War Risk Coverage Rider

In consideration of the payment of premium calculated in the manner stated in the policy to which the rider is attached, it is hereby agreed that for additional premium the policy is amended as follows: Any Exclusion under this Plan for “declared or undeclared war or any act thereof” is waived for an Insured Person’s loss caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act of declared or undeclared war, subject to the following restriction: The waiver only applies with respect to accidents that occur within the geographic limits or territorial waters of, or airspace above the geographic limits or territorial waters of a Designated War Risk Territory (as defined herein). War Risk Coverage in a high risk country (listed below) requires payment of an additional premium and advance notice of travel. Termination Date- War Risk Coverage ends on the earliest of: (1) the date the Policy terminates; (2) the date specified in the Company’s written notice to the Policyholder or Participating Organization of the Company’s intent to terminate War Risk Coverage (or 10 days after the date the written notice is received by the Policyholder or Participating Organization, if later).Termination of War Risk Coverage will not affect a claim for a covered loss that occurred while War Risk Coverage was in effect.

War Risk Area 2 ( Medium Risk )

(Medium War Risk – coverage is highly recommended – covers your travels to countries in War Risk Areas 2 and 3)

Country Specific Information:

• Armenia
• Azerbaijan
• Bahrain
• Bangladesh
• Bolivia
• Burma
• Burundi
• Central African Republic
• Chad
• Colombia
• Dem. Republic of Congo
• East Timor
• Egypt

• Eritrea
• Haiti
• India (Jammu, Kashmir and Mumbai)
• Indonesia
• Ivory Coast
• Kenya
• Kyrgyzstan
• Lebanon
• Liberia
• Mali
• Mauritania
• Mexico
• Nepal

• Niger
• Oman
• Papua New Guinea
• Philippines
• Qatar
• Sierra Leone
• South Sudan
• Sri Lanka
• Sudan
• Uzbekistan
• Venezuela
• Zimbabwe.