2020

International coverage for seniors including preventive benefits with access to the highest quality providers and GBG’s Security Network in the U.S.

Geographic Coverage Areas

Global Wellness provides worldwide coverage with access to a U.S. Preferred Provider Network containing more than 5,000 hospitals and 550,000 providers with an option for coverage out-of-network. Outside of the U.S. members can access any provider of their choice. This extensive geographic coverage area and use of provider networks allow GBG to provide first class worldwide coverage while maintaining affordable rates.

Global Wellness is tailored exclusively for individuals and couples over the age of 60 residing in Latin America and the Caribbean who seek affordable, comprehensive international health insurance with access to an outstanding U.S. medical provider network.

The plan offers a range of deductibles for members and provides coverage for inpatient care, outpatient care, emergencies, plus a pharmacy and preventive benefit and more.

As with all GBG plans, Global Wellness includes the world-class services of GBG Latin America for case management and evacuations, if necessary, anywhere in the world any time of day. GBG services include a vast network of medical facilities that will bill the Company directly, eliminating the need for a member to pay up-front for services.

Global Wellness also includes the GBG Personal Medical Advisor, one of the world’s leading Medical Second Opinion services.

This is only a brief summary of key Plan provisions. Please refer to the Policy for complete details. Benefits are per person per Policy Period and are based upon medical necessity and Usual, Customary and Reasonable (UCR) charges, after Policy Period Deductible. Currency: USD

Global Wellness Schedule of BenefitsMAXIMUM BENEFIT

Policy Period Maximum of $500,000Lifetime Maximum $2,500,000

PROVIDER NETWORK • Worldwide excluding USA: Free choice of Providers.

• USA: The Insurer maintains the GBG Global Security Network. In-network benefits are paid at 100%. Out-of-network benefits are paid at 70%.

HOSPITALIZATION BENEFITS

Private/Semi-private room including; medical treatment, medicines, laboratory and diagnostic tests

100%; up to $2,250 per day, for the first 120 days of the hospitalization; then $750 per day

thereafter

Intensive care including; medical treatment, medicines, laboratory and diagnostic tests

100%up to $3,000 per day, for the first 30 days of the hospitalization; then $1,000 per day

thereafter

Inpatient Surgery/Inpatient surgeon and consultation 100%; up to $50,000 per Policy Period

Accommodation charges for companion of a hospitalized Insured Up to $2,000 or Private Duty Nursing, maximum $200 per day

OUTPATIENT BENEFITS

Outpatient physician/specialist visit100%;

up to $100 per visit; maximum 12 visits per Policy Period

Diagnostic exams including laboratory and imaging tests 100%; up to $500 per exam

Outpatient surgery, medical and nursing fees 100%; up to $50,000 per Policy Period

Physical therapy and rehabilitation services100%;

up to $100 per visit; maximum 30 visits per Policy Period, all therapies combined

Preventive Care/Checkup (10 month Waiting Period applies)100%;

$150 Maximum per Policy Period; Deductible waived

Prescribed medication after covered hospitalization or consultation 100%; up to $1,000 per Policy Period

POLICY PERIOD DEDUCTIBLESPlan Outside the USA Inside the USA

Plan 1 $3,000 $5,000

Plan 2 $10,000 $10,000

Plan 3 $20,000 $20,000

Deductible per Individual

This is only a brief summary of key Plan provisions. Please refer to the Policy for complete details. Benefits are per person per Policy Period and are based upon medical necessity and Usual, Customary and Reasonable (UCR) charges, after Policy Period Deductible. Currency: USD

EMERGENCIES

Ground Ambulance 100%; Deductible waived

Air Ambulance Not covered

Emergency room and medical services 100%

Emergency Dental Care (Limited to accidental injury of sound natural teeth). Services must be completed within 120 days of Accident

100%; up to $25,000 Lifetime Maximum

SPECIALIZED TREATMENTS

Transplant Procedures(in the U.S. Institutes of Excellence facilities approved by GBG only)

100%; $175,000 Lifetime Maximum per diagnosis

includes donor expenses and donor procurement expenses up to $15,000

OPTIONAL RIDER: Additional $350,000 added to Lifetime Maximum

OTHER BENEFITS

Oncologic treatment 100%; up to $80,000 per Policy Period

GBG Personal Medical Advisor - Medical Second Opinion Included

Home Health Care/ Home Care100%;

up to $100 per day; maximum 30 days per Policy Period

Hospice Care 100%; up to $750 per day; maximum 120 days

Durable Medical Equipment 100%; up to $2,000 per Policy Period

Hearing Aids 100%; up to $1,000 Lifetime Maximum

War and Terrorism Benefit 100%

Repatriation of Mortal Remains $7,500 maximum per Insured

This is only a brief summary of key Plan provisions. Please refer to the Policy for complete details. Benefits are per person per Policy Period and are based upon medical necessity and Usual, Customary and Reasonable (UCR) charges, after Policy Period Deductible. Currency: USD

• Lifetime Maximum of $2,500,000• Inpatient and Outpatient Coverage • Worldwide Direct-bill Network• Online Claims Filing• Live Customer Service• Preventive Benefits• Transplant Procedure Benefit and Optional Rider• Worldwide Portability

Key Benefits

THE FOLLOWING SERVICES REQUIRE PRE-AUTHORIZATION• Hospitalization• Exams or Outpatient procedures that requires more than local anesthesia• Oncologic Treatment in excess of $10,000• Home Health Benefits/ Home Care • Organ, bone Marrow, stem cell transplants, and other similar procedures• Specialty Treatments and Highly Specialized drugs • Any condition that is expected to accumulate over $10,000 of medical treatment per Policy Period.

NOTE: Failure to pre-authorize a procedure that requires Pre-authorization will result in a 30% penalty.

(Except organ, bone marrow, stem cell transplants, and other transplant similar procedures not Pre-Authorized by the Company will not be covered)

GBG Latin America7600 Corporate Center Drive, Suite 500

Miami, FL 33126 USA

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2020