GROUP GLOBAL FLEX
VIP SUPERIOR

A comprehensive plan
offering superior benefits
and free choice of medical providers

DEDUCTIBLE OPTIONS

Option IOption IIOption IIIOption IVOption VOption VIOption VII
US$0
deductible
US$1,000
deductible
US$2,000
deductible
US$5,000
deductible
US$10,000
deductible
US$15,000
deductible
US$20,000
deductible
Option VIIIOption IXOption XOption XIOption XII
US$15 out-patient pervisit excessUS$30 out-patient pervisit excess10% out-patientco-insurance, up to amaximum out of pocketof US$2,00020% out-patientco-insurance, up to amaximum out of pocketof US$4,00030% out-patientco-insurance, up to amaximum out of pocketof US$6,000

TABLE OF BENEFITS

DescriptionCoverage
Maximum cover per person, per policy yearUS$4,000,000
Maximum age to apply for coverageUp to 74 years
Geographical cover options

The policyholder can choose geographical area of cover restrictions

as follows:

Any treatment received outside the geographic area of coverage is
limited to the emergency non-elective treatment benefit.
• Worldwide including USA elective treatment


• Worldwide excluding USA


• Africa area of cover restriction

For insureds residing in Africa, the area of cover will be restricted to:
Africa, India, Pakistan, Sri Lanka, Bangladesh, Jordan, Lebanon,
Mainland China, and the Philippines.


Asia area of cover restriction

For insureds residing in Armenia, Azerbaijan, Brunei, Cambodia,
Georgia, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Myanmar,
Mongolia, the Philippines, Tajikistan, Thailand, Timor-Leste (East Timor)
Turkey, Turkmenistan, Uzbekistan and Vietnam, the Asia area of cover
restriction will include Singapore but exclude Mainland China,
Hong Kong, Japan, and South Korea.


Indian sub-continent area of cover restriction

For insureds residing in Bangladesh, Bhutan, India, Maldives, Nepal,
Pakistan, and Sri Lanka the Indian sub-continent area of cover
restriction will include all named countries and Singapore.

DescriptionCoverage
Adult companion accommodation (related to a coveredhospitalisation of an insured child under age 18)Up to the maximum benefit
Psychiatric treatmentUp to the maximum benefit, max. of 30 days
Standard private room (room and board)100% UCR, up to the maximum benefit
DescriptionCoverage
Complementary therapy including physiotherapy, traditional chinesemedicine (TCM) and ayurvedic treatmentUp to the maximum benefit, pre-authorisation requiredafter 10 sessions
Day-care treatmentUp to the maximum benefit
General practitioner and specialist feesUp to policy maximum
Hormone replacement therapy to relieve the symptoms of menopauseUp to US$250
Nursing care at homeUp to the maximum benefit, max. of 90 days
Out-patient surgeryUp to the maximum benefit
Out-patient prescription drugsUp to the maximum benefit
Psychiatric treatmentUp to US$5,000
Travel vaccinations and preventive medication, e.g., against malariaUp to US$250
DescriptionCoverage
Congenital and/or hereditary conditions after 30 days from birthUp to US$100,000
Congenital and/or hereditary conditions from birth up to 30 daysCovered under the new-born benefit
Diagnostic study services (laboratory tests, X-rays, CT, PET and MRIscans)Up to the maximum benefit
External prosthesesUp to US$2,000 per policy year
HIV- AIDS treatmentUp to US$50,000
Oncology (tests, drugs and treatments approved by the FDA orequivalent domestic/ international regulatory body)Up to the maximum benefit
Organ transplant (per organ/tissue, per lifetime)Full refund including US$50,000 for donor costs
Prescribed physical therapy and rehabilitationUp to the maximum benefit, max. of 90 days per medical condition
Reconstructive surgeryUp to the maximum benefit
Renal failure and dialysisUp to the maximum benefit
Routine management of chronic conditionsUp to the maximum benefit
Surgical proceduresUp to the maximum benefit
Terminal illness / palliative careUp to US$100,000 per lifetime
DescriptionCoverage
Maternity and birth complicationsUp to the maximum benefit
Maternity careUp to US$12,500
New-born coverUp to US$100,000
DescriptionCoverage
Emergency transportation by air ambulance & emergency medicalevacuationUp to the maximum benefit
Repatriation of mortal remainsUp to the maximum benefit, US$10,000 for burial or cremation costs
DescriptionCoverage
Emergency dental treatmentUp to the maximum benefit
Emergency non-elective treatment outside the geographical area of coverage• Up to the maximum benefit for injuries
• Up to US$50,000 for illnesses
• Up to US$500 for out-patient hospital visits
Emergency transportation by ground ambulanceUp to the maximum benefit
Hospital cash benefitUp to US$350 per night, max. of 30 nights
Passive war and terrorismUp to the maximum benefit
Second Medical Opinion VIP®Access to the medical opinion of internationally renownedexperts from around the world regarding a condition, nodeductible applies
USA elective treatment (only available for insureds who chose theworldwide including USA elective treatment geographical area ofcover)Up to US$3,000,000
DescriptionCoverage
Evacuation to country of choice, country of residence or homecountryUp to the maximum benefit
Medical history disregardedFor compulsory group policies of 10 employees or more
Non-emergency evacuationUp to US$2,000
Routine and major dental treatment cover

For compulsory group policies of 5 employees or more
• Option I - Up to US$500 for routine and up to US$1,000 for complex

• Option II - Up to US$750 for routine and up to US$1,500 for complex


Subject to a 20% co-insurance

USA elective treatment (only available for insureds who chose the worldwide including USA elective treatment geographical area of cover)Up to US$3,000,000
Wellness and opticalOption I - US$500
Option II - US$1,000

WAITING PERIODS

DescriptionCoverage
HIV-AIDS 36 months
Maternity and new-born complications 12 months
Maternity care12 months
Routine and major dental treatment cover9 months