Common use of Maternity Benefit Clause in Contracts

Maternity Benefit. We will indemnify the Maternity Expenses incurred during the Policy Period provided that: a. This benefit is available only if: i. The female Insured Person of Age 18 years or above is covered under a Family First Policy; or ii. Both the Insured Person and his / her legally married spouse are covered under a Family Floater Policy. b. This Benefit cannot be availed under an Individual Policy. c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us. d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice during the lifetime of the Policy including any Renewal thereafter for the delivery of a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits. h. On Renewal, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh to the extent of the increased benefit amount. We shall not be liable to make any payment in respect of the following: a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will be covered under the Section 2.1 (Inpatient Care) and shall not fall under the Maternity Benefit. c. Sections 2.2 (Pre-hospitalization Medical Expenses) and Section 2.3 (Post- hospitalization Medical Expenses) are not payable under this benefit. d. Any Maternity Expenses or complications arising from or relating to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from the inception of the First Policy with Us. e. Pre-natal and post-natal Medical Expenses are not payable under this benefit.

Maternity Benefit. We will indemnify the Maternity Expenses incurred during the Policy Period provided that: a. This benefit is available only if: i. The female Insured Person of Age 18 years or above is covered under a Family First Policy; or ii. Both the Insured Person and his / her legally married spouse are covered under a Family Floater Policy. b. This Benefit cannot be availed under an Individual Policy. c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us. d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice during the lifetime of the Policy including any Renewal thereafter for the delivery of a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits. h. On Renewal, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh to the extent of the increased benefit amount. We shall not be liable to make any payment in respect of the following:. a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will be covered under the Section 2.1 (Inpatient Care) and shall not fall under the Maternity Benefit. c. Sections 2.2 (Pre-hospitalization Medical Expenses) and Section 2.3 (Post- hospitalization Medical Expenses) are not payable under this benefit. d. Any Maternity Expenses or complications arising from or relating to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from the inception of the First Policy with Us. e. Pre-natal and post-natal Medical Expenses are not payable under this benefit.

Maternity Benefit. Investigation into Infertility (Plan A only) We will indemnify pay for investigation and treatment of the Maternity Expenses cause of infertility. This benefit becomes available and eligible claims payable for expenses incurred after the member has been continuously covered under Plan A for at least eighteen (18) months. Pre and post-natal complications Benefit only becomes available and eligible claims payable for expenses incurred after the female member over the age of eighteen (18) years has been continuously covered under their chosen plan for three hundred sixty-five (365) consecutive days and has effected the annual renewal of that plan for the coming policy year. This benefit pays for treatment of an eligible medical condition which is due to and occurs to the female member during the Policy Period provided that: a. pregnancy prior to or after the childbirth. The list of eligible pre- and post- natal complications include the following: • Antiphospholipid syndrome, • Cervical incompetence, • Ectopic pregnancy, • Gestational diabetes, • Hydatidiform mole – molar pregnancy, • Hyperemesis gravidarum, • Obstetric cholestasis, • Pre-eclampsia / Eclampsia, • Rhesus (RH) factor, • Miscarriage requiring immediate surgical intervention, • Post partum haemorrhage, • Retained placental membrane Under post-natal complications, we will only pay for treatment received within ninety (90) days following the childbirth. This benefit does not cover: the costs of any childbirth whether such childbirth is available only if: i. The female Insured Person normal, by caesarean section or by any other assisted means, or any pre- and post-complication arising from elective or non-medically necessary caesarean section birth. treatment of Age 18 years or above any medical condition which is covered under a Family First Policy; or ii. Both the Insured Person due to and his / her legally married spouse are covered under a Family Floater Policy. b. This Benefit cannot be availed under an Individual Policy. c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us. d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice occurs during the lifetime pregnancy prior to prior to or after the childbirth if the pregnancy was a result of the Policy including any Renewal thereafter for the delivery form of assisted means or assisted conception/assisted pregnancy. Whilst we recognize that caesarean section may sometimes be a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits. h. On Renewalmedical necessity, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh to the extent