ORBE Summary of Benefits

www.wellaway.com ORBE Summary of Benefits

www.wellaway.com Summary of Benefits

Annual Limit 5,000,000 Coinsurance ORBE 90 ORBE 100 WellAway s share of costs on a covered service Your share of costs on a covered service 20%* 20%* 90% 10%* 90% 10%* 100% 0% 100% 0% Zone 1 Worldwide (including the USA) Zone 2 Worldwide (excluding the USA) Zone 3 Worldwide (excluding: USA, Bahamas, Bermuda, Brazil, Canada, China, Hong Kong, Japan, Panama, Singapore, Switzerland, and United Kingdom.) Zone 4 Rest of the world (excluding: USA, Angola, Argentina, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belgium,Bermuda, Bolivia, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Chile, China, Cyprus, Colombia, Costa Rica, Croatia, Czech Republic, Denmark, Djibouti, Dominican Republic, Ecuador, Finland, France, Georgia, Germany, Greece, Guatemala, Hong Kong, Hungary, Iceland, Ireland, Israel, Italy, Japan, Kazakhstan, Kuwait, Lebanon, Lithuania, Liechtenstein, Luxembourg, Malaysia, Mexico, Monaco, Mozambique, Netherlands, New Zealand, Nigeria, Norway, Oman, Panama, Peru, Portugal, Qatar, Russia, Saint Bartholemy, Saint Martin, Saint Pierre and Miquelon, Saudi Arabia, Slovakia, Spain, Singapore, South Africa, Sweden, Switzerland, Taiwan, Thailand, Turkey, UAE, United Kingdom, Ukraine, Uruguay, Venezuela, Vietnam, Wallis and Futuna Islands.) Worldwide Benefits Zone 1, 2, 3 & 4 USA Benefits - Zone 1 Coinsurance maximums are capped to an annual limit depending on the chosen plan (, 90, 100). Please refer to pages 8, 14 and 20 for limits on caps per plan. Want to lower your premium? By choosing a deductible option of 100, 250, 500, 1,000, 2,000, 5,000, you may further lower your premium. Please contact your broker or a representative of WellAway Limited for more information. USA Benefits Available with Zone 1 Maximum amounts apply to certain services. *Some out-of-pocket may apply When going to out-of-network providers in the USA, 50% coinsurance will apply. You have access to special claims and administrative services within the USA. We provide you with access to more than 6 million facilities, doctors, osteopaths and outpatient services via our provider network. The USA is an expensive healthcare market. To help you keep your share of costs as low as possible, we endorse the use of in- network providers. When using out-of-network providers, 50% coinsurance will apply. WellAway ORBE 2

Annual Limit 5,000,000 WELLNESS PREVENTIVE (subject to 2 month waiting period, not applicable to newborns) Adult Female: Wellness physical examinations office visit, lab work, urinalysis & papanicolaou (PAP) screening Mammogram (eligible age: 40 years or above) Colonoscopy (eligible age: 50 years or above) Adult Male: Wellness physical examinations office visit, lab work & urinalysis PSA screening test & colonoscopy (eligible age: 50 years or above) up to 500 up to 500 Children: Wellness physical examinations office visit, health history, development assessment, physical examination, age related diagnostic tests, vaccination and immunization in accordance with CDC recommendation for age. Podiatry up to 100 per session 5 visit limit up to 100 per session 5 visit limit Alternative Medicine (acupuncture, chiropractic, homeopathy, herbalism, dietetics) up to 100 per session limited to 500 Vaccination Required for Travel up to 100 WellAway ORBE 4

Annual Limit 5,000,000 HOSPITALIZATION AND SURGERY Hospitalization (inpatient) Pre-authorization required (room & board, miscellaneous room services) In-Hospital Advanced Diagnostic Services (e.g., MRI, CT scans, Nuclear imaging) Private or semi-private room, up to 500 per day. up to 500 per day Routine X-Ray and Lab Tests Intensive Care Unit (limited to 180 days ) Physician & Osteopath Services (inpatient) (limited to 1 per day, per specialty when medically necessary) Rehabilitation (inpatient) Pre-authorization required Renal Failure Dialysis (inpatient) Pre-authorization required Hospice 10 day limit 10 day limit up to 50,000 up to 50,000 30 day limit 30 day limit Pre-Admission Testing (must be performed 3-5 days in advance) Oncology Treatment Pre-authorization required (includes chemotherapy, radiation and breast reconstruction) Reconstructive Surgery Pre-authorization required (due to illness or injury) Surgical Appliance and Prosthesis (covered for devices which are an integral part of the surgical procedure when medically necessary) Surgeon Fees Pre-authorization required Miscellaneous Equipment and Supplies Organ Transplant Pre-authorization required (subject to 6 month waiting period) Inpatient Psychiatric Pre-authorization required (subject to 10 month waiting period) Ambulatory Surgical Facility Pre-authorization required up to 150,000 lifetime 10 day limit up to 150,000 lifetime 10 day limit WellAway ORBE 5

