MediGold Plus Insurance Plan

Transcription

1 MediGold Plus Insurance Plan AM0199EN/1806

2 MediGold Plus Insurance Plan Protection afforded by a superior lifetime medical insurance plan grants peace of mind while you concentrate on developing a successful career and raising a family. FTLife s MediGold Plus Insurance Plan (MediGold Plus) leads the industry in this regard, thanks to features that include top-notch medical facilities and comprehensive support, all under a one-stop global medical solution. This enables you to get cutting-edge medical care whether seeking treatment in Hong Kong or overseas. Extra benefits 3 Newborn Cash under New Parents Benefits 3 DNA Test for Immediate Family Member 3 No Claim Annual Deductible Discount After treatment 3 Out-patient consultation for post-confinement and post-surgery 3 Traditional Chinese Medicine Treatment 3 Ancillary Treatment and Rehabilitation 3 Home Nursing 3 Cashless hospitalisation arrangement One-stop Global Medical Solution Before treatment 3 Hong Kong and overseas medical consultation 3 Referral for hospitalisation 3 Cashless hospitalisation arrangement 3 Out-patient consultation for pre-confinement and pre-surgery Receiving treatment 3 Full coverage for hospitalisation and surgical expense 3 Prime protection for serious illness (including Specifically Approved Personalised Drugs and 5-year monitoring for cancer, Stroke and Heart Attack Rehabilitation) Please refer to policy provision for details of items listed above. 1

3 Strong support until age of 128 Guaranteed renewal 1,2 MediGold Plus provides an overall lifetime limit of up to HKD128 million 3. The plan guarantees that your premium for renewal will not be raised for any claim you have made or any changes in your health condition, allowing you to renew your cover until 128 years of age for truly worry-free medical protection through life. Flexible options MediGold Plus offers 3 choices of regional coverage in Asia and worldwide, along with 4 annual deductible options 4. What s more, you can opt for benefits to cover out-patient, dental 5 and maternity care 6, providing you total healthcare solution. Your protection needs will also change at different life stages. You can enjoy the following benefits when you reach age 50, 55, 60 or 65. There is no medical underwriting required 7,8 regardless of your health condition, so you can obtain the protection you need with ease for retirement: Convert the plan to a designated medical plan provided by us 7 Reduce annual deductible 8 Upgrade area of coverage 8 Comprehensive protection and quality treatment Full coverage for hospitalisation and surgical expense MediGold Plus offers comprehensive medical protection. The plan provides full coverage for the charges of room and board, doctor s visit, your miscellaneous hospital expenses during confinement, out-patient surgical expenses,etc. We will also reimburse the expenses for pre/post-confinement, consultation and medication for pre/post-surgery as well as the medical expenses in relation to ancillary treatment and rehabilitation. Prime protection for serious illness Cancer It takes time for overseas quality drugs to be registered in Hong Kong. If the insured is diagnosed with cancer and required a drug which hasn t been registered in Hong Kong, MediGold Plus will pay up to HKD800,000 for Specifically Approved Personalised Drugs 9 recommended by a medical practitioner with obtained special permission from the Department of Health. This allows the insured to access the world s most suitable drug treatment. FIRST IN MARKET* We will reimburse expenses incurred by range of cancer treatments (including but not limited to chemotherapy, hormone therapy, radiotherapy, targeted therapy, immunotherapy and proton therapy) and the cost of Genetic Profiling Test for determining the most appropriate treatment. The cost of treatment, laboratory work or examinations will also be covered in full in terms of monitoring up to 5 years after the completion of active treatment of cancer. When a diagnosis of cancer is confirmed, we will provide an allowance up to HKD5,000 for immediate family member 10 to undergo DNA tests for peace of mind. Stroke and heart attack MediGold Plus offers additional rehabilitation benefit in the event of a stroke or heart attack, covering the expenses incurred due to chiropractic care, physiotherapy, speech therapy or other treatments received from a cardiologist. The benefit even covers home facility enhancement prescribed by an occupational therapist so you can concentrate on recovery without financial worry. * First-in-market item is concluded based on the same type of medical insurance plan among life insurance companies in the market as of January

4 New Parents Benefits Newborn Cash 11 A congratulatory HKD3,000 cash will be given to the insured for celebrating the birth of his/her new born baby. Pregnancy Complications Coverage for pregnancy complications in terms of the fees for the treatment and consultation. ICU Daily Cash for Premature Newborn Child 11 Cash benefit for a prematurely-born baby in intensive care unit (ICU). No Claim Annual Deductible Discount If no claim is made for 2 consecutive years, MediGold Plus offers a 10% of the annual deductible amount as discount to against your selected deductible option for the following policy year. This discount applies to your plan s original annual deductible amount and accumulates every 2 years to a maximum of 100% of the annual deductible amount, which means the annual deductible amount can be reduced to 0. Discount will be reset to 0% for the next year of coverage after a claim is made. Your entitlement to this discount will NOT be affected by the following items: Out-patient Surgical Expenses Hospital Cash Out-patient Surgery Cash Newborn Cash 11 ICU Daily Cash for Premature Newborn Child 11 Extended caring protection and professional medical assistance Medical Concierge Service hour Medical Concierge Hotline 13 MediGold Plus comes complete with the new 24-hour Medical Concierge Hotline, which is always ready to provide information on network medical consultation, doctor referral and hospitalisation. We help you access a network hospital following referral and assist in making a cashless arrangement for your hospitalisation. Accompanying service 15 On the day of admission, one of the specialists 12 will walk you through the inpatient arrangement and admission process so you do not have to queue for anything. Assistance will also be provided to help you collect medical diagnosis reports and receipts, and arrange claims settlement. Cashless hospitalisation arrangement Simply complete an admission form to obtain our prior approval for a cashless arrangement at a network hospital. This will spare you the hassle of paying a deposit before being hospitalised. After discharge, you will not be required to undertake any claims procedure. All allowable medical expenses will be settled directly by us. Please contact service provider 12 for details. Overseas treatment arrangement The insured will be covered if a serious illness occurs and no treatment is available in country of origin. Medical Concierge Service team 12 will make arrangements for you to receive treatment at a suitable hospital overseas. An example could be proton therapy for cancer, which is unavailable in Hong Kong. It ensures that you can get the most suitable treatment. Worldwide Emergency Assistance Services 16 You can use our free 24-hour Worldwide Emergency Assistance Services regardless of where you may be. This includes all arrangements and claims for emergency medical evacuation or repatriation, as well as repatriation of remains and compassionate visits etc., providing you with support at any time. You may choose to enrol MediGold Plus Insurance Plan as basic plan or rider to suit your needs. For details, please contact your consultant or call our Customer Service Hotline on hour Medical Concierge Hotline Hong Kong (852) China Powerful medical network Our Medical Concierge Service allows you to access hospitals via our powerful medical network, which comprises 12 private hospitals in Hong Kong, 90 superior facilities in mainland China (including top-tier 3A hospitals), as well as 44 hospitals and medical centres in Japan and Taiwan 14, allowing you to enjoy professional medical service with ease. Hospitalisation Medical Advisory Service MediGold Plus provides Hospitalisation Medical Advisory Service for free when you suspect you have contracted a covered illness. Our seasoned medical team 12 will explain diagnosis and offer medical consultation on the best course of treatment and medical expense in Hong Kong or overseas. 3

