SING EXPAT INTERNATIONAL HEALTH COVER ON YOUR DOORSTEP 2015 EXPENSES COVERED FROM THE 1 ST SGD SPENT MEDICAL.

Transcription

1 MEDICAL EXPENSES COVERED FROM THE 1 ST SGD SPENT SING EXPAT INTERNATIONAL HEALTH COVER ON YOUR DOORSTEP Only print if necessary

2 MY ARRIVAL CHECKLIST find THE PERFECT PLACE have a drink with the ambassador (and register) get my visa!!! get a great health insurance check 2016 public holidays Find an affordable school for the kids Singtel, Starhub?!? Withdraw cash for the taxi driver Book a 3 days weekend in Tioman 01

3 SING' EXPAT, MADE BY EXPATRIATES FOR EXPATRIATES SING EXPAT IS A SOLUTION DESIGNED FOR PEOPLE SEEKING HEALTH COVERAGE WHILE AWAY FROM HOME, ANYWHERE IN THE WORLD, FOR MORE THAN 15 DAYS. WHETHER ALONE OR WITH YOUR FAMILY, ON A SHORT TERM MISSION OR LONG TERM LIFE CHANGING CHALLENGE, THIS POLICY PROVIDES COMPREHENSIVE AND FULLY FLEXIBLE COVER FOR MEDICAL EXPENSES & REPATRIATION ASSISTANCE. À LA CARTE COVER Routine or unforeseen healthcare expenses? Sing Expat covers your medical expenses from the 1st SGD spent with flexible benefits to suit your needs: 4 LEVELS OF COVER 1. ESSENTIAL 2. EFFICIENT 3. EXTENSIVE 4. ELITE Inpatient Only Inpatient + Outpatient Services + Wellbeing Inpatient + Outpatient Services + Wellbeing + Maternity + Dental Care Inpatient + Outpatient Services + Wellbeing + Maternity + Dental Care + Optical Care Inpatient Excess of SGD 0, SGD 2,000, SGD 5,000, SGD 10,000, SGD 15,000, SGD 20,000 Direct payment of hospital charges: we can arrange for your hospital bills (within our network) to be settled directly. This means you have nothing to pay to the hospital. We'll take care of it! Doctor appointment: we book it for you, and if it is within our medical network you don't have anything to pay upfront! Free Second Medical Opinion Service. 24/7 Medical Advice. NEED ASSISTANCE DURING YOUR STAY? APRIL International will organise your medical repatriation to your country of nationality or to the most suitable hospital at any time of the day or night. We will also cover travel and accommodation costs of a relative visiting you. A POLICY SPECIALLY DESIGNED FOR PEOPLE AWAY FROM HOME OUR MULTILINGUAL TEAMS AT YOUR SERVICE Translation services to help with administrative formalities and paperwork. Wide range of premium payment facilities. (installments, bank transfer, direct debit, cheque) Cover applies during visits to your country of nationality. BY TELEPHONE Monday to Friday from 9 AM to 10 PM - Singapore time BY contact.sg@april.com AT OUR OFFICE 75 Kim Yam Road #01-01, Singapore

4 GET THE COVER YOU REALLY NEED TAILORED TO YOUR BUDGET AND LIFESTYLE 01 CHOOSE THE BENEFITS FOR WHICH YOU WOULD LIKE TO BE COVERED EFFICIENT EXTENSIVE elite Inpatient Inpatient Inpatient Outpatient Services Outpatient Services Outpatient Services Maternity Maternity Dental Care Dental Care Optical Care OR essential cover looking for cover in case of serious health conditions? check our inpatient only plan. 02 CHOOSE YOUR MEDICAL ANNUAL LIMIT SGD 500,000 SGD 1,000,000 SGD 2,000,000 WHICH HOSPITAL DO YOU WANT TO GO TO* PUBLIC P R I VAT E 03 FINE TUNING CHOOSE FROM 6 levels of excess To REDUCE YOUR PREMIUM (INPATIENT only) SGD 0 SGD 2,000 SGD 5,000 SGD 10,000 SGD 15,000 SGD 20,000 *In case of hospitalisation abroad, the insured will be entitled to go to private hospital. Benefits will be limited to usual customary and reasonable charges in the area where treatment is provided. 03

