Common use of BENEFITS TABLE Clause in Contracts

BENEFITS TABLE. Benefits Table (Plan A) Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Please note: Benefit values are per member each year unless otherwise specified and are reduced each time the member claims only by the net amount (less any annual deductible or co-insurance) we have actually paid. Please refer to the policy wordings on full terms applying to these benefits. Yearly maximum limit This is the maximum we will pay for each member each policy year. All benefits paid during the policy period will count against the yearly maximum. S$4,500,000 Area of cover This is the geographical area where you can choose to receive treatment. You can select your area of cover at time of application. Your chosen area of cover has an impact on your premium. Options: 1. Worldwide, or 2. Worldwide excluding USA, or 3. Asia Outside area of cover This benefit pays for emergency treatment, or treatment of a medical condition which arises suddenly whilst outside the selected area of cover. Emergency treatment only up to S$250,000 Annual Deductible Daily accommodation charges While admitted as an in-patient or day-patient, we will pay for the costs of your accommodation in the type of room shown in your benefits table. Wherever a member receives 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. Standard single room Annual Deductible Hospital charges This benefit pays for hospital charges given between admission and discharge including: 1) Diagnostic procedures 2) Surgical procedures 3) Operating theatre charges 4) Nursing care, drugs and dressings 5) Surgeons’ and anaesthetists’ charges 6) Intensive care unit charges 7) Consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it 8) Radiotherapy and chemotherapy 9) Kidney dialysis 10) Computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques 11) Special nursing in hospital Included Annual Deductible Organ transplant This benefit pays for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) have 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. Included Annual Deductible Reconstructive Surgery This benefit pays 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. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Living organ donor This benefit pays 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 : 1) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; 2) the transplant is in line with appropriate regulatory guidelines; 3) 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 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. up to S$60,000 Available only after 24 consecutive months membership Annual Deductible Companion accommodation We will pay for companion accommodation when the member is receiving eligible in-patient treatment within the area of cover. up to S$190 per night Annual Deductible New Born accommodation This benefit pays for the child who is less than 16 weeks to stay in the hospital while the insured mother is receiving eligible in-patient treatment. Included Annual Deductible Cash benefit Payable for eligible in-patient treatment only when the member receives treatment within area of cover and provided no cost for that treatment is claimed under this plan. S$300 per night Annual Deductible In-patient Rehabilitation This benefit pays for in-patient rehabilitation when: a) it is carried out by a medical practitioner specialising in rehabilitation; and b) it is carried out in a rehabilitation hospital or unit which is recognised by us; and c) the treatment could not be carried out on an out-patient basis, and d) the costs have been agreed, in writing by us before the rehabilitation begins. We will not pay for in-patient rehabilitation for more than twenty-eight (28) days except in cases such as in severe central nervous system damage caused by external trauma. For cases such as in severe central nervous system damage caused by external trauma, we will not pay for in-patient rehabilitation for more than one hundred eighty (180) days. Included Annual Deductible Pre-hospitalisation treatment (up to 90 days before admission) We will pay for consultation, prescribed investigations and essential medications received as an out-patient within 90 days prior to a hospitalisation, where such hospitalisation is eligible for cover under member’s plan and where the need for such hospitalisation has arisen as a direct result of the medical examination and investigation findings drawn from that consultation. Included Annual Deductible Post hospitalisation treatment (within 90 days after discharge) This benefit pays for follow-up out-patient consultation and treatment following an eligible in-patient or daycare surgery when such consultation is carried out by the in-patient treating medical practitioner or a referred medical practitioner and provided such consultation or treatment occurs within 90 days following the discharge from hospital or the date of the daycare surgery. Included Annual Deductible Primary and Specialist care This benefit pays for consultation, diagnostic procedures, prescribed drugs and dressings received as part of an out-patient treatment. Diagnostic tests include and are limited to laboratory, X-Rays and Ultrasound. Included 20% co-insurance Surgical procedures We will pay for any eligible surgical procedures received as an out-patient for an eligible medical condition. Included 20% co-insurance Emergency treatment due to accident This benefit pays for out-patient treatment due to accident required immediately (within 24 hours) following bodily injury arising from an accident, provided the member has been continuously covered under the policy since before the accident happened. Follow-up treatment for the same bodily injury will be covered up to 30 days from the date of the accident. Included 20% co-insurance Radiotherapy and chemotherapy We will pay for radiotherapy and chemotherapy received as an out-patient for an eligible medical condition at a registered medical facility recognised by us. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Kidney dialysis We will pay for kidney dialysis received as an out-patient for an eligible medical condition at registered medical facility recognised by us. Included Annual Deductible Computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans We will pay for computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans received as part of an eligible out-patient treatment. Included 20% co-insurance Hormone replacement therapy (HRT) We will pay for the consultations and the cost of the implants, injections, patches or tablets when it is medically necessary and resulting from a medical intervention rather than for the relief of physio- logical symptoms. Where hormone replacement therapy is only required for the relief of menopausal symptoms,we will pay for consultation and prescribed implants, patches or tablets up to the limit shown in the the benefit table applicable to member’s plan. Included (Hormone replacement therapy for relief of menopausal symptoms - up to S$200) 20% co-insurance Physiotherapy, occupational therapy and speech therapy Treatment given by any of these practitioners must be referred by the medical practitioner who has defined a diagnosis. Benefit is payable only following in-patient treatment for an eligible medical condition, provided that the member has been continuously covered under the policy since before the in-patient treatment commenced. Treatment given by any of these practitioners must be under the medical supervision of a medical practitioner. Medical supervision means that the reason for referral, where applicable, has been initiated by the medical practitioner who has defined a diagnosis. There must be a clear treatment plan from the practitioner with an end point and expected outcome. Included 20% co-insurance Consultation and treatment provided and prescribed by a qualified and registered chiropractor, podiatrist, dietitian, nutritionist, naturopath, acupuncturist, homeopath, osteopath, physiotherapist and Traditional Chinese medicine practitioner This benefit pays for the specified complementary and alternative therapist and practitioners. up to S$2,000 20% co-insurance Vaccination This benefit pays for necessary vaccinations. Consultation charge made in conjunction with vaccination can be claimed from this benefit where applicable. up to S$2,000 Available only after 90 consecutive days membership in the first policy year” 20% co-insurance Health screen This benefit includes the cost of any eligible consultation needed as part of the screening process. up to S$1,350 20% co-insurance Accidental damage to natural teeth This benefit pays for dental treatment required within 30 days following accidental damage to natural teeth caused by extra-oral impact. Benefit is not payable if: • the damage was caused by normal wear and tear • the injury was caused when boxing or playing rugby (except school rugby) unless appropriate mouth protection was worn • the damage was caused by tooth brushing or any other oral hygiene procedure • the damage is not apparent within seven days of the impact which caused the injury This benefit is available only if the member has been continuously covered under the policy since before the accident happened. Included 20% co-insurance Oral and maxillofacial surgery This benefit pays only for the following procedures performed by an oral and maxillofacial surgeon: - Surgical removal of impacted/un-erupted teeth and buried teeth which are diseased or causing symptoms - Surgical removal of complicated buried roots which are diseased or causing symptoms - Enucleation (removal) of cysts of the jaw - Treatment of cancers (For lesion or lump in the mouth) Pre-existing condition limitations apply to this benefit. Included 20% co-insurance Routine dental care This benefit pays for routine dental examination, extraction, fillings, scaling/polishing, x-ray, sealant, fluoride treatment, root canal treatment, implants, bridgework, crowns, treatment of gum disease, dentures, inlays and onlays. Pre-existing condition limitations are not applicable to this benefit. up to S$2,500 20% co-insurance Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Routine optical care This benefit pays for corrective spectacle lenses, contact lenses and associated spectacle frames prescribed by an ophthalmologist or optometrist. Ophthalmologist or optometrist eye examination is claimable from this benefit. Lasik/laser surgery and tinted lenses are not covered under this benefit. up to S$380 20% co-insurance International Emergency Medical Assistance (IEMA) This benefit pays for the following services: - Evacuation where the local medical facilities are not adequate according to our appointed doctor - Evacuation will be to the nearest medical facility where treatment is adequate - Transportation for returning to the principal country of residence following the evacuation - Cost of one accompanying person while the covered person is being evacuated - Hotel accommodation of one accompanying person up to 10 days - Bringing the body or ashes back to a port or airport in the principal country of residence or home country if the covered person dies abroad as a result of an eligible medical condition. Included Not Applicable