of the increased benefit amount. We shall not be liable to make any payment in respect of the following: a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will caesarean section can only be covered under the Section 2.1 (Inpatient Care) “Pregnancy and shall not fall under the Maternity Benefit. c. Sections 2.2 (Pre-hospitalization Medical Expenses) and Section 2.3 (Post- hospitalization Medical Expenses) childbirth” benefit for member insured on Plan A. Please note: If we are not able to determine that a caesarean section is medically necessary we will consider it as not medically necessary. Pregnancy and childbirth (Plan A only) Benefit is available and eligible claims are payable for expenses incurred after the member has been continuously covered under Plan A for three hundred sixty-five (365) consecutive days and has effected the annual renewal of that plan for the coming policy year. This benefit is only available for female member over the age of eighteen (18) years, and covers the following in aggregate, up to the limit shown for your plan: • routine pre-natal care • childbirth • routine post-natal care up to forty-two (42) days following birth We will also pay for normal, routine pregnancy and 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. d. , falls across the policy anniversary, and provided the policy, including this benefit, has been renewed for the subsequent policy year For birth through vaginal childbirth and medically necessary caesarean section, we will pay for the childbirth costs up to the limit shown for this benefit in the benefits table. Any Maternity Expenses or complications of pregnancy will be paid from “Pre- & post-natal complications” benefit. For birth through non medically necessary caesarean section, we will pay for the childbirth costs up to the costs of a normal childbirth. 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 or relating to pregnancy, complication of pregnancy or termination of pregnancy within 24 months such childbirth will be paid from the inception of the First Policy with Us. e. Pre-natal and ‘Pre- & post-natal Medical Expenses are complications’ benefit. Please note: this benefit is only payable when 365 consecutive days membership is achieved and since policy commencement date the member is subject to 1) compulsory annual deductible & co-insurance; 2) the male spouse/ partner Plan A membership is in-force or the female member paid the agreed premium loading. The member is not payable under this benefitentitled to the ‘Pregnancy and Childbirth’ benefit when any of these conditions have not been met.

Maternity Benefit. We will indemnify Investigation into infertility This benefit pays for investigation and treatment of the Maternity Expenses incurred cause of infertility. No benefit 20% co-insurance Pre and post-natal complications This benefit pays for treatment of an eligible medical condition which is due to and occurs during the Policy Period provided that: a. pregnancy prior to or after the childbirth for female member over the age of 18 years. Under post-natal complications, we will only pay for treatment received within 90 days following the childbirth. This benefit does not cover: - the costs of any childbirth whether such childbirth is available only if: i. The female Insured Person normal, by caesarean section or by any other assisted means, or - any complication arising from non medically necessary caesarean section birth. - treatment of Age 18 years or above any medical condition which is covered under a Family First Policy; or ii. Both the Insured Person due to and his / her legally married spouse are covered under a Family Floater Policy. b. This Benefit cannot be availed under an Individual Policy. c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us. d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice occurs during the lifetime pregnancy prior to or after the childbirth if the pregnancy was a result of the Policy including any Renewal thereafter for the delivery form of assisted conception. Whilst we recognize that caesarean section may sometimes be a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits. h. On Renewalmedical necessity, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh to the extent of the increased benefit amount. We shall not be liable to make any payment in respect of the following: a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will caesarean section can only be covered under the Section 2.1 (Inpatient Care) benefit “pregnancy and childbirth”. For avoidance of doubt, this benefit shall not fall under be payable if the: • childbirth is through non medically necessary caesarean birth, and/or • conception of the Maternity Benefit. c. Sections 2.2 (Pre-hospitalization Medical Expenses) and Section 2.3 (Post- hospitalization Medical Expenses) child is conceived by artificial means or any form of assisted conception. Please note: If we are not payable under this benefit. d. Any Maternity Expenses or complications arising from or relating able to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from the inception of the First Policy with Us. e. Predetermine that a caesarean section is medically necessary we will consider it as not medically necessary. Included Available only after 365 consecutive days membership 20% co-insurance Pregnancy and childbirth This benefit pays for routine pre-natal care, childbirth and routine post-natal care up to 6 weeks following birth for female member over the age of 18 years. The limit shown is the maximum benefit for each policy year (even if there is more than one pregnancy) or each pregnancy (even if an eligible pregnancy falls across the policy anniversary) provided the policy with this benefit has been renewed. The limit shown applies in aggregate for pre-natal, childbirth and post-natal Medical Expenses care. For birth through vaginal childbirth and medically necessary caesarean section, we will pay for the delivery costs within the limit shown in the benefits table. Any complications of pregnancy will be paid from ‘Pre- & post-natal complications’ benefit. For birth through non medically necessary caesarean section, we will pay for the childbirth costs up to the costs of a natural childbirth. 