Eligibility: You are eligible if you are a non-US citizen, a member of ISO and under
age 55. You must have a current passport or visa to the USA, and are temporarily
residing outside your home country/country of permanent residence. For purposes
of this insurance, if your home country (passport country) is different from your
country of permanent residence (location in which you permanently reside), you will
not be covered in either location. Permanent residents are not eligible for
coverage under this Policy.