5 At a Glance Table Basic Information MediGold Plus Basic Plan MediGold Plus Rider (which will be attached to a designated basic plan) Supplementary Out-patient Benefit (Optional) Supplementary Dental Benefit (Optional) 5 Supplementary Maternity Benefit (Optional) 6 Issue age 15 days to 75 years old 15 days to 70 years old 18 to 45 years old Coverage period Up to 128 years old Up to 75 years old Up to 50 years old Policy currency HKD HKD / USD Premium mode Monthly / semi-annual / annual payment Benefit Schedule Core Benefits 17 Maximum Limit (HKD) # Area of Coverage 18 Worldwide 19 Worldwide Core Benefits (excl. US) Asia Emergency Treatment Worldwide Room Level *,20 Standard Private Inside Hong Kong, Macau, Australia & New Zealand: Semi-private Outside Hong Kong, Macau, Australia & New Zealand: Standard Private Annual Limit 32,000,000 28,000,000 Overall Lifetime Limit 128,000,000 60,000,000 Annual Deductible 0 0 / 18,000 / 38,000 / 68,000 (A) Living Benefits I. Confinement Benefits Room and Board 2. Intensive Care^ 3. Daily Doctor's Visits 4. In-patient Specialist s Fee^ 5. Miscellaneous Hospital Expenses 6. Hospital Companion Bed 7. Private Nursing Care Fee^ II. Surgical Benefits 1. In-patient Surgical Expenses 2. Anesthetist s Fee 3. Operating Theatre Fee 4. Out-patient Surgical Expenses (up to 60 days per policy year) 4

6 5. Medical Appliances a. Specified Items Pace maker / stents for Percutaneous Transluminal Coronary Angioplasty / intraocular lens / artificial cardiac valve / metallic or artificial joints for joint replacement / prosthetic ligaments for replacement or implantation between bones / prosthetic intervertebral disc b. Non-specified Items (per lifetime) Prosthetic device other than benefit item II (5a) 200, Reconstructive Surgery a. Surgery^ 500, ,000 b. Device / Materials (per lifetime) 200,000 III. Pre/Post Confinement and Pre/Post Surgical Benefits 1. Pre-Confinement and Pre-Surgical Expenses Including consultation, medication prescribed for a maximum of 30 days for such consultation and diagnostic tests within 30 days before hospital stay / Out-patient surgery 2. Post-Confinement and Post-Surgical Expenses Follow-up consultation, medication prescribed for a maximum of 30 days for such consultation and diagnostic tests within 90 days after the discharge from hospital / Out-patient surgery 3. Traditional Chinese Medicine Treatment (per visit) Within 120 days after the discharge from hospital / Out-patient surgery providing that the consultation and medication are provided by registered Chinese medical practitioner 4. Post-Surgery Home Nursing^ Within 200 days after the discharge from hospital / Out-patient surgery 5. Post-Confinement Ancillary Treatment^ (per visit) Within 100 days after the discharge from hospital / Out-patient surgery, including consultation with Chiropractor, Physiotherapist, Speech Therapist or Occupational Therapist 6. Rehabilitation^ For stay and treatment in rehabilitation centre, and within 90 days after the discharge from hospital (maximum 1 visit per day) (maximum 1 visit per day) 1, (maximum 1 visit per day and up to 30 visits per policy year) (up to 200 days per policy year) 1,500 1,200 (maximum 1 visit per day) 50,000 30,000 (maximum limit per policy year) 200, , Hospice Care^ (per lifetime) 200, ,000 5

7 IV. Special Care Benefits 1. Advanced Diagnostic Imaging (In-patient or out-patient) 2. Stroke & Heart Attack Rehabilitation (After discharge from hospital) a. Home Facility Enhancement^ (per lifetime) Designated home facility enhancements such as widening passageways, adapting bathroom facilities and the provision of specialized furniture, which is prescribed by an Occupational Therapist 80,000 60,000 b. Chiropractor / Physiotherapist / Speech Therapist / Occupational Therapist^ For consultation and / or treatment c. Neurologist / Cardiologist / Neurosurgeon^ For consultation, treatment and / or medicines prescribed d. Chinese Medical Practitioner For consultation with treatment and medicines prescribed e. Disability Subsidy (per month) For disability continued more than 6 months 1,000 per visit (maximum 1 visit per day and up to 30 visits per policy year) / 8,000 6,000 (Up to 24 months per lifetime) 120,000 ( per lifetime) 3. Cancer Care a. Consultation, Medication and Diagnostic Tests Consultations, western medication prescribed and any diagnostic tests performed for covered cancer b. Cancer Treatment^ Cover Active Treatment for covered cancer, including chemotherapy, hormonal therapy, radiotherapy, targeted therapy, immunotherapy and proton therapy c. Genetic Profiling Test^ Personalised treatment on targeted therapy d. Monitoring Within 5 years after active treatment including consultation, laboratory tests and diagnostic tests e. Specifically Approved Personalised Drugs^ (per cancer) Cover drugs which are not yet registered in Hong Kong, given if medical practitioner s recommendation and special approval from the Department of Health are obtained 9, allowing the insured to access the world's most suitable drug treatment 800, ,000 6

8 f. DNA Test for Immediate Family Member (per cancer, per immediate family member) Provide cancer DNA test to immediate family members Kidney Dialysis^ 5,000 3,000 maximum 2 immediate family members HIV/ AIDS Treatment (per lifetime) 1,000,000 6 Inpatient Psychiatric Treatment^ 7. Organ Transplant^,22 Include all the medical expenses of the donor 300, , Hospital Cash a. Hong Kong Government Hospital (per day); or b. Lower Room Level (per day); or c. Intensive Care Unit (per day); or d. Compulsory Quarantine Cash (per day) A cash benefit during your compulsory quarantine due to confirmed or suspected cases of Notifiable Infectious Diseases 9. Out-patient Surgery Cash Applicable when benefit item II (4) is payable for the same procedure 2,000 1,200 (up to 60 days per policy year) 2,000 1,200 (up to 60 days per policy year) 2,000 1,200 (up to 60 days per policy year) 2,000 1,200 (up to 15 days per policy year) 3,000 1,800 (maximum 1 procedure per policy year) V. New Parents Benefits 1. Newborn Cash 11 (per newborn child) 3, Pregnancy Complications^ 3. ICU Daily Cash for Premature Newborn Child 11 (per day) 2,000 1,200 (up to 10 days per Premature Newborn Child) VI. Emergency Treatment Benefits 1. Emergency Out-patient Treatment 2. Emergency Dental Treatment VII. Special Coverage 1. Wavier of Annual Deductible Benefit for Severe Urban Chronic Disease (if applicable) Cancer, stroke or heart attack related medical expense 2. Option to Change Insurance Plan 7 (if applicable) 3. Option to Reduce Annual Deductible 8 (if applicable) Waive annual deductible Convert to a designated medical plan with no evidence of insurability required at age 50, 55, 60 or 65 of the insured 7 Reduce annual deductible with no evidence of insurability required at age 50, 55, 60 or 65 of the insured 8 7

