[ LA MOBILITÉ ]INDIVIDUALS

Changing the face of insurance.

Magellan2012

Personal insurance for globe-trottersand short-term expatriates worldwide

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APRIL International supportsthe Foundation for Nature and Mankindand Handicap International

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Magellan,comprehensive insurance for short-term trips worldwide!

The Magellan policy is designed for anyone under the age of 75 spending up to a year travelling or spending lessthan a year anywhere in the world (excluding France, the French Overseas Departments and Regions and the countryof nationality).The policy insures you against the unexpected during your time abroad and offers 2 levels of cover to suit both yourneeds and your budget.

Why take out international insurance?

Faced with medical expenses?Emergency hospitalisation? Doctor’s appointment?Magellan covers your medical expenses from the 1st euro you spend and offers a direct payment service forhospital charges: you have nothing to pay to the hospital. We'll take care of it!

Need assistance during your trip?Involved in an accident and need to be repatriated straight away? Hospitalised and awaiting the arrival of arelative?APRIL International will organise your medical repatriation, at any time, day or night, to your home or to thehospital and will cover travel and accommodation costs allowing a relative to visit you.

What if you lose your luggage during the trip?APRIL International reimburses you up to €1,600 in the event of the loss, theft or destruction of your luggage.The policy also covers you for essential replacement items up to the value of €200 if your checked-in luggageis delayed.

A policy specially designed for your trips abroad

Medical expenses covered at 100% of actual costs with no excessBenefits apply in each country you visit

Cover applies during short return visits to your country of nationality

A translation service and a legal assistance hotline to help you with administrative procedures

Meets insurance requirements for Working Holiday Visa applications

MONTHLYPAYMENTOPTION

by telephone: +33 (0)1 73 02 93 93 Monday to Thursday from8.30 to 18.00 (8.30 to 17.30 on Friday) - Paris time

by email: info@aprilmobilite.com

at our offices: 110, avenue de la République75011 Paris - FRANCE

Our multilingual teams at your service:

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Take a look at our healthcare benefits specially designed for trips to the North America

In association with our partners, APRIL International has created exclusiveservices:

Access to one of the largest healthcare networks in the United States with nearly 450,000doctors and more than 4,500 hospitals; using this network means you have no cash advanceto make and we’ll settle your bill for you. This benefit is available for:- consultations with GPs and specialists,- diagnostic tests,- X-rays,- laboratory tests and medical treatments.

A third-party pharmacy payment card: no cash advance requiredin over 60,000 pharmacies in the United States.

A home consultation service: no long waits in the emergency roomand no need to pay for the consultation in the USA, Canada and Mexico.

NEW IN 2012!

With our geolocalisation service, you can access our US network of medical service providers in just a

few seconds and find your nearest doctor, hospital or pharmacy.

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Benefitsspecially adapted to the needs of the international traveller

MINI COMPLETE

- Medical or surgical hospitalisation:- Transfer by ambulance (if hospitalisation is

covered by APRIL International)- Accommodation- Medical and surgical fees- Examinations, tests and medicines- Medical procedures

100% of actual costssee definition p5

100% of actual costssee definition p5

Direct payment of hospital charges see definition p5

during approved hospitalisation for more than 24 hours

provided on request 24 hours a day,if prior agreement has been

obtained

provided on request 24 hours a day,if prior agreement has been

obtained

Private room not covered up to €50 per day

Consultations and visits to general practitioners or specialists

100% of actual costs,only in the event of accident and onpresentation of a medical certificate,

up to €500 per insurance year

100% of actual costs,up to €80 per consultation

X-rays, diagnostic tests, drugs, nursing care* and specialists procedures 100% of actual costs

Physiotherapy* (following hospitalisation paid forby APRIL International)

100% of actual costs,up to €50 per session

Eye care: lenses, contact lenses and frame(following a reported accident see definition p5)

not covered 100% of actual costs,up to €350 per year

Dental treatment and protheses (following areported accident)

Other prostheses (following a reported accident)

Contraceptives (condoms) not covered up to €20 per year

MEDICAL EXPENSES Up to €200,000 per insurance year

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* Subject to prior agreement see definition p5 if more than 10 sessions are prescribed per insurance year.