5 COMPREHENSIVE MEDICAL COVER AND INNOVATIVE BENEFITS pricing "tribu" A "tribu" gather individuals who are not necessarily sharing a family relationship. It could be your partner, your home employee, your friend, etc. Thus, you can select different plans within the TRIBU. For example: you take an Extensive cover for yourself; an Elite cover for your partner and your son, and an Essential cover for your maid. 10% discount will apply on the total premium amount. = 5% DISCOUNT = 7.5% DISCOUNT = 10% DISCOUNT = 15% DISCOUNT and more If one member of the TRIBU wants to terminate the contract before the termination date, the full premium will still be requested. Failure to do so, a penalty equal to 1.5 times the total remaining premium will be charged to the members of the TRIBU. FLEXIBLE LENGTH OF COVER Coming for a 1 months internship? Staying for a 6 months temporary mission for your company? Coming for a 3 months job seeking challenge? You can take up our plan for the time of your stay from 15 days to several months to perfectly suit your needs. (This option is granted to Essential and Efficient formulas only, up to SGD500,000 annual limit and public hospitals only) IMPORTANT 1. The contract is available up to 71 years old. Long term insurance plan (12 months contract) may be renewed each year subject to General Conditions and Premiums in force at each renewal. Temporary plan may be extended upon request subject to full medical underwriting for each extension. 2. You can reduce your premium by choosing an excess of SGD2,000, SGD5,000, SGD10,000, SGD15,000 or SGD20,000 It means that you will pay the first SGD2,000, SGD5,000, SGD10,000, SGD15,000 or SGD20,000 in case of hospitalisation and APRIL will reimburse you everything, above the chosen excess shown on your certificate. It also means it can "top-up" a current basic cover you may already have. TO BE COVERED YOU MUST: Be under 71 years old at the start date stated in the Certificate. Reside - in Singapore. - anywhere in the world if the client is of Singaporean nationality. Have met the Eligibility stated in the contract and have signed the completed health questionnaire which will have a maximum validity period of 30 days from the date of signature. 04

6 2015 PREMIUMS FOR MEDICAL COVER ANNUAL PREMIUMS 2015 (ALL TAXES INCLUDED) IN SGD. ALL THE PREMIUMS BELOW ARE CALCULATED ON INDIVIDUAL BASIS FOR ONE YEAR WITHOUT EXCESS, IN PUBLIC HOSPITAL WITH SGD500,000 ANNUAL LIMIT. FOR SHORTER PERIOD OF COVERAGE, EXCESS UP TO SGD20,000, HIGHER ANNUAL LIMIT OR ACCESS TO PRIVATE HOSPITAL PLEASE REQUEST FOR A QUOTE. To calculate your premium, check the zone for your destination country. If you require worldwide cover, you should choose zone 1. ZONE 1 ZONE 2 ZONE 3 Worldwide Worldwide excluding Canada, Japan, Switzerland, the Bahamas and the USA. RECOMMENDED ZONE IF YOU ARE IN SINGAPORE Worldwide excluding Canada, Japan, Switzerland, the Bahamas, the USA, Singapore, China, Hongkong and UK WHERE AM I COVERED? Zone 1: Wherever in the world regardless the length of stay. Zone 2: Cover is acquired in Zone 2 and 3. Cover is also valid in the event accident or sudden illness during temporary stays of less than 90 consecutive days in Zone 1 (Canada, Japan, Switzerland, the Bahamas and the USA). Zone 3: Cover is acquired in Zone 3 only. Cover is also valid in the event of accident or sudden illness during temporary stays of less than 90 consecutive days in Zone 1 or 2 (Canada, Japan, Switzerland, the Bahamas, the USA, Singapore, China, Hong Kong and the UK). Example: Maxence is an expatriate in Singapore and has selected Zone 2 as a zone of cover. He often goes to the USA for business trips. He has a car accident in NYC and he gets injured. April will cover all his medical expenses even if he is in an "excluded country" for Zone 2 as it is an emergeny. ANNUAL INDIVIDUAL PRICING WITH NIL EXCESS, PUBLIC HOSPITALS ONLY, SGD500,000 ANNUAL LIMIT i n S G D INCLUDING TAX ESSENTIAL EFFICIENT EXTENSIVE ELITE INCLUDING ASSISTANCE 0-20 $1,986 $3,229 $5,071 $5, $2,418 $3,777 $6,729 $7,975 ZONE $2,719 $4,554 $7,848 $9, $3,003 $5,183 $8,734 $10, $3,449 $6,050 $9,980 $11, $3,924 $6,959 $11,176 $12, $4,681 $8,317 $12,789 $14, $5,441 $9,702 $14,537 $15, $7,088 $12,067 $18,424 $18, $10,371 $17,152 $22,742 $24, $13,068 $21,753 $30,797 $32,985 >70 $18,733 $31,161 $41,938 $48,

