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IN THE EVENT OF AN EMERGENCY: You must call Global Excel Management Inc. (hereinafter called “Global Excel” ) immediately:

From Canada and U.S., call toll free 1-800-336-9224
From anywhere, call collect +819-566-8698

Do not assume that someone will contact Global Excel on your behalf. It remains your responsibility to ensure that Global Excel has been contacted prior to receiving treatment or as soon as reasonably possible. Failure to do so limits benefits to 80% of eligible expenses to a maximum of $25,000 in the event of hospitalization, and to one outpatient consultation per sickness or injury (see Section VI – Limitations and Restrictions of the Policy)