BENEFITS TABLE. Benefits Table (Plan A) Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Please note: Benefit values are per member each year unless otherwise specified and are reduced each time the member claims only by the net amount (less any annual deductible or co-insurance) we have actually paid. Please refer to the policy wordings on full terms applying to these benefits. Yearly maximum limit This is the maximum we will pay for each member each policy year. All benefits paid during the policy period will count against the yearly maximum. S$4,500,000 Area of cover This is the geographical area where you can choose to receive treatment. You can select your area of cover at time of application. Your chosen area of cover has an impact on your premium. Options: 1. Worldwide, or 2. Worldwide excluding USA, or 3. Asia Outside area of cover This benefit pays for emergency treatment, or treatment of a medical condition which arises suddenly whilst outside the selected area of cover. Emergency treatment only up to S$250,000 Annual Deductible Daily accommodation charges While admitted as an in-patient or day-patient, we will pay for the costs of your accommodation in the type of room shown in your benefits table. Wherever a member receives 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. Standard single room Annual Deductible Hospital charges This benefit pays for hospital charges given between admission and discharge including: 1a) Diagnostic procedures 2b) Surgical procedures 3c) Operating theatre charges 4d) Nursing care, drugs and dressings 5e) Surgeons’ and anaesthetists’ charges 6f) Intensive care unit charges 7g) Consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it 8) h) Radiotherapy and chemotherapy 9i) Kidney dialysis 10j) Computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques 11k) Special nursing in hospital Included Annual Deductible Organ transplant This benefit pays for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) have 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. Included Annual Deductible Reconstructive Surgery This benefit pays 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. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Living organ donor This benefit pays 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 : 1a) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; 2b) the transplant is in line with appropriate regulatory guidelines; 3c) 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 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. up to S$60,000 Available only after 24 consecutive months membership Annual Deductible Companion accommodation We will pay for companion accommodation when the member is receiving eligible in-patient treatment within the area of cover. up to S$190 per night Annual Deductible New Born accommodation This benefit pays for the child who is less than 16 weeks to stay in the hospital while the insured mother is receiving eligible in-patient treatment. Included Annual Deductible Cash benefit Payable for eligible in-patient treatment only when the member receives treatment within area of cover and provided no cost for that treatment is claimed under this plan. S$300 per night Annual Deductible In-patient Rehabilitation This benefit pays for in-patient rehabilitation when: a) it is carried out by a medical practitioner specialising in rehabilitation; and b) it is carried out in a rehabilitation hospital or unit which is recognised by us; and c) the treatment could not be carried out on an out-patient basis, and d) the costs have been agreed, in writing by us before the rehabilitation begins. We will not pay for in-patient rehabilitation for more than twenty-eight (28) days except in cases such as in severe central nervous system damage caused by external trauma. For cases such as in severe central nervous system damage caused by external trauma, we will not pay for in-patient rehabilitation for more than one hundred eighty (180) days. Included Annual Deductible Pre-hospitalisation treatment (up to 90 days before admission) We will pay for consultation, prescribed investigations and essential medications received as an out-patient within 90 days prior to a hospitalisation, where such hospitalisation is eligible for cover under member’s plan and where the need for such hospitalisation has arisen as a direct result of the medical examination and investigation findings drawn from that consultation. Included Annual Deductible Post hospitalisation treatment (within 90 days after discharge) This benefit pays for follow-up out-patient consultation and treatment following an eligible in-patient or daycare surgery when such consultation is carried out by the in-patient treating medical practitioner or a referred medical practitioner and provided such consultation or treatment occurs within 90 days following the discharge from hospital or the date of the daycare surgery. Included Annual Deductible Primary and Specialist care This benefit pays for consultation, diagnostic procedures, prescribed drugs and dressings received as part of an out-patient treatment. Diagnostic tests include and are limited to laboratory, X-Rays and Ultrasound. Included 20% co-insurance Surgical procedures We will pay for any eligible surgical procedures received as an out-patient for an eligible medical condition. Included 20% co-insurance Emergency treatment due to accident This benefit pays for out-patient treatment due to accident required immediately (within 24 hours) following bodily injury arising from an accident, provided the member has been continuously covered under the policy since before the accident happened. Follow-up treatment for the same bodily injury will be covered up to 30 days from the date of the accident. Included 20% co-insurance Radiotherapy and chemotherapy We will pay for radiotherapy and chemotherapy received as an out-patient for an eligible medical condition at a registered medical facility recognised by us. