PLEASE ALSO SEE SECTION ON "CLAIMS" BELOW

GEOS SAR TERMS AND CONDITIONS

MEMBER BENEFIT LEVEL

For additional necessary and reasonable search and rescue (SAR) expenses (including helicopter with prior approval from the GEOS IERCC), up to US$100,000 per subscriber in any 12 month period with a limit of US$50,000 for any one claim by a member who summons 911 assistance as a result of an accident or other life threatening circumstance by activating their Globalstar SPOT device. See Note below.

This entitlement extends for a period not exceeding 72 hours from the time of the call for assistance, which is necessary to prevent further injury or illness or danger to human life as a result of an unforeseeable emergency where the appropriate rescue authorities recommend the dispatch of a Search and Rescue team, and such dispatch is further authorised and provided through the GEOS International Emergency Response Coordination Center (IERCC).

The GEOS SAR entitlement extends to:

North America		Europe
Canada		All European Union
USA		Switzerland
Mexico		Norway
South America		SE Asia & Australasia
Argentina		Australia
Brazil		Hong Kong (SAR)
Chile		Indonesia
Ecuador		Japan
Guatemala		Korea (South)
Peru		Malaysia
		New Zealand
		Singapore

Entitlement will be extended to other geographic locations subject to acceptance by the GEOS Underwriters in writing, which will be provided after the application has been made, and if refused all premiums paid will be refunded.

The following geographic locations are excluded: -

-  North, Central or West Africa
-  Middle East, Iraq Iran and Afghanistan
-  Russia

EXCLUSIONS

The entitlement will not apply in the following circumstances: -

-  Circumstances which could have reasonably been anticipated at the date the trip began
    e.g. forecast of adverse weather conditions
-  Emergency caused by inadequate provision or training or competence needed to complete the planned trip
-  Cost incurred due to a pre existing or chronic condition or mental disorder of the member including self-harm
   or suicide attempt.
-  Emergency caused by any natural climate disaster
-  Any cost incurred to emergency arising from riots, civil unrest or conflict including civil wars or kidnaps or any
   Biological, Nuclear or Chemical events
-  Any costs arising from the crash of any private aircraft or any aircraft that has not been authorised as an airline
   by the relevant Aviation Authority.
-  Cost incurred by any member participating in any war or military action
-  Costs arising from any illegal use of a weapon
-  Accidents arising from sky diving without a qualified guide or sky surfing with or without a motor vehicle
-  Accidents arising from hang gliding or paragliding
-  Where any accident, injury or illness arises from the use of drugs or alcohol
-  Costs covered by any other insurance policy of your own or;
-  For any incident caused by a third party where costs can be recovered from that third party

NOTE: The GEOS International Emergency Response Coordination Center (IERCC) will not refuse to call out additional emergency response services when advised by ‘first responders’ that such additional services will be necessary. In such cases where a Member activates their 911 signal for an emergency and it later transpires that the additional rescue service was not required or covered by the terms and conditions of the Search and Rescue Benefit cover, the member will be liable for the whole cost.

PLEASE NOTE The member must first claim against their existing Medical Insurance. The GEOS Membership Search and Rescue entitlement is for any additional costs incurred or those costs not covered by existing medical cover.

All claims for reimbursement under the Members Search & Rescue Benefit are dealt with by our Underwriters
and their decision is final.

GEOS SAR is a prepaid private Search and Rescue membership program and is not an insurance plan, travel insurance policy nor a healthcare plan and, therefore, GEOS will not reimburse members for expenses they incur on their own.

CLAIMS

-   Claims should be made direct through the GEOS Members web site which can be accessed using the user name and
   password provided to you for access to the GEOS Members site
-   All claims are dealt with by the GEOS Underwriters at Lloyds of London.
-   To support claims the member must provide a signed ‘Release’ for the disclosure to Geos by the medical aid provider
   of all medical services, and treatment, provided in relation to the incident and full details of any other Insurance cover
   held.