Common use of Benefits Clarifications Clause in Contracts

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor We will pay up to the annual limits shown in the benefit schedule for reasonable and customary charges incurred for a live member to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay up to the amount shown in your benefits table for companion’s accommodation in the same hospital room with the member or at a hotel/motel near the hospital within the area of cover when the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the area of cover, provided no cost is borne by us. We will pay a cash benefit up to the ‘Pre-existing Conditions’ benefit limit, if applicable to your plan, when the in-patient treatment is resulting from a covered pre-existing condition. ‘Cash Benefit’ is only payable when no other benefit is claimed for under this policy per in-patient treatment.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor Yearly maximum We will pay up to the annual limits maximum shown in for each member each policy year. All benefits paid during the benefit schedule policy period will count against the yearly maximum. Cover does not extend beyond the area shown for reasonable and customary charges incurred your plan unless you are eligible for a live member ‘outside area of cover’ benefit. Outside area of cover This is to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for cover emergency treatment which arises suddenly whilst outside the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient area of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay cover up to the amount shown in your benefits table for companion’s accommodation table. We will, in the same hospital room consultation with the treating medical practitioner, retain the right to determine what constitutes ‘emergency treatment’. This benefit does not provide cover for treatment for any condition if a member or at a hotel/motel near the hospital within the has travelled outside his area of cover when to get treatment (whether or not that was the only reason) or for any treatment which was, or may have reasonably been known about, before travel commenced. Under no circumstance will benefit be payable for any aspect of pregnancy or childbirth. Once we have determine, in conjunction with the treating medical practitioner that the eligible medical condition is stabilized or the health status of the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the allows him to travel back into his area of cover, provided no cost is borne by uswe will stop paying for emergency treatment. We will pay a cash Please also refer to Section 3.3 - ‘International Emergency Medical Assistance’. For avoidance of doubt, the maximum benefit up payable shall be limited to the ‘amount applicable on the “Pre-existing Conditions’ ” benefit limit, for members insured on Plan A or B after a waiting period of two hundred seventy (270) days if applicable to your plan, when the in-patient emergency treatment is resulting from a covered for an eligible pre-existing condition. ‘For members insured on Plan C, no benefit shall be payable for emergency treatment arising from a pre-existing condition. Please note that all policy terms, conditions, limitations and exclusions, apply to this benefit exactly as for all other benefits under this policy. Annual deductible and co-insurance In exchange of annual premium discount, the policyholder can opt to include an annual deductible and co-insurance. Please refer to the benefits table on Section 11 for details on the level of annual deductible and co-insurance applicable to your plan. The annual deductible is the aggregate amount of eligible expenses claimed that the member will have to bear each year before any benefits (including Cash Benefit’ is only ) are payable when no other benefit is claimed for under this policy per plan. This amount will be collected by whoever provides your treatment (for direct billing) or deducted from any reimbursement made to you by us. The amount shown for your plan applies to each member each year. In-patient and daycare treatment – general information By in-patient treatment, we mean eligible treatment at a hospital where the member has to stay in a hospital bed for one or more nights. By daycare treatment, we mean eligible treatment at a hospital or daycare unit where the member requires a treatment (excluding out-patient treatment), necessitating admission to a hospital bed but not requiring an overnight stay. Please note: For all non-emergency admissions, it is recommended that you obtain our written pre-authorization before admission. This is to protect you from unexpected cost. For direct settlement for an eligible treatment, the approval we give to the service provider will indicate the amount which is reasonable and customary (R&C) for the proposed treatment. Please refer to ‘Understanding how to get the best from your plan’ on Section 6 of this membership agreement. Please refer to the benefits table on Section 11 for further information on the availability, benefit levels and waiting periods of your plan.