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 from “Pre- & post-natal complications’ benefit. ‘Pregnancy and Childbirth’ benefit is only payable when 365 consecutive days membership is achieved and 1). subject to compulsory annual deductible & co-insurance; 2). male spouse/partner Plan A membership must be in-force or the female member paid the agreed premium loading. The member is not entitled to the ‘Pregnancy and Childbirth’ benefit when any of these conditions have not been met. No benefit 20% co-insurance Acute medical condition (excluding congenital conditions) This benefit pays for the treatment of acute medical condition, providing 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 37 weeks gestation) in Neonatal Intensive Care Unit (NICU). Common 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 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 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. This benefit is paid from the insured baby’s plan. This benefit covers treatment received by a new born baby during the first 30 days after birth. After 30 days, treatment can be covered under the main benefits of the insured baby’s plan. Included Annual Deductible Benefits Table Plan C Only applicable when Annual Deductible/ Co-insuranceoption is chosen Treatment of congenital conditions This benefit pays for treatment of congenital conditions. The benefit becomes available if: a) the parent of the new born baby has been covered under InternationalExclusive Plan A for 365 days or more when the baby is born; and b) the new born baby is added into the insured parent’s policy within 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. This benefit is paid from the insured baby’s plan. Please note: 1) Treatment for congenital conditions which do not fulfill all above criteria will be paid from ‘Pre-existing Condition/Congenital Conditions’ benefit. 2) Once the limit for this benefit is reached, no other benefit (including ‘Pre-existing Conditions/ Congenital Conditions’ benefit.) will be payable for the congenital condition(s) which was (were) claimed from this benefit for the remaining policy year. No benefit Annual Deductible

Maternity Benefit. We will indemnify Investigation into infertility This benefit pays for investigation and treatment of the Maternity Expenses incurred cause of infertility. No benefit 20% co-insurance Pre and post-natal complications This benefit pays for treatment of an eligible medical condition which is due to and occurs during the Policy Period provided that: a. pregnancy prior to or after the childbirth for female member over the age of 18 years. Under post-natal complications, we will only pay for treatment received within 90 days following the childbirth. This benefit does not cover: - the costs of any childbirth whether such childbirth is available only if: i. The female Insured Person normal, by caesarean section or by any other assisted means, or - any complication arising from non medically necessary caesarean section birth. - treatment of Age 18 years or above any medical condition which is covered under a Family First Policy; or ii. Both the Insured Person due to and his / her legally married spouse are covered under a Family Floater Policy. b. This Benefit cannot be availed under an Individual Policy. c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us. d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice occurs during the lifetime pregnancy prior to or after the childbirth if the pregnancy was a result of the Policy including any Renewal thereafter for the delivery form of assisted conception. Whilst we recognize that caesarean section may sometimes be a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits. h. On Renewalmedical necessity, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh to the extent of the increased benefit amount. We shall not be liable to make any payment in respect of the following: a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will caesarean section can only be covered under the Section 2.1 (Inpatient Care) benefit “pregnancy and childbirth”. For avoidance of doubt, this benefit shall not fall under be payable if the: • childbirth is through non medically necessary caesarean birth, and/or • conception of the Maternity Benefit. c. Sections 2.2 (Pre-hospitalization Medical Expenses) and Section 2.3 (Post- hospitalization Medical Expenses) child is conceived by artificial means or any form of assisted conception. Please note: If we are not payable under this benefit. d. Any Maternity Expenses or complications arising from or relating able to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from the inception of the First Policy with Us. e. Predetermine