Professional Mariners require a medical program that they can depend on to protect them throughout the world. Regardless of the type of vessel, Mariners require coverage that provides security, flexibility and benefits unique to the demands of today's Marine Industry. With coverage onboard the vessel and when signed off, you have a true universal policy, created for the Mariner Lifestyle. Sail and travel anywhere with the confidence that you are protected with comprehensive, marine-specific coverage providing the safety that you deserve.

The Reside Blue program is available to persons of any country who are at least 15 days of age and who have not yet reached age 75.

All applicants / insured persons must be currently or usually an Employee aboard a sea going vessel and expect to be outside the United States at least 6 months per year. All members must also not be eligible and/or able to secure adequate US domestic health insurance, which provides continuous coverage worldwide. All applicants / insured persons must complete the Declaration of Residence for or provide a non-U.S. resident address.

For U.S. Citizens: All applicants / insured persons must either be outside the United States at the time of application, or must depart the United States within 30 days of the certificate's effective Date. In addition, the applicant / insured person must not reside inside the United States greater than 9 months during any given 12-month period to meet the eligibility requirements of an applicant / insured person. Should any applicant / insured person reside in the United States longer than 9 months during any given 12-month period, their coverage shall immediately terminate.

*It is the insured person's responsibility to maintain all records regarding travel history, age and student status and provide any documents to the administrator, which would verify the Eligibility Requirements.

The Reside Blue program is annually renewable as long as the eligibility requirements are met and the renewal premium paid. There are no additional medical questions upon renewal. The company cannot single out an individual for cancellation, they can only cancel coverage for an entire class^* of insured persons.

For those who apply for coverage prior to their 65th birthday and remain continuously insured for ten consecutive years, you will automatically be converted to Reside Blue Senior Provider at age 75 as long as you continue your eligibility status.

* A "Class" is a group of people defined by a common characteristic, including but not limited to demographic group and geographic region.

To apply, all you need to do is complete the application in full and pay the appropriate premium, given your age category, coverage area and desired deductible amount. Be sure to answer all sections and questions as completely, accurately, and as legibly as possible. The application you complete becomes part of your Certificate of Coverage should you be accepted. After the underwriters have had an opportunity to review the application, Seven Corners may request additional information from the applicant. If you are accepted, you will receive an ID Card confirming your effective date and conditions of acceptance, as well as a claim form and a Certificate of Coverage. The Certificate of Coverage describes the program in complete detail and how the insurance can be utilized. If you are ultimately not accepted, Seven Corners will return your premium without delay.

Reside Blue is designed to cover insured persons 24 hours a day, seven days a week, regardless of where in the world they may be located^*. As an international citizen, you will no longer need to purchase multiple insurance programs in order to have seamless protection.

*Coverage in the United States is limited to no greater than 9 months during any 12-month policy period.

The initial Period of Coverage cannot exceed twelve (12) months. The Insured Person may apply for renewal of coverage at the Renewal Rates in force at the time. The renewal Period of Coverage may not total more than twelve (12) months. Renewal(s) will be contingent upon the Insured Person submitting the applicable renewal premiums for their class, as determined by the Company. Renewal(s) will also be contingent upon the Insured Person declaring that they continue to meet the Eligibility Requirements.

Reside blue provides maternity and newborn child benefits to eligible Insured Persons. See Schedule of Benefits for limits and conditions. A pregnancy must be Pre-Notified during the first 90 days of the pregnancy. Failure to Pre-Notify a pregnancy will result in a 25% reduction in eligible benefits. The plan does not pay expenses related to a pregnancy within the first 12 months of coverage.

When the Insured Person travels outside of their home country, in addition to the standard benefit, they will be covered for Emergency Medical Evacuation, Repatriation of Mortal Remains and Emergency Medical Reunion coverage (see Certificate of Coverage for details).

When a parent remains eligible for coverage and the pregnancy is considered an eligible pregnancy, newborn children are automatically covered for the first thirty-one (31) days after birth. In no event shall the Company's maximum liability exceed the maximum stated in the Schedule of Benefits.

In order to continue coverage beyond the first thirty-one (31) days and be accepted as any other new Insured Person subject to the Insurance Provisions, Scope of Coverage and Exclusions sections of this Certificate or other sections relating to a Newborn Child(ren) up to the maximum amount of this Certificate the following conditions must be met: (1) An Application and any applicable premium is submitted and Approved by the Company within thirty-one (31) days of the birth of a Newborn Child(ren); (2) The Pregnancy that led to the birth of a Newborn Child(ren) was an eligible pregnancy covered under this Certificate; (3) The mother of the Newborn Child(ren) remain covered under this Certificate; (4) The mother and Newborn Child(ren) meets and will continue to meet the Eligibility Requirements of this Certificate.