9 4. Option to Upgrade Area of Coverage 8 (if applicable) 5. No Claim Annual Deductible Discount (if applicable) No claims for 2 consecutive years 6. Worldwide Emergency Assistance Services 16 Including but not limited to the arrangement and payment of the following items: Emergency medical evacuation/ repatriation Transportation of mortal remains to home country or usual country of residence Compassionate visit Return of minor child to home country or usual country of residence Upgrade area of coverage with no evidence of insurability required at age 50, 55, 60 or 65 of the insured 8 10% of annual deductible discount, it can be accumulated up to 100% of annual deductible 8,000,000 (per incident) (B) Compassionate Death Benefit 150, ,000 (C) Additional Death Benefit for Organ Donor , ,000 # Please contact your consultant should you need the Benefit Schedule in USD. * The benefit will be changed if you are hospitalised in a different room level. For details, please refer to remark 20. ^ Recommendation by a registered medical practitioner in writing is required. 8

10 Supplementary Benefits Schedule Supplementary Benefits Maximum Limit (HKD) # Area of Coverage 18 Asia I. Supplementary Out-patient Benefit *,1,24 (per policy year) 1. Out-patient Consultation 2. Ancillary Service^ Registered Chinese medical practitioner / Chiropractor / Physiotherapist 3. Psychiatric Treatment 4. Laboratory Tests and Diagnostic Imaging^ 5. Prescribed Medicines and Drugs^ 6. Health Check-up and Vaccination 1 health check-up and 1 course of vaccination (up to 50 visits per policy year) 10,000 (maximum 1 visit for each type of treatment per day) 20,000 (up to 1 visit per day and up to 15 visits per policy year) 100,000 4,000 II. Supplementary Dental Benefit *,1,5,24 (per policy year) 1. Routine Dental Treatment a. Tooth Fillings b. Tooth Extraction (except removal of wisdom tooth or impacted tooth) c. X-ray (including oral panoramic x-ray) d. Inlays & Onlays (except gold inlays and onlays) e. Drainage of Abscesses f. Root Canal Work 7,600 g. Periodontal Surgery other than for Cosmetic Purposes h. Routine Oral Examination (once every policy year) i. Scaling and Polishing (once every policy year) 2. Major Restorative Treatment a. Removal of Wisdom Tooth or Impacted Tooth b. New or Repair of Dentures c. New or Repair of Crown (excluding gold crowns) d. New or Repair of Bridge Work (excluding gold bridge work) 14,400 e. Implants f. Pins for Cusp Restoration g. Apicoectomy h. Orthodontic Treatment 9

11 III. Supplementary Maternity Benefit *,1,6,24 (per pregnancy) 1. Normal Delivery a. Pre-natal Check-up b. Post-natal Check-up 50,000 a. Normal Delivery 2. Caesarean Section a. Pre-natal Check-up b. Post-natal Check-up 100,000 c. Caesarean Section # Please contact your consultant should you need the Benefit Schedule in USD. * Share the Annual Limit and Overall Lifetime Limit with Core Benefits. ^ Recommendation by a registered medical practitioner in writing is required. 10

12 Remarks: 1. As long as we still provide the benefit plans for existing customers and you meet the requirements of remark 2, we will guarantee to renew the Basic Plan, Rider(which will be attached to a designated basic plan), as well as Supplementary Out-patient Benefit, Supplementary Dental Benefit and Supplementary Maternity Benefit within the coverage period. 2. If the insured changes his / her country of residence, you need to inform us in writing, provide documentary address proof and obtain our approval for renewal. Approved new premium will take effect on next policy anniversary. 3. Not applicable to area of coverage in Asia. 4. Only applicable to area of coverage in Worldwide (excl. US) and Asia. 5. Supplementary Dental Benefit must be enrolled together with Supplementary Out-patient Benefit. 6. Supplementary Maternity Benefit must be enrolled together with Supplementary Out-patient Benefit and Supplementary Dental Benefit. 7. The policyowner may convert this plan to a designated medical plan available at that time which is offered by us at the policy anniversary that is on or immediately following insured s 50 th, 55 th, 60 th or 65 th birthday while this plan is inforce at least 3 years and subject to our prevailing rules. You must make a written request to us in our prescribed form within 31 days before the relevant policy anniversary without providing further evidence of insurability on the insured. Once we approved the request, this plan will be terminated automatically and cannot be reinstated. The amount of premium of the new designated medical plan will be based on the attained age of the insured and the prevailing premium rate as specified by us at the time of plan change. The waiting period, exclusions, existing loading and special conditions will be based on the arrangement of this plan after plan change, please refer to policy provision for details. 8. Subject to our prevailing rules, the policyowner may apply for this option by making a written request to us in our prescribed form within 31 days before the policy anniversary that is on or immediately following insured s 50 th, 55 th, 60 th or 65 th birthday. No further evidence of insurability of the insured is required but the amount of premium will be subject to change. The right to apply for this option can only be exercised once per lifetime of the insured and is irrevocable once exercised. It is allowed to exercise the option of reducing annual deductible and upgrading area of coverage at the same time. Option to upgrade area of coverage is only applicable when this plan is inforce at least 3 years and the residency of the insured is different from the area of coverage as specified in the plan at the time of application. 9. Specifically Approved Personalised Drugs is applicable to Hong Kong only. For the details of special approval from Department of Health, please contact your attending medical practitioner for enquiry. 10. Immediate family member refers to the legally married spouse or a child or parent of the insured. 11. This benefit item is applicable to father or mother as the insured. The birth certificate of newborn baby must be provided to prove that the newborn baby is the child of the insured. 12. Medical Concierge Service is provided by Actuarial Insourcing Services Limited (AIS). FTLife Insurance Company Limited reserves the right to change the terms and conditions of Medical Concierge Service without prior notice and assumes no responsibility of the services provided by the third-party service providers. For details, please refer to the terms and conditions of Medical Concierge Programme Document. 13. Medical Concierge Hotline operating hours is 24 hours every day. 14. The regions and the numbers of hospitals/medical centres covered by the Medical Networks are as of December Accompanying service is only applicable to network hospitals in China. Please refer to Medical Concierge Service Network Hospital List for details. 16. Worldwide Emergency Assistance Services are provided by International SOS (HK) Ltd. We reserve the right to change the terms and conditions of Worldwide Emergency Assistance Services without prior notice and assumes no responsibility of the services provided by the third-party service providers. 17. Claims for core benefit items (A) I VI (excluding IV(2e), IV(8-9) and V(1,3)) and supplementary benefits should be reasonable and customary, which means not exceeding a reasonable average of the fees charged under similar conditions by persons of equivalent experience and professional status in the area in which the service was provided; and when in relation to fees charged for materials, it shall mean a sum not exceeding a reasonable average of the charges for similar materials in equivalent circumstances of quality and economic consideration in the same area as that in which any such materials were obtained. The company reserves the right to assess the amounts of the relevant eligible expenses or to make any discretionary adjustment for claim settlement. 18. Asia means Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Australia, New Zealand and Vietnam. Worldwide (excl. US) means worldwide excluding the United States of America (USA) and US Minor Outlying Islands. Worldwide means worldwide. 19. We shall pay the amount of Living Benefits payable under this Policy, if the insured has taken up residence in the USA no more than 183 days in the past 12 months and has obtained our pre-authorization before he is Confined/Stays or undergoes Out-patient surgery in the USA unless necessitated by Accident or Emergency. Otherwise, we shall reduce the amount of Living Benefits payable under this Policy to 60% of the original amount of benefit. 20. If the insured is confined in a room level of hospital accommodation higher than his / her entitled room level of hospital accommodation, the reimbursement percentage of the Major Medical Benefit will be reduced as follow: Plan s entitled room level Standard private room under Worldwide, Worldwide (excl. US) or Asia (outside Hong Kong, Macau, Australia & New Zealand) plan Semi-private room under Asia (inside Hong Kong, Macau, Australia & New Zealand) plan Actual confined room level Above standard private room Above semi-private and up to standard private room Above standard private room Reimbursement percentage 25% 50% 25% 21. This plan covers the loss incurred by the insured (for non-hong Kong resident, due to confinement, surgery, treatment or other reasons) in Mainland China in a Hospital of Grade 3A as classified by the government of the People s Republic of China or in a hospital that is in the list of approved hospitals as determined by us from time to time and such list of approved hospitals will be provided to the policyowner upon request. 22. Organ transplant benefit is only payable to the insured who is undergoing organ transplant operation after the plan has been effective for 1 uninterrupted policy year. We will pay you an amount which is equal to the actual charges incurred by the living donor up to and not exceeding the reasonable and customary charges for the living donor s confinement and organ transplant operation in a hospital. The cost of acquisition of any organs otherwise than in accordance with the laws of the place of organ transplant operation and the cost for transportation of the organ is not covered. 23. This benefit is payable once only, irrespective of the number of organs donated. 24. Only applicable to customers who live in Hong Kong holding Hong Kong identity card and choose to attach the plan with zero annual deductible. For the details of the items listed above, please refer to the policy provision. 11