that a caesarean section is medically necessary we will consider it as not medically necessary. Included Available only after 365 consecutive days membership 20% co-insurance Pregnancy and childbirth This benefit pays for routine pre-natal care, childbirth and routine post-natal care up to 6 weeks following birth for female member over the age of 18 years. The limit shown is the maximum benefit for each policy year (even if there is more than one pregnancy) or each pregnancy (even if an eligible pregnancy falls across the policy anniversary) provided the policy with this benefit has been renewed. The limit shown applies in aggregate for pre-natal, childbirth and post-natal Medical Expenses care. For birth through vaginal childbirth and medically necessary caesarean section, we will pay for the delivery costs within the limit shown in the benefits table. Any complications of pregnancy will be paid from ‘Pre- & post-natal complications’ benefit. For birth through non medically necessary caesarean section, we will pay for the childbirth costs up to the costs of a natural childbirth. 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 from “Pre- & post-natal complications’ benefit. ‘Pregnancy and Childbirth’ benefit is only payable when 365 consecutive days membership is achieved and 1). subject to compulsory annual deductible & co-insurance; 2). male spouse/partner Plan A membership must be in-force or the female member paid the agreed premium loading. The member is not entitled to the ‘Pregnancy and Childbirth’ benefit when any of these conditions have not been met. No benefit 20% co-insurance Acute medical condition (excluding congenital conditions) This benefit pays for the treatment of acute medical condition, providing 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 37 weeks gestation) in Neonatal Intensive Care Unit (NICU). Common 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 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 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. This benefit is paid from the insured baby’s plan. This benefit covers treatment received by a new born baby during the first 30 days after birth. After 30 days, treatment can be covered under the main benefits of the insured baby’s plan. Included Annual Deductible Benefits Table Plan B Only applicable when Annual Deductible/ Co-insuranceoption is chosen Treatment of congenital conditions This benefit pays for treatment of congenital conditions. The benefit becomes available if: a) the parent of the new born baby has been covered under InternationalExclusive Plan A for 365 days or more when the baby is born; and b) the new born baby is added into the insured parent’s policy within 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. This benefit is paid from the insured baby’s plan. Please note: 1) Treatment for congenital conditions which do not fulfill all above criteria will be paid from ‘Pre-existing Condition/Congenital Conditions’ benefit. 2) Once the limit for this benefit is reached, no other benefit (including ‘Pre-existing Conditions/ Congenital Conditions’ benefit.) will be payable for the congenital condition(s) which was (were) claimed from this benefit for the remaining policy year. No benefit Annual Deductible

Maternity Benefit. We will indemnify the Maternity Expenses incurred in respect of the Insured Person whilst on a Trip during the Policy Period of Insurance for Hospitalization of the Insured Person for the delivery of the Insured Person’s child provided that: a. This benefit is available only if: i. The female Insured Person of Age 18 years or above is covered under a Family First Policy; or ii. Both the Insured Person (i) Part D – Exclusions I.7 and his / her legally married spouse are covered under a Family Floater Policy. b. This Benefit cannot be availed under an Individual Policy. c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us. d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice during the lifetime III.10 of the Policy including any Renewal thereafter for the delivery of a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits. h. On Renewal, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh Wordings shall stand deleted to the extent of this Benefit only. (ii) Claims under this Benefit are admissible only if the increased benefit amount. Maternity Expenses are incurred in a Hospital for delivery of the child as an in-patient. (iii) The delivery occurs after the completion of the waiting period specified in the Policy Schedule / Certificate of Insurance. (iv) We shall not be liable to make any payment under this Benefit in respect of the following: a. Expenses incurred in respect Insured Person more than 2 events of deliveries during the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will be covered under the Section 2.1 (Inpatient Care) and shall not fall under the Maternity BenefitInsured Person’s lifetime. c. Sections 2.2 (Pre-hospitalization Medical Expensesv) and Section 2.3 (Post- hospitalization Medical Expenses) are not payable under this benefit. d. Any Maternity Expenses or complications arising from or relating to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from We shall cover the inception of the First Policy with Us. e. Prereasonable pre-natal and post-natal Medical Expenses are expenses necessarily incurred, up to the limits as specified in the Policy Schedule/Certificate of Insurance provided that the condition necessitates treatment in a Hospital and the Insured Person is Hospitalized. (vi) Hospitalization to treat maternity related complications which do not payable require delivery of the child shall be indemnified under this benefitBenefit up to the limits as specified in the Policy Schedule/Certificate of Insurance provided that the condition necessitates treatment in a Hospital and the Insured Person is Hospitalized. (vii) We shall only accept such number of claims under this benefit during the Period of Insurance as is specified under Maternity Benefit in the Policy Schedule / Certificate of Insurance. (viii) Cover will be applicable only to the female (above 18 years of age) who is insured under policy

