SelectCare. Employee Benefits. Insurance Package Plan

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1 employee benefits SelectCare Employee Benefits Insurance Package Plan

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3 Comprehensive cover choices to suit your business needs As a dependable business companion, AXA understands that it is important to protect your company and employees in every way you can. To ensure the smooth growth of your business and build up employee loyalty, we have specially designed the SelectCare Employee Insurance Package Plan with a comprehensive range of life and medical insurance benefits. Ideal for small and medium-sized companies with 3 or more employees, SelectCare offers you a number of easy and remarkably cost-effective ways to show your staff just how highly you value them. Key product features Provides a wide range of benefits including Group Life, Accident and Hospital Benefits with optional Clinical Benefits at extremely competitive premiums. Covers as few as 3 employees. Simple application procedure and easy administration - normally, no medical examination is required. Clinical cover offers a free choice of doctors plus a medical card covering over 2,000 physicians. Comprehensive emergency assistance service. Medical card with China Hospital Network offers hospital deposits guarantee to over 200 hospitals in Mainland China. Easy extension of medical benefits to cover dependants. 24-hour worldwide coverage. A super full range of benefits for you and your staff Life and Accidental Benefits Payment of a cash lump sum for all causes of death. Payment of pre-specified accidental death and dismemberment benefit amount for loss of life, limbs, hearing, sight and fingers, etc. as a result of accidents. Hospital Benefits Reimbursement up to the full insured amount for hospital and surgical expenses following accident or sickness. Benefits include daily room and board charges, hospital expenses, surgeon s and anaesthetist s fees, operating theatre expenses, intensive care benefits, etc. Optional Clinical Benefits Reimbursement of 80% of clinical expenses up to the insured amount. Benefits include visits by general practitioners, specialists and Chinese herbalists, X-rays and laboratory test s expenses. Extensive panel doctor service facility for visitors to network clinics. Optional Network Dental Services^ You can add a full range of annual dental care services on top of the insurance plan. ^ Network Dental Services are provided by the service provider designated by AXA from time to time at its sole discretion subject to separate service charges payable by the employer to such service provider. AXA accepts no liability or responsibility for these services. The Network Dental Services provided will be subject to the terms and conditions of the service provider. A totally flexible choice When your company takes advantage of the SelectCare plan, you will be able to choose one of the benefits options as outlined below: Options Insurance Coverage Add-on Services 1 Life and Accidental + Hospital Benefits 2 Life and Accidental + Hospital + Clinical Benefits 3 Life and Accidental + Hospital Benefits Dental 4 Life and Accidental + Hospital + Clinical Benefits Dental Same option applies to all classes of employees if more than one class of employees is set. (Please refer to Eligibility section next page for full details.) ----

