WORLDWIDE COVERAGE FOR PROFESSIONAL MARINE CAPTAINS & CREW MEMBERS

As a professional marine crew member, you know that finding adequate medical coverage can be a challenge. The unique demands of your nomadic lifestyle often can prevent you from getting the comprehensive plan you need and deserve.

International Medical Group^®, Inc. (IMG^®) offers Global Crew Medical Insurance, a comprehensive and portable international medical insurance plan designed specifically for professional marine crew. Global Crew Medical Insurance can help eliminate the obstacles of time, currency, and language when you are seeking medical treatment and need assistance and administration of your international health care benefits.

Global Crew Medical Insurance provides US$5,000,000 of lifetime coverage with a full range of benefits and offers two options: worldwide coverage or worldwide coverage excluding the U.S. and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment. When you select Global Crew Medical Insurance, you receive IMG's commitment to deliver world class health benefits, medical assistance and total peace of mind.

Global Crew Medical Insurance allows you to choose any doctor or hospital for treatment.

International Medical Group^®, Inc. (IMG^®) is a worldwide leader in designing, distributing and administering global healthcare benefits. Since 1990, IMG has a solid reputation by providing medical security to hundreds of thousands of individuals and families in more than 150 countries.

IMG presents a unique, full-service approach to the international community. IMG's clients include international vacationers, business executives and consultants, missionary groups, expatriates, professional entertainers and athletes, government entities, schools and universities, professional marine captains and crew, and local and third country nationals. IMG's complete portfolio of products allows their clients access to worldwide quality healthcare and IMG's superior customer service.

COVERAGE WITHOUT BOUNDARIES^®

Because IMG focuses exclusively on the international market, IMG has the ability to offer unique services that many domestic plans cannot provide. The staff includes claims administrators who process thousands of claims each year from throughout the world, handling virtually every language and currency; multilingual customer service representatives who ease the burden of communicating in a second language; and on-site medical advisors who are available 24 hours a day, seven days a week for emergencies, medical evacuations and precertification.

To ensure that representatives are available when and where needed, IMG also maintains a European service and assistance center, IMG Europe Ltd. From its offices in the United Kingdom, IMG Europe provides marketing services, administration support and emergency medical assistance to those who are living or traveling worldwide. Clients who work with IMG Europe receive the world class services of IMG, plus the added benefits of similar time zones, swift postal delivery and services that are in tune with local practices and administration.

Both IMG offices (and each department within them) work together to assist clients with problem-free, worry-free medical insurance coverage. Worldwide coverage, multilingual capabilities, international claims specialists and access to IMG from anywhere at anytime - all designed to give you true Coverage Without Boundaries and the confidence you deserve when choosing an international insurance administrator.

Complete contact information for both IMG offices will be provided in the fulfillment kit that insured members receive following acceptance of their applications.

Global Crew Medical Insurance^SM (GCMI) covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each insured person will only need to satisfy their deductible once per period of coverage (12 months). For eligible expenses incurred in the U.S. and Canada (if applicable): once the deductible is met, GCMI pays 80% of the next US$5000 in eligible expenses, then 100% of eligible expenses up to the policy maximum. For eligible expenses incurred outside of the U.S. and Canada: once the deductible is met, GCMI will pay 100% of eligible expenses up to the policy maximum.

