Mission+Plus International covers the Usual, Reasonable and Customary charges for eligible expenses in the area where treatment is received. Deductibles are per insured person per calendar year with a maximum of 2 deductibles per family per calendar year. For eligible expenses incurred in the United States and Canada: Once the deductible has been met, the plan will pay 80% of all eligible medical expenses up to US$5,000 then 100% of eligible expenses up the the policy maximum. For eligible expenses incurred outside of the U.S. and Canada: Once the deductible is met, the plan will pay 100% of eligible expenses up to the policy maximum.

MEDICAL INSURANCE	BENEFIT Subject to deductible and coinsurance
Coverage Area	Worldwide
Policy Maximum Per Individual	US$1,000,000 lifetime (may be increased to US$5,000,000)
Hospital Room & Board	Payable up to the average semi-private room rate, including nursing service
Hospital Pre-Admission Testing	Subject to deductible
Intensive Care Unit	Up to 3 times the average semi-private room rate
Second Surgical Opinion	Subject to deductible & coinsurance unless requested by the Company (payable at 100% if requested by the Company)
Eligible Medical Expenses	Usual, reasonable, & customary
Transplant Benefits Subject to special transplan pre-certification requirements, and only when expense treatment is provided within the Managed Transplant System Network. Covered transplants are: heart, heart/lung, lung, kidney, kidney/pancreas, liver, and allogeneic and autologous bone marrow.	US$500,000 lifetime maximum for covered transplants
Maternity and Newborn Care	Subject to special maternity pre-certification requirements, same as any other illness
Mental/Nervous Disorders Inpatient treatment Limited to 15 days per calendar year per insured person Outpatient treatment Maximum of 40 visits per calendar year per insured person	Same as any other illness 50% reimbursement
Wellness Benefit For you and your spouse for a physical examination, including immunizations and mammograms every 24 months. To qualify, you must have been covered under the Mission+Plus International plan for at least 24 months and must be at least age 35 if female, or at least age 40 if male.	Up to US$250 coverage (not subject to deductible or coinsurance)
Physical Therapy	Up to US$50 maximum per charge per visit
Chiropractic Care	US$500 maximum per year, reimbursable at 50%
Home Health Care	Limited to 30 days per occurrence of illness
Extended Care Facility	Limited to 100 days per occurrence of illness
Hospice Benefit	US$7,000 lifetime per insured person
Additional Benefits •Life Insurance •Dental Insurance •Emergency medical evacuation insurance	Required Optional Optional

This is a summary of benefits only, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions thereunder. Please refer to the policy wording for a complete description, available upon request.