| • | The group member must be actively engaged or participating in an educational or cultural exchange program in the country of assignment through a sponsoring organisation or school. |
| • | The group member and his/her dependents traveling with the group must have legally departed the Home Country and entered the Host Country and must not be a citizen of the Host Country. |
| • | This insurance is not available to non-US citizens who are residing in New York, California or Florida at the time of application. However, this restriction will not apply when the Effective Date coincides with or is subsequent to the applicant's departure date. |