13 MediGold Plus Insurance Plan Basic Plan / Rider Annual Premium Table 1,2 (HKD) Plan and Annual Deductible Age Worldwide Worldwide (excl. US) Asia ,000 38,000 68, ,000 38,000 68, ,250 12,720 5,520 4,950 4,320 7,780 3,490 3,000 2, ,750 13,100 5,810 5,230 4,430 7,910 3,580 3,090 2, ,990 13,540 6,120 5,510 4,560 8,100 3,700 3,190 2, ,960 14,040 6,430 5,790 4,720 8,340 3,840 3,300 2, ,660 14,590 6,750 6,060 4,910 8,640 4,000 3,430 3, ,090 15,210 7,080 6,340 5,130 8,990 4,190 3,570 3, ,250 15,890 7,420 6,610 5,380 9,400 4,400 3,720 3, ,150 16,620 7,770 6,890 5,650 9,870 4,640 3,890 3, ,780 17,420 8,120 7,160 5,950 10,390 4,900 4,080 3, ,140 18,270 8,490 7,430 6,280 10,970 5,190 4,270 3, ,230 19,190 8,860 7,700 6,640 11,600 5,500 4,480 4, ,320 19,890 9,070 7,930 6,860 12,000 5,660 4,630 4, ,560 20,570 9,240 8,130 7,050 12,360 5,790 4,760 4, ,950 21,210 9,360 8,330 7,210 12,680 5,890 4,880 4, ,490 21,820 9,430 8,510 7,340 12,960 5,950 4,990 4, ,190 22,400 9,450 8,670 7,450 13,200 5,980 5,090 4, ,070 22,490 9,610 8,800 7,470 13,250 6,050 5,170 4, ,780 22,580 9,790 8,920 7,500 13,310 6,120 5,220 4, ,320 22,670 9,980 9,010 7,520 13,360 6,180 5,270 4, ,690 22,760 10,190 9,090 7,550 13,420 6,230 5,300 4, ,890 22,850 10,410 9,140 7,570 13,470 6,280 5,310 4, ,950 23,290 10,770 9,490 7,860 13,920 6,480 5,510 4, ,190 23,850 11,190 9,930 8,250 14,500 6,730 5,770 5, ,600 24,530 11,670 10,460 8,720 15,210 7,030 6,080 5, ,180 25,330 12,200 11,070 9,280 16,050 7,370 6,440 5, ,940 26,240 12,790 11,770 9,930 17,030 7,760 6,860 6, ,110 27,390 13,230 12,170 10,280 17,540 8,080 7,090 6, ,190 28,710 13,660 12,520 10,600 17,990 8,400 7,290 6, ,200 30,180 14,070 12,830 10,880 18,370 8,730 7,460 6, ,120 31,810 14,470 13,100 11,110 18,690 9,070 7,610 6, ,960 33,600 14,860 13,330 11,310 18,940 9,410 7,730 6, ,200 35,020 15,410 13,710 11,640 19,510 9,750 8,010 7, ,860 36,420 16,010 14,110 11,980 20,140 10,090 8,330 7, ,930 37,810 16,650 14,540 12,340 20,830 10,440 8,680 7, ,410 39,180 17,340 14,990 12,720 21,590 10,790 9,070 7, ,300 40,530 18,080 15,460 13,120 22,410 11,140 9,490 8, ,500 42,020 19,030 16,450 13,920 23,550 11,600 9,950 8, ,740 43,550 20,090 17,630 14,850 24,840 12,090 10,440 9, ,020 45,120 21,250 18,990 15,940 26,280 12,620 10,970 9, ,340 46,720 22,510 20,540 17,170 27,870 13,190 11,540 10, ,710 48,360 23,880 22,280 18,540 29,610 13,800 12,140 10, ,490 53,030 26,030 24,190 20,280 32,440 15,150 13,210 11, ,430 58,720 28,510 26,270 22,250 35,730 16,780 14,460 12, ,530 65,460 31,320 28,540 24,430 39,480 18,680 15,890 13, ,800 73,220 34,470 30,980 26,830 43,700 20,860 17,510 15, ,240 82,020 37,940 33,610 29,450 48,380 23,310 19,300 16, ,780 88,030 40,520 35,570 31,320 51,330 25,050 20,750 17, ,810 93,800 43,020 37,420 33,090 54,010 26,730 22,210 19, ,310 99,330 45,440 39,170 34,750 56,420 28,350 23,670 20, , ,620 47,780 40,820 36,310 58,560 29,920 25,140 22, , ,670 50,040 42,370 37,770 60,430 31,440 26,620 23, , ,390 52,520 44,650 39,510 63,610 33,120 27,970 24, , ,030 54,980 46,980 41,220 66,800 34,780 29,300 26, , ,600 57,420 49,350 42,890 70,010 36,430 30,620 27, , ,100 59,830 51,780 44,530 73,240 38,060 31,910 28, , ,520 62,210 54,260 46,140 76,490 39,680 33,190 29,400 The premiums stated below are applicable to renewal only , ,870 64,570 56,780 47,710 79,750 41,280 34,450 30, , ,140 66,910 59,350 49,260 83,030 42,860 35,700 31, , ,330 69,230 61,980 50,760 86,320 44,430 36,920 32, , ,450 71,510 64,650 52,240 89,640 45,980 38,130 33, , ,500 73,780 67,370 53,680 92,970 47,520 39,320 34,700 12