7 2015 PREMIUMS FOR MEDICAL COVER ANNUAL INDIVIDUAL PRICING WITH NIL EXCESS, PUBLIC HOSPITALS ONLY, SGD500,000 ANNUAL LIMIT ZONE 2 i n S G D INCLUDING TAX ESSENTIAL EFFICIENT EXTENSIVE ELITE INCLUDING ASSISTANCE 0-20 $1,357 $2,185 $3,413 $3, $1,645 $2,550 $4,518 $5, $1,845 $3,068 $5,264 $6, $2,035 $3,488 $5,855 $6, $2,332 $4,066 $6,686 $7, $2,649 $4,672 $7,483 $8, $3,153 $5,577 $8,558 $9, $3,660 $6,501 $9,724 $10, $4,764 $8,083 $12,321 $12, $6,953 $11,473 $15,200 $16, $8,758 $14,548 $20,578 $22,036 >70 $12,535 $20,820 $28,005 $32,687 ANNUAL INDIVIDUAL PRICING WITH NIL EXCESS, PUBLIC HOSPITALS ONLY, SGD500,000 ANNUAL LIMIT ZONE 3 i n S G D INCLUDING TAX ESSENTIAL EFFICIENT EXTENSIVE ELITE INCLUDING ASSISTANCE 0-20 $1,105 $1,768 $2,750 $2, $1,335 $2,060 $3,634 $4, $1,495 $2,474 $4,231 $4, $1,647 $2,810 $4,704 $5, $1,885 $3,272 $5,368 $6, $2,138 $3,757 $6,006 $6, $2,542 $4,481 $6,866 $7, $2,947 $5,220 $7,798 $8, $3,834 $6,489 $9,880 $9, $5,585 $9,202 $12,183 $12, $7,034 $11,666 $16,490 $17,656 >70 $10,055 $16,684 $22,432 $26,177 To GET A MORE DETAILED QUOTE: Visit en.april-international.com/singapore us at contact.sg@april.com For temporary cover, premiums will be defined as follow : PERIOD of insurance premium charged 1 month 25% of annual premium 2 months or less 35% of annual premium 3 months or less 50% of annual premium 5 months or less 60% of annual premium 7 months or less 75% of annual premium 8 months or more 1 full year premium Maurice, 22, needs a 6 months cover during his internship in Singapore. For an essential plan he will pay: 1,645*75% = SGD 1,234 Applicable to Essential and Efficient Plans Only up to Annual Limit of SGD500,000 - Public Hospitals cover 06