Send your medical bills to

APRIL International

See a healthcare

professional

Your reimbursement is processed within 48 hours

(excluding postal delivery and bank processing times)

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Actual costs: total medical expenses charged to you.

Direct payment of hospital charges: if you are hospi-talised for more than 24h, we can pay your hospital chargeson your behalf: we will contact the hospital to settle yourbill and you have nothing to pay up front.

French Overseas Departments and Regions: FrenchGuyana, Guadeloupe, Martinique and Reunion Island.

Prior agreement: certain medical treatments andprocedures require the prior agreement of our Medical

Examiner. The practitioner prescribing these treatmentsor procedures must provide you with a request for prioragreement and a detailed breakdown of costs beforeincurring any corresponding treatment.

Reported accident: an accident recorded by a competentauthority present at the scene (police, firefighters orparamedics) where a certificate was issued specifying thecircumstances of the incident, the nature of the injury andthe date of the accident.

DEFINITIONS

APRIL INTERNATIONAL WILLREIMBURSE YOU WITHIN 48H

How to claim reimbursement of your medical expenses

international

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In the event of illness, accident or serious problems, we will come to your aid 24 hours a day, 7 days a week. Simply call us orsend a fax.

MINI COMPLETE

Medical evacuation and repatriation covered covered

Search and rescue costs up to €5,000 per personand up to €15,000 per event

up to €5,000 per personand up to €15,000 per event

Return of insured family members

not covered

covered

Return to the country of destination orcost of sending a colleague to replacethe insured

covered

Cost of a family member if the insured ishospitalised for more than 6 days

return ticket and €80 per night up to a max. of 10 nights

Early return home due to the death or hospitalisation of a family member

return economy class airline ticket or 1st class railway ticket

Early return home if your home is verybadly damaged

return economy class airline ticket or 1st class railway ticket

Early return home due to a terroristattack or natural disaster reimbursement of your travel costs

Procurement and shipment ofmedication not available locally covered

Sending urgent messages covered

Repatriation of body in case of death covered covered

Presence of a family member or friend toaccompany the deceased covered covered

Provision of coffin up to €1,500 up to €1,500

Advance payment of bail abroad up to €15,000 up to €15,000

Legal expenses incurred while abroad

not covered

up to €3,000

Travel assistance in case of loss or theftof personal items advance of up to €1,000 per event

Delayed baggage up to €200

Enforced stay abroad €80 per day, maximum 5 days(accommodation and food)

Translation of legal and administrativedocuments up to €500 per year

REPATRIATION ASSISTANCE

Benefits (cont.)specially adapted to the needs of the international traveller

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The following cover is only available under the Complete option.

COMPLETE

Legal information and safety advice by phone covered

COMPLETE

Bodily injury up to €4,500,000 per claim

Material and consequential damageup to €460,000 per year,

excess €75

Legal cover - recourseup to €3,100 per year, for costs over €228

Material damage during internshipsup to €12,000 per year,

excess €75

COMPLETE

Accidental death €10,000, limited to funeral expenses for the under 16’s

Accidental total permanent disability, reduced in the event ofpartial permanent disability

€40,000, proportional excess: 20%

COMPLETE

Luggage which is lost, stolen or destroyed in an explosion or fire or by water during the outward or return trip or duringthe stay

up to €1,600, excess of €30 per claim,

benefit limited to 50% for valuables, i.e. up to €800

LEGAL ASSISTANCE

PERSONAL ACCIDENT

BAGGAGE COVER

PERSONAL LIABILITY private capacity, internships and tenant's liability

COMPLETE

Dialogue with a clinical psychologist telephone calls or exchanges of email

COUNSELLING

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Examplesof reimbursementsWith Magellan, you're protected from anything that might threaten to disrupt yourtime abroad.

€0You pay

€60.00APRIL International

reimbursementLucy, trainee in Rome

I went to see a back pain specialist in Italy.Cost of the visit: €60I have a Magellan Complete policy.

> 15 JuneRESCUED

While trekking in Nepal, I fell and received a numberof head injuries.I needed to be helicopteredto the hospital inKathmandu.

Total cost of the rescueservice: €891I paid: €0

David, age 27, gave himself 3 months to cross Asia

I am insured under a Magellan Complete policy.