14 MediGold Plus Insurance Plan Basic Plan / Rider Annual Premium Table 1,2 (HKD) Plan and Annual Deductible Age Worldwide Worldwide (excl. US) Asia ,000 38,000 68, ,000 38,000 68, , ,580 75,580 69,230 54,970 95,620 48,630 40,260 35, , ,430 77,290 70,980 56,200 98,170 49,650 41,140 36, , ,040 78,880 72,610 57, ,600 50,570 41,960 37, , ,410 80,380 74,130 58, ,930 51,410 42,710 37, , ,550 81,770 75,530 59, ,140 52,150 43,410 38, , ,450 83,060 76,810 60, ,250 52,800 44,050 39, , ,110 84,240 77,980 61, ,240 53,370 44,630 39, , ,540 85,320 79,030 62, ,130 53,840 45,150 40, , ,730 86,300 79,970 63, ,910 54,220 45,600 40, , ,680 87,170 80,790 64, ,580 54,510 46,000 41, , ,530 88,440 82,010 64, ,440 55,240 46,650 42, , ,350 89,700 83,200 65, ,250 55,980 47,300 42, , ,140 90,940 84,380 66, ,000 56,730 47,950 43, , ,890 92,180 85,530 67, ,690 57,490 48,600 43, , ,620 93,400 86,650 68, ,330 58,250 49,240 44, , ,310 94,600 87,760 69, ,920 59,010 49,880 44, , ,980 95,800 88,840 70, ,450 59,780 50,520 45, , ,610 96,980 89,900 71, ,930 60,560 51,160 46, , ,220 98,150 90,940 72, ,350 61,350 51,790 46, , ,790 99,310 91,950 72, ,720 62,140 52,420 47, , , ,300 92,870 73, ,030 62,760 52,940 47, , , ,310 93,800 74, ,350 63,390 53,470 48, , , ,320 94,740 75, ,680 64,020 54,010 48, , , ,340 95,680 75, ,030 64,660 54,550 49, , , ,380 96,640 76, ,390 65,310 55,090 49, , , ,420 97,610 77, ,760 65,960 55,640 50, , , ,470 98,580 78, ,150 66,620 56,200 50, , , ,540 99,570 78, ,550 67,290 56,760 51, , , , ,560 79, ,970 67,960 57,330 51, , , , ,570 80, ,400 68,640 57,900 52, , , , ,590 81, ,840 69,330 58,480 52, , , , ,610 82, ,300 70,020 59,070 53, , , , ,650 82, ,770 70,720 59,660 53, , , , ,690 83, ,260 71,430 60,260 54, , , , ,750 84, ,760 72,140 60,860 54, , , , ,820 85, ,280 72,860 61,470 55, , , , ,900 86, ,810 73,590 62,080 55, , , , ,990 87, ,360 74,330 62,700 56, , , , ,090 88, ,920 75,070 63,330 57, , , , ,200 88, ,500 75,820 63,960 57, , , , ,320 89, ,100 76,580 64,600 58, , , , ,450 90, ,710 77,350 65,250 58, , , , ,600 91, ,340 78,120 65,900 59, , , , ,750 92, ,980 78,900 66,560 59, , , , ,920 93, ,640 79,690 67,230 60, , , , ,100 94, ,320 80,490 67,900 61, , , , ,290 95, ,010 81,290 68,580 61,730 Remarks: 1. Premiums stated above are based on the first year premium according to your current attained age, but cannot be regarded as the actual premiums payable in the future. Renewal premium will base on your attained age and the applicable premium table at the time of renewal. Premiums are non-guaranteed, we will review and adjust the premium to reflect continuous medical inflation and overall claim experience under this product. We will inform policyowner about the actual premium payable for the coming year before the end of each policy year. During the review, we may consider factors including but not limited to claim costs incurred from all policies under this product and the expected claim outgo in the future which reflects medical trends, medical cost inflation and the change in the product features revision. 2. The annual premium table is for reference only, please contact your consultant for premiums in monthly and semi-annual payment mode. 3. As long as we still provide this plan for existing customers, we will guarantee to renew this benefit plan each year during your lifetime regardless of your health status or claim history. Effective Date: 22 January