4 The SelectCare Plan offers you a choice of six different levels of benefits: Plan 1 and 2 - Top-of-the-range private and semi-private level benefits Plan 3 and 4 - Comprehensive ward level benefits with 100% reimbursement of hospital expenses Plan 5 and 6 - Basic ward level benefits with 80% reimbursement of hospital expenses Benefits schedule BENEFIT ITEM LIFE AND ACCIDENTAL INSURANCE MAXIMUM LIMIT PER MEMBER (HK$) Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Death Benefit 150, ,000 10,000 10,000 10,000 10,000 Accidental Death and Dismemberment Benefits* 150, ,000 10,000 10,000 10,000 10,000 MEDICAL INSURANCE HOSPITAL BENEFITS Reimbursement Percentage (%) 100% 80% Daily Room & Board per day (Max. 60 days) 2,000 1, Doctor s Visit per day (Max. 60 days) 2,000 1, Hospital Expenses 30,000 18,000 8,000 6,000 8,000 6,000 Surgeon s Fee Super Major 95,000 60,000 35,000 25,000 35,000 25,000 Major 47,500 30,000 17,500 12,500 17,500 12,500 Intermediate 23,750 15,000 8,750 6,250 8,750 6,250 Minor 9,500 6,000 3,500 2,500 3,500 2,500 Anaesthetist s Fee Super Major 28,500 18,000 10,500 7,500 10,500 7,500 Major 14,250 9,000 5,250 3,750 5,250 3,750 Intermediate 7,125 4,500 2,625 1,875 2,625 1,875 Minor 2,850 1,800 1, , Operating Theatre Super Major 28,500 18,000 10,500 7,500 10,500 7,500 Expenses Major 14,250 9,000 5,250 3,750 5,250 3,750 Intermediate 7,125 4,500 2,625 1,875 2,625 1,875 Minor 2,850 1,800 1, , Intensive Care per day (Max. 10 days) 3,000 2,400 1, Specialist s Visits (Referred by attending doctor) 8,000 6,000 4,000 2, Home Nursing per day (Max. 60 days referred by attending doctor) 1, Additional Benefits for Accident 6,000 4, Post-Operation Doctor s Visits (at Home and Office) 1,600 1, Maximum Limit Per Disability Per Member 527, , , , , ,000 Comprehensive Emergency Assistance Services Enjoy 24-hour-a-day, 7-day-a-week access to the following services via our worldwide network of emergency assistance service centres: Hotline services, including pre-trip referral information, medical and legal referral services. Medical emergency evacuation and / or repatriation services. Repatriation of mortal remains # Worldwide hospital deposit guarantee (up to US$5,000). Over 200 hospitals in China are included throughout the China Hospital Network. # Member is required to repay any sum advanced within 45 days (without interest). CLINICAL BENEFITS (OPTIONAL) Reimbursement Percentage (%) 80% Doctor s Visit at Office per visit per day Doctor s Visit at Home per visit per day Specialist s Visit per visit per day (Referred by attending doctor) Chinese Herbalist s Visit per visit per day X-ray and Lab-Tests per disability (80% reimbursement with no deductible. Referred by attending doctor.) 3,000 2,000 1,500 1,000 1, Total Doctor s, specialist s and Chinese Herbalist s visits limited to a maximum of 30 visits per policy year. Specialist s visits are limited to a maximum of 10 visits per policy year. Chinese Herbalist s visits are limited to a maximum of 5 visits per policy year. Notes: Benefits payable are reimbursements of actual costs with the above figures being the maximum amount.

5 Accidental death and dismemberment benefit schedule Accidental death or dismemberment benefits will be paid as per a percentage of the maximum benefit as set out in the Schedule to the relevant policy. ITEM % OF MAXIMUM BENEFIT ITEM % OF MAXIMUM BENEFIT For loss of For loss of Life 100% All fingers of one hand 45% Two limbs 100% Thumb both phalanges 15% Sight of both eyes 100% Thumb one phalanx 8% One limb and sight of one eye 100% Index finger 10% One limb 50% Middle finger 6% Sight of one eye 50% Ring or little finger 4% All toes on one foot 15% For permanent and total paralysis of Great toe both phalanges 5% All limbs 100% Great toe one phalanx 2% Three limbs 75% Any other toe 2% Two limbs 50% One limb 25% For removal of lower jaw by surgical operation 30% For permanent and total loss of Hearing in both ears 70% Hearing in one ear 20% Loss of a limb refers to an actual severance at or proximal to the wrist or ankle joint. Loss of a thumb or a finger refers to the actual severance at or proximal to the metacarpophalangeal joint. Loss of a toe refers to the actual severance at or proximal to the metatarsophalangeal joint. If an insured member sustains more than one loss in the above list as a result of the same accident, the total amount payable on account of such losses shall be limited to the amount of maximum benefit. The above Benefit Schedule contains general information of SelectCare Employee Benefits Insurance Package Plan only. This is not a policy. For detailed terms, conditions, limitations and exclusions of SelectCare Employee Benefits Insurance Package Plan, please refer to the relevant policy. This plan is subject to our Company s terms and conditions. Our Company reserves the final right to approve any policy application. Eligibility Applicable for companies with 3 15 employees. You can set different classes of benefits for different employee levels, e.g. Benefits Class 1 with Plan 1 benefits for Directors and Benefits Class 2 with Plan 3 benefits for your general staff. You may also set a maximum of 2 Benefits Classes for 4 9 employees; a maximum of 3 Benefits Classes for employees. Covers employees and spouses aged years, unmarried children aged 14 days 18 years and full-time students below age 23. Participation guidelines For dependant coverage: (1) all eligible dependants, i.e. spouse and child(ren) of insured employee, must enroll. (2) all eligible dependants must be insured at the same benefit level as the insured employee. (3) dependants are entitled to medical benefits only (excluding Life and Accidental benefits).