Maternity Benefit. We will indemnify Investigation into infertility This benefit pays for investigation and treatment of the cause of infertility. up to S$2,500 in a member’s lifetime Available only after 18 consecutive months membership 20% co-insurance Benefits Table (Plan A) (Continued) Benefits Table Plan A Only applicable when Annual Deductible/ Co-insurance option is chosen Maternity Expenses incurred Benefit Pre and post-natal complications This benefit pays for treatment of an eligible medical condition which is due to and occurs during the Policy Period pregnancy prior to the delivery or after the delivery for female member over the age of 18 years. Under post-natal complications, we will only pay for treatment received within 90 days following the delivery. This benefit does not cover: - the costs of delivery of any child whether such delivery is normal, by caesarean section or by any other assisted means, or - any complication arising from non medically necessary caesarean section birth. - treatment of any medical condition which is due to and occurs during the pregnancy prior to the delivery or after the delivery if the pregnancy was a result of any form of assisted conception. Whilst we recognize that caesarean section may sometimes be a medical necessity, caesarean section can only be covered under the benefit “pregnancy and delivery”. For avoidance of doubt, this benefit shall not be payable if the: • delivery of birth is through non medically necessary caesarean birth, and/or • conception of the child is conceived by artificial means or any form of assisted conception. Please note: If we are not able to determine that a caesarean section is medically necessary we will consider it as not medically necessary. Included Available only after 365 consecutive days membership 20% co-insurance Pregnancy and delivery This benefit pays for routine pre-natal care, delivery and routine post-natal care up to 6 weeks following birth for female member over the age of 18 years. The limit shown is the maximum benefit for each policy year (even if there is more than one pregnancy) or each pregnancy (even if an eligible pregnancy falls across the policy anniversary) provided that: a. the policy with this benefit has been renewed. The limit shown applies in aggregate for pre-natal, delivery and post-natal care. For birth through vaginal delivery and medically necessary caesarean section, we will pay for the delivery costs within the limit shown in the benefits table. Any complications arising from such delivery will be paid from ‘Pre- & post-natal complications’ benefit. For birth through non medically necessary caesarean section, we will pay for the delivery costs up to the costs of a normal delivery. The complications arising from such delivery will be paid up to the remainder of the ‘Pregnancy and Delivery’ limit. Please note: If we are not able to determine that a caesarean section is medically necessary we will consider it is not medically necessary. up to S$22,000 Available only after 365 consecutive days membership 20% co-insurance New Born Cover Acute medical condition (excluding congenital conditions) This benefit pays for the treatment of acute medical condition, providing 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 37 weeks gestation) in Neonatal Intensive Care Unit (NICU). Common acute medical conditions for new born babies include neonatal jaundice, colic, diarrhea, constipation, vomiting and ear infection. This benefit is only available only if: i. The female Insured Person : a) the parent of Age 18 years or above is the new born baby has been covered under a Family First PolicyInternationalExclusive for 365 consecutive days or more when the baby is born; or ii. Both and b) the Insured Person new born baby is added into the insured parent’s policy within 30 days from birth; and his / her legally married spouse are c) both parent and baby have been continuously covered under the policy and the policy is in force when the treatment is received. This benefit is paid from the insured baby’s plan. This benefit covers treatment received by a Family Floater Policy. b. new born baby during the first 30 days after birth. After 30 days, treatment can be covered under the main benefits of the insured baby’s plan. Included Annual Deductible Treatment of congenital conditions This Benefit cannot be availed benefit pays for treatment of congenital conditions. The benefit becomes available if: a) the parent of the new born baby has been covered under an Individual Policy. c. The female Insured Person in respect of whom a claim InternationalExclusive Plan A for Maternity Benefits 365 days or more when the baby is made must born; and b) the new born baby is added into the insured parent’s policy within 30 days from birth; and c) both parent and baby have been continuously covered as under the policy and the policy is in force when the treatment is received. This benefit is paid from the insured baby’s plan. Please note: 1) Treatment for congenital conditions which do not fulfill all above criteria will be paid from ‘Pre-existing Condition/Congenital Conditions’ benefit. 