Emergency Evacuation
Benefits

Return of Mortal Remains. Provided that You have not elected the benefit provided under Section 3.3, the Company will pay up to the amount in the Schedule of Benefits for the additional Expenses incurred if You die during Your Period of Coverage from an Injury or Illness which is not excluded while outside Your Home Country. You are covered for: Return of intact remains, including expenses incurred for Your transfer to and from a funeral home, embalming, a minimally necessary container appropriate for transportation, shipping costs, death certificate, and the necessary government authorizations to return Your remains to a location inside Your Home Country designated by Your representative. This benefit does not cover funeral costs, including but not limited to religious practitioners, visiting hours or services, flowers, music, food and beverages, or the cost of a coffin, urn, burial plot, or grave marker above that which is minimally necessary. The exclusions in Section 5 apply to the coverage provided under this section.

Local Burial or Cremation. Provided that You have not elected the benefit provided under Section 3.2, the Company will pay up to the amount in the Schedule of Benefits for the additional Expenses incurred if You die during Your Period of Coverage from an Injury or Illness which is not excluded while outside Your Home Country.

You are covered for:

1. Return of cremated remains, including expenses incurred for Your transfer to and from a funeral home, cremation in the Destination Country, a minimally necessary container appropriate for transportation, shipping costs, death certificate, and the necessary authorizations to return Your remains to a location inside Your Home Country designated by Your representative; or
2. Your local in-ground burial of intact or cremated remains, including expenses for Your transfer to and from a funeral home, embalming or cremation but not both, a minimally necessary container appropriate for burial, up to $1,000 for a burial plot, a minimally necessary flat grave marker, death certificate, and the necessary government authorizations for burial in Your Destination Country.

This benefit does not cover funeral costs, including but not limited to religious practitioners, visiting hours or services, flowers, music, food and beverages, or the cost of a coffin, urn, burial plot, or grave marker above that which is minimally necessary.

The exclusions in Section 5 apply to the coverage provided under this section.

Political Evacuation and Repatriation. The Company will arrange and pay up to the amount in the Schedule of Benefits for reasonable and necessary Expenses incurred for (i) Your Political Evacuation; and/or (ii) Your Political Repatriation by means of a one-way economy class airfare. Political Evacuation and/or Political Repatriation must occur within ten (10) days of the events causing the necessity for such action. The means of transportation will be the most appropriate and economical under the circumstances for Your health and safety. Such Expenses will be paid once for You per occurrence.

If You fail to heed a Level 3 Terrorism, Level 3 Civil Unrest, or any Level 4 Travel Advisory issued by the United States Department of State or similar warnings issued by other appropriate authorities of either Your Destination Country or Your Home Country recommending that travelers avoid a certain country, region, or specific areas or locations within a country, benefits for Political Evacuation and Repatriation are not covered and will be denied.

The Political Evacuation or Political Repatriation must be arranged by Seven Corners Assist. In the event You do not contact Seven Corners Assist, this benefit will be limited to the amount the Company would have paid if Seven Corners Assist was utilized. Only Expenses which are necessary and cost appropriate will be considered.

Political Evacuation and Repatriation Exclusions. The coverage provided under this section excludes Expenses:

1. Recoverable under any other insurance or through an employer;
2. Arising from or attributable to:
   1. .Dishonest or criminal acts committed or attempted by You;
   2. Alleged violation of the laws of the Destination Country by You unless the Company, in its sole discretion, determines such allegations to be fraudulent;
   3. Your failure to maintain required documents or visas;
   4. iv.Debt, insolvency, commercial failure, or the repossession of any property;
   5. v.Your non-compliance with a contract or license; and
   6. vi.Implementation of illegally contributed exchange rates.
3. Due to liability assured or assumed by You under any contract; or
4. For arrangements not made by Seven Corners Assist.

Additionally, the exclusions in Section 5 apply to the coverage provided under this section.

Travel Assistance Services. Upon enrollment, You are eligible to use any of the assistance services provided by Seven Corners Assist. These services are available twenty-four (24) hours per day, three hundred sixty-five (365) days per year. Multilingual personnel, physicians, and nurses are on staff and can assist with, among other things, emergency situations and locating medical facilities.

Accidental Death and Dismemberment. The Company will pay indemnity determined from the table below if You sustain a loss resulting from Injury suffered from an Accident during the Period of Coverage, provided that: a. such loss occurs within three hundred sixty-five (365) days after the date of Accident causing such loss; b. the indemnity payable for any such loss shall be the Principal Sum stated on the Schedule of Benefits as applicable to You and this Insurance; and c. if more than one (1) loss stated in the table of losses is sustained as the result of one (1) Accident, only one (1) of the amounts, the largest, will be paid.

Loss of life: Principal Sum

One loss (A hand severed above the wrist, a foot severed above the ankle, or an eye with complete and irrecoverable loss of sight): 50% of Principal Sum

Two or more losses (Any combination of two (2) or more losses of a hand severed above the wrist, a foot severed above the ankle, or an eye with complete and irrecoverable loss of sight): Principal Sum

Quadriplegia (The complete and irreversible total paralysis of both upper and lower limbs): Principal Sum

Paraplegia (The complete and irreversible total paralysis of both lower limbs): 75% of Principal Sum

Hemiplegia (The complete and irreversible total paralysis of both the upper and lower limbs on one side of the body): 50% of Principal Sum

Uniplegia:(The complete and irreversible total paralysis of one limb): 25% of Principal Sum

The total amount payable under this section when there are multiple Insured Persons covered, is the Aggregate Limit in the Schedule of Benefits. If the total of such indemnity exceeds the Aggregate Limit, the Company will not be liable to any Insured Person for a greater proportion of such Insured Person’s indemnity afforded by the Accidental Death and Dismemberment benefit than their proportionate share.

For loss of life, the benefit will be paid to the beneficiary designated in writing by You. If no beneficiary is designated or if the beneficiary is no longer living, the benefit will be paid to Your closest living Relative in the following order: a. Spouse; b. child(ren); c. issue of deceased child(ren); d. parent(s); e. siblings; f. issue of deceased siblings; g. grandparents; h.siblings of parents; or i.Your estate.

The coverage provided under this section excludes Expenses:a. For disease or sickness of any kind;b. For bacterial infections except pyogenic infection that occurs through an Accidental cut or wound; or c. For hernia of any kind.