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Kidney dialysis We will pay for kidney dialysis received as an out-patient for an eligible medical condition at registered medical facility recognised by us. Included Annual Deductible Computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans We will pay for computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans received as part of an eligible out-patient treatment. Included 20% co-insurance Hormone replacement therapy (HRT) We will pay Reconstructive Surgery This benefit pays for the consultations initial reconstructive surgery and the cost of the implants, injections, patches or tablets only when it is medically necessary and resulting from a medical intervention rather than for the relief of physio- logical symptoms. Where hormone replacement therapy is only required for the relief of menopausal symptoms,we will pay for consultation and prescribed implants, patches carried out to restore function after an accident or tablets up to the limit shown in the the benefit table applicable to member’s plan. Included (Hormone replacement therapy for relief of menopausal symptoms - up to S$200) 20% co-insurance Physiotherapy, occupational therapy and speech therapy Treatment given by any of these practitioners must be referred by the medical practitioner who has defined a diagnosis. Benefit is payable only following in-patient treatment surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the inaccident or surgery happened. Benefit for reconstructive surgery is subject to our pre-patient treatment commenced. Treatment given by any of these practitioners authorization and must be under done at a medically appropriate stage after the medical supervision of a medical practitioner. Medical supervision means that the reason for referral, where applicable, has been initiated by the medical practitioner who has defined a diagnosis. There must be a clear treatment plan from the practitioner with an end point and expected outcomeaccident or surgery. Included 20% co-insurance Consultation and treatment provided and prescribed by a qualified and registered chiropractor, podiatrist, dietitian, nutritionist, naturopath, acupuncturist, homeopath, osteopath, physiotherapist and Traditional Chinese medicine practitioner This benefit pays for the specified complementary and alternative therapist and practitioners. up to S$2,000 20% co-insurance Vaccination This benefit pays for necessary vaccinations. Consultation charge made in conjunction with vaccination can be claimed from this benefit where applicable. up to S$2,000 Available only after 90 consecutive days membership in the first policy year” 20% co-insurance Health screen This benefit includes the cost of any eligible consultation needed as part of the screening process. up to S$1,350 20% co-insurance Accidental damage to natural teeth This benefit pays for dental treatment required within 30 days following accidental damage to natural teeth caused by extra-oral impact. Benefit is not payable if: • the damage was caused by normal wear and tear • the injury was caused when boxing or playing rugby (except school rugby) unless appropriate mouth protection was worn • the damage was caused by tooth brushing or any other oral hygiene procedure • the damage is not apparent within seven days of the impact which caused the injury This benefit is available only if the member has been continuously covered under the policy since before the accident happened. Included 20% co-insurance Oral and maxillofacial surgery This benefit pays only for the following procedures performed by an oral and maxillofacial surgeon: - Surgical removal of impacted/un-erupted teeth and buried teeth which are diseased or causing symptoms - Surgical removal of complicated buried roots which are diseased or causing symptoms - Enucleation (removal) of cysts of the jaw - Treatment of cancers (For lesion or lump in the mouth) Pre-existing condition limitations apply to this benefit. Included 20% co-insurance Routine dental care This benefit pays for routine dental examination, extraction, fillings, scaling/polishing, x-ray, sealant, fluoride treatment, root canal treatment, implants, bridgework, crowns, treatment of gum disease, dentures, inlays and onlays. Pre-existing condition limitations are not applicable to this benefit. up to S$2,500 20% co-insurance Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Routine optical care This benefit pays for corrective spectacle lenses, contact lenses and associated spectacle frames prescribed by an ophthalmologist or optometrist. Ophthalmologist or optometrist eye examination is claimable from this benefit. Lasik/laser surgery and tinted lenses are not covered under this benefit. up to S$380 20% co-insurance International Emergency Medical Assistance (IEMA) This benefit pays for the following services: - Evacuation where the local medical facilities are not adequate according to our appointed doctor - Evacuation will be to the nearest medical facility where treatment is adequate - Transportation for returning to the principal country of residence following the evacuation - Cost of one accompanying person while the covered person is being evacuated - Hotel accommodation of one accompanying person up to 10 days - Bringing the body or ashes back to a port or airport in the principal country of residence or home country if the covered person dies abroad as a result of an eligible medical condition. Included Not ApplicableDeductible

