Common use of Dental Treatment Clause in Contracts

Dental Treatment. Accidental damage to natural teeth Under accidental damage to teeth, we will pay for treatment required (within thirty (30) days) following accidental damage to natural teeth caused by extra-oral impact when that treatment is given by a medical practitioner, provided that the member has been continuously covered under the policy since before the accident happened. 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 (7) days of the impact which caused the injury Please note: There is no cover for treatment required as the result of the consumption of food or drink or any foreign bodies contained in such food or drink. Oral and maxillofacial surgery This benefit pays for the following procedures performed by an oral and maxillofacial surgeon: (i) Surgical removal of impacted/un-erupted teeth and buried teeth which are diseased or causing symptoms; (ii) Surgical removal of complicated buried roots which are diseased or causing symptoms; (iii) Enucleation (removal) of cysts of the jaw; (iv) Treatment of cancers (For lesion or lump in the mouth); Necessary treatment to Temporal Mandibular Joint (TMJ) such as physiotherapy and surgery are covered under the respective benefits of this policy. For avoidance of doubt, the maximum benefit payable shall be limited to the amount applicable on the “Pre-existing Conditions” benefit for members insured on Plan A or B after a waiting period of two hundred seventy (270) consecutive days if the oral and maxillofacial surgery is required for an eligible pre-existing condition. For members insured on Plan C, no benefit shall be payable for oral and maxillofacial surgery required as a result of a pre-existing condition. Please note: this benefit does not cover routine dental care. Routine dental care (Plan A and B only) We will pay up to the limit shown for dental examination, extraction, fillings, root canal treatment, scaling/polishing, bridgework, crowns, implants, dentures, x-ray, sealant, inlays and onlays, fluoride treatment and the treatment of gum disease. The limitations applied to pre-existing conditions are not applicable to this benefit. Benefits Clarifications

Dental Treatment. Accidental damage to natural teeth Under accidental damage to teeth, we will pay for treatment required (within thirty (30) days) following accidental damage to natural teeth caused by extra-oral impact when that treatment is given by a medical dental practitioner, provided that the member has been continuously covered under the policy since before the accident happened. Benefit is not payable if: • (a) the damage was caused by normal wear and tear • (b) the injury was caused when boxing or playing rugby (except school rugby) unless appropriate mouth protection was worn • (c) the damage was caused by tooth brushing or any other oral hygiene procedure • (d) the damage is not apparent within seven (7) days of the impact which caused the injury Please note: There is no cover for treatment required as the result of the consumption of food or drink or any foreign bodies contained in such food or drink. Oral and maxillofacial surgery This benefit pays for the following procedures performed by an oral and maxillofacial surgeon: (ia) Surgical removal of impacted/un-erupted teeth and buried teeth which are diseased or causing symptoms; (iib) Surgical removal of complicated buried roots which are diseased or causing symptoms; (iiic) Enucleation (removal) of cysts of the jaw; (ivd) Treatment of cancers (For lesion or lump in the mouth); Necessary treatment to (e) Treatment of Temporal Mandibular Joint (TMJ) such as (except physiotherapy and surgery are covered for Temporal Mandibular Joint (TMJ) which is paid under the respective benefits of this policy. ‘Alternative Treatment’ benefit as provided for by your plan) For avoidance of doubt, the maximum benefit payable shall be limited to the amount applicable on the “Pre-existing Conditions” benefit for members insured on Plan A or B after a waiting period of two hundred seventy (270) consecutive days if the oral and maxillofacial surgery is required for an eligible pre-existing condition. For members insured on Plan C, no benefit shall be payable for oral and maxillofacial surgery required as a result of a pre-existing condition. Please note: this benefit does not cover routine dental care. Routine dental care (Plan A and B only) We will pay up to the limit shown for dental examination, extraction, fillings, root canal treatment, scaling/polishing, bridgework, crowns, implants, dentures, x-ray, sealant, inlays and onlays, fluoride treatment and the treatment of gum disease. The limitations applied to pre-existing conditions are not applicable to this benefit. Benefits Clarifications

Dental Treatment. Accidental damage to natural teeth Under accidental damage to teeth, we will pay for treatment required (within thirty (30) days) following accidental damage to natural teeth caused by extra-oral impact when that treatment is given by a medical dental practitioner, provided that the member has been continuously covered under the policy since before the accident happened. Benefit is not payable if: • (a) the damage was caused by normal wear and tear • (b) the injury was caused when boxing or playing rugby (except school rugby) unless appropriate mouth protection was worn • (c) the damage was caused by tooth brushing or any other oral hygiene procedure • (d) the damage is not apparent within seven (7) days of the impact which caused the injury Please note: There is no cover for treatment required as the result of the consumption of food or drink or any foreign bodies contained in such food or drink. Oral and maxillofacial surgery This benefit pays for the following procedures performed by an oral and maxillofacial surgeon: (ia) Surgical removal of impacted/un-erupted teeth and buried teeth which are diseased or causing symptoms; (iib) Surgical removal of complicated buried roots which are diseased or causing symptoms; (iiic) Enucleation (removal) of cysts of the jaw; (ivd) Treatment of cancers (For lesion or lump in the mouth); Necessary treatment to (e) Treatment of Temporal Mandibular Joint (TMJ) such as (except physiotherapy and surgery are covered for Temporal Mandibular Joint (TMJ) which is paid under the respective benefits of this policy. ‘Alternative Treatment’ benefit as provided for by your plan) For avoidance of doubt, the maximum benefit payable shall be limited to the amount applicable on the “Pre-existing Conditions” benefit for members insured on Plan A or B after a waiting period of two hundred seventy (270) consecutive days if the oral and maxillofacial surgery is required for an eligible pre-existing condition. For members insured on Plan C, no benefit shall be payable for oral and maxillofacial surgery required as a result of a pre-existing condition. Please note: this benefit does not cover routine dental care. Routine dental care Emergency Evacuation and Repatriation International Emergency Medical Assistance (Plan A and B only‘IEMA’) We will pay up Please refer to the limit shown Section 3.3 for dental examination, extraction, fillings, root canal treatment, scaling/polishing, bridgework, crowns, implants, dentures, x-ray, sealant, inlays and onlays, fluoride treatment and more details on International Emergency Medical Assistance. New born cover New born cover - acute medical condition This benefit pays for the treatment of gum diseaseacute medical condition, provided there is no underlying congenital condition developed in a new born baby including nursing of pre-mature baby (i.e. where birth is prior to thirty-seven (37) weeks gestation) in Neonatal Intensive Care Unit (NICU). The limitations applied to precommon acute medical conditions for new born babies include neonatal jaundice, colic, diarrhea, constipation, vomiting and ear infection. This benefit is only available if: (a) the parent of the new born baby has been covered under InternationalExclusive for three hundred sixty-existing conditions are not applicable to this benefitfive (365) consecutive days or more when the baby is born; and (b) the new born baby is added into the insured parent’s policy within thirty (30) days from birth; and (c) both parent and baby have been continuously covered under the policy and the policy is in force when the treatment is received. Benefits ClarificationsThis benefit is paid from the insured baby’s plan. This benefit covers treatment received by a new born baby during the first thirty (30) days after birth. After thirty (30) days, treatment can be covered under the main benefits of the insured baby’s plan. Please see Section 1.5 - ‘Persons eligible’ for details on eligibility.