MEDICAL BENEFITS	LIMITS Subject to deductible and coinsurance
Coverage Area	Two options: Worldwide or worldwide excluding the U.S. and Canada
Policy Maximum Per Individual	US$5,000,000 lifetime
Hospitalization Semi-private room and board • Nursing services • Prescription medication • Physician charges • Diagnostic and laboratory testing • X-rays • Chemotherapy and radiation • Durable medical equipment • Treatment, services and supplies routinely provided	URC
Intensive Care Unit	URC
Surgery Surgical care • Second surgical opinion • Anesthetics • Physician charges for surgery • Treatment, services and supplies routinely provided	URC
Transplants Limited to certain transplants and covered only within designated transplant facilities that are members of IMG’s independently-contracted PPO network	US$1,000,000 lifetime
Outpatient Emergency treatment of illness or injury • Surgery • Rehabilitative treatment • Treatment, services or supplies routinely provided • Prescription medication	URC
Emergency Surgery or dental treatment following an accident •  Emergency room following an accident •  Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) US$250 deductible if treatment does not require admittance to the hospital.	URC
Emergency Transportation by Ground Ambulance	URC
Emergency Medical Evacuation Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime	Up to policy maximum
Repatriation of Mortal Remains	US$25,000
Supplemental Accident The first $300 will be covered for each accidental injury	US$300 per occurrence (not subject to the deductible or coinsurance)
Pre-existing Conditions Only available after 24 months of continuous coverage	US$50,000 lifetime (maximum of US$5,000 per period of coverage)
Mental/Nervous Care Only available after 12 months of continuous coverage • Inpatient and outpatient care by a licensed psychiatrist	US$10,000 per period of coverage, US$50,000 lifetime
Wellness Females age 30 and over, only after 12 months of continuous coverage• Routine physicals, including dermatology screenings • Mammogram, gynecologist visit, etc. (exams must be separated by at least 12 months) Males age 30 and over, only after 12 months of continuous coverage • Routine physicals including dermatology screenings (exams must be separated by at least 12 months)	US$250 per period of coverage (not subject to deductible or coinsurance)
Dental Emergency Necessary treatment of sudden, unexpected pain to sound natural teeth	US$100 per period of coverage
Complementary Medicine When referred by a physician	(Each per period of coverage)
Acupuncture	US$150
Aroma Therapy	US$50
Herbal Therapy	US$50
Magnetic Therapy	US$75
Massage Therapy	US$150
Vitamin Therapy	US$100
Recreational SCUBA Coverage Illness or injury while using safe diving practices as laid down by an Authoritative Diving Body	URC
Other Radiation treatment • Home nursing care • Hospice care • Physical therapy (maximum US$50 per visit) • Prosthetic devices	URC
Chiropractic Care • When referred by a physician • With no physician referral	URC US $25 per visit (maximum of 20 visits per period of coverage, not subject to deductible or coinsurance)
Amateur Sailboat Racing Coverage Please contact us for benefit details	US$50,000 lifetime; up to US$10,000 per period of coverage (subject to period of coverage benefit deductible of US$2,500)

Optional Maternity Rider

US $50,000 lifetime maximum

Benefits include: •  Pre- and post-natal care •  Maximum of US$5,000 for normal delivery for each pregnancy •  Maximum of US$7,500 for C-section delivery for each pregnancy •  Well baby care and treatment of newborn for first 31 days •  Child wellness benefits of up to US$200 maximum per period of coverage (not subject to deductible or coinsurance) for eligible newborn children for the first 12 months Must be selected at time of initial purchase of plan •  Benefits available after 10 months of continuous coverage •  Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth •  Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage •  See the application form for the cost of this optional rider

The foregoing list is only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the certificate wording for a complete description, which is available upon request.

UNDERWRITTEN BY: Sirius International Insurance Corporation

Global Crew Medical Insurance^SM New Business Rates

Annual Premiums

New Business Rates through 31-DEC-2008 (Includes 2.5% surplus lines tax where applicable)

WORLDWIDE COVERAGE - ANNUAL PREMIUMS
Deductibles	US$250		US$500		US$1,000		US$2,500		US$5,000		US$10,000
Age	M	F	M	F	M	F	M	F	M	F	M	F
19-24	1,171	1,543	1,008	1,468	784	1,048	691	928	567	786	447	593
25-29	1,212	1,722	1,058	1,626	820	1,167	721	1,026	593	894	464	614
30-34	1,339	1,927	1,176	1,807	915	1,343	811	1,188	664	1,002	523	749
35-39	1,388	2,135	1,234	1,941	954	1,492	845	1,308	691	1,117	543	770
40-44	1,791	2,340	1,583	2,091	1,226	1,622	1,089	1,441	887	1,145	702	899
45-49	2,015	2,434	1,800	2,196	1,395	1,708	1,237	1,511	1,010	1,166	796	916
50-54	2,449	2,642	2,204	2,403	1,715	1,875	1,562	1,701	1,280	1,392	1,004	1,094
55-59	3,101	3,014	2,843	2,762	2,219	2,157	1,957	1,902	1,648	1,601	1,286	1,249
60-64	4,359	4,109	4,031	3,781	3,375	3,125	3,080	2,850	2,556	2,262	2,098	1,868
65-69	9,001	7,849	8,672	7,521	8,018	6,863	6,235	5,633	5,409	4,869	4,457	4,014
70 - 74	Please click on the 'Instant Quotes & Purchase' link at the top of the web page for premium information concerning this age bracket
Rates expire on 31-DEC-2008
Optional Maternity Rider $2,500 annual premium

