Professional Mariners require a medical program that they can depend on to protect them throughout the world. Regardless of the type of vessel, Mariners require coverage that provides security, flexibility and benefits unique to the demands of today’s Marine Industry. With coverage onboard the vessel and when signed off, you have a true universal policy, created for the Mariner Lifestyle. Sail and travel anywhere with the confidence that you are protected with comprehensive, marine specific coverage providing the safety that you deserve.

Reside Blue is underwritten by Certain Underwriters at Lloyd's, London and is rated A "Excellent" by A.M. Best and an A+ (Strong) rating from Standard and Poors. In addition to being one of the largest insurance entities in the world, Lloyd's has over 300 years of experience in the international insurance business.

The Reside Blue program is available to persons of any country who are at least 15 days of age and who have not yet reached age 75.

All applicants / insured persons must be currently or usually an Employee aboard a sea going vessel and expect to be outside the United States at least 6 months per year. All members must also not be eligible and/or able to secure adequate US domestic health insurance, which provides continuous coverage worldwide. All applicants / insured persons must complete the Declaration of Residence form or provide a non-U.S. resident address.

For U.S. Citizens: All applicants / insured persons must either be outside the United States at the time of application, or must depart the United States within 30 days of the certificate's effective date. In addition, the applicant / insured person must not reside inside the United States greater than 9 months during any given 12-month period to meet the eligibility requirements of an applicant / insured person. Should any applicant / insured person reside in the United States longer than 9 months during any given 12-month period, their coverage shall immediately terminate.

For Non - U.S. Citizens: The applicant / insured person must not reside inside the United States greater than 9 months during any given 12-month period to meet the eligibility requirements of an applicant / insured person. Should any applicant / insured person reside in the United States longer than 9 months during any given 12-month period, their coverage shall immediately terminate.

*It is the insured person’s responsibility to maintain all records regarding travel history, age and student status and provide any documents to the administrator, which would verify the Eligibility Requirements.

The Reside Blue program is annually renewable as long as the eligibility requirements are met and the renewal premium paid. There are no additional medical questions upon renewal. The company cannot single out an individual for cancellation, they can only cancel coverage for an entire class^* of insured persons.

For those who apply for coverage prior to their 65^th birthday and remain continuously insured for ten consecutive years, you will automatically be converted to Reside Blue Senior Provider at age 75 as long as you continue your eligibility status.

* A "Class" is a group of people defined by a common characteristic, including but not limited to demographic group and geographic region.

To apply, all you need to do is complete the application in full and pay the appropriate premium, given your age category and desired deductible amount. Be sure to answer all sections and questions as completely, accurately, and as legibly as possible. The application you complete becomes part of your certificate of coverage should you be accepted. Once the underwriters have had an opportunity to review the application, SRI may request additional information from the applicant. If you are accepted, you will receive an ID Card confirming your effective date and conditions of acceptance, as well as a claim form and a certificate of coverage, which describes the program in complete detail and describes how the insurance can be utilized. If you are ultimately not accepted, SRI will return your premium without delay.

Reside Blue is designed to cover insured persons 24 hours a day, seven days a week, regardless of where in the world they may be located^*. As an international citizen, you will no longer need to purchase multiple insurance programs in order to have seamless protection.

*Coverage in the United States is limited to no greater than 9 months during any 12-month policy period.

The initial period of coverage cannot exceed twelve (12) months. The insured person, however, may apply for renewal of coverage at the renewal rates in force at the time of renewal. The renewal period of coverage may not total more than twelve (12) months. Renewal(s) will be contingent upon the insured person submitting the applicable renewal premiums for their class, as determined by the company. Renewal(s) will also be contingent upon the insured person declaring that they continue to meet the eligibility requirements.

Reside Blue provides maternity and newborn child benefits to eligible insured persons, who are the primary insured or spouse, up to $7500 per pregnancy. A pregnancy must be Pre-Notified during the first 90 days of the pregnancy. Failure to pre-notify a pregnancy will result in a 25% reduction in eligible benefits. The plan does not pay expenses related to a pregnancy within the first 12 months of coverage.

When the insured person travels outside of his/her home country, in addition to the standard benefit, they will be covered for repatriation of mortal remains and emergency medical reunion coverage.

