更 靈 活 及 全 面 保 障. More Flexible & Comprehensive. CARING Employee Medical Insurance Plan

Transcription

1 更 靈 活 及 全 面 保 障 More Flexible & Comprehensive CARING僱 員 醫 療 保 險 計 劃 CARING Employee Medical Insurance Plan EB-EMIP-BR

2 Undoubtedly employees are one of the most important assets of the company and a stable and productive workforce is the key to business success. A comprehensive medical insurance plan can help to provide a good protection for the employees against high medical expenses when medical care is required. We fully understand the need of employers to protect this precious asset at the most competitive cost. CARING Employee Medical Insurance Plan, flexible and comprehensive in its plan benefits, is specially designed to best suit the needs of you and your employees. 毫 無 疑 問, 員 工 乃 公 司 最 重 要 的 資 產 之 一 穩 定 及 具 生 產 力 的 員 工 隊 伍 是 公 司 邁 向 成 功 的 重 要 因 素 一 個 全 面 的 醫 療 保 險 計 劃 能 在 需 要 時 為 員 工 提 供 週 全 的 醫 療 保 障, 以 應 付 高 昂 的 醫 療 費 用 我 們 充 分 了 解 僱 主 的 需 要, 為 此, 特 別 精 心 設 計 了 CARING 僱 員 醫 療 保 險 計 劃, 只 需 付 出 合 理 的 保 費, 就 能 照 顧 您 及 您 的 員 工 各 方 面 的 需 要 Flexible Plan Design Minimum number of employees as low as 4 Waiver of medical underwriting and health declaration (at least 4 participating employees during application) Options for supplementary major medical, outpatient, and dental benefits (at least 4 participating employees) Option for dependant coverage (at least 4 participating employees) Flexible combinations of hospitalisation, outpatient and dental benefits for different classes of employees Offer of FWD healthcare card to enjoy the outpatient panel network services 計 劃 設 計 靈 活 僱 員 人 數 可 低 至 4 名 無 須 醫 療 批 核 及 健 康 申 報 ( 最 少 4 名 僱 員 同 時 投 保 ) 附 加 額 外 醫 療 保 障 門 診 及 牙 科 保 障 可 供 選 擇 ( 最 少 4 名 僱 員 參 與 ) 提 供 家 屬 保 障 之 選 擇 ( 最 少 4 名 僱 員 參 與 ) 住 院 門 診 及 牙 科 保 障 可 靈 活 配 搭, 以 迎 合 不 同 僱 員 類 別 的 需 要 設 有 富 衛 醫 療 咭 以 享 用 門 診 醫 療 網 絡 服 務 Comprehensive Benefits No minimum hours of hospital confinement Day case surgery and clinical operation are covered Daily cash benefit for confinement in general ward of hospitals under Hong Kong Hospital Authority 24-hour worldwide medical coverage (including guarantee of hospital admission deposit in designated hospital in Mainland China) and free emergency assistance services A choice of 80% or 100% reimbursement for supplementary outpatient benefits with offer of Chinese medicine practitioner benefits (including bone setting and acupuncture). Doctor referral letter is waived for 6 specialties (Otorhinolaryngologist, Ophthalmologist, Dermatologist, Orthopaedist & Traumatologist, Paediatrics and Gynaecologist) Supplementary dental benefits in various coverage including 1 visit of routine oral examination per year 全 面 保 障 不 設 最 低 住 院 時 數 限 制 保 障 範 圍 包 括 於 門 診 或 日 間 進 行 之 小 手 術 入 住 香 港 醫 院 管 理 局 轄 下 醫 院 之 大 房 設 有 每 日 住 院 現 金 保 障 24 小 時 全 球 性 醫 療 保 障 ( 包 括 於 中 國 內 地 指 定 醫 院 支 付 入 院 的 按 金 保 證 ), 及 免 費 緊 急 支 援 服 務 可 選 擇 80% 或 100% 賠 償 率 之 附 加 門 診 保 障, 門 診 保 障 提 供 中 醫 治 療 ( 包 括 跌 打 及 針 灸 治 療 ), 當 中 於 6 項 專 科 ( 耳 鼻 喉 科 眼 科 皮 膚 科 骨 科 兒 科 及 婦 科 ) 索 償 時 無 須 提 供 醫 生 轉 介 信 亦 可 選 擇 不 同 牙 科 保 障, 包 括 每 年 1 次 的 例 行 口 腔 檢 查

