Plan Overview Borg Warner Inc. Aetna International Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Plan Overview Borg Warner Inc. Aetna International 2017

Today, we’ll cover: Benefits Overview Member Resources International Member Services CARE Team Medical Services & Payment Options Direct Settlement Facilities Claims Filing Web Tools Aetna Navigator Aetna International Website Mobile Tools Contact Information Questions

Medical Benefits – Inpats Indemnity Plan Key Plan Features Inside the US Outside of the US Deductible Single Family None Coinsurance Out-of-Pocket Max Lifetime Maximum Unlimited Preventive Services Child Wellness up to age 18 years Adult Physical Exam (1 exam per 12 months) 100% PCP/Specialist Office Visits No change No charge Emergency Room Inpatient Hospital Outpatient Hospital Vision Routine Exam (once per 24 months)

Prescription Drugs -Inpats Key Plan Features Inside the US Outside the US Generic No charge Formulary Brand While outside the United States, please submit prescription claims – include both receipt and prescription drug label 365 day maximum supply allowed

How to Utilize Mail Order Pharmacy To fill a prescription BY MAIL ORDER: (shipped to U.S. addresses only):   1. After you’ve filled a 30-day supply of your maintenance drug at your local participating pharmacy, request a prescription for a 90-day supply from your doctor. 2. Visit www.aetnarxhomedelivery.com to access the order form. 3. Complete and mail the form to the address listed along with your prescription and payment.   1-888-RxAetna (888-792-3862) To fill a prescription BY MAIL ORDER: (shipped to addresses outside the U.S. only) 1. Go to www.expatps.com/aetna to determine if your prescription can be delivered to where you are and to see what you will need to place your order. 2. Make sure you have on hand: • Your member ID number and group policy number(both found on your member ID card) • Scanned copies of your prescription that you can upload • Your credit card information to cover any applicable co-insurance or copays 3. Follow the instructions to place your order.   1-855-335-XPAT (9728) or direct 540-283-7520.

Global emergency assistance program Emergency medical evacuation & assistance is built into the medical plan: How to take advantage of your assistance service benefits: Call the Aetna International Service center on the number indicated on your member ID card 100% coverage; $500,000 calendar year maximum Emergency medical evacuation services include: Emergency medical evacuation Return of dependent children Transportation after initial evacuation Confinement off visitation Repatriation of mortal remains Also provides the following: Medical referrals Emergency medication, vaccine, and blood transfers Hospital deposit & emergency cash advance Legal referral assistance Translation

Member resources

CARE TEAM The CARE Team is a team of local Registered Nurses that provide assistance with: Pre-trip planning Worldwide coordination of routine and urgent medical care Obtaining prescription medications Obtaining medical services Coordinating second opinions for complex cases Locating providers and specialists Discharge planning Benefit coordinating Coordination of care for return to home country after assignment completion Clinical Claim review and International Standards of Care Reviews Disease and Maternity Management Aetna International 8

International Member Services Center Our International Member Service Center is available to assist you 24x7. You can get answers to benefits questions, assistance with claims and access to the CARE Team – a team of registered nurses who can provide one‐on‐one support. Multicultural, multilingual support Our service center staff is able to assist you in more than 30 different languages – with access to specialists for other language needs. Global claim processing You can contact the service center for help processing claims in almost any language and more than 100 currencies. One-on-one healthcare support You can call the service center and ask to speak with a CARE nurse to get help with things like pre-trip planning, coordination of routine and urgent care, help locating providers and specialists, benefit coordination and more. If you are not yet enrolled under the Aetna International plan but have ‘general’ questions, you may contact Aetna International member services but make sure you identify yourself as being covered under the Borg Warner Aetna International Plan.