Benefits Clarifications. Daily accommodation charges While admitted as an inOther benefits Normal (Routine) pregnancy and childbirth (Plan A only and subject to compulsory co-patient or daycare, we will pay insurance) Benefit is available and eligible claims are payable for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor We will pay up to the annual limits shown in the benefit schedule for reasonable and customary charges incurred for a live member to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under Plan A for three hundred sixty-five (365) consecutive days waiting period and has effected the annual renewal of that plan for the coming policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay up to the amount shown in your benefits table for companion’s accommodation in the same hospital room with the member or at a hotel/motel near the hospital within the area of cover when the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the area of cover, provided no cost is borne by usyear. We will pay a cash benefit eighty (80%) percent of the eligible expenses up to the ‘Pre-existing Conditions’ benefit limit, if applicable to your plan, when the in-patient treatment is resulting from a covered limit for routine pre-existing conditionnatal care, inpatient childbirth and routine post-natal care up to forty-two (42)days following the birth. ‘Cash Benefit’ This benefit is only available for female member over the age of eighteen (18) years. We will also pay for normal, routine pregnancy and inpatient childbirth even when such pregnancy was established through assisted conception/assisted pregnancy. This benefit does not cover any expenses related to assisted conception/assisted pregnancy including any complications. The limit shown is the maximum we will pay under this benefit for each: • policy year, even if there is more than one pregnancy in that policy year, • pregnancy, even if a pregnancy, which is eligible for benefit, falls across the policy anniversary, and provided the policy, including this benefit, has been renewed for the subsequent policy year For inpatient birth through vaginal childbirth and medically necessary caesarean section, we will pay for the reasonable and customary childbirth costs of a standard single room, up to the limit shown for this benefit in the benefits table. Any complications of pregnancy will be paid from “Pre- & post-natal complications” benefit. For inpatient birth through non-medically necessary caesarean section, we will pay for the reasonable and customary childbirth costs up to the costs of a natural childbirth in a standard single room. If we are not able to determine that a caesarean section is medically necessary, we will consider it is not medically necessary. The complications arising from such childbirth will be paid up to the remainder of the Normal (Routine) Pregnancy and Childbirth limit. Please take note: This benefit is payable when no other benefit 365 consecutive days membership is claimed for achieved by the member under this policy per in-patient treatmentplan / cover from the date this cover is attached to the member’s plan.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor Yearly maximum We will pay up to the annual limits maximum shown in for each member each policy year. All benefits paid during the benefit schedule policy period will count against the yearly maximum. Cover does not extend beyond the area shown for reasonable and customary charges incurred your plan unless you are eligible for a live member ‘outside area of cover’ benefit. Outside area of cover This is to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for cover emergency treatment which arises suddenly whilst outside the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient area of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay cover up to the amount shown in your benefits table for companion’s accommodation table. We will, in the same hospital room consultation with the treating medical practitioner, retain the right to determine what constitutes ‘emergency treatment’. This benefit does not provide cover for treatment for any condition if a member or at a hotel/motel near the hospital within the has travelled outside his area of cover when to get treatment (whether or not that was the only reason) or for any treatment which was, or may have reasonably been known about, before travel commenced. Under no circumstance will benefit be payable for any aspect of pregnancy or childbirth. Once we have determine, in conjunction with the treating medical practitioner that the eligible medical condition is stabilized or the health status of the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the allows him to travel back into his area of cover, provided no cost is borne by uswe will stop paying for emergency treatment. We will pay a cash Please also refer to Section 3.3 - ‘International Emergency Medical Assistance’. For avoidance of doubt, the maximum benefit up payable shall be limited to the ‘amount applicable on the “Pre-existing Conditions’ ” benefit limit, for members insured on Plan A or B after a waiting period of two hundred seventy (270) days if applicable to your plan, when the in-patient emergency treatment is resulting from a covered for an eligible pre-existing condition. ‘For members insured on Plan C, no benefit shall be payable for emergency treatment arising from a pre-existing condition. Please note that all policy terms, conditions, limitations and exclusions, apply to this benefit exactly as for all other benefits under this policy. Annual deductible and co-insurance In exchange of annual premium discount, the policyholder can opt to include an annual deductible and co-insurance. Please refer to the benefits table on Section 10 for details on the level of annual deductible and co-insurance applicable to your plan. The annual deductible is the aggregate amount of eligible expenses claimed that the member will have to bear each year before any benefits (including Cash Benefit’ is only ) are payable when no other benefit is claimed for under this policy per plan. This amount will be collected by whoever provides your treatment (for direct billing) or deducted from any reimbursement made to you by us. The amount shown for your plan applies to each member each year. In-patient and daycare treatment – general information By in-patient treatment, we mean eligible treatment at a hospital where the member has to stay in a hospital bed for one or more nights. By daycare treatment, we mean eligible treatment at a hospital or daycare unit where the member requires a treatment (excluding out-patient treatment), necessitating admission to a hospital bed but not requiring an overnight stay. Please note: For all non-emergency admissions, it is recommended that you obtain our written pre-authorization before admission. This is to protect you from unexpected cost. For direct settlement for an eligible treatment, the approval we give to the service provider will indicate the amount which is reasonable and customary (R&C) for the proposed treatment. Please refer to ‘Understanding how to get the best from your plan’ on Section 6 of this membership agreement. Please refer to the benefits table on Section 10 for further information on the availability, benefit levels and waiting periods of your plan.