3 Ubiquitous Customer Support Only dial one single number which serves 24 hours by 7 days for enquiries of insurances in FWD Download FWD eservices Mobile App to search panel doctors around you anytime anywhere Review via mobile app and website including benefits schedule and claim status. Members can also download forms online Receive claim settlement notification with claim details at a glance directly through app s push notification and 全 天 候 客 戶 支 援 只 須 致 電 一 個 綜 合 24 小 時 熱 線, 便 可 以 查 詢 您 的 富 衛 保 單 下 載 富 衛 eservices 流 動 應 用 程 式, 隨 時 隨 地 輕 易 搜 尋 附 近 的 網 絡 醫 生 位 置 及 詳 情 可 隨 時 於 流 動 應 用 程 式 及 網 上 查 閱 資 料, 包 括 保 障 範 圍 及 索 償 狀 況 等, 及 下 載 表 格 直 接 收 到 流 動 應 用 程 式 提 示 及 電 郵 通 知 有 關 理 賠 詳 情, 方 便 快 捷 Download FWD eservices App now! 立 即 下 載 富 衛 eservices 流 動 應 用 程 式! 24-Hour Worldwide Emergency Assistance Services In case emergency assistance is needed while traveling abroad for a period not exceeding 90 days, the Worldwide Emergency Assistance Services provide the following services: 24-hour hotline service Emergency medical evacuation and repatriation (up to US$1,000,000) Guarantee of any required hospital admission deposit up to US$5,000 Compassionate visit for more than 7 days of overseas hospitalisation Return of minor children to home country or usual country of residence Transportation of mortal remains (up to US$1,000,000) Emergency Medical Assistance Services in China Main Exclusions Main exclusions include congenital conditions, pregnancy, sexually transmitted diseases, AIDS, cosmetic treatments, routine physical examinations, mental disorders, alcoholism or drug abuse, self-inflicted injuries, war, nuclear fallout, pre-existing conditions for which the Insured Person received medical treatment during the 90 days prior to the date he first becomes under this Policy (unless such Insured Person affected by these conditions has been under this Policy continuously for 12 months). 24 小 時 全 球 緊 急 支 援 服 務 若 受 保 人 出 外 旅 遊 或 公 幹 時 遇 上 緊 急 事 故, 而 旅 程 期 間 不 超 過 90 天, 緊 急 支 援 可 提 供 以 下 服 務 : 24 小 時 電 話 諮 詢 服 務 緊 急 醫 療 撤 離 及 遣 返 ( 高 達 $1,000,000 美 元 ) 提 供 高 達 $5,000 美 元 之 入 院 按 金 保 證 如 在 外 地 住 院 超 過 7 天, 可 安 排 一 位 親 屬 前 往 探 望 可 安 排 未 成 年 子 女 返 國 或 原 居 地 運 送 遺 體 返 國 或 原 居 地 ( 高 達 $1,000,000 美 元 ) 中 國 緊 急 醫 療 支 援 服 務 主 要 不 承 保 項 目 主 要 不 承 保 項 目 包 括 : 先 天 性 疾 病 懷 孕 性 病 愛 滋 病 整 容 手 術 例 行 體 格 檢 查 精 神 病 酗 酒 或 濫 用 藥 物 自 我 毀 傷 戰 爭 核 漏 事 件, 受 保 人 在 受 保 生 效 日 期 前 90 日 內 曾 接 受 過 醫 療 或 診 治 之 傷 病 ( 除 非 受 保 人 已 在 此 保 單 下 受 保 連 續 超 過 12 個 月 ) This brochure is designed to briefly describe the CARING Employee Medical Insurance Plan. The final interpretation of any specific provision or its applicability is subject to the provisions of the Group Medical Insurance Policy issued by FWD General Insurance Company Limited. 此 小 冊 子 乃 CARING 僱 員 醫 療 保 險 計 劃 之 簡 介, 計 劃 的 細 則 及 條 款 應 以 富 衛 保 險 有 限 公 司 發 出 之 團 體 醫 療 保 單 為 準

