Why buy HTH Business Traveler?

• 15 million international business trips for US residents projected in 2002
• The goals of international business trips can be compromised by sickness and injury
• 1/3 of international business travelers report they, or a business associate, have become ill or injured while traveling overseas
• 35% of international business travelers report that stress levels associated with business travel have increased over the past 5 years
• Strong correlation between frequency of international business travel and higher incidence of respiratory infections, gastrointestinal distress, skin disorders, psychological disorders, back pain
• Only 10% of very frequent international business travelers are under age 35; average age is 47
• International business travelers average 45 nights away per year
• Profiles of reliable healthcare providers abroad are not available to travelers
• Brand names for prescription and over-the-counter drugs vary by country
• Pharmacies vary widely in quality and capabilities
• Emergency telephone numbers vary by country
• Access to reliable healthcare providers abroad is difficult because of language and cultural barriers as well as difficult payment term
• Medical terms and idioms do not always translate literally
• Domestic health insurance plans often cover only emergency care abroad and may not cover emergency evacuation cost
• HTH Interactive Healthcare Resources and insurance programs help international travelers overcome these barriers, allowing business people to identify, access and pay for quality healthcare all around the world
• The HTH Business Traveler program permits members to prepare to travel safely and securely; there is significant value in peace of mind -- even if members never file a claim

Who underwrites the BT product?

The BT product is underwritten by UNICARE Life & Health Insurance Company.

Who provides toll-free medical assistance and emergency evacuation?

The medical assistance and emergency evacuation components of Business Traveler are provided by Worldwide Assistance, the U.S. division of Europ Assistance France, S.A., which pioneered assistance services over 35 years ago and today serves 115 million people worldwide.

How does a covered employee access the HTH Interactive Resources?

To access the tools on the BT site, a covered employee must register online. To do so, the employee visits www.hthbusiness.com and selects "Please sign in" from the top right hand corner of the home page. The employee enters an email address, and when asked if he or she has a password, indicates, "No, I am a New Customer". A new page appears asking for the employee's three-part Company Access Code. The employee enters the code (without dashes) just as it appears on the HTH card provided by his or her benefit administrator or HR professional. The Site Use Agreement then appears. After the employee accepts this Agreement, he or she completes site registration by entering first name and last name, and by selecting a password. The employee then has access to all the site's tools, and through the use of a stored cookie on the employee's computer, will not have to register again. Sign-in with the password selected during the registration is necessary to access certain features such as insurance benefits and claims information.

How many CityHealth Profiles are currently available online?

There are currently over 720 profiles for cities outside the U.S., covering more than 90% of the most common destinations for international business travelers. In addition, HTH profiles more than 380 U.S. destinations.

How many countries are currently represented in the Brand Name Drug Translation Guide?

Members input the name of brand name prescription or over-the-counter medications and receive the locally used brand name and formulation for the country where member is traveling or living. The database currently contains information about more than 340 prescription and over-the-counter drugs in 24 countries/destinations.

How many medical terms are currently represented in the Medical Terms Translation Guide?

Members translate commonly used medical terms (such as hay fever or CAT scan) from their native language into the language of the country where they will be traveling or living. The database currently contains more than 600 commonly used technical and common medical terms in English, French, German, Spanish, Portuguese, Italian, Japanese, Chinese, Arabic and Russian.

How many medical phrases are currently represented in the Medical Phrase Translation Guide?

Members translate phrases used to describe health status or request assistance from their native language into the language of the country where they will be traveling or living. The database currently contains more than 200 commonly used medical phrases in English, French, German, Spanish, Portuguese, Italian, Japanese, Chinese and Russian. Arabic is in development.

How many cities are represented in the Security Profiles?

There are currently 245.