8 BENEFITS COMPREHENSIVE COVER DESIGNED FOR EXPATRIATES ALL PRICES ARE IN SGD MEDICAL BENEFITS ESSENTIAL EFFICIENT EXTENSIVE ELITE Maximum amount of medical expenses per insurance year and per insured individual $500,000 or $1,000,000 or $2,000,000 It is up to you! LEVEL OF REIMBURSEMENT inpatient Direct payment of hospital charges REASONABLE AND CUStomary costs Provided on request 24 hours a day, if prior agreement has been obtained INPATIENT SERVICES (subject to APRIL's prior agreement) Surgical Hospitalization Intensive Care Medical Hospitalization Daycare Treatment Local Ambulance Accident and Emergency Room Services Medical and Surgical Fees Pathology, Diagnostic Test Screening, Analysis and Drugs Medical Procedures Kidney Dialysis Accommodation, up to $350 (Public), $400 (Private) per day, up to $450 (Public) $550 (Private) per day, up to $600 (Public) $700 (Private) per day Parental Accommodation, up to $200 per night (in the same room) (in the same room) Nursing at Home Inpatient Psychiatric Care (subject to APRIL's prior agreement) 12 months waiting period Short Term Rehabilitation Care Reconstructive Surgery following an accident, up to 30 days, up to 30 days per year for max. 100 days lifetime limit Dental Treatment following an accident, up to $1,500 per year Cancer Treatment Congenital Conditions and Birth Defect*, up to $100,000 (single lifetime limit for inpatient and outpatient), up to $200,000 (single lifetime limit for inpatient and outpatient) *Congenital conditions and birth defect applies only for newborn enrolled within 30 days after birth and is subject to a lifetime limit. 07

9 HIV/AIDS Treatments 2 years waiting period up to $100,000 for the duration of the contract Organ Transplant, up to $300,000 per diagnostic, up to $500,000 per diagnostic Hospice and Palliative Care Prostheses, Medical Aids and Devices Pre and Post Hospitalisation Treatment up to $50,000 for the duration of the contract, up to $1,000 per hospitalisation 30 days prior and after hospitalisation up to $100,000 for the duration of the contract, up to $3,000 per hospitalisation, up to $5,000 per hospitalisation OUTPATIEnt services ESSENTIAL EFFICIENT EXTENSIVE ELITE General practitioners consultations Specialists Consultations Physiotherapy (subject to APRIL's prior agreement if more than 5 sessions are required) Nursing Care, Speech Therapists, Orthoptists (subject to APRIL's prior agreement) costs up to $2,000 per year up to $5,000 per year up to $10,000 per year Complementary Therapies* (subject to APRIL's prior agreement if more than 5 sessions are required) Psychiatrists 12 months waiting period, up to 5 visits per year and up to $90 per visit, up to 10 visits per year and up to $150 per visit Prescription Drugs Laboratory Tests, X-rays, MRI and CT scans up to $5,000 per year up to $10,000 per year Outpatient Equipment and Prosthetics (subject to APRIL's prior agreement when equipment is above SGD 600), up to $200 per item, up to $400 per item, up to $800 per item Cancer Treatment Congenital Conditions and Birth Defect, up to $100,000 (single lifetime limit for inpatient and outpatient), up to $200,000 (single lifetime limit for inpatient and outpatient) WELLBEING ESSENTIAL EFFICIENT EXTENSIVE ELITE Vaccinations (12 months contract only) Screening and Routine Health Checkups (12 months contract only) up to $1,000 per year up to $1,500 per year up to $2,500 per year Preventive Health Care** (12 months waiting period) *Complementary therapies and consultants provided by registered and properly qualified Osteopaths, Chiropractors, Homeopaths. **Preventive Health Care, when shown in the Certificate and up to the granted limits, includes anti-malarial treatment, smoking cessation support and herbalists and dieticians treatments. 08