15 MediGold Plus Insurance Plan Rider Annual Premium Table 1,2 (USD) Plan and Annual Deductible Age Worldwide Worldwide (excl. US) Asia 0 0 2,250 4,750 8, ,250 4,750 8, ,906 1, ,219 1, ,499 1, , ,745 1, , ,957 1, , ,136 1, , ,282 1, , ,394 2, , ,472 2,177 1, , ,517 2,284 1, , ,529 2,399 1, , ,665 2,487 1, , ,819 2,571 1,155 1, , ,993 2,651 1,170 1, , ,187 2,727 1,178 1, , ,399 2,800 1,181 1, , ,509 2,811 1,202 1, , ,598 2,823 1,224 1, , ,665 2,834 1,248 1, , ,711 2,845 1,274 1, , ,736 2,856 1,301 1, , ,869 2,912 1,347 1, , ,024 2,982 1,399 1,242 1,031 1, ,200 3,066 1,458 1,307 1,090 1, ,398 3,166 1,525 1,384 1,160 2, ,618 3,280 1,599 1,471 1,241 2, ,763 3,424 1,654 1,521 1,286 2,193 1, ,899 3,588 1,707 1,565 1,325 2,249 1, ,024 3,772 1,759 1,604 1,359 2,297 1, ,140 3,976 1,809 1,638 1,389 2,336 1, ,245 4,200 1,858 1,666 1,414 2,368 1, ,525 4,378 1,927 1,714 1,455 2,439 1,219 1, ,857 4,553 2,001 1,764 1,498 2,518 1,262 1, ,241 4,726 2,082 1,817 1,543 2,604 1,305 1, ,676 4,897 2,168 1,874 1,590 2,699 1,348 1, ,163 5,066 2,260 1,933 1,640 2,801 1,393 1,186 1, ,562 5,253 2,379 2,056 1,739 2,944 1,450 1,244 1, ,967 5,444 2,511 2,203 1,857 3,105 1,512 1,305 1, ,377 5,640 2,656 2,374 1,992 3,285 1,578 1,372 1, ,793 5,840 2,814 2,568 2,146 3,484 1,649 1,442 1, ,214 6,045 2,985 2,785 2,318 3,701 1,725 1,518 1, ,061 6,628 3,254 3,023 2,535 4,055 1,894 1,651 1, ,053 7,341 3,564 3,284 2,781 4,466 2,098 1,808 1, ,192 8,182 3,916 3,567 3,053 4,935 2,336 1,987 1, ,476 9,153 4,308 3,873 3,354 5,463 2,608 2,188 1, ,905 10,253 4,743 4,201 3,681 6,048 2,914 2,413 2, ,223 11,004 5,065 4,446 3,915 6,416 3,131 2,594 2, ,601 11,725 5,377 4,678 4,136 6,751 3,341 2,776 2, ,039 12,416 5,679 4,897 4,344 7,052 3,544 2,959 2, ,536 13,078 5,972 5,103 4,539 7,320 3,741 3,143 2, ,094 13,709 6,255 5,296 4,721 7,554 3,930 3,328 2, ,266 14,424 6,565 5,581 4,939 7,951 4,140 3,496 3, ,418 15,129 6,873 5,872 5,152 8,350 4,348 3,663 3, ,548 15,826 7,177 6,169 5,361 8,751 4,553 3,827 3, ,658 16,512 7,478 6,473 5,567 9,155 4,757 3,989 3, ,747 17,190 7,777 6,782 5,768 9,561 4,959 4,149 3,674 The premiums stated below are applicable to renewal only ,814 17,858 8,072 7,098 5,964 9,968 5,159 4,307 3, ,861 18,517 8,364 7,419 6,157 10,378 5,357 4,462 3, ,887 19,167 8,653 7,747 6,345 10,791 5,554 4,615 4, ,891 19,807 8,939 8,081 6,530 11,205 5,748 4,766 4, ,875 20,438 9,223 8,421 6,710 11,621 5,940 4,915 4,338 14

16 MediGold Plus Insurance Plan Rider Annual Premium Table 1,2 (USD) Plan and Annual Deductible Age Worldwide Worldwide (excl. US) Asia 0 0 2,250 4,750 8, ,250 4,750 8, ,716 20,948 9,448 8,654 6,871 11,953 6,079 5,032 4, ,513 21,429 9,661 8,873 7,025 12,271 6,206 5,142 4, ,267 21,880 9,860 9,076 7,171 12,575 6,321 5,245 4, ,978 22,301 10,047 9,266 7,311 12,866 6,426 5,339 4, ,646 22,693 10,221 9,441 7,444 13,143 6,519 5,427 4, ,270 23,056 10,382 9,601 7,570 13,406 6,601 5,506 4, ,851 23,389 10,530 9,747 7,689 13,656 6,671 5,579 4, ,390 23,692 10,665 9,879 7,802 13,892 6,730 5,643 5, ,885 23,966 10,787 9,996 7,907 14,114 6,778 5,700 5, ,336 24,210 10,896 10,099 8,005 14,323 6,814 5,750 5, ,795 24,566 11,055 10,251 8,124 14,555 6,906 5,832 5, ,220 24,918 11,212 10,400 8,241 14,781 6,998 5,913 5, ,611 25,267 11,368 10,547 8,357 15,000 7,091 5,994 5, ,968 25,612 11,522 10,691 8,470 15,212 7,186 6,075 5, ,290 25,952 11,675 10,832 8,582 15,417 7,281 6,155 5, ,579 26,289 11,826 10,970 8,691 15,615 7,376 6,235 5, ,834 26,622 11,975 11,105 8,799 15,807 7,473 6,315 5, ,055 26,952 12,123 11,237 8,905 15,991 7,570 6,395 5, ,241 27,277 12,269 11,367 9,009 16,169 7,669 6,474 5, ,394 27,599 12,414 11,494 9,111 16,340 7,768 6,553 5, ,838 27,875 12,538 11,609 9,202 16,503 7,845 6,618 5, ,286 28,153 12,663 11,725 9,294 16,668 7,924 6,684 6, ,739 28,435 12,790 11,842 9,387 16,835 8,003 6,751 6, ,196 28,719 12,918 11,960 9,481 17,003 8,083 6,819 6, ,658 29,007 13,047 12,080 9,576 17,174 8,164 6,887 6, ,125 29,297 13,177 12,201 9,672 17,345 8,245 6,956 6, ,596 29,590 13,309 12,323 9,768 17,519 8,328 7,025 6, ,072 29,885 13,442 12,446 9,866 17,694 8,411 7,095 6, ,553 30,184 13,577 12,571 9,965 17,871 8,495 7,166 6, ,038 30,486 13,713 12,696 10,064 18,050 8,580 7,238 6, ,529 30,791 13,850 12,823 10,165 18,230 8,666 7,310 6, ,024 31,099 13,988 12,951 10,267 18,412 8,753 7,384 6, ,524 31,410 14,128 13,081 10,369 18,596 8,840 7,457 6, ,029 31,724 14,269 13,212 10,473 18,782 8,929 7,532 6, ,540 32,041 14,412 13,344 10,578 18,970 9,018 7,607 6, ,055 32,362 14,556 13,477 10,684 19,160 9,108 7,683 6, ,576 32,685 14,702 13,612 10,790 19,352 9,199 7,760 6, ,101 33,012 14,849 13,748 10,898 19,545 9,291 7,838 7, ,632 33,342 14,997 13,886 11,007 19,741 9,384 7,916 7, ,169 33,676 15,147 14,025 11,117 19,938 9,478 7,995 7, ,710 34,012 15,299 14,165 11,229 20,137 9,573 8,075 7, ,258 34,353 15,452 14,306 11,341 20,339 9,668 8,156 7, ,810 34,696 15,606 14,450 11,454 20,542 9,765 8,238 7, ,368 35,043 15,762 14,594 11,569 20,747 9,863 8,320 7, ,932 35,394 15,920 14,740 11,685 20,955 9,961 8,403 7, ,501 35,747 16,079 14,887 11,801 21,164 10,061 8,487 7, ,076 36,105 16,240 15,036 11,919 21,376 10,162 8,572 7,717 Remarks: 1. Premiums stated above are based on the first year premium according to your current attained age, but cannot be regarded as the actual premiums payable in the future. Renewal premium will base on your attained age and the applicable premium table at the time of renewal. Premiums are non-guaranteed, we will review and adjust the premium to reflect continuous medical inflation and overall claim experience under this product. We will inform policyowner about the actual premium payable for the coming year before the end of each policy year. During the review, we may consider factors including but not limited to claim costs incurred from all policies under this product and the expected claim outgo in the future which reflects medical trends, medical cost inflation and the change in the product features revision. 2. The annual premium table is for reference only, please contact your consultant for premiums in monthly and semi-annual payment mode. 3. As long as we still provide this plan for existing customers, we will guarantee to renew this benefit plan each year during your lifetime regardless of your health status or claim history. Effective Date: 22 January

