maximum per Trip Period and $250 maximum per tooth ; and (5) for Dental Care for Relief of Pain, 100% of Covered Expenses up to $500 maximum per Trip Period and $250 maximum per tooth.

Services and Supplies Provided by a Hospital: For any eligible condition other than for Mental, Emotional or Functional Nervous Conditions or Disorders, Alcoholism or Drug Abuse; this Plan will pay the indicated benefits on Covered Expenses for: (1) inpatient services and supplies provided by the Hospital except private room charges above the prevailing two-bed room rate of the facility and (2) outpatient services and supplies including those in connection with Outpatient surgery performed at an Ambulatory Surgical Center. Payment of Inpatient Covered Expenses is subject to services that are (1) regularly provided and billed by the Hospital and (2) provided only for the number of days required to treat the Insured Person's Illness or Injury. Note: No benefits will be provided for personal items, such as TV, radio, guest trays, etc.

Professional and Other Services: This Plan will pay Covered Expenses for: (1) services of a Physician; (2) services of an anesthesiologist or an anesthetist; (3) outpatient diagnostic radiology and laboratory services; (4) radiation therapy and hemodialysis treatment; (5) surgical implants; (6) artificial limbs or eyes; (7) the first pair of contact lenses or the first pair of eyeglasses when required as a result of a covered eye surgery; (8) self-administered injectable drugs; (9) syringes when dispensed with self-administered, injectable drugs (except insulin); (10) blood transfusions, including blood processing and the cost of unreplaced blood and blood products; (11) services for the detection and prevention of osteoporosis for qualified individuals; and (12) rental or purchase of medical equipment and/or supplies.

Complications of Pregnancy: Complications of Pregnancy are covered under this Plan as any other medical condition.

Treatment Received from Foreign Country Providers: Benefits for services and supplies received from Foreign Country Providers are covered. The Insured Person may seek the assistance of HTH in locating a provider.

Accidental Death and Dismemberment Benefit: This Plan will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below within 365 days after the date the Injury is sustained: Loss of life - 100% of the Principal Sum or Loss of one hand, one foot or the sight in one eye - 50% of the Principal Sum.

Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.

If more than one of the losses stated above is due to the same Accident, this Plan will pay 100% of the Principal Sum. In no event will this Plan pay more than the Principal Sum for loss to the Insured Person due to any one Accident.

There is no coverage for loss of life or dismemberment for or arising from an Accident in the Insured Person's Home Country.

Repatriation of Remains Benefit: If the Insured Person dies, the Insurer will pay the necessary expenses actually incurred, up to the Maximum Limit shown in the Schedule of Benefits, for the preparation of the body for burial, or the cremation, and for the transportation of the remains to his/her Home Country. This benefit covers the legal minimum requirements for the transportation of the remains. It does not include the transportation of anyone accompanying the body, urns, caskets, coffins, visitation, burial or funeral expenses. Any expense for repatriation of remains requires approval in advance by the Plan Administrator.

No benefit is payable if the death occurs after the Termination Date of the Policy. However, if the Insured Person is Hospital Confined on the Termination Date, eligibility for this benefit continues until the earlier of the date the Insured Person's Confinement ends or 31 days after the Termination Date. The Insurer will not pay any claims under this provision unless the expense has been approved by the Administrator before the body is prepared for transportation.

The benefit for all necessary repatriation services is listed in the Overview Matrix.

Medical Evacuation Benefit: If an Insured Person is involved in an accident or suffers a sudden, unforeseen illness requiring emergency medical services, while traveling outside of his/her home country and adequate medical facilities are not available, the Administrator will coordinate and pay for a medically-supervised evacuation, up to the Maximum Limit shown in the Schedule of Benefits, to the nearest appropriate medical facility. This medically-supervised evacuation will be to the nearest medical facility only if the facility is capable of providing adequate care. The evacuation will only be performed if adequate care is not available locally and the Injury or Sickness requires immediate emergency medical treatment, without which there would be a significant risk of death or serious impairment. The determination of whether a medical condition constitutes an emergency and whether area facilities are capable of providing adequate medical care shall be made by physicians designated by the Administrator after consultation with the attending physician on the Insured Person's medical conditions. The decision of these designated physicians shall be conclusive in determining the need for medical evacuation services. Transportation shall not be considered medically necessary if the physician designated by the Administrator determines that the Insured Person can continue his/her trip or can use the original transportation arrangements that he/she purchased.