Pre-existing Conditions: Pre-existing conditions:

If an existing condition is fully and accurately disclosed on the application, and the condition is not excluded or restricted by a rider, your pre-existing condition will be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after you have been continuously insured for 24 months.

Pre-existing conditions are any Injury or illness which meet the following criteria: 1) A condition that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the effective date of coverage under this certificate; 2) A condition for which manifestation, medical advice, diagnosis, care or treatment (including medication) was recommended or received prior to the effective date of coverage under this certificate; 3) Expenses for pregnancy within twelve (12) months of the effective date of coverage under this certificate.

Charges for treatment of the following illnesses or surgeries, which manifest themselves or are recommended, or symptoms occur during the first 180 days of coverage hereunder beginning on the initial effective date: any condition of the breast, any condition of the prostate, disorders of the reproductive system, gall stones or kidney stones, any acne diagnosis or acne related condition, or any surgery that is not emergency in nature, as emergency is defined hereunder. Note: coverage for such illnesses or surgeries may be further limited under the pre-existing condition exclusion and definition contained herein, or other exclusions contained herein; and

The following conditions, treatments, supplies, services, and/or expenses are not covered: (This is a summary of the exclusions contained in the certificate of coverage.)

Pre-existing conditions as defined above.
• Claims not presented to company within ninety (90) days following incident.
• Treatment not medically necessary, treatment which exceeds reasonable and customary charges, treatment provided at no cost to the Insured Person, or treatment performed by a relative or anyone who lives with the insured person.
• Experimental treatment.
• Suicide or any attempted suicide.
• War or warlike operations.
• Injury in organized, professional, amateur, or interscholastic athletics(except as otherwise covered)
• Routine physicals or procedures.
• Treatment of temporomandibular joint.
• Vocational, speech, recreational or music therapy.
• Cosmetic surgery except as a result of a covered accident.
• Dental or eye treatment unless otherwise covered.
• Injuries as a result of disablement due to liquor or drugs.
• Telephone consultations.
• Treatment or services relating to custodial, rehabilitative, or nursing home care.
• Congenital conditions.
• Non-medical expenses.
• Self-inflicted injury or illness.
• Expenses in connection with the commission or attempt of a criminal offense.
• Injury while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing, scuba diving (unless PADI, NAUI, YMCA, SSI or PDIC certified (see certificate for details).
• Treatment of venereal or sexually transmitted disease.
• Treatment due to HIV or AIDS.
• Drug treatment relating to infertility.

This brochure is only a brief description of Reside Blue. A complete description of the master policy provisions and benefits is contained in the certificate of insurance, which will be mailed to you once your application and premium have been received and approved by SRI.

To ensure you receive the best care possible, Reside blue requires that the Insured Person (or someone on the Insured Person's behalf) contact Seven Corners Assist for notification prior to all hospital admissions worldwide and any medical expenses incurred within the United States that exceed $1,000 U.S. dollars. The methods of contacting Seven Corners Assist will appear on the back of your ID Card. Seven Corners Assist will also be able to assist you in locating the approved Seven Corners medical care providers in the United States.

Services and Treatment in the United States must be received at an approved PPO Service Provider facility, if one exists within a 50-mile radius of where the Insured Person is located. To obtain a list of approved PPO Service Providers contact Seven Corners Assist or visit the approved PPO Service Provider website.

If Services and Treatment eligible for coverage under this Certificate are received directly from an approved PPO Service Provider while the Insured Person is in the United States: (a) the Company will reduce by 50% any part of the Deductible applicable to such Eligible Benefits, and (b) the Company will waive any and all Coinsurance applicable to such Eligible Benefits.

Failure to follow the Pre-Notification Program and to use an approved PPO Service Provider will result in a 25% reduction of the Eligible Benefits stated in the Schedule of Benefits.

For U.S. Citizens:
$359 annually per person

For non-U.S. Citizens:
$508 annually per person

(if selected for one, then all applicants must purchase the option)

$240 annually per person

(if selected for one, then all applicants must purchase the option)

Benefit is $150 per night for a covered hospital admission, maximum 30 nights per policy period.

$145 annually per person

(if selected for one, then all applicants must purchase the option)

*The Dependent Child Premium is only available when one parent (legal guardian), of a natural or legally adopted unmarried child over 14 days old and under 19 years of age (or under 24 years of age if attending a university full-time and must rely on parents for support), is also covered under the same program. No medical premium is charged for the first two (2) Dependent Children between the ages of 14 days and 9 years old if both parents are also covered under the same program.

