October 11, 2004

HTH Worldwide Introduces Global Citizen - New Worldwide Health Insurance and Services for Individuals and Families

RADNOR, PENNSLYVANIA, October 11, 2004 - HTH Worldwide today introduced a new individual health insurance program featuring worldwide benefits and global health and safety services. Global Citizen is now the premier international health plan because it combines comprehensive benefits with a new generation of medical assistance services, including an impressive array of online tools used to identify, access and pay for quality healthcare all around the world. HTH Worldwide is a recognized leader in international health insurance and medical assistance services, serving hundreds of thousands of world travelers annually.

The Global Citizen health plan is designed to support the international lifestyles of those who travel to or from the United States for extended periods of business, leisure or study. If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. Global Citizen gives international travelers the freedom to access care inside and outside the U.S. They may choose from five plan designs, including a high-deductible plan that qualifies for a tax-advantaged Healthcare Savings Account.

Global Citizen is attractive to individuals seeking a health insurance plan that:

• Meets the standards of state insurance departments
• Has no waiting periods associated with any benefits or services
• Waives the pre-existing condition exclusion with proof of prior creditable coverage
• Covers injuries or injuries that are a result of a terrorist act

Global Citizen is underwritten by UNICARE Life & Health Insurance Company, a WellPoint Health Networks company, and is rated A- (Excellent) by A.M. Best.

Administered by HTH Worldwide Insurance Services, Global Citizen features access to an elite international community of carefully-selected, individually-contracted English-speaking doctors, dentists and behavioral health professionals in 160 countries. HTH Worldwide also maintains unsurpassed resources designed to promote personal safety around the world by giving Global Citizen members convenient access to vitally important news, health and safety analysis and medical translation tools.

About HTH Worldwide

HTH Worldwide is an innovator and leader in helping international employees, students and leisure travelers identify, access and pay for quality healthcare anywhere in the world. HTH Worldwide combines Internet expertise with global medical knowledge and health insurance experience to ensure the security and peace of mind of international travelers and those who sponsor their travels.

HTH is the leading provider of primary health insurance for more than 120,000 international students at U.S. universities and also provides web-based personal medical and security knowledge tools to thousands of global business and leisure travelers.

Our company's growing global online physician community gives members access to contracted providers in over 160 countries, and HTH's health and security tools cover over 500 popular destinations in the U.S. and abroad. Visit us at www.hthworldwide.com.