Medical services & payment options

Direct settlement facilities You can access our direct-settlement network for easier admissions and payment. This network includes leading hospitals and clinics throughout the world. And it helps reduce your out-of-pocket costs at the point of service. Here are just a few of the advantages: Easier claim submissions Additional reimbursement and prepayment choices Lower out-of-pocket costs at the point of service Verification of Benefits (VOB) letters sent directly to the treatment facility How to find a facility: Search our list of providers online by logging into your secure member website from www.aetnainternational.com Download our ‘Provider Directory’ app for your smartphone Call our Member Service Center for help 1. Select the provider 2. Request direct settlement via “Find health care” on www.aetnainternational.com or contact Aetna Member Services. 3. If the provider is not on the Aetna International website, you can request one-time direct settlement. Direct- settlement process

Claim reimbursement 1. 2. 3. 4. Reimbursement procedures: Complete the claim form and attach all supporting documentation and receipts. 2. Submit completed claim form and documentation via: fax, mail, email, or online through the Aetna International website www.aetnainternational. com 3. Check status of claims through Aetna Navigator www.aetna navigator.com 4. Complete the Recurring Reimbursement Election (RRE) form to select your method of reimbursement and currency. Note: If you do not complete the RRE form you will always need to complete “Summary of Reimbursement” and “Bank information” section(s) on the claim form in section 5 and 6. Explanations of Benefits (EOBs) will be available on Aetna Navigator within 24 hours of completion of adjudication Claim reimbursements can be made via check, electronic funds transfer (EFT) or wire in over 100 currencies. Reimbursement can be made in a different currency than that used to pay for services. Claims are calculated using the exchange rate on the date of service.

Web tools

Technology that’s not just extremely advanced, it’s extremely useful Aetna believes in the power of technology to enhance health, to make it easier to manage health, and to help lower costs. To these ends, we provide numerous online and mobile tools. Aetna International 14

Aetna Navigator www.aetnanavigator.com = US Website Aetna Navigator® is a secure, online resource that gives you access to personalized benefits and health information. With Aetna Navigator, you can: View and print temporary ID cards Order replacement ID cards Review claim status; download claim history View detailed claim status and Electronic Explanation of Benefits (EOB) statement Obtain claim forms

Aetna International member website –Outside US www. aetnainternational Aetna International member website –Outside US www.aetnainternational.com The secure Aetna International website gives employees access to a wide array of valuable tools and resources: On-line claim submission Multi-lingual capabilities Location based geographic content International physician and hospital search engine Virtual Benefit Assistant Health and security information for most countries Medical terminology and drug translation tools Access to Aetna Navigator Online Wellness Center Answers to frequently asked questions Aetna contact phone numbers and email address Online forms; including claim forms in a variety of languages

How to register at www.aetnainternational.com

Helping members find providers We make it easy. Members can find the locations of nearby network providers in many ways, including our secure member website and our Mobile Provider Directory apps. These regional apps are free and available for both Apple and Android devices. We offer regional apps for: Global expats Europe Middle East Shanghai (in both English and Mandarin) Southeast Asia Latin America (Multi-lingual – English, Spanish and Portuguese) Canada, Hong Kong and China coming soon!

International Mobile Assistant Available free to download from iTunes or Google app store Single login for all members Direct Claim and receipt submission Member ID card (where permissible) Member registration Member profile/benefit display Claim Inquiry and details View claim and explanation of benefits details Find healthcare based on location Access to view the providers on a map and calculate distance to each facility Helpful information of and after an appointment Integration with the user’s calendar to record any appointments made with the provider

Contact Aetna International International Member Service Center Accessible 24 hours a day, 365 days a year. Inquiries (Customer Service Center, CARE Team, and more…) Claim submissions Fax: +1-800-475-8751 (toll-free outside US) +1-859-425-3363 (local inside US) Email: aiservice@aetna.com Mail: Aetna International/Aetna P.O. Box 981543 El Paso, TX 79998-1543 USA Telephone: +1-800-231-7729 (toll-free) +1-813-775-0190 (collect) Email: aiservice@aetna.com Website Addresses: www.AetnaInternational.com www.AetnaNavigator.com