If the Applicant desires to pay premiums on a Semi-Annual, Quarterly or Monthly basis, they must do so by credit card payment only. Seven Corners will automatically debit the credit card on the due date of the premium installment. The Premium Installment Factors to be applied to the Annual Premium are as follows:

Annual 1.00 / Semi-Annual 0.55 / Quarterly 0.28 / Monthly 0.10

IMPORTANT NOTICE: The premiums referenced above are applicable for the initial 12-month coverage period, only after the Applicant has been accepted by Seven Corners. Seven Corners reserves the right to increase the stated premiums based upon the Applicant's medical condition at the time of application and underwriting. Applicants with chronic and/or severe medical conditions may be declined. At each renewal period, Seven Corners will inform the Applicant of the renewal premium for each subsequent coverage period based upon the Applicant's age and deductible category.

Attention Applicants: Certain Underwriters at Lloyd's of London, operates as an approved Surplus Lines market in the United States. The premiums listed above include a general Surplus Lines Tax. Your State of Residence may warrant an additional Surplus Lines Tax, Stamping Fees and administration fee. Upon receipt and review of your application, Seven Corners will inform you if additional Surplus Lines Taxes and fees will apply. If so, Seven Corners will request the payment of the additional Surplus Lines Taxes and fees from you prior to issuing coverage. The additional Surplus Lines Taxes and fees shall be listed on the declaration page of your policy.

The benefits described in the three classes below are reimbursed subject to the limitations and limits stated in the Schedule of Benefits.

Class I: Preventative
  • Oral exams, limit two per Policy Period
  • Full mouth x-rays, limit one every six months
  • Bitewing x-rays, limit one per Policy Period
  • Cleaning and scaling of teeth (oral prophylaxis) limit one every six months
  • Topical fluoride treatment limit one per Policy Period, children up to age 12
  • Space maintainers
  • Sealants, children up to age 12

Class II: Basic Restoration, Endodontic, Periodontal, Oral Surgery, Diagnostic Benefit Dental Services
  • Fillings – amalgam, silicate, acrylic, synthetic porcelain or composite fillings
  • X-rays
  • Extractions
  • Root canal treatment
  • Treatment of periodontal disease and other disease of the gums and tissues of the mouth
  • Oral surgery except procedures covered under any medical plan
  • Administration of general anesthesia, when medically necessary in connection with oral surgery
  • Emergency palliative treatment
  • Injections of antibiotic drugs

Class III: Crowns, Bridges, Dentures
Include necessary supplies and services of a physician for installation or replacement of one or more natural teeth, which are lost for:

• Initial Installation of fixed bridgework
• Installation for the first time of: (a) a partial removable denture; or (b) a full removable denture
• Replacing an existing removable denture or fixed bridgework if: (a) it is needed because of loss of one or more natural teeth after the existing denture or bridgework was installed; or (b) it is needed because of the existing denture or bridgework can no longer be used and was installed at least 5 years prior to its replacement
• Replacing an existing immediate temporary full denture by a new permanent full denture when: (a) the existing denture cannot be made permanent; and (b) the permanent denture is installed within 12 months after the existing denture was installed
• Adding teeth to an existing partial removable denture or to bridgework when needed to replace one or more natural teeth removed after the existing denture or bridgework was installed
• Inlays and onlays
• Crowns and their replacements, but not more than one replacement per crown every five years
• Repair or re-cementing of: (a) crowns; or (b) inlays or onlays; or (c) dentures; or (d) bridgework

Exclusions
  • Class II and Class III expenses during the first six months from the effective date
  • Cosmetic surgery or supplies
  • Services and expenses that are payable under the certificate, to which this option is attached
  • Replacement of lost, missing or stolen crowns, bridges or dentures
  • Repair or replacement of orthodontic appliances
  • Plaque control programs, oral hygiene or dietary instructions
  • Services and expenses that are not specifically defined as covered
  • Services or supplies which do not meet general accepted dental standards
  • Experimental treatment
  • Services and expenses excluded under the certificate’s exclusion section, unless otherwise covered herein
  • Missing teeth
  • Personalization of dentures
  • Implantology
  • Treatment for Temporomandibular joint disorders (TMJ) and complications therefrom
  • Bleaching

Pre-Notification and Alternate Treatment
If dental expenses are expected to exceed the amount of $250, prior to commencing treatment, the insured person must notify Seven Corners for amounts to be covered or an approved alternate (which are customarily used, deemed by professions to be appropriate and less costly):
  • Work to be done
  • Cost of treatment

It is important to note that Reside blue is a program for international citizens and Lloyd's of London is an international entity. Thus, Lloyd's of London operates as an unauthorized insurer in most U.S. states. Coverage and benefits under Reside blue are not regulated by any U.S. state insurance department.The information concerning Reside blue is not intended to be an offer to sell Reside blue or a solicitation by Seven Corners, Inc. or Lloyd's of London in any jurisdiction where any such action would be unlawful or in which Seven Corners or Lloyd's of London is not qualified to do so. Reside blue may not be available in all situations or jurisdictions. For U.S. citizens, Reside blue is intended for persons living or traveling outside the United States.