2) Once the limit for this benefit is reached, no other benefit (including ‘Pre-existing Conditions/ Congenital Conditions’ benefit) will be payable for the congenital condition(s) which was (were) claimed from this benefit for the remaining policy year. up to S$65,000 Annual Deductible Benefits Table (Plan A) (Continued) Benefits Table Plan A Only applicable when Annual Deductible/ Co-insurance option is chosen Other Benefits Home nursing This benefit pays for charges incurred by an Insured Person attending registered and qualified nurse for a period member and only when the following conditions are met: (i) after his discharge from hospital which the member has been warded in the intensive care unit for an eligible medical condition or undergone for an eligible daycare surgery, and (ii) agreed in writing by us beforehand that it is medically necessary and appropriate, and (iii) it is prescribed by the treating medical practitioner for the continued treatment for the eligible medical condition which the member was hospitalised for, and (iv) when such services are essential for medical as distinct from domestic reasons. For avoidance of 24 months of continuous coverage since doubt, the inception charges refer to the fees for the service of the First Policynurse incurred for nursing at home. For terminal medical condition, with maternity as this benefit is payable under ‘Hospice and Palliative Care’ and subject to the limitations applicable to that benefit. Included 20% co-insurance Local road ambulance transport This benefit pays for medically necessary emergency road ambulance transport to or between hospitals. Included 20% co-insurance Psychiatric treatment This benefit pays for in-patient, daycare and out-patient treatment (subject to availability of out-patient benefit for your plan) of psychiatric illnesses in aggregate. All treatments given by psychologists, psychotherapists or any individuals other than a benefitregistered psychiatrist must be pre-authorised by us. up to S$10,000 20% co-insurance Pre-existing conditions and congenital conditions This benefit pays for: a) all declared and accepted eligible conditions that existed or for which there were symptoms before the commencement of cover, with Us. d. For or reinstatement date, or the purposes introduction of this benefit, We shall consider any eligibility period whichever is later; or b) treatment of congenital conditions (whether existing before or after the commencement of cover). Years 1 & 2 : up to S$3,000 Available only after 270 consecutive days membership Subsequent years: up to S$6,000 This depends on the treatment received, and whether it is co-insurance or annual deductible will depend on what is stated on each benefit. Treatment for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred HIV/AIDS as a result of occupational accident or blood transfusion This benefit becomes available when signs or symptoms are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice during the lifetime of the Policy including any Renewal thereafter present for the delivery of a child or Medically Necessary and lawful termination of pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related to the complication of pregnancy or termination will be treated within the maternity sub limits. h. On Renewal, if an enhanced Sum Insured is applied, 24 first time after 36 months of continuous coverage (as per Section 2.7 c.) would apply afresh membership. up to S$13,000 Available after 36 consecutive months membership 20% co-insurance Artificial limbs This benefit pays for all the extent of costs associated with fitting artificial limbs, including the increased benefit amountartificial limbs, its maintenance, consultations and necessary medical or surgical procedures. We shall not be liable to make any payment in respect of Benefit is only payable following a surgery or an accident for an eligible medical condition provided that the following: a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will be member has been continuously covered under the Section 2.1 policy since before the accident or surgery happened. up to S$3,800 every 3 years 20% co-insurance Medical aids and durable medical equipments This benefit pays for instruments or devices or durable medical equipments which are prescribed by the medical practitioner as a medically necessary aid to the function or capacity such as and limited to compression stockings, hearing aids, speaking aids (Inpatient Careelectronic larynx), wheelchairs, crutches, corrective splint and orthopaedic supports. up to S$600 20% co-insurance Hospice and palliative care This benefit becomes available when the member is admitted to a specialist palliative care centre or hospice, recognised by us, following diagnosis, written confirmation (including medical evidence) by a medical practitioner that the member is suffering from an eligible terminal medical condition or conditions. up to S$52,000 in a member’s lifetime Available only after 365 consecutive days membership Annual deductible Wellness Assistance This benefit pays for the following services: - Confidential intake