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor We will pay up to the annual limits shown in the benefit schedule for reasonable and customary charges incurred for a live member to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay up to the amount shown in your benefits table for companion’s accommodation in the same hospital room with the member or at a hotel/motel near the hospital within the area of cover when the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the area of cover, provided no cost is borne by us. We will pay a cash benefit up to the ‘Pre-existing Conditions’ benefit limit, if applicable to your plan, when the in-patient treatment is resulting from a covered pre-existing condition. ‘Cash Benefit’ is only payable when no other benefit is claimed for under this policy per in-patient treatment.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room type which is more expensive than the standard roomsingle room or standard two-bedded room (please refer to the policy schedule for the room type), the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please refer to Section 4.12 General Conditions, item o for more details. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge fdischarge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a relativeora certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor We will pay up to the annual limits shown in the benefit schedule for reasonable and customary charges incurred for a live member to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device devices surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay up to the amount shown in your benefits table for companion’s accommodation in the same hospital room with the member or at a hotel/motel near the hospital within the area of cover when the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the area of cover, provided no cost is borne by us. We will pay a cash benefit up to the ‘Pre-existing Conditions’ benefit limit, if applicable to your plan, when the in-patient treatment is resulting from a covered pre-existing condition. ‘Cash Benefit’ is only payable when no other benefit is claimed for under this policy per in-patient treatment.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor Yearly maximum We will pay up to the annual limits maximum shown in for each member each policy year. All benefits paid during the benefit schedule policy period will count against the yearly maximum. Cover does not extend beyond the area shown for reasonable and customary charges incurred your plan unless you are eligible for a live member ‘outside area of cover’ benefit. Outside area of cover This is to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for cover emergency treatment which arises suddenly whilst outside the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient area of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay cover up to the amount shown in your benefits table for companion’s accommodation table. We will, in the same hospital room consultation with the treating medical practitioner, retain the right to determine what constitutes ‘emergency treatment’. This benefit does not provide cover for treatment for any condition if a member or at a hotel/motel near the hospital within the has travelled outside his area of cover when to get treatment (whether or not that was the only reason) or for any treatment which was, or may have reasonably been known about, before travel commenced. Under no circumstance will benefit be payable for any aspect of pregnancy or childbirth. Once we have determined, in conjunction with the treating medical practitioner that the eligible medical condition is stabilized or the health status of the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the allows him to travel back into his area of cover, provided no cost is borne by uswe will stop paying for emergency treatment. We will pay a cash Please also refer to Section 3.3 - ‘International Emergency Medical Assistance’. For avoidance of doubt, the maximum benefit up payable shall be limited to the ‘amount applicable on the “Pre-existing Conditions’ ” benefit limit, for members insured on Plan A or B after a waiting period of two hundred seventy (270) days if applicable to your plan, when the in-patient emergency treatment is resulting from a covered for an eligible pre-existing condition. ‘For members insured on Plan C, no benefit shall be payable for emergency treatment arising from a pre-existing condition. Please note that all policy terms, conditions, limitations and exclusions, apply to this benefit exactly as for all other benefits under this policy. Annual deductible and co-insurance In exchange of annual premium discount, the policyholder can opt to include an annual deductible and co-insurance. Please refer to the benefits table on Section 10 for details on the level of annual deductible and co-insurance applicable to your plan. The annual deductible is the aggregate amount of eligible expenses claimed that the member will have to bear each year before any benefits (including Cash Benefit’ is only ) are payable when no other benefit is claimed for under this policy per plan. This amount will be collected by whoever provides your treatment (for direct billing) or deducted from any reimbursement made to you by us. The amount shown for your plan applies to each member each year. In-patient and daycare treatment – general information By in-patient treatment, we mean eligible treatment at a hospital where the member has to stay in a hospital bed for one or more nights. By daycare treatment, we mean eligible treatment at a hospital or daycare unit where the member requires a treatment (excluding out-patient treatment), necessitating admission to a hospital bed but not requiring an overnight stay. Please note: For all non-emergency admissions, it is recommended that you obtain our written pre-authorization before admission. This is to protect you from unexpected cost. For direct settlement for an eligible treatment, the approval we give to the service provider will indicate the amount which is reasonable and customary (R&C) for the proposed treatment. Please refer to ‘Understanding how to get the best from your plan’ on Section 6 of this membership agreement. Please refer to the benefits table on Section 10 for further information on the availability, benefit levels and waiting periods of your plan.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor We will pay up to the annual limits shown in the benefit schedule for reasonable and customary charges incurred for a live member to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device devices surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay up to the amount shown in your benefits table for companion’s accommodation in the same hospital room with the member or at a hotel/motel near the hospital within the area of cover when the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the area of cover, provided no cost is borne by us. We will pay a cash benefit up to the ‘Pre-existing Conditions’ benefit limit, if applicable to your plan, when the in-patient treatment is resulting from a covered pre-existing condition. ‘Cash Benefit’ is only payable when no other benefit is claimed for under this policy per in-patient treatment.