| Expatriate Employees Health Benefit Plan |
|
| 1. Hospital and Surgical Benefits |
| Pays 100% of normal and customary charges up to overall annual maximum limit per person per year , or per person per liablity, subject to the following limits and pre-authorization: |
| Benefit | Plan A (RMB) | Plan B (RMB) |
| ROOM & BOARD |
| Limit per day | 1200 | 200 |
| Maximum number of days | (180) | (90) |
| COMPANION BED FOR CHILD |
| Limit per day | 1200 | 200 |
| Maximum number of days | (180) | (90) |
| HOSPITAL CHARGES |
| Limited to medical treatment and supplies, examination fee, X-ray and laboratory tests, intensive care, anaesthetist's fee, special nurse and physiotherapist's fees as certified by an attending physician, renal dialysis, chemotherapy and radiotherapy for cancer, rental of wheel chair, not including drugs | Normal and Customary | Normal and Customary |
| DRUGS |
| Medically necessary western and Chinese medication and dressings prescribed by a registed medical practitioner and obtained at any legitimate source for use while an inpatient. | | |
| Limit per day | 1200 | 200 |
| Maximum number of days | (180) | (90) |
| SURGICAL FEE |
| Including pre-surgical assessement and normal post-surgical care, operation threatre fee, surgical supplies, not to exceed normal and customary charges for any operation, up to a limit of | 400,000 | 50,000 |
| SPECIAL CHARGES |
| Including blood and blood plasma, oxyen supply, prosthetic devices and local ambulance services. | Normal and Customary | Normal and Customary |
| ORGAN TRANSPLANTATION |
| The cost of transplantation for heart, kidney, bone marrow, and liver subject to the limit: | 400,000 | 50,000 |
| MENTAL OR NERVOUS DISODERS |
| Limit per day | 800 | 200 |
| Overall maximum limit | 20,000 | 10,000 |
| RANGE OF TREATMENT HOSPITALS |
| Emerencies | Any hospital | Any hospital |
| Non-emergencies | SMB hospitals and public comprehensive hospitals' general wards, special wards, VIP wards and foreigner wards. Foreign invested hospitals subject to 30% coninsurance | SMB hospitals and public comprehensive hospitals general wards. |
| OVERALL INPATIENT ANNUAL LIMIT |
| Per person per year or per person per liability | 4,000,000 | 500,000 |
| |
| 2. Maternity Benefits |
| Pays 100% of hospital inpatient charges, professional charges and special charges (including pre and post natal care and not mroe than 7 days' nursing care) up to the follwoing all-inclusive limits: |
| Benefit | Plan A (RMB) | Plan B (RMB) |
| Surgical Delivery | 30,000 | 10,000 |
| Normal Delivery | 20,000 | 7,500 |
| Note: | | |
| Elimination Periods | 365 days | |
| |
| 3. Outpatient Benefits |
| Pays normal and customary charges of the following subject to coninsurance and overall annual limit: |
| Benefit | Plan A (RMB) | Plan B (RMB) |
| PHYSICIAN'S AND SPECIALIST'S FEE |
| Includes general practitioner and specialist consultation fee | 100% | 70% |
| PRESCIBED MEDICATION |
| Medically necessary western medication prescribed by a registed medical practitioner and obtained at any legitimate source | 100% | 70% |
| DIAGNOSTIC X-RAY AND LABORATORY TESTS |
| Subject to written referral from a registed medical practioner | 100% | 70% |
| Annual limit | 5,000 | 1,000 |
| CHINESE MEDICINE PRACTIONERS |
| Including general practive and bone settings | | |
| Limit per visit per day | 400 | n/a |
| Annual limit | 5,000 | n/a |
| RANGE OF TREATMENT HOSPITALS/ClINICS |
| Emerencies | Any hospital | Any hospital |
| Non-emergencies | SMB hospitals and public comprehensive hospitals' general wards, special wards, VIP wards and foreigner wards. Foreign invested hospitals subject to 30% coninsurance | SMB hospitals and public comprehensive hospitals general wards. |
| OVERALL OUTPATIENT ANNUAL LIMIT |
| | 20,000 | 4,000 |
| |
| 4. Preventive Care |
| Benefit | Plan A (RMB) | Plan B (RMB) |
| ANNUAL HEALTH CHECK-UP |
| Extend check-up including common diseases screening for female (breast and pelvis exam, cervial pap smear with report) and tumor marker tests for male | 1,000 | n/a |
| DENTAL CLEANING |
| Include scaling and prophylasis Massage Polishing (1 time) | 500 | n/a |
| Panoramic Radiography or 4 intra-oral x-rays | | |
| Complete Oral Examination (1 time) | | |
| |
| 5. Worldwide Travellers Health Insurance |
| In additional to the comprehensive medical benefits, Plan A (RMB) also provides the following overseas travel health benefits to cover accident or acute illness for business and private trips up to 21 days. |
| Benefit | Plan A (RMB) | Plan B (RMB) |
| IN-PATIENT & MEDICAL EVACUATION |
| The company reimburses in-patient treatment cost because of accident or acute illness during overseas travel: medicine, treatment, examination, lab, bed, operation, ambulance fees and medical evacuation (under constant medical supervision, to the nearest facility that can provided proper care if the local medical facilities are inadequate). Subject to the maximum annual limit: | 1,000,000 | n/a |
| OUTPATIENT |
| Out-patient medical treatment cost because of accident or acute illness the company reimburse the following costs: medicine, treatment, examination, lab and ambulance fees, subject to RMB 800 deductible, and the maximum annual limit: | 25,000 | n/a |
| DENTAL |
| Dental treatment as a result of an accidental injury or acute illness, subject to RMB 800 deductible, and annual limit | 4,000 | n/a |
| REPARTRIATION OF MORTAL REMAINS |
| Repatriation of mortal remains (including Cremation and Transportation of urn), subject to a limit of | 100,000 | n/a |
| |
| 6. Mainland Emergency Assistance |
| Benefit | Plan A (RMB) | Plan B (RMB) |
| 24-hour Alarm Center24 | Covered | Covered |
| 24-hour Nationwide Medical Provider Referral | Covered | Covered |
| Emergency Medical Transportation | 500,000 | 500,000 |
| Coordination Support - Assist in contacting family members, friends, and working units | Covered | Covered |
| Patient Support - Update family members, friends, and working units with medical condition | Covered | Covered |
| Coordinate Family member visit | Covered | Covered |
| Repatriation of mortal remains to home country or country of residence, subject to a limit of | 100,000 | 100,000 |
| Legal referral | Covered | Covered |
| Coordinate local legal disputes | Covered | Covered |
| Consutation in case of travel documents losts | Covered | Covered |