4 Basic Hospitalisation Benefits 基 本 住 院 保 障 Plan Level 計 劃 類 別 CHG1 CHG2 CHG3 CHG4 CHG5 Cover Limit (HK$) 保 障 金 額 ( 港 幣 $) Ward 大 房 Ward 大 房 Semi-Private 二 等 房 Semi-Private 二 等 房 Private 私 家 房 Hospital Room & Board per day (Max.180 days) 每 日 住 院 及 膳 食 費 ( 最 高 賠 償 180 天 ) Physician s Visit per day (Max.180 days) 每 日 醫 生 巡 房 費 ( 最 高 賠 償 180 天 ) $400 $600 $1,000 $1,500 $2,500 $400 $600 $1,000 $1,500 $2,500 Miscellaneous Hospital Services 醫 院 雜 項 費 $7,000 $10,000 $14,000 $20,000 $30,000 Surgeon s Fee 外 科 手 術 費 Complex Operation 複 雜 手 術 Major Operation 嚴 重 手 術 Intermediate Operation 普 通 手 術 Minor Operation 簡 單 手 術 $42,000 $14,000 $7,000 $2,800 $54,000 $18,000 $9,000 $3,600 $66,000 $22,000 $11,000 $4,400 $84,000 $28,000 $14,000 $5,600 $105,000 $35,000 $17,500 $7,000 Anaesthetist s Fee 麻 醉 師 費 Complex Operation 複 雜 手 術 Major Operation 嚴 重 手 術 Intermediate Operation 普 通 手 術 Minor Operation 簡 單 手 術 $12,600 $4,200 $2,100 $840 $16,200 $5,400 $2,700 $1,080 $19,800 $6,600 $3,300 $1,320 $25,200 $8,400 $4,200 $1,680 $31,500 $10,500 $5,250 $2,100 Operating Theatre Fee 手 術 室 費 Complex Operation 複 雜 手 術 Major Operation 嚴 重 手 術 Intermediate Operation 普 通 手 術 Minor Operation 簡 單 手 術 $12,600 $4,200 $2,100 $840 $16,200 $5,400 $2,700 $1,080 $19,800 $6,600 $3,300 $1,320 $25,200 $8,400 $4,200 $1,680 $31,500 $10,500 $5,250 $2,100 Specialist s Fee 專 科 治 療 費 $2,000 $3,000 $5,000 $7,000 $10,000 Intensive Care Unit per day (Max.15 days) 每 日 深 切 治 療 費 ( 最 高 賠 償 15 天 ) Home Nursing per day (Max.60 days) 每 日 家 庭 看 護 費 ( 最 高 賠 償 60 天 ) Emergency Outpatient Treatment 緊 急 門 診 費 (Outpatient treatment in a Hospital within 24 hours of an injury) ( 意 外 發 生 後 24 小 時 內 之 醫 院 門 診 部 之 治 療 費 ) Post Hospitalisation Treatment 出 院 後 的 治 療 費 (Follow-up treatment within 31 days after discharge from Hospital) ( 出 院 後 31 日 內 之 跟 進 治 療 費 ) $1,500 $2,000 $3,000 $4,000 $6,000 $200 $300 $500 $600 $700 $500 $800 $1,200 $1,600 $2,000 $500 $800 $1,200 $1,600 $2,000 Overall Limit Per Disability 每 次 病 症 最 高 賠 償 限 額 $255,700 $365,000 $562,000 $800,600 $1,244,000 Daily Cash Benefit (for confinement in general ward of Hospital Authority s Hospital in Hong Kong) (Max.60 days) 每 日 住 院 現 金 保 障 ( 入 住 香 港 醫 院 管 理 局 轄 下 醫 院 之 大 房 ) ( 最 高 賠 償 60 天 ) Emergency Assistance Services 緊 急 支 援 服 務 Evacuation / Repatriation 醫 療 撤 離 及 遣 返 服 務 $200 $300 $500 $750 $1,000 US$1,000,000 Supplementary Major Medical Benefits 附 加 額 外 醫 療 保 障 Plan Level 計 劃 類 別 CMG1 CMG2 CMG3 CMG4 CMG5 Cover Limit (HK$) 保 障 金 額 ( 港 幣 $) Ward 大 房 Ward 大 房 Semi-Private 二 等 房 Semi-Private 二 等 房 Private 私 家 房 Maximum Limit Per Disability 每 症 最 高 賠 償 額 $50,000 $60,000 $80,000 $100,000 $150,000 Deductible 自 付 額 $1,000 $1,000 $1,000 $1,000 $1,000 Reimbursement 賠 償 率 80% 80% 80% 80% 80% The