New Business Rates through 31-OCT-2008 (Includes 2.5% surplus lines tax where applicable)

WORLDWIDE COVERAGE EXCLUDING U.S/CANADA - ANNUAL PREMIUMS
Deductibles	US$250		US$500		US$1,000		US$2,500		US$5,000		US$10,000
Age	M	F	M	F	M	F	M	F	M	F	M	F
19-24	878	1,157	756	1,101	588	786	519	696	425	590	336	445
25-29	909	1,291	794	1,220	615	875	541	770	445	671	349	461
30-34	1,004	1,446	882	1,355	686	1,008	608	892	498	752	393	562
35-39	1,042	1,601	925	1,456	716	1,119	634	981	519	838	407	578
40-44	1,343	1,755	1,187	1,569	920	1,216	816	1,081	666	859	526	675
45-49	1,512	1,826	1,349	1,647	1,046	1,281	928	1,134	759	875	597	687
50-54	1,837	1,982	1,654	1,803	1,286	1,406	1,172	1,276	960	1,044	753	821
55-59	2,326	2,261	2,132	2,072	1,664	1,618	1,467	1,427	1,236	1,201	965	937
60-64	3,269	3,083	3,024	2,836	2,531	2,344	2,311	2,137	1,917	1,696	1,574	1,402
65-69	6,751	5,887	6,504	5,641	6,014	5,147	4,676	4,225	4,057	3,652	3,343	3,011
70 - 74	Please click on the 'Instant Quotes & Purchase' link at the top of the web page for premium information concerning this age bracket
Rates expire on 31-DEC-2008
Optional Maternity Rider $2,500 annual premium

GLOBAL DAILY INDEMNITY^SM

Insuring your life and health reduces the burden of unforeseen financial liabilities due to an illness or accident. Unfortunately, obligations and bills continue even during a hospital stay. The Global Daily Indemnity plan is an excellent way to offset these expenses. Global Daily Indemnity will pay directly to you US$100 for each required overnight stay in a hospital. The hospital stay must be covered under your Global Crew Medical Insurance plan. Hospital stays related to pregnancy are not eligible.

How To Apply
Global Term Life Insurance and Global Daily Indemnity are available with no additional medical underwriting. Simply complete and return the health and life portions of the application with the appropriate premiums as outlined in the application.

You may seek treatment under Global Crew Medical Insurance with the hospital or doctor of your choice. If you choose the worldwide option and you need to seek treatment in the U.S., you may use the independent Preferred Provider Organization (PPO), a separately-organized network of approximately 500,000 physicians and 4,700 privately owned and operated hospitals contracted by IMG.* This PPO network includes approximately 67% of all the hospitals in the U.S., including some of the most well-recognized university medical centers and transplant facilities.

Using this provider network could significantly reduce your out-of-pocket expenses. Your deductible will be reduced by 50%, and any coinsurance applicable to that charge is waived, when eligible treatment is received from a network provider. When a U.S. hospital outside the network is used, a co-payment of US$250 is required in addition to the regular deductible and coinsurance. This co-payment is waived, however, if there is not a network provider within 50 miles of the location of treatment.

You may access the PPO directory by requesting that a copy be sent to you or you may visit Network providers, that are listed by location and specialty.

* All PPO providers are contracted separately through First Health Group Corp.