17 MediGold Plus Insurance Plan Supplementary Out-patient Benefit Annual Premium Table 1,2 Age HKD Policy Currency USD ,000 2, ,800 1, ,840 1, ,880 1, ,340 1, ,800 1, ,270 1, ,730 1, ,200 1, ,670 1, ,150 1, ,620 1, ,100 2, ,580 2, ,060 2, ,550 2, ,030 2, ,520 2, ,010 2, ,510 2, ,000 2, ,500 2, ,000 2, ,500 2, ,360 2, ,300 2, ,300 3, ,370 3, ,500 3, ,710 3, ,980 3, ,320 3, ,720 3, ,200 4, ,960 4, ,820 4, ,800 4, ,880 5, ,060 5, ,360 5, ,760 5, ,260 6, ,880 6, ,600 6, ,900 7, ,380 7, ,060 8, ,940 8, ,000 9, ,260 9, ,700 10, ,340 10, ,180 11, ,200 12,150 The premiums stated below are applicable to renewal only ,640 12, ,130 13, ,670 13, ,270 14, ,910 14,989 Age HKD Policy Currency USD ,610 15, ,350 16, ,150 16, ,000 17, ,900 17, ,410 18, ,060 19, ,870 20, ,840 20, ,950 21, ,220 22, ,630 23, ,200 24, ,930 24, ,800 25, ,020 26, ,610 27, ,570 28, ,890 30, ,590 31, ,650 32, ,090 33, ,890 35, ,060 36, ,600 38, ,650 38, ,720 38, ,830 39, ,970 39, ,140 40, ,340 40, ,570 40, ,840 41, ,140 41, ,470 42, ,830 42, ,230 42, ,660 43, ,130 43, ,630 44, ,170 44, ,740 45, ,350 45, ,990 45, ,670 46, ,390 46, ,140 47, ,930 47, ,760 48, ,630 48, ,540 49, ,480 49,810 Remarks: 1. Premiums stated above are based on the first year premium according to your current attained age, but cannot be regarded as the actual premiums payable in the future. Renewal premium will base on your attained age and the applicable premium table at the time of renewal. Premiums are non-guaranteed, we will review and adjust the premium to reflect continuous medical inflation and overall claim experience under this product. We will inform policyowner about the actual premium payable for the coming year before the end of each policy year. During the review, we may consider factors including but not limited to claim costs incurred from all policies under this product and the expected claim outgo in the future which reflects medical trends, medical cost inflation and the change in the product features revision. 2. The annual premium table is for reference only, please contact your consultant for premiums in monthly and semi-annual payment mode. 3. As long as we still provide this plan for existing customers, we will guarantee to renew this benefit plan each year during your lifetime regardless of your health status or claim history. Effective Date: 22 January

18 MediGold Plus Insurance Plan Supplementary Dental Benefit Annual Premium Table 1,2 Age Policy Currency HKD USD , The premiums stated below are applicable to renewal only , Supplementary Maternity Benefit Annual Premium Table 1,2 Age Policy Currency HKD USD 0-17 Not applicable 18 23,200 2, ,600 3, ,000 3, ,390 3, ,700 4, ,940 4, ,100 4, ,190 4, ,200 5, ,140 5, ,000 5, ,790 5, ,500 6, ,710 6, ,580 6, ,120 6, ,320 5, ,190 5, ,720 5, ,920 5, ,780 5, ,310 4, ,500 4, ,500 4,438 The premiums stated below are applicable to renewal only ,500 4,438 Remarks: 1. Premiums stated above are based on the first year premium according to your current attained age, but cannot be regarded as the actual premiums payable in the future. Renewal premium will base on your attained age and the applicable premium table at the time of renewal. Premiums are non-guaranteed, we will review and adjust the premium to reflect continuous medical inflation and overall claim experience under this product. We will inform policyowner about the actual premium payable for the coming year before the end of each policy year. During the review, we may consider factors including but not limited to claim costs incurred from all policies under this product and the expected claim outgo in the future which reflects medical trends, medical cost inflation and the change in the product features revision. 2. The annual premium table is for reference only, please contact your consultant for premiums in monthly and semi-annual payment mode. 3. As long as we still provide this plan for existing customers, we will guarantee to renew this benefit plan each year during your lifetime regardless of your health status or claim history. Effective Date: 22 January