Supplementary Major Medical Benefits provides additional benefits to the Basic Hospitalisation Benefits. If the medical expenses during hospital confinement incurred under Basic Hospitalisation Benefits items exceed the cover limit, 80% of the excess amount after deductible will be reimbursed, in which, the excess amount incurred for the Hospital Room & Board and Physician's Visit Benefits, can be reimbursed regardless of the number of days of the confinement. 此 附 加 額 外 醫 療 保 障 為 基 本 住 院 保 障 支 出 提 供 額 外 保 障 若 住 院 期 間 的 醫 療 費 用 超 過 基 本 住 院 保 障 項 目 之 最 高 賠 償 額, 餘 額 於 扣 除 自 付 額 後 可 獲 80% 賠 償, 而 當 中 之 每 日 住 院 及 膳 食 費 及 每 日 醫 生 巡 房 費 不 受 最 高 賠 償 日 數 限 制, 均 可 獲 得 賠 償 Note: If option of Supplementary Major Medical Benefits is taken, the level of benefit must correspond to the same level with Basic Hospitalisation Benefits. If confinement is at higher accommodation level than the benefit level, the reimbursement shall be reduced as follow: Ward to Semi-Private : 50% Ward to Private : 25% Semi-Private to Private : 50% 附 註 : 如 選 擇 附 加 額 外 醫 療 保 障, 保 障 等 級 必 須 與 基 本 住 院 保 障 之 等 級 相 同 如 入 住 之 住 房 等 級 高 於 保 障 等 級, 賠 償 率 將 作 以 下 調 整 : 大 房 升 至 二 等 房 : 50% 大 房 升 至 私 家 房 : 25% 二 等 房 升 至 私 家 房 : 50%

5 Supplementary Outpatient Benefits 附 加 門 診 保 障 Plan Level 計 劃 類 別 COG1/CPG1 COG2/CPG2 COG3/CPG3 COG4/CPG4 COG5/CPG5 Cover Limit (HK$) 保 障 金 額 ( 港 幣 $) Consultation at Physician s Office per visit per day $140 $160 $180 $250 $350 醫 生 診 所 治 療 費 ( 每 日 一 次 ) Reimbursement 賠 償 率 Network co-payment per visit $40 / $30 $20 / $20 每 次 網 絡 自 付 費 用 Chinese Medicine Practitioner s (Including Bonesetter s & Acupuncturist s Treatment) per visit per day (Max.10 visits per year) $120 $130 $150 $200 $250 中 醫 跌 打 及 針 灸 治 療 費 ( 每 日 一 次 ) ( 每 年 最 多 10 次 ) Reimbursement 賠 償 率 Network co-payment per visit $50 / $40 $40 / $30 $20 / $10 每 次 網 絡 自 付 費 用 Max. 30 visits per year for the above 2 items 以 上 2 項 治 療 每 年 合 共 最 多 30 次 Physiotherapist s & Chiropractor s Treatment per visit per day (Max.10 visits per year) $210 $240 $270 $300 $350 物 理 治 療 師 及 脊 椎 治 療 師 之 治 療 費 ( 每 日 一 次 )( 每 年 最 多 10 次 ) Reimbursement 賠 償 率 Network co-payment per visit $70 / $50 $50 / $20 $20 / $0 每 次 網 絡 自 付 費 用 Specialist s Consultation per visit per day (Max.10 visits per year) $280 $320 $360 $500 $700 專 科 醫 生 治 療 費 ( 每 日 一 次 )( 每 年 最 多 10 次 ) Reimbursement 賠 償 率 Network co-payment per visit $90 / $80 $60 / $40 $20 / $0 每 次 網 絡 自 付 費 用 Diagnostic X-Ray & Laboratory Tests per year 每 年 X 光 檢 驗 及 化 驗 費 $1,500 $1,800 $2,200 $3,000 $4,000 Reimbursement 賠 償 率 Note : Written referral by the attending physician is required for Physiotherapist's & Chiropractor's Treatment, Specialist's Consultation, Diagnostic X-ray & Laboratory Tests, Prescribed Medicines & Drugs (Consultation of Otorhinolaryngologist, Ophthalmologist, Dermatologist and Orthopaedist & Traumatologist, Paediatrician and Gynaecologist can be waived). Network doctors include General Practitioners, Physiotherapist, Chiropractor, Specialist and Chinese Medicine Practitioner excluding acupuncture and Chinese bonesetter treatment. 