During a medical emergency, access to qualified treatment is an immediate concern. For these situations, Global Crew Medical Insurance includes Emergency Medical Evacuation coverage up to the policy maximum. This coverage is available when there is not a qualified facility in the immediate area to treat your life threatening illness or injury. In addition, an Emergency Reunion lifetime benefit of US$10,000 is available to cover the travel/lodging expenses of a relative or friend during an Emergency Medical Evacuation. Global Crew Medical Insurance also covers expenses for repatriation of bodily remains or ashes to the insured’s country of citizenship up to a maximum of US$25,000 for death resulting from a covered injury or illness.

HOW THE EVACUATION PROCESS WORKS

Emergency Medical Evacuation benefits under the plan provide access to care when you need it most. During the emergency, IMG will coordinate evacuation to a qualified facility equipped to handle your illness or injury. A team of independent pilots and medical professionals transport you and a family member, while arrangements for your arrival are being made with the receiving hospital. Once at the receiving hospital, IMG will continue to monitor your treatment and communicate with physicians and family members.

To be eligible, the evacuation must be recommended by the attending physician in life-threatening situations, and approved in advance and coordinated by IMG. IMG is available 24 hours a day, 7 days a week to arrange emergency medical evacuations.

IMG has around-the-clock medical staff available to approve, certify and coordinate medical evacuations.

Global Crew Medical Insurance is available to individual professional marine crew members of all nationalities. To be eligible for coverage you must meet the following criteria:

• You must currently or usually work aboard or be employed by a vessel as a full-time, sea-going crew member for hire, who expects to spend a significant period of time during the Period of Insurance sailing outside of US territorial waters in such capacity.
  
  
• If you are a United States citizen, you must not qualify for or be able to obtain adequate coverage under a US domestic insurance plan that will provide continuous coverage outside of the United States, and you must provide a signed Statement of Residence and an address of residence outside of the US, if available. If you are not a United States citizen, you must provide a non-US residence address or provide a signed Statement of Residence.
  
  
• You must be less than 75 years of age.

An application must be completed for each person requesting coverage.

Subject to the terms of the plan, Global Crew Medical Insurance is annually renewable and coverage is continuous when renewed. Prior to the end of each period of coverage (12 months) you will receive a renewal form. You must continue to meet the eligibility requirements in order to renew. There are no additional medical questions at renewal. Please select your deductible carefully, as you will be unable to select a lower deductible when you renew your coverage. Note: If you have reached part of your deductible during the last 30 days of your certificate year, IMG will carry over that portion you have met of your deductible to the next certificate year.

IMG provides an on-line International Provider Access database that can be used to locate health care providers outside the U.S. as needed. The database can be found at Provider Directory. (Note: Use of this service is subject to the terms and conditions specified on-line. These terms must be agreed to prior to using the service.)

After coverage has been in effect for 24 continuous months, Global Crew Medical Insurance provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Crew Medical Insurance does not “rider” or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*

The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.

*See certificate wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate wording is available upon request.

Prior to receiving treatment you may need to contact IMG to precertify your treatment and/or for verification of benefits. Precertification means calling IMG’s Utilization Management and Review department to receive a determination of medical necessity for the proposed treatment or services. It is important to note that precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits or a guarantee of payment. Precertification may be undertaken by you, the doctor, a hospital administrator or a relative. The following treatments and services must be precertified or certain reductions in benefits may result:

• Any surgery or treatment requiring hospitalization
• Outpatient surgery
• Within 48 hours after an emergency admission to the hospital
• Care in an extended care facility
• Home nursing care
• CAT scans, MRIs
• Durable medical equipment including artificial limbs
• Transplants

Verification of benefits is the process of verifying your general coverage and the available benefits under the plan. You may do this by contacting IMG’s Customer Care department whether or not your treatment or services require precertification. Verification of benefits is not a guarantee of payment or assurance of coverage, and all medical expenses must meet eligible payment guidelines in accordance with the terms and conditions of the plan. While precertification and verification of benefits are separate determinations, both are made in reliance on the completeness and accuracy of the information provided by you and your healthcare providers to IMG.