10 MATERNITY CARE 12 months waiting period CHILDBIRTH: Direct payment of hospital charges in the event of childbrith ESSENTIAL EFFICIENT EXTENSIVE ELITE Provided on request 24 hours a day, if prior agreement has been obtained from APRIL NORMAL PREGNANCY: Delivery costs (including doctor s fees), antenatal checkups, postnatal checkups, examinations, hospital accommodation costs, nursing charges and newborn child accommodation when staying with mother (subject to APRIL s prior agreement), up to $8,000 per pregnancy (increased to $16,000 per pregnancy in case of surgical delivery), up to $12,000 per pregnancy (increased to $24,000 per pregnancy in case of surgical delivery) Complications of Pregnancy (subject to APRIL s prior agreement) Newborn Care, up to $50,000, up to $100,000 DENTAL CARE ESSENTIAL EFFICIENT EXTENSIVE ELITE Routine Dental Procedures 3 months waiting period, up to $700 per year, up to $1,500 Dentures and implants (subject to APRIL s prior agreement when treatment is above SGD 2,000) 6 months waiting period, up to $2,500 per year Orthodontics up to age 16 (subject to APRIL s prior agreement) 6 months waiting period Childrend up to 16 years full refund, up to $3,000 per year, for max. 3 years optical CARE 6 months waiting period ESSENTIAL EFFICIENT EXTENSIVE ELITE Frame and Lenses Contact Lenses including disposable lenses, up to $500 per year What is the service that is not available if period of cover is less than 6 months? The cashless network or the making appointment? GREAT SERVICES ARE AVAILABLE TO YOU: YOUR CASHLESS NETWORK To simplify the life of our insured, get access to one of the leading healthcare networks in Singapore: 600 GPs and specialists clinics, with no cash advance required for small amount of expenses; we'll settle your bill directly. This service is available for: consultations with GPs and given medication limited to $50. consultations with Specialist and given medication limited to $100. On demand, we will make an appointment for you with the healthcare professional best suited to your needs (GPs and specialists). This service is not available under the Essential Plan and for period of cover of less than 6 months. DIRECT PAYMENT OF YOUR HOSPITAL CHARGES WORLDWIDE If you are hospitalised (for more than 24 hours or day surgery) we can pay your hospital charges on your behalf: we will contact the hospital to settle your bill and you have nothing to pay up front (except the excess if selected). This service is subject to prior agreement. 09

11 IN CASE OF ACCIDENT, ILLNESS OR SERIOUS PROBLEM, WE WILL BE HERE TO ASSIST YOU 24 HOURS A DAY, 7 DAYS A WEEK. SIMPLY CALL US. REPatriation. evacuation and assistance services Included in every plan In the event of the accident or sudden severe illlness of the insured: Evacuation / Repatriation for medical reasons: Emergency Medical Evacuation Emergency Medical Repatriation Search and rescue expenses Return of the insured to the Country of Residence after stabilisation Presence of a family member during Hospitalisation up to $8,500 per person, up to $25,000 per event return economy class airline ticket or 1st class railway ticket return economy class airline ticket or 1st class railway ticket and $200 per night for max 10 nights Supply and delivery of medication not available locally Return of insured Family members return economy class airline ticket or 1st class railway ticket Accompanying children return economy class airline ticket or 1st class railway ticket In the event of the death of the insured: Repatriation of the mortal remains and cost of the coffin Cost of transportation coffin up to $2,500 Presence of a person to accompany the deceased return economy class airline ticket or 1st class railway ticket and $200 per night for max 4 nights Return of insured Family members return economy class airline ticket or 1st class railway ticket If personal effects are lost or stolen abroad: Cash Advance outside your Home Country or Country of Residence up to $2,500 Travel Assistance up to $2,500 Sending urgent messages In the event of an unintentional infraction of the law abroad: Your legal expenses occurred while abroad Cost of bail while abroad up to $2,500 per event up to $25,000 per event In the event of the death or the hospitalisation of a family member: Compassionate Home Travel (subject to APRIL's prior agreement) return economy class airline ticket or 1st class railway ticket In the event of language difficulties Translation of legal or administrative documents up to $850 per insurance year 10