assessment/telephone counseling - Confidential scheduled/contracted telephone support - Up to five (5) sessions of face to face counseling and shall psychological therapy per member policy year Included Not Applicable Benefits Table (Plan B) Benefits Table Plan B Only applicable when Annual Deductible/ Co-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$3,000,000 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 fall 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 Maternity Benefit. c. Sections 2.2 (Prepolicy since before the accident or surgery happened. Benefit for reconstructive surgery is subject to our pre-hospitalization Medical Expenses) authorization and Section 2.3 (Post- hospitalization Medical Expenses) are not payable under this benefit. d. Any Maternity Expenses must be done at a medically appropriate stage after the accident or complications arising from or relating to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from the inception of the First Policy with Us. e. Pre-natal and post-natal Medical Expenses are not payable under this benefit.surgery. Included Annual Deductible

Maternity Benefit. Investigation into Infertility (Plan A only) We will indemnify pay for investigation and treatment of the Maternity Expenses cause of infertility. This benefit becomes available and eligible claims payable for expenses incurred after the member has been continuously covered under Plan A for at least eighteen (18) months. Pre and post-natal complications Benefit only becomes available and eligible claims payable for expenses incurred after the female member over the age of eighteen (18) years has been continuously covered under their chosen plan for three hundred sixty-five (365) consecutive days and has effected the annual renewal of that plan for the coming policy year. This benefit pays for treatment of an eligible medical condition which is due to and occurs to the female member during the Policy Period provided that: a. This benefit is available only if: i. The female Insured Person of Age 18 years pregnancy prior to the delivery or above is covered under a Family First Policy; or ii. Both the Insured Person and his / her legally married spouse are covered under a Family Floater Policy. b. This Benefit cannot be availed under an Individual Policy. c. The female Insured Person in respect of whom a claim for Maternity Benefits is made must have been covered as an Insured Person for a period of 24 months of continuous coverage since the inception of the First Policy, with maternity as a benefit, with Us. d. For the purposes of this benefit, We shall consider any eligibility period for maternity benefits served by the Insured Person under any previous policy with Us. e. The Maternity Expenses incurred are Reasonable and Customary Charges. f. The Maternity Benefit may be claimed under the Policy in respect of eligible Insured Person(s) only twice during the lifetime of the Policy including any Renewal thereafter for after the delivery of a child. The list of eligible pre- and post- natal complications include the following: • Antiphospholipid syndrome, • Cervical incompetence, • Ectopic pregnancy, • Gestational diabetes, • Hydatidiform mole – molar pregnancy, • Hyperemesis gravidarum, • Obstetric cholestasis, • Pre-eclampsia / Eclampsia, • Rhesus (RH) factor, • Threatened miscarriage, • Post partum haemorrhage, • Retained placental membrane Under post-natal complications, we will only pay for treatment received within ninety (90) days following the delivery of child. This benefit does not cover: the costs of delivery of any child whether such delivery is normal, by caesarean section or Medically Necessary by any other assisted means, or any pre- and lawful termination post-complication arising from elective or non-medically necessary caesarean section birth. treatment of any medical condition which is due to and occurs during the pregnancy up to maximum 2 pregnancies or terminations. g. Any treatment related prior to the complication delivery or after the delivery if the pregnancy was a result of pregnancy any form of assisted means or termination will assisted conception/ assisted pregnancy. Whilst we recognize that caesarean section may sometimes be treated within the maternity sub limits. h. On Renewala medical necessity, if an enhanced Sum Insured is applied, 24 months of continuous coverage (as per Section 2.7 c.) would apply afresh to the extent of the increased benefit amount. We shall not be liable to make any payment in respect of the following: a. Expenses incurred in respect of the harvesting and storage of stem cells when carried out as a preventive measure against possible future Illnesses; b. Medical Expenses for ectopic pregnancy will caesarean section can only be covered under the Section 2.1 (Inpatient Care) “Pregnancy and shall not fall under the Maternity Benefit. c. Sections 2.2 (Pre-hospitalization Medical Expenses) and Section 2.3 (Post- hospitalization Medical Expenses) Delivery” benefit for member insured on Plan A. Please note: If we are not payable under this benefitable to determine that a caesarean section is medically necessary we will consider it as not medically necessary. d. Any Maternity Expenses or complications arising from or relating to pregnancy, complication of pregnancy or termination of pregnancy within 24 months from the inception of the First Policy with Us. e. Pre-natal and post-natal Medical Expenses are not payable under this benefit.