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor Yearly maximum We will pay up to the annual limits maximum shown in for each member each policy year. All benefits paid during the benefit schedule policy period will count against the yearly maximum. Cover does not extend beyond the area shown for reasonable and customary charges incurred your plan unless you are eligible for a live member ‘outside area of cover’ benefit. Outside area of cover This is to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for cover emergency treatment which arises suddenly whilst outside the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient area of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay cover up to the amount shown in your benefits table for companion’s accommodation table. We will, in the same hospital room consultation with the treating medical practitioner, retain the right to determine what constitutes ‘emergency treatment’. This benefit does not provide cover for treatment for any condition if a member or at a hotel/motel near the hospital within the has travelled outside his area of cover when to get treatment (whether or not that was the only reason) or for any treatment which was, or may have reasonably been known about, before travel commenced. Under no circumstance will benefit be payable for any aspect of pregnancy or childbirth. Once we have determined, in conjunction with the treating medical practitioner that the eligible medical condition is stabilized or the health status of the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the allows him to travel back into his area of cover, provided no cost is borne by uswe will stop paying for emergency treatment. We will pay a cash Please also refer to Section 3.3 - ‘International Emergency Medical Assistance’. For avoidance of doubt, the maximum benefit up payable shall be limited to the ‘amount applicable on the “Pre-existing Conditions’ ” benefit limit, after a waiting period of two hundred seventy (270) days if applicable to your plan, when the in-patient emergency treatment is resulting from a covered for an eligible pre-existing condition. ‘Please note that all policy terms, conditions, limitations and exclusions, apply to this benefit exactly as for all other benefits under this policy. Annual deductible and co-insurance In exchange of annual premium discount, the policyholder can opt to include an annual deductible and co-insurance. Please refer to the benefits table on Section 10 for details on the level of annual deductible and co-insurance applicable to your plan. The annual deductible is the aggregate amount of eligible expenses claimed that the member will have to bear each year before any benefits (including Cash Benefit’ is only ) are payable when no other benefit is claimed for under this policy per plan. This amount will be collected by whoever provides your treatment (for direct billing) or deducted from any reimbursement made to you by us. The amount shown for your plan applies to each member each year. In-patient and daycare treatment – general information By in-patient treatment, we mean eligible treatment at a hospital where the member has to stay in a hospital bed forone or more nights. By daycare treatment, we mean eligible treatment at a hospital or daycare unit where the member requires a treatment (excluding out-patient treatment), necessitating admission to a hospital bed but not requiring an overnight stay. Please note: For all non-emergency admissions, it is recommended that you obtain our written pre-authorization before admission. This is to protect you from unexpected cost. For direct settlement for an eligible treatment, the approval we give to the service provider will indicate the amount which is reasonable and customary (R&C) for the proposed treatment. Please refer to ‘Understanding how to get the best from your plan’ on Section 6 of this membership agreement. Please refer to the benefits table on Section 10 for further information on the availability, benefit levels and waiting periods of your plan.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor Yearly maximum We will pay up to the annual limits maximum shown in for each member each policy year. All benefits paid during the benefit schedule policy period will count against the yearly maximum. Cover does not extend beyond the area shown for reasonable and customary charges incurred your plan unless you are eligible for a live member ‘outside area of cover’ benefit. Outside area of cover This is to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for cover emergency treatment which arises suddenly whilst outside the member’s family member (parent, sibling, child, spouse or partner) ; b) the transplant is in line with appropriate regulatory guidelines; c) the recipient area of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay cover up to the amount shown in your benefits table for companion’s accommodation table. We will, in the same hospital room consultation with the treating medical practitioner, retain the right to determine what constitutes ‘emergency treatment’. This benefit does not provide cover for treatment for any condition if a member or at a hotel/motel near the hospital within the has travelled outside his area of cover when to get treatment (whether or not that was the only reason) or for any treatment which was, or may have reasonably been known about, before travel commenced. Under no circumstance will benefit be payable for any aspect of pregnancy or childbirth. Once we have determined, in conjunction with the treating medical practitioner that the eligible medical condition is stabilised or the health status of the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the allows him to travel back into his area of cover, provided no cost is borne by uswe will stop paying for emergency treatment. We will pay a cash Please also refer to Section 3.3 - ‘International Emergency Medical Assistance’. For avoidance of doubt, the maximum benefit up payable shall be limited to the ‘amount applicable on the “Pre-existing Conditions’ ” benefit limit, for members insured on Plan A or B after a waiting period of two hundred seventy (270) days if applicable to your plan, when the in-patient emergency treatment is resulting from a covered for an eligible pre-existing condition. ‘For members insured on Plan C, no benefit shall be payable for emergency treatment arising from a pre-existing condition. Please note that all policy terms, conditions, limitations and exclusions, apply to this benefit exactly as for all other benefits under this policy. Annual deductible and co-insurance In exchange of annual premium discount, the policyholder can opt to include an annual deductible and co-insurance. Please refer to the benefits table on Section 10 for details on the level of annual deductible and co-insurance applicable to your plan. The annual deductible is the aggregate amount of eligible expenses claimed that the member will have to bear each year before any benefits (including Cash Benefit’ is only ) are payable when no other benefit is claimed for under this policy per plan. This amount will be collected by whoever provides your treatment (for direct billing) or deducted from any reimbursement made to you by us. The amount shown for your plan applies to each member each year. In-patient and daycare treatment – general information By in-patient treatment, we mean eligible treatment at a hospital where the member has to stay in a hospital bed for one or more nights. By daycare treatment, we mean eligible treatment at a hospital or daycare unit where the member requires a treatment (excluding out-patient treatment), necessitating admission to a hospital bed but not requiring an overnight stay.

