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Michelin Global Mobility (MGM)Health Care PlanEmployees Benefits GuideAs a salaried staff member in international mobility, you benefit from the "Healthcare costs" coverage subscribed byCompany Michelin Global Mobility (MGM), hereinafter referred to as the Subscriber Company, with AWP Health & Life SAunder No. 080557/500.The terms and conditions for the implementation of guarantees and the details of benefits to which you are entitled witheffect from 1 January 2017 are defined in this Employees Benefits Guide.MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 1/18
GENERALAFFILIATIONThe salaried staff members in international mobility of MGM S.A. defined in this benefit guide are affiliated. Since these staffmembers have different typologies, in particular with regard to obligations relating to their social protection, they are dividedinto categories with corresponding coverage matching their status.- Category A: expatriates, irrespective of their country of origin, assigned to the following countries: USA, Canada, Mexico,Singapore, Brazil- Category B: expatriates, irrespective of their country of origin, assigned outside the following countries: USA, Canada,Mexico, Singapore, China, United Arab Emirates, Brazil- Category C: seconded employees, nationals of a Member State of the European Union who are employed in a MemberState of the European Union.- Category D: seconded employees, nationals of a Member State of the European Union who are posted in France.- Category E: seconded employees, nationals of a Member State of the European Union who are employed in a countrywhich is not member of the European Union- Category F: seconded employees, nationals of non-European Union countries who are posted in a country that is notmember of the European Union- Category G: seconded employees, nationals of a non-European Union Member State who are posted in a Member State ofthe European Union- Category H: seconded employees, regardless of their country of origin, assigned to the USA or Canada- Category I: seconded employees, nationals of a non-member country of the European Union posted in France.- Category J: employees in international mobility who have concluded their employment contract with a company in theMichelin Group in France (Manufacture Française des Pneumatiques Michelin, Michelin Travel Partner, Euromaster ServicesManagement, Euromaster France) or in Belgium (S.A. Michelin Belux N.V) and posted in France or Belgium. Theseemployees, who are affiliated by MGM acting on behalf of the above-mentioned French or Belgian companies, are alsoinsured under the supplementary health care contract of the Mutuelle Nationale du Personnel of the Michelinestablishments in France and a mutual insurance company of their choice in Belgium.Only those employees in international mobility who are not residents of Switzerland may be affiliated by the insurancecontract.Members of the category of employees to be insured must, at the time of their affiliation, complete and sign an IndividualAffiliate Application provided by the Insurer, mentioning the beneficiaries to be insured.The Insurer reserves the right to subordinate their acceptance to the production of any additional information he deemsnecessary.Except in case of unwillingness, omission or false or inaccurate statement made in bad faith, the Insured once admitted,cannot be excluded from the Insurance against his will as long as he is part of the category of staff to be insured, subject toprovisions of Article L 141-3 of the French Insurance Code.BENEFICIARIES OF GUARANTEESo Beneficiaries as of rightThe Insured and their family members designated below: The spouse.In the absence of a spouse, the partner bound by a civil solidarity pact (PACS).In the absence of a spouse or partner bound by a PACS, the declared cohabitant.MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 2/18
The term "cohabitant" means a person living in a conjugal relationship with the Insured and who fulfils with the Insured thefollowing two cumulative conditions: That they are both free of marital ties That the cohabitation was declared by the Insured at the time of his affiliation with the production of a certificateattesting to this situation.If the declaration of cohabitation is subsequent to the date of affiliation of the insured person, the person is taken intoaccount as a cohabitant only after a period of 6 months. This period is not necessary if a child born of this union is thedependent of the affiliate. The cessation of the state of concubinage must be declared in writing by the affiliate.Only one person will be covered as beneficiary in this regard. The unmarried children of the Insured and those of his/her spouse (or partner of PACS, or his or her cohabiting partner)living under the Insured's