When a parent remains eligible for coverage and the pregnancy is considered an eligible pregnancy, newborn children are automatically covered for the first thirty one (31) days after birth. In no event shall the company’s maximum liability exceed the maximum stated in the schedule of benefits, as to eligible benefits during the first thirty one (31) days following birth for newborn coverage and treatment.

In order to continue coverage beyond the first thirty one (31) days and be accepted as any other new insured person subject to the insurance provisions, scope of coverage and exclusions sections of this certificate or other sections relating to a newborn child up to the maximum amount of this certificate the following conditions must be met: (1) An application and any applicable premium is submitted and approved by the company within thirty one (31) days of the birth of a newborn child(ren); (2) The pregnancy which led to the birth of a newborn child was an eligible pregnancy covered under this certificate; (3) That the mother of the newborn child remain covered under this certificate; (4) The mother and newborn child meet and will continue to meet the eligibility requirements of this certificate.

Pre-existing conditions:

If an existing condition is fully and accurately disclosed on the application, and the condition is not excluded or restricted by a rider, your pre-existing condition will be covered up to a lifetime maximum of $50,000 ($5,000 limit per year) after you have been continuously insured for 24 months.

Pre-existing conditions are any Injury or illness which meet the following criteria: 1) A condition that would have caused a person to seek medical advice, diagnosis, care or treatment prior to the effective date of coverage under this certificate; 2) A condition for which manifestation, medical advice, diagnosis, care or treatment (including medication) was recommended or received prior to the effective date of coverage under this certificate; 3) Expenses for pregnancy within twelve (12) months of the effective date of coverage under this certificate.

Charges for treatment of the following illnesses or surgeries, which manifest themselves or are recommended, or symptoms occur during the first 180 days of coverage hereunder beginning on the initial effective date: any condition of the breast, any condition of the prostate, disorders of the reproductive system, gall stones or kidney stones, any acne diagnosis or acne related condition, or any surgery that is not emergency in nature, as emergency is defined hereunder. Note: coverage for such illnesses or surgeries may be further limited under the pre-existing condition exclusion and definition contained herein, or other exclusions contained herein; and

The following conditions, treatments, supplies, services, and/or expenses are not covered:
(This is a summary of the exclusions contained in the certificate of coverage.)

• Pre-existing conditions as defined above.
• Claims not presented to company within ninety (90) days following incident.
• Treatment not medically necessary, treatment which exceeds reasonable and customary charges, treatment provided at no cost to the Insured Person, or treatment performed by a relative or anyone who lives with the insured person.
• Experimental treatment.
• Suicide or any attempted suicide.
• War or warlike operations.
• Injury in organized, professional, amateur, or interscholastic athletics(except as otherwise covered)
• Routine physicals or procedures.
• Treatment of temporomandibular joint.
• Vocational, speech, recreational or music therapy.
• Cosmetic surgery except as a result of a covered accident.
• Dental or eye treatment unless otherwise covered.
• Injuries as a result of disablement due to liquor or drugs.
• Telephone consultations.
• Treatment or services relating to custodial, rehabilitative, or nursing home care.
• Congenital conditions.
• Non-medical expenses.
• Self-inflicted injury or illness.
• Expenses in connection with the commission or attempt of a criminal offense.
• Injury while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing, scuba diving (unless PADI, NAUI, YMCA, SSI or PDIC certified (see certificate for details).
• Treatment of venereal or sexually transmitted disease.
• Treatment due to HIV or AIDS.
• Drug treatment relating to infertility.

This brochure is only a brief description of Reside Blue. A complete description of the master policy provisions and benefits is contained in the certificate of insurance, which will be mailed to you once your application and premium have been received and approved by SRI.

So that you receive the best care possible, Reside Blue requires that the insured person (or someone on the insured person's behalf) contact SRI Assist for notification prior to all hospital admissions worldwide and any medical expenses incurred within the United States. The methods of contacting SRI Assist will appear on the back of your ID Card. SRI Assist will also be able to assist you in locating the approved SRI medical care providers in the United States.

Utilize an approved PPO Service Provider within the United States

Services and treatment in the United States must be received at an approved PPO service provider facility, if one exists within a 50-mile radius of where the insured person is located. To obtain a list of approved PPO service providers contact the administrator or visit the approved PPO service provider web site at: Provider Directory.

If Services and treatment eligible for coverage under this certificate are received directly from an approved PPO service provider while the insured person is in the United States: (a) the Company will reduce by 50% any part of the deductible applicable to such eligible benefits, and (b) the company will waive any and all coinsurance applicable to such eligible benefits.