12 HEALTHCARE COSTS WORLDWIDE WITH SING' EXPAT INSURANCE, YOU ARE PROTECTED FROM ANYTHING THAT MIGHT DISRUPT YOUR TIME ABROAD, WHATEVER YOUR DESTINATION. Siew Hoon and her family have been living in New York for two years. Following a heart attack, her doctors recommended her a heart surgery. How much was her hospital bill? USD 75,800 APPROX. SGD 104,100 2 weeks after his arrival, Mr Marout caught the Dengue. He had to be hospitalised for 5 days for a cost of SGD 8,960 While playing beach volleyball at Sentosa, John has torn his knee, and need cruciate ligaments repair. How much would it have cost if he wasn't insured? SGD 25,600 Mr. Gunther, 50 years old, is on holidays with his wife and two children in Langkawi. He has a stroke and needs to be repatriated by air ambulance to Singapore urgently. The air ambulance cost USD 37,150. Mr. Gunther was then hospitalised in Singapore for 1.5 month in intensive care unit. The cost for his hospitalisation was SGD 280,000 Ms. Fernandez is 30 years old. She was diagnosed pneumonia in Singapore. She stayed in the hospital for 1.5 month for a total cost of SGD She was then repatriated to her home country, Germany by commercial airline. The total cost with the accompanying nurse was SGD 140,000 Jeannie is 29 years old. After 2 years living in Singapore, she got pregnant. For the whole maternity care (prenatal, post-natal and delivery) it costed her SGD 11,100 The costs shown refer to cases handled by April Medical Department. They are provided for information purposes only and have no contractual value. The currency exchange used are those in force at the time the treatment was received. 11

13 OUR EXCLUSIVE SERVICES MAKING LIFE EASIER The doctor gives you a treatment and you're not sure about it? You need a free second medical opinion? We are here. CALL our assistance platform A local address where you can come during office hours. Because it is always easier in person. COME TO 75 KIM YAM ROAD, #01-01 SINGAPORE This personalised card provides you with emergency contact numbers available 24/7 for: direct payment of hospital charges during approved hospitalisation, requesting emergency assistance, facilitates your admission to a medical centre in the event of emergency hospitalisation. to simplify procedures, the card contains your personal details (name, first name(s) and policy numbers). Direct payment of hospital charges. We can arrange for your hospital bills to be settled directly, this means you have nothing to pay to the hospital, we will take care of it. Doctor appointment We book it for you and if it is within our medical network, you have nothing to pay up front. Office hours: 9.00 AM to 6.00 PM You have just arrived in Singapore and are looking for somewhere to live. You have found a flat in a great location. However, the lease agreement is in Chinese and you are not familiar with legal terms in that language. With assistance cover, make things easier by simply asking us to arrange for your lease to be translated. You are using your time in Bali to take up surfing. During your very first lesson, you break your collarbone. You are immediately taken to the nearest hospital where you are examined and given the care you need. We will make sure you are receiving the needed level of care. 12