roof, whether legitimate, recognised, adopted or sponsored when fiscally dependent on theInsured: The children of the Insured and/or those of his spouse, under the age of 21 The children of the Insured and if they live at home, those of his spouse, under the age of 23If they are pursuing higher education (a certificate of schooling will be required). Studentsreaching their 23rd birthday will be covered until the end of the school year if their anniversary date is after the start of theschool year to be covered The disabled children of the Insured over 21 years of age, with the approval of the Company at the time of theInsured's departure abroad The persons designated as beneficiaries by the Company, with the prior agreement of the Insurero Optional beneficiaries (beneficiaries 23-26 years old)Subject to the payment of corresponding premium in addition to the insurance premium for the insured category, thebeneficiaries of the insured person aged between 23 and 26 may also benefit from the guarantees; these persons:- Either continue their studies in a country other than that in which their parents are located- Or, are not students and do not yet workEFFECT OF GUARANTEESWhen the contract takes effect, the guarantees are effective for each member of the salaried staff who assumes the status ofInsured on the following dates:Employees affiliated when the contract takes effect: As of the latter dateEmployees affiliated after the effective date of the contract:- On his date of entry into the category of salaried staff to be insured if his Individual Affiliate Application is receivedwithin 15 days of the latter date. It is understood that by way of exception in the event of a declaration subsequent tothe Individual Affiliate Application for regularisation, the guarantees are then deemed to have taken effect on the dateof entry in the category of personnel to the insured as declared by the Company.It is understood that by exception the declaration can intervene after this period for regularisation, however the Companyundertakes to communicate the new affiliations to the Insurer at the latest one month following the date on which theCompany became aware of this new affiliation,- on the date of receipt of this request, otherwise.The guarantees in favour of members of the family defined in this Guide take effect at the same time as those in favour ofthe Insured or, as soon as the persons concerned meet the conditions that are applicable.MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 3/18
DURATION OF GUARANTEESExcept in case of unwillingness, omission or false or inaccurate statement made in bad faith, the Insured once admitted,cannot be excluded from the Insurance against his will as long as he belongs to the category of salaried staff to be insuredsubject to provisions of Article L.141-3 of the French Insurance Code.The guarantees cease in any event:For each Insured: As soon as he ceases to belong to the category of salaried staff to which the insurance contract applies Or, on the date of award of an old-age pension or benefits from any collective pension scheme or a pension forincapacity for work from the French Social Security or its local equivalent Or, at the latest on the day of his 70th birthday.For all insured persons belonging to the aforementioned category of staff: On the date of termination of the insurance contractIn the event of suspension of the employment contract for any cause other than annual paid holidays, sickness, accident,maternity or paternity, the guarantees are themselves suspended during the same period and with the same effects as thecessation. However, the Insurer may, at the request of the Subscribing Company, draw up an amendment to keep theemployees concerned benefiting from the guarantees under the same conditions as for other employees, in particular asregards the payment of contributions.The guarantees for the benefit of the members of the family defined in this Guide cease (or are suspended) at the sametime as those of the Insured, except in the cases of maintenance mentioned hereunder.The cessation (or suspension) of the guarantees entails, for both the insured person and his family members, thecancellation of right to benefits for all acts and care administered from the date of cessation, even if they have commencedor were prescribed before that date.MAINTENANCE OF GUARANTEESAs an exception to the provisions concerning the cessation of guarantees, insured persons and/or their dependents may begranted a guarantee for a fixed period and under the conditions set out in Appendices I to V to this Guide.The maintenance of guarantees defined in the Appendix are also granted under the same conditions to employees andbeneficiaries insured under contract No. DC364317 subscribed by Michelin AIM FZE with Dubai Insurance Company (DIC),under the contract subscribed by Michelin China Investment Co Ltd with Allianz China Life and the contract subscribed byMichelin Global Mobility S.A. (MGM S.A.) with Helsana Insurance Company Ltd.GUARANTEES AND BENEFITSEXPATRIATION AND COVERAGE AREAExpenses are refundable when they were incurred in the following coverage area: country of expatriation or secondment orcountry of origin of the Insured: In another country:MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 4/18