Bedside Visit Benefit: If an Insured Person is Hospital Confined due to an Injury or Sickness for more than 7 days, is likely to be hospitalized for more than 7 days or is in critical condition, while traveling outside of his/her home country the Insurer will pay up to the maximum benefit as listed in Table 1 of the Schedule of

Benefits for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one person designated by the Insured Person. Payment for meals, ground transportation and other incidentals are the responsibility of the family member or friend.

With respect to any one trip, this benefit is payable only once for that trip, regardless of the number of Insured Persons on that trip. The determination of whether the Covered Member will be hospitalized for more than 7 days or is in critical condition shall be made by the Administrator after consultation with the attending physician. No more than one (1) visit may be made during any 12 month period. No benefits are payable unless the trip is approved in advance by the Plan Administrator.

The benefit for all Bedside Visits is listed in the Overview Matrix.

Extension of Benefits: No benefits are payable for medical services received after the Insured Person's insurance terminates. However, if he/she is in a Hospital on the date the insurance terminates, this Plan will continue to pay the medical treatment benefits until the earlier of the date the confinement ends or 31 days after the date the insurance terminates.

The Plan does not provide benefits for^*:
1. Any amounts in excess of maximum amounts paid by this Plan.
2. Services not specifically listed in this Plan as Covered Services.
3. Services or supplies that are not Medically Necessary.
4. Services or supplies that are Experimental or Investigative.
5. Services received before the Effective Date of coverage or during an inpatient stay that began before that Effective Date of Coverage.
6. Services received after coverage ends.
7. Services for which the Insured Person has no legal obligation to pay or for which no charge would be made if he/she did not have insurance.
8. Services for any condition for which benefits are recovered or can be recovered, either by adjudication, settlement or otherwise, under any workers' compensation, employer's liability law or occupational disease law, even if the Insured Person does not claim those benefits.
9. Treatment or medical services required while traveling against the advice of a Physician, while on a waiting list for a specific treatment or when traveling for the purpose of obtaining medical treatment.
10. Services related to pregnancy or maternity care other than for complications of pregnancy that may arise during a Trip Coverage Period.
11. Conditions caused by or contributed by (a) an act of war; (b) the inadvertent release of nuclear energy when government funds are available for treatment of Illness or Injury arising from such release of nuclear energy; (c) an Insured Person participating in the military service of any country; (d) an Insured Person participating in an insurrection, rebellion or riot; (e) services received for any condition caused by an Insured Person's commission of, or attempt to commit, a felony or to which a contributing cause was the Insured Person being engaged in an illegal occupation; (f) an Insured Person, age 19 or older, being under the influence of alcohol or intoxicants or of illegal narcotics or nonprescribed controlled substances unless administered on the advice of a Physician.
12.Any services provided by a local, state or federal government agency except when payment under this Plan is expressly required by federal or state law.
13. Professional services received or supplies purchased from the Insured Person; a person who lives in the Insured Person's home or who is related to the Insured Person by blood, marriage or adoption; or the Insured Person's employer.
14. Inpatient or Outpatient services of a private-duty nurse.
15. Inpatient room and board charges in connection with a Hospital stay primarily for environmental change, physical therapy or treatment of chronic pain; Custodial Care or rest cures; or services provided by a rest home, a home for the aged, a nursing home or any similar facility service.
16. Inpatient room and board charges in connection with a Hospital stay primarily for diagnostic tests that could have been performed safely on an Outpatient basis.
17. Treatment of Mental, Emotional of Functional Nervous Conditions or Disorders.
18. Treatment of Drug, alcohol or other substance addiction or abuse.
19. Dental services, dentures, bridges, crowns, caps or other dental prostheses; or extraction of teeth or treatment to the teeth or gums, except as specifically stated under Dental Care for Accidental Injury in the Benefits section of this Plan.
20. Dental and orthodontic services for Temporomandibular Joint Dysfunction (TMJ).
21. Orthodontic services, braces and other orthodontic appliances.
22. Dental Implants: dental materials implanted into or on bone or soft tissue or any associated procedure as part of the implantation or removal of dental implants.
23. Routine hearing tests and hearing aids.
24. Optometric services, eye exercises including orthoptics, eyeglasses, contact lenses, routine eye exams, and routine eye refractions, except as specifically stated in this Plan.
25.An eye surgery solely for the purpose of correcting refractive defects of the eye, such as nearsightedness (myopia), astigmatism and/or farsightedness (presbyopia).
26. Outpatient speech therapy.
27. Any drugs, medications or other substances except as specifically stated in this Plan. This includes, but is not limited to, items dispensed by a Physician.