14 (serving as proof of insurance) Details of your policy Insured individuals Member (payer of the premium) Your benefits Medical expenses Repatriation assistance Personal liability and legal assistance Death and total and irreversible loss of autonomy Income protection Tel.: + 33 (0) Fax: +33 (0) info@aprilmobilite.com - Printed with vegetal inks on recycled paper Ref: Am 2015 AMBASSADE L'ASSURANCE MODULABLE QUI S'ADAPTE LE MIEUX À VOTRE PROFIL D'EXPATRIÉ 2015 SECTION A. PATIENT INFORMATION (TO BE COMPLETED BY THE INSURED PERSON OR HIS/HER LEGAL REPRESENTATIVE) 1. Full Name: 2. Date of birth: Download our free mobile app APRIL Expat! Follow us on Facebook and Twitter Printed with vegetal inks on recycled paper 4. Sex: Male Female SECTION B. CLAIM INFORMATION (TO BE COMPLETED BY THE INSURED PERSON OR HIS/HER LEGAL REPRESENTATIVE) 6. State the nature of illness and the date upon which 7. Have you ever received treatment (including prescription drugs) for this condition or any related condition before this episode. Please provide dates and details of previous treatment. 11. Please complete the following table Date of List expenses for which reimbursement claimed State currency and State in full, to whom you Currency of treatment (Original accounts will be required) amount paid wish settlement paid settlement HOW THE POLICY OPERATES USEFUL INFORMATION BEFORE YOU APPLY WHEN AM I COVERED? Cover takes effect on the day of acceptance following receipt of the completed Application form, premium payment and any additional documents requested (subject to medical approval). HOW LONG AM I COVERED? Cover is for a minimum of 15 days and can be cancelled at each renewal date. Cover ceases automatically: when the age limit is reached. if you do not pay the premium. if you are no longer an expatriate. Supporting documentation must be produced. HOW To Apply? Complete and sign the attached Application form. The principal insured, and each member of the TRIBU should complete and sign the Health questionnaire. Please enclose payment of your 1st premium with your Application form and Health questionnaire: by cheque in SGD made payable to APRIL Singapore Expat Pte. Ltd. arrange for the bank transfer to be made (include a copy of the transfer order). Send your application or drop it off at the office: 75 Kim Yam Road, #01-01 Singapore Your application will be processed within 2 working days. Your cover will start immediately after payment. You will then receive: Membership certificate Ambassade GENERAL CONDITIONS 2015 SING' EXPAT Mr. DOE John Policy Number: SING/70001/001/S5ELB2X Period of Cover: 15/03/ /03/2016 Date of birth: 15/03/1995 The above person benefits from the direct payment of hospital fees. Kindly facilitate hospital admission by calling one of the numbers noted on the other side of this card. COUVERTURE DES FRAIS DE SANTE AU 1 Information contact.sg@april.com Tel: international your membership certificate serving as your i nsu rance certificate the general conditions showing how your policy operates your insurance card containing emergency contact numbers for requesting assistance services or before admission to hospital A form to fill UP in order to get reimbursement for your claims and send it to our local office in singapore To accelerate your application process, you can fill in the application form online and submit it. In any case you will have to send us the hard signed copy. 13

15 MY ARRIVAL CHECKLIST find THE PERFECT PLACE have a drink with the ambassador (and register) get my visa!!! get a great health insurance check 2016 public holidays Find an affordable school for the kids Singtel, Starhub?!? Withdraw cash for the taxi driver Book a 3 days weekend in Tioman NOTEPAD (for questions, drawings, groceries list...) CALL YOUR ADVISER

16 APRIL, CHANGING THE IMAGE OF INSURANCE APRIL, an international insurance services group, has chosen innovation as the key to driving its development, by seeing insurance from the customer's perspective. Making this commitment, which means pushing boundaries and keeping things simple, has enabled APRIL to become in under 20 years the leading wholesale broker in France and an international authority with operations in 34 different countries. Over 4,000 staff members insure, advise, design, manage and distribute insurance solutions and assistance services for private individuals, professionals and businesses, amounting to some 6 million policyholders. APRIL's turnover in 2013 was million. WORLDWIDE PRESENCE IN 34 COUNTRIES APRIL INTERNATIONAL, SPECIALISING IN INTERNATIONAL INSURANCE FOR 40 YEARS OUR PROMISE Top quality management of your insurance choices: 4 offices in Paris, Bangkok, Mexico and Singapore Multilingual teams at your service Clear and easy to understand products supported by a range of services For every expatriate situation, an international insurance solution Check out our website: FOR MORE INFORMATION, CONTACT YOUR INSURANCE CONSULTANT: This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA or SDIC websites ( or Headquarters: 75 Kim Yam Road #01-01, Singapore Tel: Fax: contact.sg@april.com