Reside blue is underwritten by Certain Underwriters at Lloyd's of London and is rated A “Excellent” by A.M. Best and an A+ (Strong) rating from Standard & Poor's. In addition to being one of the largest insurance entities in the world, Lloyd's of London has over 300 years of experience in the international insurance business.

When Unpronounceable Diseases Occur In Unpronounceable Countries: Seven Corners Assist is a leading provider of customized emergency assistance services to international organizations, corporations, government entities, insurance companies, and individual travelers. Regardless of the location, Seven Corners Assist provides valuable assistance in locating the best possible medical treatment.

Foreign Country – Familiar Service: In today's world, companies and international citizens must operate in strange lands and challenging environments. In some situations, individuals must travel to developing regions where the quality of care is in question. In effort to alleviate these concerns, proper worldwide medical assistance is essential.

Quality Of Care: With access to a network of emergency room physicians, Seven Corners Assist is able to effectively evaluate the quality of local care. The Seven Corners Assist physician will consult with the attending physician (if available) to review local standards and discuss the proposed course of treatment. If the quality of care is in question, Seven Corners Assist will arrange medical transportation to a location where adequate care can be rendered.

A Description Of Our Services: The following services are available 24 hours a day, 7 days a week from a multilingual staff of service professionals.

Assistance With Travel
pre-trip information: Provide information concerning inoculation and visa requirements for countries worldwide
weather information: Concerning local weather conditions
exchange rate information: Present day currency rates, etc.
embassy referral: Providing contact information for the nearest embassies around the world
interpreter referral: Contact information for interpreters around the world
lost passport: Provide directions for lost passport recovery to insureds while traveling outside of their home country
emergency message: In the event of a medical emergency, assistance in relaying urgent messages to family, friends, or business associates at the insured's request
hotel accommodation: In case of insured's hospitalization outside of their home country, assistance in locating hotel accommodation for insured's companion

Medical Assistance While Traveling
24-hour telephone contact: Should medical emergencies arise, there is help in locating medical care
conference calls: Arranging telephone conferences between your attending and home physicians
second opinions: Arranging second medical opinions in hospital cases
emergency messages: Relaying emergency messages to family and employer during medical emergencies
payment guarantee: Guarantee or payment of medical bills or authorizing medical benefits according to the program for eligible benefits only
ticketing services: 24-Hour ticketing service to arrange emergency family visits
medical evacuations: Arranging emergency medical evacuation from medically underserved areas
repatriation: Arranging medical transportation home after treatment
medical / travel escorts: Arranging escorts and transportation for unaccompanied children
medical records: Arranging transfer of medical records
remains return: Arranging repatriation of remains for deceased travelers

Properly serving the medical needs of international citizens requires specialization. Most companies are not prepared to meet the unique requirements of these customers. An organization must be equipped to address foreign currencies, international doctors and hospitals, as well as unusual claim forms and documents. The Reside blue Medical Plan is administered worldwide by Seven Corners, Inc. The professionals at Seven Corners have over 250 years of experience in claim processing and administration. Seven Corners currently serves the needs of thousands of policyholders throughout the world.

Since 1993, Seven Corners, Inc. has provided international insurance plans to private citizens, governments, missionaries, students, and corporations of various nations around the globe. As a premier underwriter, Seven Corners has had the opportunity to provide innovative solutions to unique and challenging situations.

Our claims professionals are experienced in the complexity of processing international medical expenses. As an insured of Seven Corners, you can feel confident that there is someone ready to assist you with a medical situation 24 hours a day, 365 days a year.

Other services include proficient administration, responsive underwriting, and access to secure and stable insurance carriers and medical care providers worldwide.

In California, operating under Seven Corners Insurance Services.

Seven Corners
303 Congressional Boulevard
Carmel, IN 46032

Certain Underwriters at Lloyd's of london
Rated A "Excellent" by A.M. Best
A+ "Strong" by Standard & Poor's

Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093
Phone: (866) INSU-BUY or (972) 985-4400
Fax: (972) 767-4470
Web site: insubuy.com