MERCER MARSH BENEFITS CHOICE: KEY FEATURES

by Mercer Marsh Benefits MERCER MARSH BENEFITS CHOICE: KEY FEATURES MERCER MARSH BENEFITS CHOICE Enterprise Momentum is a service designed especially for clients of up to 100 employees to meet their health and benefits requirements throughout Asia. Through Enterprise Momentum solution Mercer Marsh Benefits Choice (recommended for 1-100 employees), we bring you a flexible and cost-effective protection plan for smaller employers. Pooling together our smaller clients and consolidating them into a single portfolio allowed us to achieve administrative cost savings, ensuring that even the smallest business can enjoy competitively designed and priced insurance for all employees. In addition to the benefits typically provided by most insurance carriers, MMB Choice insurance has unique features that include: GROUP HOSPITAL AND SURGICAL BENEFITS (CORE) No pre-existing conditions. Swipe card cashless facility. Outpatient diagnostic tests and treatment for: MRI/ CT scan/ PET scan Chemotherapy and radiotherapy treatment Pre and post hospitalization benefit. Waiver of General Practitioner referral. 90 day claim period. Wide range of room and board benefit options ranging from IDR 200,0005,000,000 per day, differentiated by policy job title and occupancy class selected. GROUP TERM LIFE (OPTIONAL MINIMUM OF 10 EMPLOYEES REQUIRED) High no evidence limit up to IDR 200,000,000. Competitive age-band fixed rate. Extended to Terminal Illness and Disablement benefit Sum assured amount by fixed amount or level as a multiple of monthly salary

GROUP PERSONAL ACCIDENT (OPTIONAL MINIMUM OF 10 EMPLOYEES REQUIRED) 24 hour worldwide coverage. Benefit coverage options include: Permanent Disablement due to accident, transportation allowance benefit for 12 months due to AD / PTD, Emergency Medical Evacuation due to accident and Funeral Expenses Extension coverage includes: Funeral expenses for drowning, suffocation by gas, poisonous fumes or smoke, terrorism or sabotage. Maximum entry age 65 years, renewable up-to 70 years. The sum assured amount usually follows the same as Group Term Life The breadth and depth of our knowledge of all aspects of health care enables us to provide effective solutions that could be difficult for you to achieve on your own. MMB Choice is a competitively priced employee benefits program that enables smaller employers to enjoy a full range of benefits in one convenient package including Group Medical, Outpatient, Group Term Life, Maternity, Dental and Personal Accident Coverage. MMB Choice provides the flexibility to select covers and riders according to your organization s needs and requirements. Through the Mercer Marsh Benefits packaged approach, smaller and emerging companies can take advantage of the resources, experience and expertise of one of the world s largest benefits consulting and brokerage firms under our Enterprise Momentum solutions and services. To find out how to gain access to Mercer Marsh Benefits Choice, contact your local Marsh Employee Health & Benefits experts: Natalia Lesmana natalia.lesmana@marsh.com +62 21 5797 8132 Dr. Kendra Hosea kendra.hosea@marsh.com +62 21 5797 8132 PT. Marsh Indonesia Sentral Senayan II, 15th Floor Jl. Asia Afrika no 8 Jakarta Pusat 10270 Indonesia IMPORTANT NOTICE: This document does not constitute or form part of any offer or solicitation or invitation to sell by either Marsh or Mercer to provide any regulated services or products in any country in which either Marsh or Mercer has not been authorized or licensed to provide such regulated services or products. You accept this document on the understanding that it does not form the basis of any contract. The availability, nature and provider of any services or products, as described herein, and applicable terms and conditions may therefore vary in certain countries as a result of applicable legal and regulatory restrictions and requirements. Please consult your Marsh or Mercer consultants regarding any restrictions that may be applicable to the ability of Marsh or Mercer to provide regulated. Copyright 2014 Marsh LLC. All rights reserved.