AUD 7,000 APRIL International

reimbursement

AUD 0You pay

Mickael, on a working holiday programme in

Sydney

I was hospitalised with appendicitis.Cost of the operation and the stay in hospital: AUD 7,000.I have a Magellan Mini policy.

> 15 JuneHOSPITALISED

I have to remainhospitalised for 2 weeks.

Total cost ofhospitalisation:€529.55I paid: €0

> 22 JuneVISIT FROM MY MOTHER

APRIL paid for a returnticket for my mother whocame to visit me for a fewdays at the hospital

Total cost of the airlineticket: €757.62I paid: €0

> 30 JuneTESTS

Before letting me set offagain on my Asianadventure, the doctorchecked my condition byprescribing an MRI scan.

Total cost of the scan:€227I paid: €0

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Unlike the Complete option, the Mini option does not provide cover for all eventualities arising during a trip abroad. It provides basic coverbut APRIL International recommends the Complete option.Mini option application is only available online.

MONTHLY PREMIUMS (all taxes included)

Create the best policy for your trip!

• Medical expenses: hospitalisation(in the event of illness or accident) andprimary healthcare in the event of accident

• Basic repatriation assistance

OR

M I N I

COMPLETE• Medical expenses: hospitalisation and

primary healthcare in the event of illness oraccident

• Extensive repatriation assistance• Legal assistance• Counselling service• Personal liability private capacity,

internships and tenant's liability• Personal accident• Baggage

2 levels of cover to suit both your needs and your budget:

For all applications prior to 01/01/2013. Payment by monthly instalments is not available if your trip includes a half month.

• Medical expenses: hospitalisation (illness and accident), primary healthcare only in the event of an accident• Basic assistance cover (medical repatriation, search and rescue costs, advance of bail, repatriation of body, presence of a family member or

friend to accompany the deceased and cost of coffin)

Length(minimum of 15 days, 12 monthsmaximum)

Age < 30 Age 31-40 Age 41-50 Age 51-64 Age 65-74

indiv fam indiv fam indiv fam indiv fam indiv

Full payment of the premium15 days €30 €83 €45 €119 €58 €157 €72 €196 €91

1 month €46 €123 €61 €165 €82 €220 €102 €276 €138

Premium payment in monthly instalments 1 month €52 €129 €67 €171 €88 €226 €108 €282 €144

MINI OPTION

• All benefits listed

Length(minimum of 15 days, 12 monthsmaximum)

Age < 30 Age 31-40 Age 41-50 Age 51-64 Age 65-74

indiv fam indiv fam indiv fam indiv fam indiv

Full payment of the premium15 days €51 €140 €75 €195 €99 €266 €122 €330 €153

1 month €76 €206 €102 €276 €138 €371 €174 €465 €236

Premium payment in monthly instalments 1 month €82 €212 €108 €282 €144 €377 €180 €471 €242

COMPLETE OPTION

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How the policy operatesUseful information before you apply

WHO IS THE POLICY DESIGNED FOR?

- any person under the age of 75,- travelling abroad, outside France, the French Overseas Departments and Regions and their country of nationality,- for periods ranging from 15 days to 12 months.

WHERE AM I COVERED?

With Magellan, you are covered worldwide (including during short visits to France, the French Overseas Departments andRegions and to your country of nationality).Certain countries may be excluded from the policy as a result of heightened tension there. The list of excluded countries isavailable on request by calling +33 (0)1 73 02 93 93.

WHEN AM I COVERED ?

Your policy starts at the earliest on the day following receipt of your Application form and the corresponding payment, subjectto the application of the following waiting periods for medical cover:- none in the event of an accident;- in other cases: 8 days.

WHAT IF I TAKE PART IN SPORTS DURING MY TIME ABROAD?

With Magellan, you are covered during amateur sporting activities within a club or federation. Dangerous sports and professional sporting activities or competitions are not covered (ask us for further details).

HOW TO APPLY

Fill in and sign the attached Application form following the instructions provided on the last page.

Send your application to: APRIL International Expat - Service Adhésions Individuelles - 110, avenue de la République - CS 51108 - 75127 Paris Cedex 11 - FRANCE.

You can also apply online and will receive your insurance certificate by email within minutes.

Mini option application is only available online.

WHAT HAPPENS IF I CHANGE OR CANCEL MY TRIP?