28. Any intentionally self-inflicted Injury or Illness. This exclusion does not apply to the Medical Evacuation, Repatriation of Remains and Bedside Visit Benefits.
29. Cosmetic surgery or other services for beautification, including any medical complications that are generally predictable and associated with such services by the medical community. This exclusion does not apply to Reconstructive Surgery to restore a bodily function or to correct a deformity caused by Injury or congenital defect of a newborn child, or to Medically Necessary reconstructive surgery performed to restore symmetry incident to a mastectomy.
30. Procedures or treatments to change characteristics of the body to those of the opposite sex. This includes any medical, surgical or psychiatric treatment or study related to sex change.
31. Treatment of sexual dysfunction or inadequacy.
32. All services related to the evaluation or treatment of fertility and/or Infertility, including, but not limited to, all tests, consultations, examinations, medications, invasive, medical, laboratory or surgical procedures including sterilization reversals and In vitro fertilization.
33. All contraceptive services and supplies, including but not limited to, all consultations, examinations, evaluations, medications, medical, laboratory, devices, or surgical procedures.
34. Cryopreservation of sperm or eggs.
35. Orthopedic shoes (except when joined to braces) or shoe inserts, including orthotics.
36. Services primarily for weight reduction or treatment of obesity including morbid obesity, or any care that involves weight reduction as a main method of treatment.
37. Routine physical exams or tests that do not directly treat an actual Illness, Injury or condition, including those required by employment or government authority.
38. Charges by a provider for telephone consultations.
39. Items that are furnished primarily for the Eligible Participant's personal comfort or convenience (air purifiers, air conditioners, humidifiers, exercise equipment, treadmills, spas, elevators and supplies for hygiene or beautification, etc.).
40. Educational services except as specifically provided or arranged by the Administrator.
41. Nutritional counseling or food supplements.
42. Durable medical equipment not specifically listed as Covered Services in the Covered Services section of this Plan. Excluded durable medical equipment includes, but is not limited to: orthopedic shoes or shoe inserts; air purifiers, air conditioners, humidifiers; exercise equipment, treadmills; spas; elevators; supplies for comfort, hygiene or beautification; disposable sheaths and supplies; correction appliances or support appliances and supplies such as stockings.
43. All infusion therapy together with any associated supplies, Drugs or professional services are excluded.
44. Growth hormone treatment.
45. Routine foot care including the cutting or removal of corns or calluses; the trimming of nails, routine hygienic care and any service rendered in the absence of localized Illness, Injury or symptoms involving the feet.
46. Charges for which the Administrator is unable to determine this Plan's liability because the Insured Person failed, within 60 days, or as soon as reasonably possible: (a) to authorize the Administrator to receive all the medical records and information the Administrator requested or (b) to provide the Administrator with information that it requested regarding the circumstances of the claim or other insurance coverage.
47. Charges for the services of a standby Physician.
48. Charges for animal-to-human organ transplants.
49. Under the medical treatment benefits, for loss due to or arising from a motor vehicle Accident if the Insured Person operated the vehicle without a proper license in the jurisdiction where the Accident occurred.
50. Medical treatment, services, supplies or Confinement in a Hospital owned or operated by a national government or its agencies. (This exclusion does not apply to charges the law requires the Insured Person to pay.)
51. Claims arising from loss due to riding in any aircraft except one licensed for the transportation of passengers.
52. Claims arising from participation in interscholastic or professional and/or nonprofessional club sports or sports events or participation in mountaineering, motor racing, speed contests, skydiving, hang gliding, parachuting, spelunking, heliskiing, extreme skiing or bungee cord jumping.
53. Treatment for or arising from sexually transmittable diseases. (This exclusion does not apply to HIV, AIDS, ARC or any derivative or variation.)
54. Under the Accidental Death and Dismemberment provision, for loss of life or dismemberment for or arising from an Accident in the U.S.
55. Under the Repatriation of Remains and Medical Evacuation Benefits for repatriation of remains or medical evacuation of the Covered Accident in the U.S.
56. Treatment of Congenital Conditions.

*subject to state law

Please note: You can only purchase this policy prior to departing on your trip. Exceptions to this rule: if you have purchased a policy prior to departure and would like to extend the current plan or would like to enroll in a subsequent policy. The latter is permitted if you have been overseas for longer than 6 months. If you enroll in a subsequent policy, a new deductible and medical limit will apply.
Preexisting Conditions: There is no exclusion under this plan related to pre-existing medical conditions. See Exclusion #9 for exceptions.

Notice of Claim: Within 20 days after an Insured Person receives Covered Services, or as soon as reasonably possible, he/she or someone on his/her behalf must notify the Administrator in writing of the claim.