BENEFITS TABLE. Benefits Table (Plan A) Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Please note: Benefit values are per member each year unless otherwise specified and are reduced each time the member claims only by the net amount (less any annual deductible or co-insurance) we have actually paid. Please refer to the policy wordings on full terms applying to these benefits. Yearly maximum limit This is the maximum we will pay for each member each policy year. All benefits paid during the policy period will count against the yearly maximum. S$4,500,000 Area of cover This is the geographical area where you can choose to receive treatment. You can select your area of cover at time of application. Your chosen area of cover has an impact on your premium. Options: 1. Worldwide, or 2. Worldwide excluding USA, or 3. Asia Outside area of cover This benefit pays for emergency treatment, or treatment of a medical condition which arises suddenly whilst outside the selected area of cover. Emergency treatment only up to S$250,000 Annual Deductible Daily accommodation charges While admitted as an in-patient or day-patient, we will pay for the costs of your accommodation in the type of room shown in your benefits table. Wherever a member receives 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. Standard single room Annual Deductible Hospital charges This benefit pays for hospital charges given between admission and discharge including: 1) Diagnostic procedures 2) Surgical procedures 3) Operating theatre charges 4) Nursing care, drugs and dressings 5) Surgeons’ and anaesthetists’ charges 6) Intensive care unit charges 7) Consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it 8) Radiotherapy and chemotherapy 9) Kidney dialysis 10) Computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques 11) Special nursing in hospital Included Annual Deductible Organ transplant This benefit pays for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) have 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. Included Annual Deductible Reconstructive Surgery This benefit pays 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. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Living organ donor This benefit pays 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 : 1) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; 2) the transplant is in line with appropriate regulatory guidelines; 3) 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 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. up to S$60,000 Available only after 24 consecutive months membership Annual Deductible Companion accommodation We will pay for companion accommodation when the member is receiving eligible in-patient treatment within the area of cover. up to S$190 per night Annual Deductible New Born accommodation This benefit pays for the child who is less than 16 weeks to stay in the hospital while the insured mother is receiving eligible in-patient treatment. Included Annual Deductible Cash benefit Payable for eligible in-patient treatment only when the member receives treatment within area of cover and provided no cost for that treatment is claimed under this plan. S$300 per night Annual Deductible In-patient Rehabilitation This benefit pays for in-patient rehabilitation when: a) it is carried out by a medical practitioner specialising in rehabilitation; and b) it is carried out in a rehabilitation hospital or unit which is recognised by us; and c) the treatment could not be carried out on an out-patient basis, and d) the costs have been agreed, in writing by us before the rehabilitation begins. We will not pay for in-patient rehabilitation for more than twenty-eight (28) days except in cases such as in severe central nervous system damage caused by external trauma. For cases such as in severe central nervous system damage caused by external trauma, we will not pay for in-patient rehabilitation for more than one hundred eighty (180) days. Included Annual Deductible Pre-hospitalisation treatment (up to 90 days before admission) We will pay for consultation, prescribed investigations and essential medications received as an out-patient within 90 days prior to a hospitalisation, where such hospitalisation is eligible for cover under member’s plan and where the need for such hospitalisation has arisen as a direct result of the medical examination and investigation findings drawn from that consultation. Included Annual Deductible Post hospitalisation treatment (within 90 days after discharge) This benefit pays for follow-up out-patient consultation and treatment following an eligible in-patient or daycare surgery when such consultation is carried out by the in-patient treating medical practitioner or a referred medical practitioner and provided such consultation or treatment occurs within 90 days following the discharge from hospital or the date of the daycare surgery. Included Annual Deductible Primary and Specialist care This benefit pays for consultation, diagnostic procedures, prescribed drugs and dressings received as part of an out-patient treatment. Diagnostic tests include and are limited to laboratory, X-Rays and Ultrasound. Included 20% co-insurance Surgical procedures We will pay for any eligible surgical procedures received as an out-patient for an eligible medical condition. Included 20% co-insurance Emergency treatment due to accident This benefit pays for out-patient treatment due to accident required immediately (within 24 hours) following bodily injury arising from an accident, provided the member has been continuously covered under the policy since before the accident happened. Follow-up treatment for the same bodily injury will be covered up to 30 days from the date of the accident. Included 20% co-insurance Radiotherapy and chemotherapy We will pay for radiotherapy and chemotherapy received as an out-patient for an eligible medical condition at a registered medical facility recognised by us. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Kidney dialysis We will pay for kidney dialysis received as an out-patient for an eligible medical condition at registered medical facility recognised by us. Included Annual Deductible Computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans We will pay for computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans received as part of an eligible out-patient treatment. Included 20% co-insurance Hormone replacement therapy (HRT) We will pay Reconstructive Surgery This benefit pays for the consultations initial reconstructive surgery and the cost of the implants, injections, patches or tablets only when it is medically necessary and resulting from a medical intervention rather than for the relief of physio- logical symptoms. Where hormone replacement therapy is only required for the relief of menopausal symptoms,we will pay for consultation and prescribed implants, patches carried out to restore function after an accident or tablets up to the limit shown in the the benefit table applicable to member’s plan. Included (Hormone replacement therapy for relief of menopausal symptoms - up to S$200) 20% co-insurance Physiotherapy, occupational therapy and speech therapy Treatment given by any of these practitioners must be referred by the medical practitioner who has defined a diagnosis. Benefit is payable only following in-patient treatment surgery for an eligible medical condition, and provided that the member has been continuously covered under the policy since before the inaccident or surgery happened. Benefit for reconstructive surgery is subject to our pre-patient treatment commenced. Treatment given by any of these practitioners authorization and must be under done at a medically appropriate stage after the medical supervision of a medical practitioner. Medical supervision means that the reason for referral, where applicable, has been initiated by the medical practitioner who has defined a diagnosis. There must be a clear treatment plan from the practitioner with an end point and expected outcomeaccident or surgery. Included 20% co-insurance Consultation and treatment provided and prescribed by a qualified and registered chiropractor, podiatrist, dietitian, nutritionist, naturopath, acupuncturist, homeopath, osteopath, physiotherapist and Traditional Chinese medicine practitioner This benefit pays for the specified complementary and alternative therapist and practitioners. up to S$2,000 20% co-insurance Vaccination This benefit pays for necessary vaccinations. Consultation charge made in conjunction with vaccination can be claimed from this benefit where applicable. up to S$2,000 Available only after 90 consecutive days membership in the first policy year” 20% co-insurance Health screen This benefit includes the cost of any eligible consultation needed as part of the screening process. up to S$1,350 20% co-insurance Accidental damage to natural teeth This benefit pays for dental treatment required within 30 days following accidental damage to natural teeth caused by extra-oral impact. Benefit is not payable if: • the damage was caused by normal wear and tear • the injury was caused when boxing or playing rugby (except school rugby) unless appropriate mouth protection was worn • the damage was caused by tooth brushing or any other oral hygiene procedure • the damage is not apparent within seven days of the impact which caused the injury This benefit is available only if the member has been continuously covered under the policy since before the accident happened. Included 20% co-insurance Oral and maxillofacial surgery This benefit pays only for the following procedures performed by an oral and maxillofacial surgeon: - Surgical removal of impacted/un-erupted teeth and buried teeth which are diseased or causing symptoms - Surgical removal of complicated buried roots which are diseased or causing symptoms - Enucleation (removal) of cysts of the jaw - Treatment of cancers (For lesion or lump in the mouth) Pre-existing condition limitations apply to this benefit. Included 20% co-insurance Routine dental care This benefit pays for routine dental examination, extraction, fillings, scaling/polishing, x-ray, sealant, fluoride treatment, root canal treatment, implants, bridgework, crowns, treatment of gum disease, dentures, inlays and onlays. Pre-existing condition limitations are not applicable to this benefit. up to S$2,500 20% co-insurance Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Routine optical care This benefit pays for corrective spectacle lenses, contact lenses and associated spectacle frames prescribed by an ophthalmologist or optometrist. Ophthalmologist or optometrist eye examination is claimable from this benefit. Lasik/laser surgery and tinted lenses are not covered under this benefit. up to S$380 20% co-insurance International Emergency Medical Assistance (IEMA) This benefit pays for the following services: - Evacuation where the local medical facilities are not adequate according to our appointed doctor - Evacuation will be to the nearest medical facility where treatment is adequate - Transportation for returning to the principal country of residence following the evacuation - Cost of one accompanying person while the covered person is being evacuated - Hotel accommodation of one accompanying person up to 10 days - Bringing the body or ashes back to a port or airport in the principal country of residence or home country if the covered person dies abroad as a result of an eligible medical condition. Included Not ApplicableDeductible