KEY FEATURES INCLUDE: HOSPITAL AND SURGICAL TYPICAL BENEFIT SCHEME INNER LIMIT HOSPITALIZATION AND SURGICAL (MANDATORY) No. Benefit IPS200 IPS 500 IPS 800 IPS1200 IPS3000 1 Hospital Room & Board, 365 days 200,000 500,000 800,000 1,200,000 3,000,000 2 Intensive Care Unit (ICU), 365 days 1,000,000 2,500,000 4,000,000 6,000,000 15,000,000 3 Miscellaneous Hospital Expenses 12,000,000 30,000,000 48,000,000 72,000,000 180,000,000 4 Surgical Fee including Theater's Fee and Anesthetist's Fee (without table) 40,000,000 100,000,000 160,000,000 240,000,000 600,000,000 5 Daily Hospital GP fee, 365 days 200,000 500,000 800,000 1,200,000 3,000,000 6 Specialist fee, 365 days 400,000 1,000,000 1,600,000 2,400,000 6,000,000 7 Private nurse, 365 days 200,000 500,000 800,000 1,200,000 3,000,000 8 Pre & Post hospitalization (30 days before & 90 days after) 1,000,000 2,000,000 3,200,000 4,800,000 12,000,000 9 Ambulance 750,000 1,000,000 1,500,000 2,000,000 3,000,000 10 Emergency Dental due to accident 800,000 1,812,500 3,100,000 3,900,000 9,000,000 11 Emergency Outpatient due to accident 1,600,000 3,625,000 6,200,000 7,700,000 17,500,000 12 Odontectomy / Wisdom Teeth Surgery 1,500,000 3,750,000 6,000,000 9,000,000 22,500,000 Annual Limit Unlimited 13 Death Benefit due to illness and accident and disablement 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 OUTPATIENT (OPTIONAL) No. Benefit OPS40 OP70 OPS100 OPS140 OPS 500 1 GP Consultation Fee, max. 1 x visit / day 40,000 70,000 100,000 150,000 500,000 2 Specialist Fes, max. 1 x visit / day 120,000 210,000 300,000 450,000 1,500,000 3 Prescribed Medicines, per-year 1,500,000 1,850,000 2,350,000 3,000,000 8,000,000 4 Lab & Diagnostic Test 1,000,000 1,300,000 1,800,000 2,500,000 6,800,000 5 Physiotherapy, max. 1 x visit/ day 40,000 70,000 100,000 140,000 500,000 6 Immunization, per-year 850,000 1,155,000 1,650,000 2,500,000 4,800,000 7 Family planning, per year 850,000 1,155,000 1,650,000 2,500,000 4,800,000 8 Administration, max. 1 visit per day 30,000 60,000 90,000 130,000 175,000 Annual Limit 3,200,000 5,600,000 8,000,000 11,200,000 40,000,000 MATERNITY (OPTIONAL) No. Benefit MAS6250 MAS10500 MAS15000 MAS21000 MAS 26000 1 Normal Delivery 3,250,000 8,500,000 11,500,000 21,000,000 26,000,000 2 Caesarean 4,850,000 12,750,000 17,250,000 31,500,000 39,000,000 3 Miscarriage 2,550,000 6,500,000 9,500,000 15,900,000 25,500,000 4 Pre & Post Natal (Including Admin Fee) 1,850,000 4,850,000 7,150,000 12,000,000 19,250,000

DENTAL (OPTIONAL) No. Benefit DES 2000 DES 5000 DES 8000 DES 12000 DES 30000 1 Basic Treatment, per-year 600,000 1,500,000 2,250,000 3,000,000 3,750,000 2 Preventive Treatment, per-visit 200,000 500,000 800,000 1,200,000 3,000,000 3 Complex Treatment, per-year 1,200,000 2,025,000 2,850,000 3,675,000 4,500,000 4 Dentures, per-year 1,000,000 1,750,000 2,500,000 3,250,000 4,000,000 5 Gum Treatment, per year 810,000 1,750,000 2,500,000 3,250,000 4,000,000 6 Restorative per year 810,000 1,750,000 2,500,000 3,250,000 4,000,000 7 Administration, max. 1 visit per day 30,000 60,000 90,000 130,000 175,000 Annual Limit 2,000,000 5,000,000 6,500,000 7,000,000 8,500,000

HOSPITAL AND SURGICAL TYPICAL BENEFIT SCHEME AS CHARGED HOSPITALIZATION AND SURGICAL (MANDATORY) No. Benefit IPS200 IPS 500 IPS 800 IPS1200 IPS3000 1 Hospital Room & Board, 365 days 200,000 500,000 800,000 1,200,000 3,000,000 2 Intensive Care Unit (ICU), 365 days 3 Miscellaneous Hospital Expenses 4 Surgical Fee including Theater's Fee and Anesthetist's Fee (without table) 7 Daily Hospital GP fee, 365 days 8 Specialist fee, 365 days 9 Private nurse, 365 days 10 Pre & Post hospitalization (30 days before & 90 days after) 11 Ambulance 12 Emergency Dental due to accident 13 Emergency Outpatient due to accident 14 Odontectomy / Wisdom Teeth Surgery 1,500,000 3,750,000 6,000,000 9,000,000 22,500,000 Annual Limit 40,000,000 100,000,000 160,000,000 240,000,000 600,000,000 15 Death Benefit due to illness and accident and disablement OUTPATIENT (OPTIONAL) No. Benefit OPS40 OP70 OPS100 OPS140 OPS 500 1 GP Consultation Fee, max. 1 x visit / day 200,000 500,000 800,000 1,200,000 3,000,000 2 Specialist Fes, max. 1 x visit / day 3 Prescribed Medicines, per-year 4 Lab & Diagnostic Test 5 Physiotherapy, max. 1 x visit/ day 6 Immunization, per-year 7 Family planning, per year 8 Administration, max. 1 visit per day Annual Limit 3,200,000 5,600,000 8,000,000 11,200,000 40,000,000

MATERNITY (OPTIONAL) No. Benefit MAS6250 MAS10500 MAS15000 MAS21000 MAS 26000 1 Normal Delivery 2 Caesarean 3 Miscarriage 4 DENTAL (OPTIONAL) No. Benefit DES 2000 DES 5000 DES 8000 DES 12000 DES 30000 1 Basic Treatment, per-year 2 Preventive Treatment, per-visit 3 Complex Treatment, per-year 4 Dentures, per-year 5 Gum Treatment, per year 6 Restorative per year 7 Administration, max. 1 visit per day Pre & Post Natal (Including Admin Fee) Annual Limit 6,700,000 17,600,000 24,400,000 43,500,000 58,250,000 Annual Limit 3,200,000 5,600,000 8,000,000 11,200,000 40,000,000