附 註 : 物 理 治 療 師 及 脊 椎 治 療 師 治 療 費 專 科 診 治 費 X 光 檢 驗 及 化 驗 費 及 處 方 藥 物 費 須 由 主 診 醫 生 以 書 面 推 薦 才 可 獲 得 賠 償 ( 耳 鼻 喉 科 醫 生 眼 科 醫 生 皮 膚 科 醫 生 骨 科 醫 生 兒 科 醫 生 及 婦 科 醫 生 之 專 科 可 獲 豁 免 ) 網 絡 醫 生 只 限 普 通 科 醫 生 物 理 治 療 師 脊 椎 治 療 師 專 科 醫 生 及 中 醫 師, 並 不 包 括 針 灸 及 跌 打 治 療 Applicable for consultation of network doctors (includes 3 days of medication or 2 packs of Chinese Medicines). 適 用 於 網 絡 醫 生 診 療 費 ( 包 括 三 天 西 藥 或 中 藥 兩 劑 ) Premium Table (HK$) ( 港 幣 $) Basic Hospitalisation Benefits 基 本 住 院 保 障 Age^ 年 齡 ^ Supplementary Outpatient Benefits (80% Reimbursement) 附 加 門 診 保 障 ( 賠 償 率 80%) Age^ 年 齡 ^ Supplementary Outpatient Benefits (100% Reimbursement) 附 加 門 診 保 障 ( 賠 償 率 100%) Total Premium (HK$) 全 年 保 費 總 額 ( 港 幣 $) : CHG1 CHG2 CHG3 CHG4 CHG $701 $970 $1,422 $2,080 $3, $877 $1,212 $1,777 $2,601 $4, $985 $1,362 $1,997 $2,923 $5, $2,956 $4,085 $5,990 $8,769 $15,066 CMG1 CMG2 CMG3 CMG4 CMG5 Supplementary Major Medical Benefits 附 加 額 外 醫 療 保 障 Age^ 年 齡 ^ Age^ 年 齡 ^ Supplementary Dental Benefits 附 加 牙 科 保 障 Age^ 年 齡 ^ 0-18 $1,882 $2,136 $2,409 $3,299 $4, $1,505 $1,709 $1,927 $2,639 $3, $1,505 $1,709 $1,927 $2,639 $3, $1,882 $2,136 $2,409 $3,299 $4,538 CPG1 CPG2 CPG3 CPG4 CPG $2,241 $2,543 $2,868 $3,928 $5, $1,792 $2,035 $2,294 $3,142 $4, $1,792 $2,035 $2,294 $3,142 $4, $2,241 $2,543 $2,868 $3,928 $5,402 CDG1 CDG $497 $ $621 $892 Supplementary Dental Benefits 附 加 牙 科 保 障 Plan Level 計 劃 類 別 CDG1 CDG2 Cover Limit (HK$) 保 障 金 額 ( 港 幣 $) Routine Oral Examination $350 $500 (1 visit per year) 例 行 口 腔 檢 查 ( 每 年 1 次 ) Reimbursement 賠 償 率 100% X-rays required prior to the $100 $150 performance of dental service (Each film) 牙 科 服 務 前 之 X 光 檢 驗 ( 每 片 ) Reimbursement 賠 償 率 80% Abscesses (Each abscess) $350 $500 牙 齦 膿 腫 ( 每 膿 腫 ) Reimbursement 賠 償 率 80% Filings (Each tooth) $350 $500 補 牙 ( 每 顆 牙 齒 ) Reimbursement 賠 償 率 80% Extractions (Each tooth) $350 $500 脫 牙 ( 每 顆 牙 齒 ) Reimbursement 賠 償 率 80% Overall Maximum Limit Per Year 整 體 每 年 最 高 賠 償 限 額 $3,000 $5, $268 $370 $541 $793 $1, $334 $461 $676 $991 $1, $427 $590 $866 $1,229 $2, $1,068 $1,476 $2,164 $3,073 $5,278 COG1 COG2 COG3 COG4 COG5 ^ Age of the last birthday. 對 上 一 次 生 日 的 年 齡 0 year old means 15 days of age. 0 歲 指 出 生 滿 15 日 Note 附 註 : Child include any unmarried children aged more than 14 days but less than 19 years, or up to the age of 25 years if registered as full time student (please provide evidence). 子 女 包 括 任 何 未 婚 而 年 齡 超 過 十 四 日 但 少 於 十 九 歲 之 子 女 如 屬 全 日 制 學 生 可 包 括 至 二 十 五 歲 ( 請 附 上 有 效 證 明 文 件 )

