Group Supplementary Major Medical Insurance

PRODUCT FEATURES

This product is a supplemental medical plan to social medical insurance for those people who are covered by the Social Medical Insurance Scheme in the relevant province in China. It is a plan for local Chinese employees. There is either no excess or between 30% to 10% deductible, guaranteeing a very competitive rate to your employees.

This cover is extended 24 hours a day worldwide.

Retired employees and under 65 years of age are entitled to join the plan.

BENEFITS

This coverage includes all the eligible medical expenses in respect of the deductible and co-payment amount incurred by the insured employee for hospitalization and special outpatient treatment under the Social Medical Insurance Scheme in China. Dental care and maternity can also be included.

Eligible medical expenses are defined in the Social Medical Insurance Scheme in China.

Group Comprehensive Major Medical Insurance

PRODUCT FEATURES

The primary purpose of this insurance coverage plan is to provide comprehensive hospitalization benefits to those employees who are not covered by the Social Medical Insurance. Both expatriates and local Chinese employees might be interested in joining this scheme.

This cover is extended 24 hours a day worldwide.

Employees under 65 years of age, their dependant spouse and children can join the plan.

BENEFITS

The insured will be covered for:

1. Hospitalization and outpatient treatment expenses

2. Routine and emergency outpatient expenses (optional)

3. Dental treatment (optional)

4. Maternity (optional)

Worldwide Healthcare Plan

PRODUCT FEATURES

This product has been designed especially for international executives (expatriates living in China and Senior Chinese executives) who have permanent residence in China and who often travel abroad. This insurance plan offers comprehensive and extended coverage with flexible annual limits up to 8 million and services that include: hospitalization, routine outpatient expenses, maternity, dental and vision treatments which can all be tailored to your employees’ needs. By joining this plan, your employees can also enjoy a worldwide or regional coverage so that they are always protected when traveling for holidays or business trips.

BENEFITS

Both expatriates and senior Chinese managers can join this plan. Areas covered are flexible. The following benefits can all be included and compensation will be granted for:

1. Hospitalization (Compulsory)

2. Routine Outpatient Expenses (Optional)

3. Maternity (Optional)

4. Dental Treatment (Optional)

5. Extended Coverage (Optional)

Group Accidental Medical Reimbursement Insurance Rider

PRODUCT FEATURES

The primary purpose of this product is to provide the insured with a hospitalization option in the event of accidental injury.

This cover is extended 24 hours a day worldwide.

Any employee under age of 65 is entitled to join this plan.

BENEFITS

This insurance will pay the necessary hospital medical expenses arising from accidental cause including consultation, treatments, medication, surgery, ambulance, medical test fees and hospitalization expenses.

Some of the hospitalization expenses covered are：

Group Dread Disease Insurance Rider

PRODUCT FEATURES

The purpose of this insurance rider is to provide an insured with a lump sum benefit upon the occurrence of critical illnesses. This plan enables employees to seek the best medical treatment and reduce his financial burden so that they can have a better chance of early recovery and the opportunity to return to work full time.

This cover is extended 24 hours a day worldwide.

Employees under age of 65 are entitled to join this plan.

BENEFITS

There are three types of coverage under this plan which can include 28, 20 or 10 dread diseases according to your requirements.

During the insurance period, if the insured suffers from any of these critical illnesses a lump sum shall be payable. Below follows the list of diseases covered by each of the three plans.

10 dread disease insurance

1. Cancer

2. Acute myocardial infarction

3. Stroke sequelae

4. Major organ transplant or hematopoietic stem cells transplant

5.Coronary artery bypass surgery ( or coronary artery bypass grafting)

6. Kidney failure, uremia

7. Heart valve disease requiring surgery

8. Sever Parkinson syndrome

9. Coronary artery disease requiring surgery

10. Chronic liver failure or decompensated cirrhosis

20 dread disease insurance

1. Cancer

2. Acute myocardial infarction

3. Stroke sequelae

4. Major organ transplant or hematopoietic stem cells transplant

5.Coronary artery bypass surgery ( or coronary artery bypass grafting)

6. Kidney failure, uremia

7. Acute or sub acute severe hepatitis

8. Benign brain tumor

9. Chronic leaver disease

10. Squelae of meningitis or encephalitis

11. Loss of hearing/deafness

12. Loss of vision

13.Paralysis/Paraplegia

14. Heart valve disease requiring surgery

15. Alzheimer’s disease / Irreversible organic degenerative brain disorders

16. Major head trauma

17. Severe Parkinson’s disease

18. Major burns

19. Aorta surgery

20. Chronic lung disease

28 dread disease insurance

1. Cancer

2. Acute myocardial infarction

3. Stroke sequelae

4. Major organ transplant or hematopoietic stem cells transplant

5.Coronary artery bypass surgery ( or coronary artery bypass grafting)