CLAIMS PROCEDURES
When you receive treatment, original itemized bills must be received by IMG within 90 days of services. As a courtesy, claims may be paid in selected alternate currencies by electronic bank wire. Please see the Claim Form for more information and conditions of this service.

CLAIM FILING ALTERNATIVES
DIRECT PAYMENT TO PROVIDERS - In many cases IMG works with the hospital or clinic as an accommodation, including those outside the independent PPO, for direct payment of eligible medical expenses on your behalf. To be eligible to have a claim paid in this fashion, you or the provider must complete a Claim Form and submit it with original itemized bills. In this case, you will be responsible for direct payment of your deductible, coinsurance amounts and non-eligible expenses and charges.

REIMBURSEMENT - If you have received treatment and need to be reimbursed for out-of-pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 90 days. IMG will reimburse your eligible medical expenses after applying the deductible and coinsurance, subject to the terms of the plan.

Please remember to submit your bills and receipts as soon as you receive them. Do not hold them until the end of the year. IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year.

To apply for IMG's Global Crew Medical Insurance plan, you can either apply online or complete a paper application. You must complete all the questions outlined in the application in order to be considered for coverage. An attending physician statement may be required depending upon your answers to the medical conditions, and IMG reserves the right to request additional medical information.

You can apply over the phone as well by calling toll-free 1-866-INSU-BUY.

When your completed application with premium is received, it will be processed as quickly as possible. Once accepted, you or your agent/broker will be mailed a fulfillment kit which includes an identification card, declaration of insurance and a certificate of insurance (containing a complete description of benefits, exclusions and terms of the plan), claim filing information, and claim forms. You are required to notify IMG, as required by the terms of the plan, if you are treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not accepted, you will receive a full refund of premium.

Once you are accepted in the plan, IMG is confident that you will be pleased with the full terms of coverage. To ensure your satisfaction, IMG provides a 15 day period to review the fulfillment kit contents. If, during that 15 day period, you find that you are not happy with the plan for any reason, you may submit a written request for cancellation and full refund of your premium. See the Certificate of Insurance for full details.

Cancellation requests received after this 15 day period will be granted at the sole discretion of IMG as the plan administrator. Any refund you may receive will be based on an established refund schedule, not a pro-rated basis. See the Certificate of Insurance for full details.

When deciding which company will insure your health, there are many important factors to consider. In addition to comprehensive benefits and experienced administration, there must be the commitment and financial stability of an established international insurance company.

While IMG provides complete plan administration expertise, the globally-recognized underwriter, Sirius International Insurance Corporation (publ), offers the financial security and reputation demanded by international consumers. Rated A (excellent) by A.M. Best and A- by Standard & Poor's^*, Sirius International shares IMG's vision of the international marketplace and offers the stability of a well-established insurance company. Sirius International is a White Mountains Re company.

Growing year by year, expanding globally, building upon a solid reputation, remaining stable but never standing still - these characteristics make IMG and Sirius International the team to choose for your Global Peace of Mind^®.

*Sources: A.M. Best affirmed their rating in a press release dated July 11, 2005; Standard & Poor's affirmed their rating in a press release dated November 19, 2004. Ratings are accurate as of the date of printing and are subject to change.



Please refer to the certificate wording for specific terms, conditions and other details regarding the benefits, limitations, eligibility and exclusions outlined in this booklet. Certificate wording is available upon request prior to purchase.

The summary description of coverages, benefits and eligibility in this brochure is accurate at the date of printing, subject to the terms of the plan. Any updates or changes made subsequent to printing will be included in the fulfillment kit sent upon approval of your application, and/or from time to time thereafter.

IMG, International Medical Group, the IMG marine design logo, imglobal, Global Crew Medical Insurance, Global Term Life Insurance, Global Daily Indemnity, Coverage Without Boundaries, and Global Peace of Mind are the trademarks, service marks and/or registered marks of International Medical Group, Inc.

Sirius, Sirius International, and the Sirius design logo are the trademarks, service marks and/or registered marks of Sirius International Insurance Corporation (publ).

© 2006 International Medical Group, Inc. All rights reserved.