If you cancel your trip, we will refund your premium if you let us know in writing before the effective date of your policy and ifyou return the original of your Membership certificate and your APRIL International card, if you have one.If you decide to cut short your stay and return permanently to your country of nationality, you should send us a registeredletter with proof of receipt enclosing documented evidence of your return home (receipt for payment of electricity, gas ortelephone bill, etc). We will then cancel your policy and refund any premium due.

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Additional servicesto support you throughout your stay abroad

… ONLINE

If you are insured, you can view:your reimbursement advice notes,your cover and general conditions, your personal and bank details.

If you are the member, you can:view your personal details and those of yourinsurance consultant.check your premiums and payment method,pay your premiums online by credit/debit card. THIS PERSONALISED CARD PROVIDES

YOU WITH EMERGENCY CONTACTNUMBERS AVAILABLE 24/7 FOR:

direct payment of hospital charges during hospitalisation for more than 24h,requesting emergency assistance,contacting the counselling service.

The card facilitates your admission to amedical centre in the event of emergencyhospitalisation. To simplify procedures, thecard contains your personal details: name,first name(s) and policy number.

YOUR

INSURANCE CARD

YOUR

PERSONAL

SPACE

SPECIALLY DESIGNED FOR YOUNG PEOPLEABROAD, EXCLUSIVE BENEFITS!

Having trouble understanding a document in a foreign language?A tenancy agreement in German, an employment contract in French or a certificate from your host university in Chinese? Simply ask us for a translation of the administrative or legal documents you need.

Questions about visas, work permits? How to open a bank account abroad?Our multilingual hotline is available to answer all your practical and legal questions.

Your washing machine leaks and causes water damage to the apartment below yours?With your tenant’s liability cover, we will pay for any damage to your neighbour’s apartment.

You cause damage to property during your end-of-studies internship?With the extension of your liability cover to internships, you’re covered if you cause damage to equipment used during yourinternship.

✚Mr MARINI Christophe

Information

www.april-international.fr

Tél : +33 (0)1 73 02 93 93

Magellan

international

APRIL INTERNATIONAL CARES As part of our commitment to protecting theenvironment and improving the living conditions of disadvantaged populationsworldwide, APRIL International is proud tosupport the Foundation for Nature and Mankindand Handicap International.

You can contribute to one of these associationsby donating:- an additional €5, €8 or €12 when paying your

premium or,- the cents from your healthcare reimbursements.

Changing the face of insurance.

FOR MORE INFORMATION, CONTACT YOUR INSURANCE CONSULTANT

Our promiseTop quality management of your insurance choices: applications processed within 24 hours and reimbursement of medical expenses within 48 hoursMultilingual teams at your serviceClear and easy to understand products supported by a range of services

For every expatriate situation, an international insurance solutionWhether you're a student, on an internship, planning a working holiday, in work or retired, travelling alone or withyour family, APRIL International will support you during your time abroad with a range of comprehensive andflexible insurance solutions suitable for all kinds of expatriates and all budgets.

APRIL, changing the face of insurance

APRIL International, specialising in international insurance for more than 35 years

APRIL INTERNATIONAL EXPAT A MEMBER OF APRIL

Headquarters: 110, avenue de la République - CS 51108 - 75127 Paris Cedex 11 - FRANCETel.: +33 (0)1 73 02 93 93 - Fax: +33 (0)1 73 02 93 90E-mail: info@aprilmobilite.com - www.april-international.fr

Public limited company with capital of €200,000 - Registered with Companies House in Paris under number 309 707 727Insurance broker - Registered with ORIAS (Organisation for the registration of insurance brokers) under number 07 008 000(www.orias.fr) - Prudential Supervision Authority - 61, rue Taitbout - 75436 Paris Cedex 09 - FRANCE.

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international

international expat

WORLDWIDEPRESENCE IN 34 COUNTRIES

From our beginnings in 1988, APRIL has been committed to changing the face of the insurance industry by ensuring that the client is always at the heart of our business.

Today, more than 3 million people know they can count on our 3,750 employees and 50 companies to protect their goods and families day after day.

APRIL has earned that trust by providing insurance products that combine a fair price with a reassuringlevel of cover and quality service; proof indeed that insurance is not what it used to be.