Benefits Clarifications. Daily accommodation charges While admitted as an in-patient or daycare, we will pay for the costs of member’s accommodation in the type of room shown in your benefits table. Wherever a member receive treatment, if the hospital offers several classes for the room type he is entitled for, we will only pay for the cost of a room of a standard class. This corresponds to the lowest cost room class offered in that hospital for that type of room. If a member stays in a room which is more expensive than the standard room, the member may have to pay for the difference in room charges. The member may also have to pay for a share of other medical expenses wherever these increase as a result of the room upgrade. Please check with us prior to admission to avoid unnecessary out of pocket expenses. Hospital charges Subject to the limits shown for your plan, members are covered for hospital charges incurred for eligible treatment given between admission and discharge such as: • diagnostic procedures, • surgical procedures, • operating theatre charges, • nursing care, drugs and dressings, • surgeons’ and anaesthetists’ charges, • intensive care unit charges, • consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it, • radiotherapy and chemotherapy, • kidney dialysis, • computerized computerised tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques, • special nursing in hospital. Organ transplant We will pay for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) has come from a relative or a certified and verified source of donation. The policy does not cover the costs of collecting donor organs (including but not limited to, transportation and administration costs) or any expenses incurred by the donor or if the organ(s) is not from a relative or a certified and verified source of donation. Living organ donor We will pay up to the annual limits shown in the benefit schedule for reasonable and customary charges incurred for a live member to donate an organ or tissue specified in the Organ Transplant benefit (limited to kidney, heart, liver, lung or bone marrow) of this policy, provided: a) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ); b) the transplant is in line with appropriate regulatory guidelines; c) the recipient of the organ was first diagnosed by a doctor or have symptoms which first appeared after a waiting period of twenty-four (24) months from the policy commencement date or the date after this Living Organ Donor (member) Transplant benefit first became effective under this policy or the last reinstatement date (if any) whichever is the latest; and Shall include eligible expenses relating to pre-hospital specialist consultation, related examination and laboratory tests and post-hospitalization hospitalisation treatment. Both pre- and post-hospitalisation benefit are limited to ninety (90) days prior or after treatment respectively. This benefit requires pre-authorization authorisation from us. This benefit does not pay for the cost of collecting donor organs or tissue, administration costs, its complications, and illegal organ transplants. Reconstructive surgery We will pay for the initial reconstructive surgery and only when it is medically necessary and carried out to restore function after an accident or following surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-authorization authorisation and must be done at a medically appropriate stage after the accident or surgery. Surgical implants We will pay for medical device devices surgically implanted into the body as part of the treatment (excluding any dental implants). Companion accommodation We will pay up to the amount shown in your benefits table for companion’s accommodation in the same hospital room with the member or at a hotel/motel near the hospital within the area of cover when the member is receiving an eligible in-patient treatment in the hospital within the area of cover. This is paid from the member’s benefit. Cash benefit This is payable for eligible in-patient treatment only when the member receives treatment, within the area of cover, provided no cost is borne by us. We will pay a cash benefit up to the ‘Pre-existing Conditions’ benefit limit, if applicable to your plan, when the in-patient treatment is resulting from a covered pre-existing condition. ‘Cash Benefit’ is only payable when no other benefit is claimed for under this policy per in-patient treatment.