BENEFITS TABLE. Benefits Table (Plan A) Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption insurance option is chosen Please note: Benefit values are per member each year unless otherwise specified and are reduced each time the member claims only by the net amount (less any annual deductible or co-insurance) we have actually paid. Please refer to the policy wordings on full terms applying to these benefits. Overall Annual Limit Yearly maximum limit This is the maximum we will pay for each member each policy year. All benefits paid during the policy period will count against the yearly maximum. S$4,500,000 S$4,000,000 Area of cover Area of cover This is the geographical area where you can choose to receive treatment. You can select your area of cover at time of application. Your chosen area of cover has an impact on your premium. Options: 1. Worldwide, or 2. Worldwide excluding USA, or 3. Asia Outside area of cover This benefit pays for emergency treatment, or treatment of a medical condition which arises suddenly whilst outside the selected area of cover. Emergency treatment only up to S$250,000 Annual Deductible In-patient and Daycare Treatment Daily accommodation charges While admitted as an in-patient or day-patient, we will pay for the costs of your accommodation in the type of room shown in your benefits table. Wherever a member receives 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. Standard single room Annual Deductible Hospital charges This benefit pays for hospital charges given between admission and discharge including: 1) Diagnostic procedures 2) Surgical procedures 3) Operating theatre charges 4) Nursing care, drugs and dressings 5) Surgeons’ and anaesthetists’ charges 6) Intensive care unit charges 7) Consultations and physiotherapy while admitted for treatment of an eligible medical condition and when such treatment directly relates to it 8) Radiotherapy and chemotherapy 9) Kidney dialysis 10) Computerized tomography, magnetic resonance imaging, x-rays and other such proven medical imaging techniques 11) Special nursing in hospital Included Annual Deductible Organ transplant This benefit pays for transplantation of kidneys, heart, liver, lung or bone marrow required as a result of an eligible medical condition and provided these organ(s) have 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. Included Annual Deductible Reconstructive Surgery This benefit pays 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. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Living organ donor This benefit pays 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 : 1) the operation and transplant is for the member’s family member (parent, sibling, child, spouse or partner) ; 2) the transplant is in line with appropriate regulatory guidelines; 3) 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 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. up to S$60,000 Available only after 24 consecutive months membership Annual Deductible Companion accommodation We will pay for companion accommodation when the member is receiving eligible in-patient treatment within the area of cover. up to S$190 per night Annual Deductible New Born accommodation This benefit pays for the child who is less than 16 weeks to stay in the hospital while the insured mother is receiving eligible in-patient treatment. Included Annual Deductible Cash benefit Payable for eligible in-patient treatment only when the member receives treatment within area of cover and provided no cost for that treatment is claimed under this plan. S$300 per night Annual Deductible In-patient Rehabilitation This benefit pays for in-patient rehabilitation when: a) it is carried out by a medical practitioner specialising in rehabilitation; and b) it is carried out in a rehabilitation hospital or unit which is recognised by us; and c) the treatment could not be carried out on an out-patient basis, and d) the costs have been agreed, in writing by us before the rehabilitation begins. We will not pay for in-patient rehabilitation for more than twenty-eight (28) days except in cases such as in severe central nervous system damage caused by external trauma. For cases such as in severe central nervous system damage caused by external trauma, we will not pay for in-patient rehabilitation for more than one hundred eighty (180) days. Included Annual Deductible Pre-hospitalisation treatment (up to 90 days before admission) We will pay for consultation, prescribed investigations and essential medications received as an out-patient within 90 days prior to a hospitalisation, where such hospitalisation is eligible for cover under member’s plan and where the need for such hospitalisation has arisen as a direct result of the medical examination and investigation findings drawn from that consultation. Included Annual Deductible Post hospitalisation treatment (within 90 days after discharge) This benefit pays for follow-up out-patient consultation and treatment following an eligible in-patient or daycare surgery when such consultation is carried out by the in-patient treating medical practitioner or a referred medical practitioner and provided such consultation or treatment occurs within 90 days following the discharge from hospital or the date of the daycare surgery. Included Annual Deductible Primary and Specialist care This benefit pays for consultation, diagnostic procedures, prescribed drugs and dressings received as part of an out-patient treatment. Diagnostic tests include and are limited to laboratory, X-Rays and Ultrasound. Included 20% co-insurance Surgical procedures We will pay for any eligible surgical procedures received as an out-patient for an eligible medical condition. Included 20% co-insurance Emergency treatment due to accident This benefit pays for out-patient treatment due to accident required immediately (within 24 hours) following bodily injury arising from an accident, provided the member has been continuously