6 Exclusions LIFE BENEFIT No exclusion, except for the contestability of non-disclosed material facts during the first year of coverage. ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS Any disease and sicknesses Suicide War, strikes, riots, civil commotion and revolution Actions not permitted by law (except traffic or pedestrian offences) Any police action or participation in a brawl or felony Radioactive contamination Nuclear, chemical and biological terrorism MEDICAL BENEFITS Pre-existing conditions General check-up, pregnancy, any elective treatment such as cosmetic surgery, sterilization and beautification Participating in illegal acts (except traffic and pedestrian offences) Dental care unless resulting from accidental injury War, strikes, riots, civil commotion and revolution Benefits compensated by law or other insurance policies Congenital anomalies Any Physiotherapy treatment and treatment by a Chiropractor unless recommended by a Doctor and treated in a registered clinic or hospital Convalescence, custodial or rest care, preventive inoculation or medication Correction of eye vision or fitting of eye glasses Rental or purchase of prosthetic applicances such as but not limited to hearing aids, artifical limbs, glasses or corset Network Dental Services (Optional) + Oral Examination Including Oral Hygiene Instruction Scaling and Polishing Intra-oral Small Film Radiograph (when necessary) Amalgam Filling for Posterior Teeth (Carious) Composite Filling for Anterior Teeth (Carious) Emergency Consultations and Dressings for Pain Relief within office hours Simple Extraction due to Tooth Decay or Gum Disease Periodontal (Gum) Treatment (when necessary) Medications (Antibiotics and Pain Killers) + Network Dental Services will be subject to the terms and conditions of the service provider. Max. 1 visit per year Annual Fee HK$400 (per person) Start putting the SelectCare Employee Insurance Package Plan to work for your company today! To find out more about the SelectCare plan, please contact your AXA insurance consultant today. ABOUT AXA AXA China Region is a member of the global AXA Group, a worldwide leading organisation in financial protection and wealth management. AXA has a history dating back to the early 19th century and commenced business in Hong Kong in For the year of 2011, AXA s revenues were HK$868 billion* and, as at 31 December 2011, its assets under management were HK$10,879 billion*. * As at 31 December 2011, calculated based on exchange rate of 1 Euro = HK$ AXA China Region Insurance Company Limited Employee Benefits Services 19/F AXA Centre 151 Gloucester Road Wanchai Hong Kong Tel: (852) Fax: (852) Website: BEBSCBR-1203 (Not for use in Mainland China)