--In the case of a journey lasting less than seven weeks, for expenses incurred as the result of an accident or illness of anemergency nature as defined in this Guide provided that the treatment has been administered by a general practitioneror specialist or that the hospitalisation was necessitated by the direct cause of the emergency and that it interveneswithin twenty-four hours,In other cases, with the specific approval of the Insurer.COVERAGE SCHEMESThe guarantee consists of reimbursing the medical expenses incurred by the Insured according to the coverage schemegranted for each insured category.The three coverage schemes proposed under the contract are as follows:1/ Coverage “from the first euro": the coverage starts from the first euro of expenditure incurred.Categories benefiting from the "1st euro" coverage are the categories A, B, C and D as defined in this Guide.2/ Coverage "LAMal supplement": the benefits are provided in addition to the basic insurance provided by the Swiss FederalHealth Insurance Act (LAMal)The categories benefiting from the ”LAMal supplement” coverage are categories E, F, G, H and I as defined in this Guide.3/ “Extra-supplementary" coverage: the benefits are in addition to supplementary Healthcare cost contracts subscribed bythe companies of the Michelin Group in France and Belgium.The category benefiting from the “extra-supplementary" coverage is the category J as defined in this Guide.SICKNESS - SURGERY – MATERNITY GUARANTEEThe guarantee consists in reimbursing the expenses incurred by the Insured.The care administered must be recognised by local medical authorities and provided by practitioners practising within thescope of their approval (in compliance with the laws, regulations or other provisions concerning the practice of theprofession in the country concerned).If one of the beneficiaries of the Insured is covered by a French Social Security scheme or equivalent, the benefits concerninghim will be deducted from the benefits received from this organisation.If the spouse (or partner of PACS or cohabitant) is himself/herself an employee, the benefits paid by the Insurer are inaddition to those of any Healthcare Plan from which he/she can benefit personally.It is stipulated that in case of hospitalisation, the expenses relating to: Medical hospitalisation in a public or private institution Hospitalisation and surgery. Acts performed under general anaesthesia or surgery for trauma and surgical proceduresperformed under local anaesthesia are deemed to be surgery The related medical and paramedical expenses incurred in connection with hospitalisation The transport of the patient.Transport is covered within the same country in the case of hospitalisation between the patient's residence or the place ofthe accident and the nearest hospital situated in the same country.If the condition of the patient requires his subsequent transfer from the receiving institution to another nearest facility, thesetransport costs are also covered.For any hospitalisation, prior authorisation from the Insurer is required, except in cases of emergency as defined in this GuideIn other cases, the guarantees are defined in the table of guarantees.MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 5/18
AMOUNT OF BENEFITSAll insured persons under the contract benefit from an identical level of reimbursement of their medical expenses, howeverthe level of intervention of the insurer depends on the coverage scheme of the Insured.The three coverage schemes proposed under the contract are as follows:1/ Coverage “from the first euro": the coverage starts from the first euro of expenditure incurred.Categories benefiting from the "1st euro" coverage are the categories A, B, C and D as defined in this Guide.2/ Coverage "LAMal supplement": the benefits are provided in addition to the basic insurance provided by the Swiss FederalHealth Insurance Act (LAMal) and their allocation is subject to coverage (or eligibility for coverage) and the declaration ofthe healthcare costs incurred to the organisations covering by these funds for the healthcare expenses incurred.The categories benefiting from the " LAMal Supplement" coverage are categories E, F, G, H and I as defined in this Guide.3/ “Extra-supplementary" coverage: the benefits are in addition to supplementary Healthcare cost contracts subscribed bythe companies of the Michelin Group in France and Belgium and their attribution is subject to assumption (or eligibility forassumption) under these contracts.The category benefiting from the “extra-supplementary" coverage is the category J as defined in this Guide.Reimbursements of medical expenses shall be made in EURO within the limits of maxima indicatedbelow in the Table of Guarantees per insured person, per calendar year and up to the actual cost.The amount of benefits shall be determined for each expense item within the reasonable and usual limits and in accordancewith the terms and conditions set out in this contract.Reasonableness or habitualness is assessed according to the medical practice prevailing in the country where the care isprovided (type of treatment, quality of care and equipment, geographical area and country) and is subject to coding andpricing standards of acts and treatments referenced or nomenclatured in each country.The unreasonable and unusual nature may therefore lead to a refusal to cover or a limitation of the amount of thereimbursement.MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 6/18
Table of GuaranteesREIMBURSEMENT/COVERAGE Medical or surgical hospitalisation (including less than 24h)The hospitalisation guarantee covers all day hospitalisations, excluding minor surgery.Fees - Expenses on stay - Hospital Expenses100% of actual costsExtra for private room60 per day within the limit of 21 daysAccompanying bed for children under 12 years50 per day within the limit of 21 daysAmbulance transport and rescue costs for100% of actual costs within the limit of 3 300 per yearhospitalisation entitling to benefitsRestorative surgery following an accident100% of actual costsConvalescent home following hospitalisation or100% of actual costs for a maximum of 60 days peraccidentbeneficiary per year100% of the actual costs if medically justified, within theStay of a child in a health facilitylimit of 30 days Current medical expensesIndividual contribution capped at 1 000 per family per yearConsultations, visitsOutpatient surgeryPharmacyAnalyses - Biology and RadiologyMedical auxiliariesOsteopathy, chiropractic, acupuncture, homeopathy85% of actual costs85% of actual costs85% of actual costs85% of actual costs85% of actual costs50% of actual costs up to a maximum of 8 sessions (allspecialties included) per beneficiary per year Preventive medicineVaccines and preventive medicinesCheck-up100% of actual costs if mandatory or prescribed100% of actual costs up to 1000 every 2 years perbeneficiary Dental careConservative and surgical careDental prostheses (including temporary prostheses),dental implantsOrthodontics (children under 18 years)85% of actual costs up to 2,700 per beneficiary per year70% of actual costs up to 500 per tooth plus 500 perimplant per tooth without exceeding 2,700 perbeneficiary per year85% of the actual costs, up to a maximum of 5,000 perchild over the duration of the contract OpticsGlasses, lenses, framesOperation of myopia by laser70% of actual costs up to 500 per beneficiary per year50% of actual costs within the limit of 700 per eye Medical orthoses and other prostheses85% of actual costs MaternityDeliveryIVF100% of actual costs up to 12,000 (unless otherwisespecified) - Limited to 15,000 for the USA85% of actual costs up to 1,250 per attempt (maximum 3attempts) Psychiatry/detoxificationHospitalisation, stay in private institution for mental andnervous diseasesOut-of-hospital care1 Coverage of Long Term Diseases1100% of actual costs within the limit of 30 days for theduration of the contract85% of actual costs up to 1,000 per beneficiary per year100% of actual costsLong Term Disease covered under the insurance contract are listed in Appendix VMGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 7/18
EXCLUDED RISKSExpenses incurred shall not be covered by the Insurer if they result from: The consequences of a war civil or not, insurrection, riot, attack or civil commotion or acts ofterrorism, regardless of where these events take place and the protagonists involved, unless theinsured person does not take an active part in the event, or if he is called to perform a maintenance orsurveillance task for maintaining the security of persons and property on behalf of the Company.The Insurer reserves the right to amend the guarantees in one or more territory or territories, subject tofifteen days' notice to the Company. It may refuse this amendment and cancel the contract by sending theInsurer a registered letter with acknowledgement of receipt within a period of thirty days from the date ofreceipt of the Amendment sent by the Insurer. The termination takes effect on the first day of the calendarquarter following the notification of refusal.EXCLUDED BENEFITSIt is specified that the following are not covered by the contract: Acts performed by a person who does not have the required diplomasCare not prescribed by a physician or unnecessary from a medical standpointActs not included in the nomenclature of the local general scheme, with the exception treatmentsand acts covered by the present contractTreatment for mental disorders (psychoanalytic, psychological treatments, etc.) withthe exception of psychotherapy treatments performed by a psychiatrist and byprior approval of the Medical CommitteeThe cost of aesthetic (or similar) treatment of any origin and nature,except in special cases (following an accident occurring during the insurance period of the insurancecontract) which have been the subject of a prior written agreement of the insurer, and under theconditions and limits stipulated thereinExpenses incurred prior to the effective date and after the date of termination of guaranteesNon-prescription drugs and non-medicinal products in common use such as medical alcohol,hydrophilic cotton, sunscreens, dental hygiene products, dressings, shampoos.Ancillary costs such as telephone in case of hospitalisationSumptuous, unreasonable or unusual costsAccommodation and treatment costs for a stay in a nursing home and/orconvalescence when the stay follows a hospitalisation of less than 8 daysThe costs of accommodation and treatment related to a stay in an aftercare establishment (orsimilar establishment)Accommodation and treatment costs related to a stay in an establishment for rehabilitation orvocational education (or equivalent)Thermal curesTreatments to combat obesityTravel and hotel expenses related to careTreatments considered experimentalMGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 8/18
PRIOR ACCEPTANCEThe reimbursement of expenses is subject to prior acceptance of the Insurer, unless there is acharacterised emergency.Except in an emergency, each admission to an hospital must be notified to the Insurer at least 2 weeksbefore the admission has actually taken place.The Insurer's acceptance is deemed to have been obtained if it has not responded within 5 working daysfrom the date of receipt of the request for prior agreement.In the event that the request for prior agreement has not been made and if the treatment is subsequentlymedically necessary, in this case alone, the Insurer will reimburse only 80% of the hospital expenses.Prior approval is not required in the event of an emergency as defined in this Guide. However, the Insurermust be notified within 48 hours or as soon as possible in case of force majeure. The provisions relating toreasonable and customary expenses in the country where the care is provided shall apply in all cases.LIMITATION TO REAL COSTSIn accordance with Article 9 of Law No 89-1009 of 31 December 1989 and Decree No 90-769 of 30August 1990, reimbursements or compensation for expenses incurred due to sickness, maternity oraccident may not exceed the amount of the expenses remaining to be borne by the Insured after thereimbursements of all types to which he is entitled.Guarantees of the same nature contracted with several insurance organisations are effective within thelimit of each guarantee regardless of its date of subscription. Within this limit, the beneficiary of thecontract may obtain an additional compensation by sending the details of the reimbursement(s) made bythe other organisations.For the purposes of the above provisions, the limitation to the amount of the expenses remaining to beborne by the Insured shall be determined by the Insurer for each act or item of expenses.FORMALITIES TO BE COMPLETEDIN THE EVENT OF A LOSSDECLARATIONThe declaration form is provided by the Insurer and must be accompanied by supporting documents.The dematerialised declaration of loss is authorised within the limit of 500 per invoice. The Insured musthowever retain his original documents for two years from the date of care for hospitalisation and medicalprocedures and from the date of invoicing for the other benefits. The Insurer reserves the right to ask theinsured for his originals during this period.Apart from the dematerialisation cases authorised above, no copies, photocopies or duplicates of invoicesare accepted.The Insurer may, if necessary, ask for any other documents necessary for the application of guarantee.Any information provided by the Insured or any of his dependents which is found to be erroneous,falsified, exaggerated or any fraudulent or fraudulent action on their part will entail the direct liability ofthe Insured and the return of sums wrongly paid by the Insurer on the basis of such incorrect data.MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 9/18
DOCUMENTS REQUIREDIn case of hospitalisation- Proof of hospitalisation (invoices, fees)In case of illness- The detailed invoicesIn case of delivery at home,- An excerpt from the birth certificate of the childThe Insurer may request any other documentary evidence to supplement the file.MANAGEMENT OF CLAIMSClaims management is provided by MSH International, whose contact details are the followingper area:NORTH AND SOUTHAMERICAMSH INTERNATIONALSuite 300,999-8th Street S.W.Calgary, Alberta T2R 1N7CANADAPhone : 1 403 539 6136Fax : 1 403 265 9425adminamerica@mshintl.comToll free number from USA : 1 888 842 1530EUROPEMIDDLE EAST ANDAFRICAMSH INTERNATIONAL82, rue Villeneuve92587 Clichy CedexFRANCEPhone: 33 (0)1 44 20 48 15Fax: 33 (0)1 44 20 48 03admineurope@mshintl.comMSH INTERNATIONALSuite 2, Level 5,Gate Precinct Building 4DIFC, PO Box 506537Dubaï – EMIRATS ARABESUNISPhone : 971 4 365 1302Fax : 971 4 363 7327adminmea@msh-intl.comASIAMSH INTERNATIONAL5F, North Tower,Building 9,Lujiazui Software Park,Lane 91,E Shan Rd, ShanghaiCHINE, 200127Phone: 86 21 6187 0591Fax : 86 21 6160 0153adminasia@msh-intl.comAMERIQUE DU NORDRECOURSEIn accordance with the French Insurance Code, the beneficiary of the guarantees gives subrogation to theInsurer in order to initiate any recourse action against third parties liable.The Insurer waives all recourse actions against the Company.LIMITATION PERIODThe provisions relating to the limitation period for actions deriving from the insurance contract are laiddown in Articles L.114-1 to L. 114-3 of the French Insurance Code reproduced below:Article L.114-1 of the French Insurance Code:All actions arising from an insurance contract have a limitation period of two years after the event givingrise thereto.However, this period does not apply:1 In cases of concealment, omission, false statement or misrepresentation regarding the risk involvedonly from the day when the insurer has learnt of this2 In case of loss, until the day on which those involved learn of this, if they prove that they were unawareuntil such date.MGM – Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal’s Coverage and Supplementary Health Coverage –Contract No: 080557/500 - Effective Date: 01/01/2017page 10/18
When the action of the insured against the insurer is caused by the claim of a third party, the limitationperiod shall run only from the day when the third party has filed a lawsuit against the insured or wascompensated by the latter.Article L.114-2 of the French Insurance Code:The limitation period is interrupted by one of the ordinary causes of interruption of the limitation periodand by the appointment of experts following a disaster. The interruption of the limitation period may,moreover, result from the sending of a registered letter with acknowledgement of receipt sent by theinsurer to the insured as regards the action for payment of the premium and by the insured to the insurerregarding the payment of the indemnity.Article L.114-3 of the French Insurance Code:By waiver to Article 2254 of the French Civil Code, the parties to the insurance contract cannot, even bymutual agreement, modify the duration of the limitation period, or add to the grounds for suspension orinterruption thereof.Additional information:The ordinary causes of interruption of the limitation period are set out in Articles 2240 and following ofthe French Civil Code; the latter include, in particular, the recognition by the debtor of the right of theperson against whom he was making a limitation, files proceedings in court even in summaryproceedings, as an act of enforcement. For the exhaustive nature of the ordinary causes of interruption ofthe limitation period, refer to the Articles of the French Civil Code cited above.BASIS OF THE INSURANCE CONTRACTThe contract is governed by the French Insurance Code.The definition of the guarantees, the tariff and their application rules take into account the laws andregulations in force on the effective date of the insurance contract.COMPLAINTIn the event of difficulties, the Company or the Insured must first consult the usual contact person of AWPHealth & Life S.A.If the Insured's or Company's request does not meet the expectation, the Insured may submit a complaintby simple letter or e-mail to:AWP Health & Life S.A. - Customer Relations, Case Courrier BS, 20 place de Seine, 92086 Paris La DéfenseCedex.Email: client.services@allianzworldwidecare.comAWP Health & Life S.A. adheres to the insurance mediation charter. Therefore, in case of persistent anddefinitive disagreement, the Subscribing Company or the Insured may, after exhaustion of the internaltreatment channels indicated above, appeal to the Mediator of Insurance, whose postal contact detail
MGM - Employee Benefits Guide for Health Plan : 1st Euro, Additional Lamal's Coverage and Supplementary Health Coverage - Contract No: 080557/500 - Effective Date: 01/01/2017 page 2/18 GENERAL AFFILIATION The salaried staff members in international mobility of MGM S.A. defined in this benefit guide are affiliated. Since these staff