covered under the policy since before the accident happened. Follow-up treatment for the same bodily injury will be covered up to 30 days from the date of the accident. Included 20% co-insurance Radiotherapy and chemotherapy We will pay for radiotherapy and chemotherapy received as an out-patient for an eligible medical condition at a registered medical facility recognised by us. Included Annual Deductible Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Kidney dialysis We will pay for kidney dialysis received as an out-patient for an eligible medical condition at registered medical facility recognised by us. Included Annual Deductible Computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans We will pay for computerized tomography, magnetic resonance imaging, positron emission tomography and gait scans received as part of an eligible out-patient treatment. Included 20% co-insurance Hormone replacement therapy (HRT) We will pay for the consultations and the cost of the implants, injections, patches or tablets when it is medically necessary and resulting from a medical intervention rather than for the relief of physio- logical symptoms. Where hormone replacement therapy is only required for the relief of menopausal symptoms,we will pay for consultation and prescribed implants, patches or tablets up to the limit shown in the the benefit table applicable to member’s plan. Included (Hormone replacement therapy for relief of menopausal symptoms - up to S$200) 20% co-insurance Physiotherapy, occupational therapy and speech therapy Treatment given by any of these practitioners must be referred by the medical practitioner who has defined a diagnosis. Benefit is payable only following in-patient treatment for an eligible medical condition, provided that the member has been continuously covered under the policy since before the in-patient treatment commenced. Treatment given by any of these practitioners must be under the medical supervision of a medical practitioner. Medical supervision means that the reason for referral, where applicable, has been initiated by the medical practitioner who has defined a diagnosis. There must be a clear treatment plan from the practitioner with an end point and expected outcome. Included 20% co-insurance Consultation and treatment provided and prescribed by a qualified and registered chiropractor, podiatrist, dietitian, nutritionist, naturopath, acupuncturist, homeopath, osteopath, physiotherapist and Traditional Chinese medicine practitioner This benefit pays for the specified complementary and alternative therapist and practitioners. up to S$2,000 20% co-insurance Vaccination This benefit pays for necessary vaccinations. Consultation charge made in conjunction with vaccination can be claimed from this benefit where applicable. up to S$2,000 Available only after 90 consecutive days membership in the first policy year” 20% co-insurance Health screen This benefit includes the cost of any eligible consultation needed as part of the screening process. up to S$1,350 20% co-insurance Accidental damage to natural teeth This benefit pays for dental treatment required within 30 days following accidental damage to natural teeth caused by extra-oral impact. Benefit is not payable if: • the damage was caused by normal wear and tear • the injury was caused when boxing or playing rugby (except school rugby) unless appropriate mouth protection was worn • the damage was caused by tooth brushing or any other oral hygiene procedure • the damage is not apparent within seven days of the impact which caused the injury This benefit is available only if the member has been continuously covered under the policy since before the accident happened. Included 20% co-insurance Oral and maxillofacial surgery This benefit pays only for the following procedures performed by an oral and maxillofacial surgeon: - Surgical removal of impacted/un-erupted teeth and buried teeth which are diseased or causing symptoms - Surgical removal of complicated buried roots which are diseased or causing symptoms - Enucleation (removal) of cysts of the jaw - Treatment of cancers (For lesion or lump in the mouth) Pre-existing condition limitations apply to this benefit. Included 20% co-insurance Routine dental care This benefit pays for routine dental examination, extraction, fillings, scaling/polishing, x-ray, sealant, fluoride treatment, root canal treatment, implants, bridgework, crowns, treatment of gum disease, dentures, inlays and onlays. Pre-existing condition limitations are not applicable to this benefit. up to S$2,500 20% co-insurance Benefits Table Plan A Only applicable when Annual Deductible/ Co-insuranceoption is chosen Routine optical care This benefit pays for corrective spectacle lenses, contact lenses and associated spectacle frames prescribed by an ophthalmologist or optometrist. Ophthalmologist or optometrist eye examination is claimable from this benefit. Lasik/laser surgery and tinted lenses are not covered under this benefit. up to S$380 20% co-insurance International Emergency Medical Assistance (IEMA) This benefit pays for the following services: - Evacuation where the local medical facilities are not adequate according to our appointed doctor - Evacuation will be to the nearest medical facility where treatment is adequate - Transportation for returning to the principal country of residence following the evacuation - Cost of one accompanying person while the covered person is being evacuated - Hotel accommodation of one accompanying person up to 10 days - Bringing the body or ashes back to a port or airport in the principal country of residence or home country if the covered person dies abroad as a result of an eligible medical condition. Included Not ApplicableDeductible