7 HMMP (Dental) Limited Employee Network Dental Services Plan Benefit Items Treatment Items Oral Examination Including Oral Hygiene Instruction Scaling and Polishing Intra-oral Small Film Radiograph (when necessary) Amalgam Filling For Posterior Teeth (Carious) Composite Filling For Anterior Teeth (Carious) Emergency Consultations and Dressings For Pain Relief (within office hours) Services Provided by the Scheme Once a year Special Annual Fee HK$400* Per Head Simple Extraction due to Tooth Decay or Gum Disease Periodontal (Gum) Treatments (when necessary) Medications (Antibiotics & Pain Killers) Remarks Scaling and polishing refers to the removal of supragingival calculus and stains and subgingival calculus not requiring root surface instrumentation. Intra-oral small X-ray when necessary. amalgam (silver) filling for posterior teeth due to decay. Posterior teeth are teeth distal to the canines. composite (tooth colour) filling for anterior teeth due to decay. Anterior teeth are the teeth medial to the canines, including the canines themselves. Filling due to other causes including, but not limited to, abrasion, erosion, attrition, cosmetic and trauma, are not covered. simple extractions due to decay, excludes embedded retained roots, wisdom teeth and extractions carried out for cosmetic or orthodontics reasons. Periodontal (gum) treatment refers to gum treatments by Subgingival Debridement and excludes root planning or instrumentation requiring local anesthetic injection, and any operative procedures involving the raising of a gum flap to gain access to the diseased root surface. Treatments requiring specialist treatment and referral are also excluded. * No Semi Annual Payment For those members who enrol the dental plan, we will send the following gifts to them: a) 1 Tongue Cleaner (worth HK$25) HK$25 b) One free implant consultation (worth HK$500) HK$500 c) One free BriteSmile consultation (worth HK$500) HK$500 d) One HK$1000 cash coupon for BriteSmile - 1 hour Tooth Whitening Treatment (i.e. the member can enjoy one HK$9000 teeth whitening services for just HK$8000) 1000 BriteSmile HK$8000 HK$9000 Note: b & c could be done at Causeway Bay, Central and Mongkok clinics b & c d could be done at Central clinic d HMMP (Dental) Limited is one of Hong Kong s major dental service providers. Dental clinics are located in*: Hong Kong Island Kowloon New Territories Causeway Bay, Central, Quarry Bay Mongkok, Kwun Tong, Ngau Tau Kok Kwai Fong, Tai Po, Tuen Mun * Members are free to choose any of these clinics at any time. Administrative Enquiry Hotline P.S: This document is only circulated among the members.

8 HMMP (Dental) Limited Employee Network Dental Services Plan Enrolment Form How to Make the Dental Care Appointment Please specify your company name, your name and HKID No. when making an appointment by telephone. Present your I.D. card at the clinic for identification checking. Dental services not included in the plan must be paid in cash at the clinic. Application Procedure 1. Please use BLOCK LETTERS to complete the Enrolment Form. 2. Send the completed form and crossed cheque to: Your servicing agents or brokers. 3. Successful applicants will be notified individually. 4. For any enquiry, please call at Covered Period From 01 / MM / YY To DD /MM /YY 01 / MM / YY (Cover Period same as SelectCare Employee Benefits Insurance Package Policy) DD /MM /YY Employees Particulars Company Name Employee Name HKID No. Correspondence Address Telephone No. Address Participants Particulars (including both staff and his / her family members) Relationship Last Name Given Name HKID No. # Age 1. STAFF # If your child does not possess a HKID Card, please fill in his/her parent or guardian s HKID No. # Payment Method A cheque for HK$ payable to HMMP (Dental) Limited is attached. Signed Letter of Appointment from the employer is attached. Declaration I would like to enrol myself and my dependent(s) listed above in the Employee Network Dental Services Plan provided by HMMP (Dental) Limited. I/We understand the plan will remain in force within the specified period as above and agree to pay the agreed annual fee for each member covered. I/We also understand the above information will only be used by HMMP (Dental) Limited and its relevant insurer, its clinic network and its administrative company for providing dental services to the above particulars. I/We warrant that the above information is true and correct, and authorize HMMP (Dental) Limited to verify it with any source. Employee s Signature Date

9 Letter Sample for Dental Services (Must use client company s letterhead or with company chop) Network Dental Services Letter of Appointment To : HMMP (Dental) Limited We would like to confirm that HMMP (Dental) Limited and HMMP Ltd are appointed as the service providers and administrators for the promotion service for both dental treatment and medical check up as effective from (Date) to (Same date of policy year). Company Name: Company Chop: Name: Position: Date: