November 15, 2004

HTH Worldwide Expands Group Health Offering to Domestic Students
Groups with Both International and Domestic Students are Eligible

RADNOR, PENNSLYVANIA, November 15, 2004 - HTH Worldwide announced today that it has expanded eligibility criteria for its group health plans to include domestic students. HTH is the leader in group health insurance for international students at U.S. institutions of higher learning and is responding to requests from the educational community to offer health benefits more widely.

"HTH will leverage its position as the international health insurance experts to bring more comprehensive benefits and services to domestic students who need health coverage," said Elaine del Rossi, Chief Sales Officer for HTH Worldwide. "Our reputation for solid benefits and superior services has led many customers and prospects to request that we extend plan eligibility to domestic students. We will write student groups that do not exclude international students."

HTH combines its insurance expertise with industry-leading web capabilities to help students stay healthy and university staff to streamline their administrative duties. Extensive nationwide and international provider networks assist HTH members find the care they need from highly qualified medical professionals.

HTH Worldwide is an innovator and leader in helping international students, employees and leisure travelers identify, access and pay for quality healthcare around the world. HTH is the leading provider of primary health insurance for more than 125,000 international students at U.S. universities and also provides global health and safety resources to thousands of global business and leisure travelers. HTH's growing global 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.