19 Important Information 1. Cooling Off Right You may cancel your policy and get back your premium paid within the earlier of 21 days after the delivery of the policy or the issue of a notice to you or your representative. Such notice should inform you of the availability of the policy and expiry date of the cooling-off period. Please refer to the cooling off initiative issued by the Hong Kong Federation of Insurers from time to time for reference. You have to tell us by giving a written notice if you decide to exercise your cooling off right. Such written notice must be signed by you and received directly by us at 27/F, Wing On Centre, 111 Connaught Road Central, Hong Kong. 2. Key Product Risks i. Non-payment of Premium If there is any non-payment of premiums on or before the end of the grace period of thirty one (31) days from its due date, the plan will automatically be terminated and you will lose your protection under the plan. ii. Termination We have the right to terminate the policy before the policy s maturity date under the following circumstances: As a Basic Plan Any premium remains in default at the end of the grace period. As a Rider (which will be attached to a designated basic plan) Any premium for the plan remains in default at the end of the grace period; or The net cash value or net policy value of the policy is equal to or less than zero while there is indebtedness (if applicable); or The basic plan is cancelled or surrendered or terminated; or The basic plan is converted into paid-up or extended term insurance plan (if applicable). Subject to the terms and conditions of this plan, we will guarantee to renew this plan for one (1) policy year (without further evidence of insurability from the insured) on each policy anniversary on the condition you pay premium at the prevailing premium rate at the time of the plan s renewal. iii. Inflation Risk When you review the benefits shown in the benefit illustrations, please note that the cost of living in the future is likely to be higher than it is today due to inflation. In that case you will receive less in real terms even if we meet all of our contractual obligations under the policy. iv. Other Key Product Risks Basic plan of MediGold Plus Insurance Plan is issued in HK dollars while rider is issued in HK dollars or US dollars. You can specify the policy currency at the time of application. Policy currency cannot be altered once the policy has been issued. The premiums received by us in a currency different from your policy currency or the bill of medical expenses in a currency different from your policy currency, will be converted to the policy currency at the prevailing exchange rate determined by us from time to time with reference to market rates. All monies payable under your policy will be paid in Hong Kong dollars, or in the policy currency upon your request. The amount payable by us in a currency different from your policy currency will be converted at the prevailing exchange rate determined by us from time to time with reference to market rates. Therefore it may be subject to foreign exchange risks in the process of currency conversion. MediGold Plus Insurance Plan is an insurance policy issued by us. The insurance benefits are subject to the company s credit risks. 3. Key Exclusions This plan shall not cover the expenses for any confinement, surgery, treatments or loss caused directly or indirectly, wholly or partly, voluntarily or involuntarily by any of the following occurrences: i. any confinements, surgery, medical treatments, investigations, services or supplies which are not medically necessary; ii. any pre-existing conditions, hereditary disease or congenital anomalies or developmental disorders (only applicable before the insured attains the age of 17) that gives use to signs before the insured reaches the age of 17; iii. self-destruction, intentional self-inflicted injury or drug abuse; iv. war, hostilities, strikes, riots and civil commotion, any unlawful act by the insured; v. birth control, infertility treatment, assisted reproduction, foetal surgery, sexual problem or sex changes; vi. pregnancy (including child birth, miscarriage or abortion) and complication resulting therefrom or relating thereto and surrogacy except to the extent covered by Normal Delivery, Caesarean Section under Supplementary Maternity Benefit & Pregnancy Complications Benefits under New Parents Benefits), mental or nervous disorder (except to the extent covered by the In-patient Psychiatric Treatment under Special Care Benefit & Psychiatric Treatment under Supplementary Out-patient Benefit), HIV infection, AIDS Related complex and complications (except to the extent covered by the HIV / AIDS Treatment under Special Care Benefits); vii.cosmetic or plastic surgery, dental care and treatment (except to the extent covered by Emergency Dental Treatment under Emergency Treatment Benefits & Routine Dental Treatment under Supplementary Dental Benefit), corrective devices, treatments of refractive errors unless necessitated by injury caused by an accident, health check-up, vaccination (except to the extent covered by Health Check-up and Vaccination under Supplementary Out-patient Benefit) and treatment (except to the extent covered by the Emergency Out-patient Treatment under Emergency Treatment Benefits); viii.apart from all mentioned above, the following key exclusions also apply to the Supplementary Maternity Benefit: The infant is being given birth in a place where neither parent of the infant is a legal resident or citizen of the place of birth; or Any medical expenses or fees for nursery care incurred by the infant during the confinement. The above listed items are for reference only. Please refer to the policy provisions for the full list of exclusions. 4. Premium Adjustment and Product Features Revision i. Premium Adjustment In order to provide you with continuous protection, we will review and adjust the premium of your plan from time to time and make adjustment at the end of every policy year if necessary. During the review, we may consider factors including but not limited to the following: claim costs incurred from all policies under this plan and the expected claim outgo in the future which reflects medical trends, medical cost inflation and the change in the product features revision historical investment returns and the future outlook of the product's backing asset policy surrenders and lapses expenses directly related to the policy and indirect expenses allocated to this product ii. Product Features Revision We reserve the right to revise the benefit structure, terms and conditions and / or product features. We will issue a written notice to inform you if there is any revision in advance upon policy renewal or before end of a policy year. 18

20 5. Effective Date The below items will be effective on the following dates: Accidental injury Illness Items Treatment or surgery for tonsils, adenoids, hernia, cataract, sinus related conditions, piles / fissure / fistula-in-ano / rectal prolapse or a disease peculiar to the female generative organs In-patient Psychiatric treatment Organ Transplant New Parents Benefits HIV / AIDS Treatment Supplementary Out-patient Benefit Supplementary Out-patient Benefit - Health Check-up and Vaccination Supplementary Dental Benefit Supplementary Maternity Benefit Effective After Policy Commences or the date of reinstatement, whichever is later Immediately 30 days 120 days 12 months 12 months 12 months 5 years 30 days 90 days 180 days 12 months 6. Eligible Medical Benefit Expenses Claims of Eligible Medical Benefit Expenses must comply with the principles of Reasonable and Customary Charges and Medically Necessary. Reasonable and Customary Charges means under the similar conditions at local and treatment provided by persons with equivalent experience and professional status, the amount of service charge cannot be greater than the medical expense of a similar illness or injury with reasonable and customary levels. Medically Necessary means necessary and suitable diagnosis or treatment based upon recognized standards of the health care specialty and that the insured's illness or injury could not safely and adequately be treated while not being confined or without surgery. The Company reserves the right to make any discretionary adjustment for claim settlement based on above principles. 7. Claim Procedure You must notify us in writing within 20 days of the date of commencement of confinement / treatment, and send us the appropriate forms and relevant proof within 90 days of the date of discharge from hospital / treatment if you wish to make a claim. You can get the appropriate claim forms from your financial consultant or call the FTLife customer service hotline on

21 The information in this document is intended as a general summary for your reference only and does not constitute financial, investment or taxation advice or advice of whatsoever kind. You are recommended to seek professional advice from your independent advisors if you find it necessary. Please refer to the policy provision for the full terms and conditions. This document is intended to be distributed in Hong Kong only and shall not be construed as an offer to sell or a solicitation to buy or provision of any of our products outside Hong Kong. FTLife Insurance Company Limited hereby declares that it has no intention to offer to sell, to solicit to buy or to provide any of its products in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any product of FTLife Insurance Company Limited is illegal under the laws of that jurisdiction. A person who is not a party to the policy (including but not limited to the insured and the beneficiary) has no right to enforce any terms of the policy. The Contracts (Rights of Third Parties) Ordinance does not apply to the policy nor any document issued pursuant to the policy. 20

22 FTLife scoops prestigious industry accolades "Benchmark" Wealth Management Awards CaiJing The Most Favorite Hong Kong Insurance Brand CCTV Micro-Movie (Brand) Golden Award HKFI / SCMP Hong Kong Insurance Awards "Capital Weekly" Pro-Choice Award Outstanding Intergrated Marketing Strategies Award (Corporate) Most Innovative Product / Service Award "Hong Kong Business" High Flyers Awards - Life Insurance Stevie International Business Awards Re-Branding / Brand Renovation of the year Website Award Insurance Marketing Campaign of the Year Insurance Follow FTLife now: 富通保險有限公司 於百慕達註冊成立之有限公司 FTLife Insurance Company Limited A company incorporated in Bermuda with limited liabilities WeChat China Service Account WeChat International Account Facebook 18