Annual Limit 5,000,000 OUTPATIENT CARE Outpatient Psychiatric Consultation & Psychotherapist Visit (subject to 10 month waiting period) 10 consultation limit 10 consultation limit Primary Care Visit Only if medically necessary (includes physicians and osteopaths) up to 100 per consultation Specialist Consultation Only if medically necessary (includes physicians and osteopaths) up to 200 per consultation Durable Medical Equipment limited to 900 Allergy Testing & Treatment Pre-authorization required (includes injections for allergies) up to 200 per day Basic Diagnostic Services (laboratory tests, x-rays, ultrasounds, EKG) Advanced Diagnostic and Imaging Services Pre-authorization required (when performed in a free-standing non hospital facility, e.g., MRI, CT scans, PET scans, MRA, nuclear imaging) up to 1,000 Outpatient Therapeutic Services (rehabilitation: physical, occupational, speech, pulmonary & cardiac rehab - treatment plan must be provided) up to 100 per session. limited to 15 sessions per therapy type. Max 45 sessions. limited to 15 sessions per therapy type. Max 45 sessions. Home Health Care Pre-authorization required (care must begin immediately following your hospital stay of no less than 3 days) Outpatient Renal Failure Dialysis 15 day limit per post-hospital discharge. Max 30 days 10,000 limit 15 day limit per post-hospital discharge. Max 30 days per policy year 10,000 limit WellAway ORBE 6

Annual Limit 5,000,000 EMERGENCY CARE UNIT Emergency Ground Ambulance (limited to one way trip) Emergency Medical Services/ Emergency Room Urgent Care Clinic/ Facility Emergency Dental Treatment (due to accident or injury to sound natural teeth and treated within 24 hours of the event) up to 600 up to 600 PRESCRIPTION DRUGS Prescription Drugs Generic dispensed when available: - Brand will only be dispensed if generic is not available and it is medically necessary. - In the USA, brand will be paid at the equivalent cost of generic. up to 5,000 up to 5,000 EVACUATION & REPATRIATION Emergency Medical Evacuation and Repatriation Pre-authorization required (members can return to their country of origin to be treated as long as they are physically and medically stable) Transfer to the nearest facility if the treatment needed is not available locally. Companion Coverage/Bedside Visit (15 day limit ) up to 50,000 up to 50,000 limit per covered person, limit per covered person, Transportation (economy-class flight), Hotel stay (75 per day limit), Car rental (30 per day limit), Daily meal allowance (25) Repatriation of Mortal Remains Pre-authorization required 25,000 maximum lifetime 25,000 maximum lifetime WellAway ORBE 7

Annual Limit 5,000,000 MATERNITY (Optional) (subject to 10 month waiting period) ORBE Optional Coverage Maternity Global Period Coverage (includes hospital, obstetrician and anesthesiologist) up to 8,000 up to 8,000 Complications of Pregnancy (mother only) Non-Healthy Newborn Infant (baby must be added to the policy) Congenital Disorder (baby must be added to the policy) up to 50,000 up to 50,000 up to 100,000 up to 50,000 up to 50,000 up to 100,000 DENTAL AND VISION COVERAGE (OPTIONAL) Dental & vision benefits are offered a package and may not be purchased separately. Maximum Benefit 3,500 Basic (routine) FIRST YEAR SECOND YEAR THIRD YEAR 65% 90% Deductible 100 lifetime Major Restorative 25% 50% 65% Preventive (exams & cleanings, 2 per year) 100% 100% 100% Vision Care (vision subject to 6 month waiting period) Routine Vision Exam 75, 10 copay (one vision exam per year - includes any fees for contact lense fittings) Orthodontic Treatment (covered for children under the age of 19-1,200 lifetime maximum per child, 600 annual limit) Lenses (single vision, bifocal, trifocal) Frames (limited to one per benefit period) 10% 25% 50% Paid in full up to 200 (limited to one every 24 months) Paid in full up to 225 Contact Lenses (in lieu of frames) COINSURANCE MAXIMUM Paid in full up to 225 6,300 individual 12,600 family WellAway ORBE 8

CONTACT US Bermuda: +1 441 296 0651 UK: +44 2036 036 804 France: +33 1 78 90 38 68 Belgium: +32 9 352 00 22 Skype: +1 888 983 2370 info@wellaway.com WellAway Limited Canon s Court, 22 Victoria Street Hamilton HM 12, Bermuda www.wellaway.com THANK YOU! Rev. 02092018 WellAway ORBE 21