Proof of Loss: Within 90 days after the Insured Person receives Covered Services, he/she must send the Administrator written proof of loss. If it is not reasonably possible to give written proof in the time required, the Administrator will not reduce or deny the claim for being late if the proof is filed as soon as reasonably possible. Unless the Insured Person is not legally capable, the required proof must always be given to the Administrator no later than one year from the date otherwise required.

Time Payment of Claims: Benefits for a loss covered under this Plan will be paid as soon as the Administrator receives proper written proof of such loss. Any benefits payable to the Insured Participant and unpaid at the Insured Participant's death will be paid to the Insured Person's estate.

Assignment of Claim Payments: The Administrator will recognize any assignment made under this Plan if it is duly executed on a form acceptable to the Administrator and a copy is on file with the Administrator. The Administrator assumes no responsibility for the validity or effect of an assignment.

This is a summary of the benefits provided by the insurance policy.

Any person who knowingly and with intent to defraud or deceive any insurance company submits an insurance application or statement of claim containing any false, incomplete or misleading information may by subject to civil or criminal penalties, depending upon state law. If you are a resident of California, Florida, Kentucky, New Jersey, New York, Ohio, Oklahoma or Pennsylvania see the FRAUD NOTICE for additional information. In addition to the fraud warning information on the attached, the fraud warning can be viewed online.

Easiest way is to apply online on this web site. Just click on 'Instant Quotes & Purchase' link at the top of this web page.

Alternatively, you can fax us the enrollment form to (972) 767-4470

Or, complete and mail the enrollment form with your preferred form of payment to us.
Mail to:
Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093

Or, you can call us at (866) INSU-BUY.

TravelGap^® rates are based on the traveler's age and number of travel days (7-day minimum). See the "Cost Calculation" guide below to help calculate your cost.

Rates are based on your age and the length of your trip. The plan pricing table above provdies daily rates based on these variables.

Two easysteps to calculate your plan cost:

Step 1 - Find the daily rates based on the age of the enrollee

Step 2 - Multiply the daily rate by the number of travel days required (7-day minimum)

Rates include a $3 membership fee. This is already factored into the daily rate.

Cost Calculation Example:
A 50-year-old traveler would pay a daily rate of $4.62. For a 10-day trip, the plan cost would be $4.62 x 10 = $46.20

Please Note
If you purchase the TravelGap^® China plan, you must be concurrently covered by a primary health plan (please see Plan Summary section for a definition of a Primary Plan), and you are not subject to a Preexisting Conditions exclusion (please see Preexisting Conditions in the Exclusions section).

To be eligible for TravelGap^® China, you must be:

• Age 84 or younger.
• Traveling outside the U.S. and scheduled to spend at least 24 hours away from his/her Home
• Must be enrolled in a *Primary Health Plan
• A resident of the United States, living in one of the following states:
  
  Insurance Benefits underwritten by HM Life Insurance Company
  Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming
  
  Insurance Benefits Underwritten by Unicare Life and Health Insurance Company
  Indiana, Montana, Nevada, North Carolina, Utah, Vermont

Coverage may not be available in all states

Family Members included in your Excursion Plan (if applicable) must be:

• Your spouse, age 84 or younger, and/or your eligible child(ren) or other eligible dependent(s) - see Eligible Dependents.
• Resident(s) of the United States.
• Traveling outside the U.S. and scheduled to spend at least 24 hours away from his/her Home.

* Primary Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan.

An Eligible Dependent means a person who is the Eligible Participant's:

1. spouse;
2. unmarried natural child, stepchild or legally adopted child who has not yet reached Age 19;
3. own or spouse's own unmarried child, of any Age, enrolled prior to Age 19, who is incapable of self support due to continuing mental retardation or physical disability and who is chiefly dependent on the Eligible Participant. The Insurer requires written proof from a Physician of such disability and dependency within 31 days of the child's 19th birthday and annually thereafter;
4. unmarried child, from his/her 19th to 22nd birthday who is a Full-time student attending an accredited college, university, vocational or technical school, and who is fully dependent upon the Eligible Participant for support. The Insurer may require proof of student status, but not more than once a Period of Insurance;
5. For a person who becomes an Eligible Dependent (as described below) after the date the Eligible Participant's coverage begins, coverage for the Eligible Dependent will become effective in accordance with the following provisions:
   1. Newborn Children: Coverage will be automatic for the first 31 days following the birth of an Insured Participant's Newborn child. To continue coverage beyond 31 days, the Newborn child must be enrolled within 31 days of birth.
   2. Adopted Children: An Insured Participant's adopted child is automatically covered for Illness or Injury for 31 days from either the date of placement of the child in the home or the date of the final decree of adoption, whichever is earlier. To continue coverage beyond 31 days, as Insured Participant must enroll the adopted child within 31 days either from the date of placement or the final decree of adoption.
   3. Court Ordered Coverage for a Dependent: If a court has ordered an Insured Participant to provide coverage for an Eligible Dependent who is a spouse or minor child, coverage will be automatic for the first 31 days following the date on which the court order is issued. To continue coverage beyond 31 days, and Insured Participant must enroll the Eligible Dependent within that 31-day period.
6. grandchild, niece or nephew who otherwise qualifies as a dependent child, if: (i) the child is under the primary care of the Insured Participant; and (ii) the legal guardian of the child, if other than the Insured Participant, is not covered by an accident or sickness policy.
   
