A Worldwide Assistance leaderWorldwide Assistance

Services, Inc.

“You don’t have worldwide assistance unless you have Worldwide Assistance!”

ISE Cards –WAOctober 21, 2005

Discussion topics

• Worldwide Assistance, your best partner

• Medical Benefits• Non-medical Benefits• Available Benefits• Comprehensive Travel

Assistance• Current Medical Case Flow

Process

Worldwide Assistance is your best partner!“The world’s oldest and most experienced assistance company.” - Leading the world of assistance since 1963!

208 Countries and Territories Covered• 39 around-the-clock Alarm Centers in 34

countries • 4,500 employees• 250 Agent Offices

Constant Activity (2004 group data)

• 41.7 million telephone calls (1 call/second)• 7.4 million assistance cases opened

(one case every 5 seconds)• 8,000 transports annually worldwide

Exceptional capabilitiesTruly international scope affords innovative market-focused solutions.Ability to assist under exceptionally difficult circumstances. Tightly controlled inter-office structure provides the most consistent and controlled service approach. Owned by Generali Insurance – resources for innovation.Financial stability assures long-term business partnerships.

Clinical advantages20-year old partnership with George Washington University’s Department of Emergency Medicine means medical travel assistance dedicated to the patient. 400 medical professionals in the group.

Network AdvantagesShared resources and worldwide “on the ground” presence.Proprietary database represents over 400,000 active provider relationships.

Customer Service AdvantagesWA’s expertise and service provide quality support to ISE members. We can customize based on your needs!We support your business development!

Name Recognition. Worldwide.

Medical Benefits

• Monitoring of Medical Conditions • Medical Referrals • Evacuation (limited to $5,000

CSL)• Repatriation • Medical coverage up to $2,000.

Basic

Non-Medical Benefits

• Legal Referral• Embassy/Consular Referrals• Lost Baggage/Items

Assistance• Travel Agency Benefits –

change of itinerary/tickets, etc.• Lost passport assistance

Basic

Available Additional Services, Medical

• Return of Mortal Remains• Return of Traveling Companion• Transport Escort Benefit • Visit by family member/friend• Coordination/Assistance with Medical

Payment • Advance of medical expenses • Medical emergency expense

guarantee/ advance overseas

Available Additional Services, Non- Medical

• Advance of Cash• Emergency Message Relay• Phone Interpretation and Translation

Services• Advance of Bail• Pre-trip/travel information• Cultural Information• Ski reports, etc.

Available Benefits

• Additional medical and transport coverage – inbound and outbound – optional to the member.

• Web-enabled Services • Security Services

– Alert Headlines– Country/City Profiles– Political Evacuation

• Nurse Hotline• Identity Theft Assistance•

International Medical Referrals

Security Services

ID Theft Assistance

Medical Management

Evacuation

Visit by family member/friend

Return of Traveling Companion

Nurse hotline

Security briefs

ID Theft Assistance

Return of Mortal Remains

Repatriation

Political Evacuation

ID Theft Assistance

US Medical Referrals

Travel Agency

Advance of Medical Payment

Advance of Cash

Prescription Transfer

Vehicle Return

Pet Return

Lost Baggage/Items

Lost Passport

Cultural Information

Embassy/Consular Referrals

Web Enabled Services

Legal Referrals

Phone Interpretation and Translation

Claims settlements

PPO Discounting

COMPLEX

SIMPLE

Before

STANDARD

AfterDuring

Comprehensive Travel Assistance

Medical Non-Medical Available

Medical Case Flow Process

Medical Contact (MD to MD)Assessment of patient conditionTransport recommendationUpdate to ACE advising of travel recommendation as applicable

WA Coordinator Opens file, obtains infoNotifies via phone call and/or e-mail Franz Jost.Obtains MC/RNC as quickly as possible.Provides continuing feedback to Franz Jost and manages updates.

Transport CoordinationCoordinator arranges transportContacts providers for updateProvides payment guarantee/ coordinationArranges receiving end Coordinates admissionConducts follow-up on transportPeriodic updates to ISE throughout

Call from Member/ Friend

In-patient

Repatriation Evacuation

WA advises claim to be submitted to ISE Card. Up to $2,000 expense guarantee WA may guarantee inpatient/outpatient expenses with approval from Franz Jost up to designated amount. WA re-invoices ISE in case of advance

Provider bills reviewed and payments preparedWA bills ISE (med. necessary transport) or member (on request)EOB and check mailedto provider/patient

General Notes & Protocol Standard toll free/collect numberWA authorized by to arrange for emergency transport services after verification of eligibility Up to $5,000 coverage Member has up to $2,000 in medical expense coverage. Adjudication not through WA.

Payments to Providers of Medical Transports

Review and settlement to WAClaims reports, case management reports to ISE upon request

Continued Medical MonitoringWA updates Franz JostCloses case file once resolved (no medical expense involvement)

No Transport

Nurse Contact (RN to MD/RN)(Applies if invasive procedure)Contacts provider for information/coordinationUpdates to Franz JostFollow up

Outpatient Medical Claim

Medical Claim

For more information: Please contact Helmut TerjungDirector of Client Services hterjung@worldwideassistance.com202 659 7775

Thank You!