Failure to follow the pre-notification program and to utilize an approved PPO service provider will result in a 25% reduction of the eligible benefits stated in the schedule of benefits.

It is important to note that Reside Blue is a program for international citizens and Lloyd's is an international entity. Thus, Lloyd's operates as an unauthorized insurer in most U.S. states. Coverage and benefits under Reside Blue are not regulated by any U.S. state insurance department.

The information concerning Reside Blue is not intended to be an offer to sell Reside Blue or a solicitation by Specialty Risk International, Inc or Lloyd's, London in any jurisdiction where such an action would be unlawful or in which SRI or Lloyd's, London is not qualified to do so. Reside Blue may not be available in all situations or jurisdictions. For U.S. citizens, Reside Blue is intended for persons living or traveling outside the United States.

When Unpronounceable Diseases Occur In Unpronounceable Countries
SRI Assist is a leading provider of customized emergency assistance services to international organizations, corporations, government entities, insurance companies, and individual travelers. Regardless of the location, SRI Assist provides valuable assistance in locating the best possible medical treatment.

Foreign Country – Familiar Service
In today’s world, companies and international citizens must operate in strange lands and challenging environments. In some situations, individuals must travel to developing regions where the quality of care is in question.

Quality of Care
With access to a network of emergency room physicians, SRI Assist is able to effectively evaluate the quality of care available locally. The SRI assist physician will consult with the attending physician (if available) to review local standards and discuss the proposed course of treatment. Should the quality of care be in question, SRI Assist arranges medical transportation to a location where appropriate care is available.

Properly serving the medical needs of international citizens requires specialization. Most companies are not prepared to meet the unique needs of these customers. An organization must be equipped to address foreign currencies, international doctors and hospitals, as well as unusual claim forms and documents. The Reside Blue Medical Plan is administered worldwide by SRI Administrators, Inc. The professionals at SRI Administrators have over 150 years of experience in claim processing and administration. SRI currently serves the needs of thousands of policyholders throughout the world.

Since 1993, Specialty Risk International, Inc. (SRI) has provided international insurance plans to private citizens, governments, missionaries, students, and corporations of various nations around the globe. As a premier underwriter, SRI has had the opportunity to provide innovative solutions to unique and challenging situations.

SRI's claims professionals are experienced in the complexity of processing international medical expenses. As an insured of SRI, you can feel confident that there is someone ready to assist you with a medical situation 24 hours a day, 365 days a year.

SRI’s other services include; proficient administration, responsive underwriting, and access to secure insurance carriers with medical care providers worldwide.

* The Dependent Child Premium is only available when one parent (legal guardian), of a natural or legally adopted unmarried child over 14 days old and under 19 years of age (or under 24 years of age if attending a university full-time and must rely on parents for support), is also covered under the same program. No premium is charged for the first two (2) Dependent Children between the ages of 14 days and 9 years old if both parents are also covered under the same program.

If the Applicant desires to pay premiums on a Semi-Annual, Quarterly or Monthly basis, they must do so by credit card payment only. SRI will automatically debit the credit card on the due date of the premium installment. The Premium Installment Factors to be applied to the Annual Premium are as follows:

Annual 1.00 / Semi-Annual 0.55 / Quarterly 0.28 / Monthly 0.10

IMPORTANT NOTICE:
The premiums referenced above are applicable for the initial 12-month coverage period, only after the Applicant has been accepted by SRI. SRI reserves the right to increase the stated premiums based upon the Applicant's medical condition at the time of application and underwriting. Applicants with chronic and/or severe medical conditions may be declined. At each renewal period, SRI will inform the Applicant of the renewal premium for each subsequent coverage period based upon the Applicant's age and deductible category.

Attention Applicants: Certain Underwriters at Lloyd's, London, operates as an approved Surplus Lines market in the United States. The premiums listed above include a general Surplus Lines Tax. Your State of Residence may warrant an additional Surplus Lines Tax, Stamping Fees and administration fee. Upon receipt and review of your application, SRI will inform you if additional Surplus Lines Taxes and fees will apply. If so, SRI will request the payment of the additional Surplus Lines Taxes and fees from you prior to issuing coverage. The additional Surplus Lines Taxes and fees shall be listed on the declaration page of your policy.