   The term "primary care" means that the Insured Participant provides food, clothing and shelter on a regular and continuous basis during the time that the District of Columbia public schools are in regular session.

A person may not be an Insured Dependent for more than one Insured Participant.

The most extensive international health and safety resource available!

Travelers today need more than insurance protection - they need knowledge and information to keep them healthy and safe. With the purchase of any of HTH's Travel Insurance products, you receive access to HTH's Global Health and Safety services. Each year thousands of international travelers, students and business people rely on HTH for this critical information.

Here are the services!

• Access to the HTH Physician Community, available in more than 150 countries. Use the HTH web site to find a pre-qualified, English-speaking doctor in your destination -- even include his or her office address and phone number with your important travel documents.
• Access to CityHealth Profiles, which contain critical healthcare information, including vaccination requirements and emergency listings, for more than 590 destinations worldwide.
• Access to Security Profiles, which include up-to-date information about terrorism, kidnapping and political stability.
• Access to the HTH Drug Translation Guide. Medications are given different brand names around the world - the guide will help you find the prescription or over-the-counter medication you need.
• Access to the HTH Medical Phrase and Terms Translation Guides. If you require medical care while traveling, HTH's medical phrases/terms translation tools will help you communicate clearly with the doctor, nurse or pharmacist.

TravelGap China plan customers receive the following additional benefits:

• Informed Choice^SM. When Global Citizen members experience an unanticipated medical problem, they can request a second opinion through the Informed Choice service. An HTH International Physician Advisor is available to discuss the member's diagnosis and treatment plan directly with the attending physician.
• Personalized Recruitment. If a Global Citizen member needs a physician in an area not currently covered by the HTH International Provider Community, HTH Worldwide will make every effort to recruit an appropriate, qualified doctor.
• Well Prepared^SM. An important companion to international living, the Well Prepared profile is a personal web page used by Global Citizen members who search the HTH Health and Safety databases, store pertinent information and launch requests for doctor appointments, provider recruitment, cash less access and second opinions.
• Appointment Scheduling and Direct Pay. Using the web or the telephone, Global Citizen members can request appointments within the HTH International Provider Community. When utilizing HTH Direct Pay, the copay and the plan deductible are waived while HTH Worldwide pays the participating physicians directly.

Remember, all of HTH's travel insurance products include access to HTH's Global Health and Safety Services.

In the event of a medical emergency:

As an HTH customer, you are eligible for global emergency assistance, 24 hours a day, 365 days a year. This service is provided by Worldwide Assistance Services, a Europe Assistance Company.

For immediate assistance:

• Inside the US, call 877.865.5979
• Outside the US, call +1.610.254.8772 (collect)

Note: These telephone numbers appear on the back of your HTH Travel Insurance ID Card

If you require medical evacuation, you must contact HTH Worldwide/Worldwide Assistance Services in advance or your evacuation may not be eligible for reimbursement. Available services include:

• Medical evacuation planning and coordination
• Medical monitoring and referral
• Legal assistance
• Emergency cash advancement
• Lost document replacement-travelers checks, passports, etc.

The Administrator is
HTH Worldwide
One Radnor Corporate Center
Suite 100
Radnor, PA 19087


Underwritten by:
HM Life Insurance Company, Pittsburgh, PA, NAIC # 0812-93440 or HM Life Insurance Company of New York, New York, NY, NAIC # 0812-60213 under policy form series HM207-SI, HM207-TH or HM207-EH GC.

For definitions of key terms and more details, see your Certificate of Coverage. No benefits are payable unless the Insured Person's coverage is in force at the time services are rendered and the payment of benefits is subject to all the terms, conditions, limitations and exclusions of the insurance policy that funds this Plan.

HM-TG-ST07