6. Kidney failure, uremia

7. Loss of limbs/Complete severance of two or more limbs above the wrist or ankle resulting from sickness or accident injury

8. Acute or sub acute severe hepatitis

9. Benign brain tumor

10. Chronic leaver disease

11. Squelae of meningitis or encephalitis

12.Deep coma

13. Loss of hearing / Deafness

14. Loss of vision / Blindness

15. Paralysis / Paraplegia

16. Heart valve replacement

17. Severe Alzheimer’s disease

18. Major head trauma

19. Severe Parkinson’s disease

20. Major burns

21. Primary pulmonary arterial hypertension

22. Severe motor neuron disease

23. Loss of speech

24. Severe aplastic anemia

25. Surgery to aorta

26. Severe cardiomyopathy

27. Chronic lung disease

28. Multiple sclerosis

Children Insurance Rider

BENEFITS

Should the insured be diagnosed with one of the following diseases, a one time lump sum shall be paid.

1. Cancer

2. Squelae of meningitis or encephalitis

3. Major burns

4. Severe aplastic anemia

5. Severe asthma

6. Infantile spinal muscular atrophy ( ISMA)

7. Diabetes

8. Kawasaki disease

9. Juvenile rheumatory arthritis

10. Total disability Total disability is defined as the result of one of the following circumstances during the insurance period:

1. Permanent and full loss of sight in both eyes

2. Loss of both upper limbs at or above the wrist or of both lower limbs at or above the ankle

3. Loss of one upper limb at or above the wrist and of one lower limb at or above the ankle

4. Loss of sight in one eye and of one upper limb at or above the wrist

5. Loss of sight in one eye and of one lower limb at or above the ankle

6. Permanent and full loss of function of joints of the limbs

7. Permanent and full loss of function in mastication and ability to swallow

8. Incapable to perform daily activities independently without the support of another person or undertake any occupation in their lifetime due to the loss of function of the central nervous system or of an internal organ

Note: (1) Blindness refers to the loss of useful sight. It includes damage to any portion of the eye, the optic nerve, or the area of the brain. Legal blindness is defined as visual activity acuity of 20/200 (6/60) and must be confirmed by a qualified doctor.

(2) Joint disorder that leads to paralysis.

(3) Permanent and full loss of function in malfunction and ability to swallow.

(4) Inability to perform independently daily activities such as:

①Dressing up / Changing clothes

②Moving around

③Perform ordinary activities (placing oneself on / off bed /use wheelchair)

④Relieve one’s bowels

⑤Eating

⑥Washing

Group Total Permanent Disability Income Rider

PRODUCT FEATURES

The primary purpose of this plan is to provide the insured with survival income benefit upon the occurrence of total permanent disablement and to alleviate his financial plight.

This cover is extended 24 hours a day worldwide.

Employees under 65 years of age are entitled to join the scheme.

BENEFITS

Upon receipt of due proof of the total and permanent disablement of the insured, the survival benefit will be payable on annual basis up to the attained age of 65 or for 10 years. Death or discontinuance of the disability of the insured will stop the payment of the benefit.

Group Hospital Income & Intensive Care Unit Insurance Rider

PRODUCT FEATURES

The primary purpose of this product is to provide the insured with a daily income benefit for hospitalization arising from accident or sickness. Benefit will be doubled for hospitalization in Intensive Care Unit (ICU).

This cover is extended 24 hours a day worldwide.

Employees under 65 years of age are entitled to join the scheme.

BENEFITS

1. Daily Benefits will be payable for each day of hospitalization

2. Benefits will be doubled for hospitalization in Intensive Care Unit (ICU)

3. Benefits will be payable up to maximum 180 days of hospitalization.

Group Emergency Assistance Insurance Rider

PRODUCT FEATURES

The primary purpose of this product is to provide emergency services though authorized organizations to the insured who is suffering from an accidental injury or a sudden acute disease during his/her trips outside the territory of the PRC.

This cover is extended 24 hours a day worldwide.

Employees under 65 years of age are entitled to join the scheme.

BENEFITS

Emergency Assistance Services