1. HCC Medical Insurance Services A subsidiary of HCC Insurance Holdings, Inc. StudentSecure ® June 2, 2015

2. HCC Medical Insurance Services Table of Contents About………………………………………………3 Eligibility…………………………………………...5 Benefits……………………………………………14 Emergency & Travel benefits……………………18 Coverage…………………………………………..21 2

3. HCC Medical Insurance Services About HCCMIS 3 HCC Medical Insurance Services LLC (HCCMIS), headquartered in Indianapolis, Indiana, is a full-service company offering international medical insurance and short-term medical insurance products designed to meet needs of consumers worldwide.

4. HCC Medical Insurance Services Why Choose StudentSecure? StudentSecure provides protection for study outside of the student’s home country. 4

5. HCC Medical Insurance Services Why Choose StudentSecure? Specifically designed to meet the needs of international students and scholars. 5

6. HCC Medical Insurance Services Who Would Benefit From a StudentSecure Plan? 6  F1 Visa Holders U.S. Students studying abroad   Full-time students and scholars Foreign students studying in the U.S. 

7. HCC Medical Insurance Services Full-time Students and Scholars Study Abroad Teach Abroad Graduate Student Study Abroad 7

8. HCC Medical Insurance Services Who is Eligible? Up to age 65 Full time student at college/university; or A student under age 19 enrolled in a secondary school; or 30 hours of research/week with an educational institution or; F1 or J1 Visa holder within the U.S. Residing outside home country to pursue international educational activities Must not be resident of host country 8

9. HCC Medical Insurance Services International Students Studying in the U.S. Meets or exceeds U.S. government student visa requirements. 9

10. HCC Medical Insurance Services F-1 Visa Requirements 10 F-1 Visa Coverage of prescription drugsInpatient hospitalizationU.S. PPO NetworkMonthly payments80% Coinsurance within the PPO networkCoverage for maternity

11. HCC Medical Insurance Services J-1 Visa Requirements 11 RequirementsStudentSecure Medical benefits of at least $100,000 per accident or illness Coverage from $100,000 to $500,000 per accident/illness Repatriation of remains in the amount of $25,000$25,000-$50,000 Medical evacuation of exchange visitor to his/her home country in the amount of $50,000 $50,000 -$500,000 Deductible not to exceed $500 per accident or illness Deductible range from $25 to $100 Medical benefits of at least $100,000 per accident or illness Repatriation of remains in the amount of $25,000 Deductible not to exceed $500 per accident or illness Medical evacuation of exchange visitor to his/her home country in the amount of $50,000 J1

12. HCC Medical Insurance Services StudentSecure Coverage Options Four plans: StudentSecure Elite StudentSecure Select StudentSecure Budget StudentSecure Smart 12

13. HCC Medical Insurance Services Key Benefits of a StudentSecure ® Insurance Plan SummaryEliteSelectBudgetSmart Maximum medical benefit $500,000$300,000$250,000$200,000 Meets student visa requirements Yes Pre-existing condition coverage Yes, after six months Yes, after twelve months Only for the acute onset of a pre- existing condition Intercollegiate, interscholastic, intramural or club sports Yes, $5,000 per injury Yes, $3,000 per injury No coverage Emergency Medical Evacuation Coverage Yes 13

14. HCC Medical Insurance Services Coverage Details 14 Coverage DetailsEliteSelectBudgetSmart Deductible $25 per incident for In- network, Outside U.S. or at the Student Health Center $50 Out of Network $100 for ER $45 per incident for In- network, Outside U.S. or at the Student Health Center $90 Out of Network $350 for ER $50 per injury or illness within the PPO or Outside the U.S.; $100 Out of Network $350 for ER Coinsurance incurred in the U.S. Coinsurance incurred outside the U.S. In-network: 100% to certificate maximum Outside network 80% of next $5,000. Then 100% to certificate maximum 80% of next $5,000. Then 100% to certificate maximum 80% of next $25,000. Then 100% to certificate maximum 80% to certificate maximum $25 per incident for In- network, Outside U.S. or at the Student Health Center $50 Out of Network $100 for ER

15. HCC Medical Insurance Services Medical Benefits Medical benefitsElite SelectBudgetSmart Hospital Room & Board Included Local AmbulanceUp to $750 if admitted Up to $500 if admittedUp to $300 if admitted Intensive Care UnitIncluded Doctor's Office VisitIncluded Prescription Medication 80% of Actual Charge50% of Actual Charge Mental Health Outpatient: 80% within PPO, 60% out of PPO Inpatient: 80% within PPO, 60% out of PPO Mental Health (Inpatient & Outpatient): 80% in network, 60% out of network Outpatient - $50 per day, with a $500 lifetime Inpatient - $10,000 maximum Outpatient - $50 per day with a $500 lifetime maximum Inpatient - $5,000 maximum Physical Therapy/ Chiropractic Care $75 per day$50 per day $25 per day 15

16. HCC Medical Insurance Services Medical Benefits Medical benefitsEliteSelectBudgetSmart Dental $250 per tooth $500 Maximum for accidents $100 maximum for pain Not covered Maternity Care 80% inside PPO 60% outside of PPO 80% inside PPO 60% outside of PPO 80% inside PPO 60% outside of PPO up to $5,000 maximum Not covered Newborn Care$750 Maximum $250 MaximumNot covered Therapeutic Termination of Pregnancy $500 Maximum Not covered 16

17. HCC Medical Insurance Services Emergency Medical & Travel Benefits 17 EmergencyEliteSelectBudgetSmart Emergency Evacuation $500,000$300,000$250,000$50,000 Emergency Reunion$5,000 $1,000 Repatriation of Remains $50,000$25,000 Terrorism$50,000 Maximum No Coverage Accidental Death and Dismemberment $25,000 Not Covered Personal Liability$250,000Not Covered

18. HCC Medical Insurance Services Travel Assistant Services 18 HCC offers a full set of free, valuable travel and medical assistant services for international travel http://www.hccmis.com/travel-assistance-services/ 24/7 Customer Service Lost Passport/ Travel Documents Weather Alerts Medical Monitoring Click link for full list

19. HCC Medical Insurance Services Other Coverage Information 19

20. HCC Medical Insurance Services Incidental Home Country Coverage StudentSecure provides 15 days of incidental trips home for every 3 months of coverage purchased. 20

21. HCC Medical Insurance Services Benefit Period Up to 60 days beginning the first day of diagnosis or treatment of a covered injury or illness. 21

22. HCC Medical Insurance Services Extending or Renewing Coverage Policies may be extended up to 12 months. Coverage may be renewed as long as eligibility requirements continue to be met. After 4 years of continuous coverage or any break in coverage, a new plan must be purchased. 22

23. HCC Medical Insurance Services Cancellations & Refunds 23 Member is eligible for a full refund if the request to cancel is received prior to the effective date. Cancellation after the effective date: A $25 cancellation fee will apply Only premium for unused whole-months of the plan will be refunded Only members who have no claims are eligible for premium refund After 60 days, no refunds are granted

24. HCC Medical Insurance Services Self-Service: StudentZone 24 Change personal information Renew coverage Obtain details about claim filing, including downloading necessary forms Pre-certify for certain medical procedures and hospitalizations Replace a lost ID card Locate doctors and hospitals within the PPO Network Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS) Access health and wellness information View and download brochures, obtain policy information, or get quotes for other products offered by HCCMIS