6 CORPORATE OVERVIEW FWD Group spans Hong Kong & Macau, Thailand, Indonesia and the Philippines, offering life and medical insurance, employee benefits, pension, and general insurance across a number of its markets. FWD is focused on creating fresh customer experiences, with easy-tounderstand products, supported by leading digital technologies. Through this customer-led approach, FWD will achieve its vision to become the leading pan-asian insurer that changes the way people feel about insurance. Established in Asia in 2013, FWD is the insurance business arm of investment group, Pacific Century Group. 企 業 概 覽 富 衛 集 團 業 務 遍 佈 香 港 澳 門 泰 國 印 尼 及 菲 律 賓, 為 客 戶 提 供 人 壽 及 醫 療 保 險 僱 員 福 利 退 休 金 及 一 般 保 險 富 衛 致 力 以 簡 單 貼 心 的 產 品 以 及 利 用 數 碼 科 技, 為 客 戶 創 造 嶄 新 體 驗 富 衛 秉 持 以 客 為 先 的 服 務 理 念 及 方 針, 矢 志 成 為 泛 亞 洲 區 領 先 的 保 險 公 司, 實 現 創 造 保 險 新 體 驗 的 願 景 富 衛 於 2013 年 在 亞 洲 成 立, 是 投 資 集 團 盈 科 拓 展 集 團 的 保 險 業 務 公 司 Our Operations Life Insurance As one of the major authorised insurers in Hong Kong and Macau, FWD Life Insurance Company (Bermuda) Limited and FWD Life Insurance Company (Macau) Limited are committed to offering customers a comprehensive range of quality insurance products and services. Our extensive portfolio of insurance products includes individual life, group life, medical, education, retirement, and savings schemes, which are tailored to meet customers needs throughout the different stages of their lives. General Insurance FWD General Insurance Company Limited provides quality services to individual and corporate clients in the local market. The company offers various types of insurance products, ranging from property, household, marine, motor vehicles, individual and group medical, personal accident to travel etc. Employee Benefits FWD Pension Trust Limited is committed to contributing its expertise to provide quality pension trust services (MPF and ORSO) to corporate and individual customers. 業 務 運 作 人 壽 保 險 作 為 香 港 及 澳 門 主 要 獲 授 權 的 保 險 公 司 之 一, 富 衛 人 壽 保 險 ( 百 慕 達 ) 有 限 公 司 及 富 衛 人 壽 保 險 ( 澳 門 ) 股 份 有 限 公 司 致 力 為 客 戶 提 供 全 面 及 優 質 的 保 險 產 品 及 服 務 我 們 提 供 全 方 位 的 保 險 產 品, 包 括 個 人 壽 險 團 體 人 壽 醫 療 保 險 教 育 退 休 計 劃 以 及 儲 蓄 計 劃 等, 充 份 照 顧 客 戶 於 人 生 各 階 段 的 不 同 需 要 一 般 保 險 富 衛 保 險 有 限 公 司 致 力 為 本 港 企 業 及 個 人 客 戶 提 供 多 元 化 的 保 險 產 品 和 優 質 服 務, 產 品 包 括 財 產 家 居 貨 運 汽 車 個 人 及 團 體 醫 療 保 障 個 人 意 外 以 至 旅 遊 保 險 等 僱 員 福 利 富 衛 退 休 金 信 託 有 限 公 司 致 力 以 其 專 才 為 企 業 及 個 人 客 戶 提 供 優 質 的 退 休 金 計 劃 信 託 服 務 ( 強 積 金 及 公 積 金 ) Financial Planning FWD Financial Planning Limited is committed to setting the standard as a market leader in Independent Financial Advice, attracting the best financial advisers in the industry to deliver quality financial planning advice to clients. The customer-centric focus of the company ensures that clients receive the most suitable solution from advisers to meet their financial needs. operates in Hong Kong only 財 務 策 劃 富 衛 財 務 策 劃 有 限 公 司 致 力 建 構 獨 立 理 財 建 議 的 行 業 領 導 者 標 準, 以 及 吸 納 行 業 中 最 優 秀 的 理 財 顧 問, 為 客 戶 提 供 專 業 的 財 務 意 見 我 們 秉 承 以 客 為 先 的 服 務 理 念, 確 保 客 戶 獲 得 最 適 切 的 理 財 方 案 僅 於 香 港 提 供

7 CARING Employee Medical Insurance Plan Form CARING Please complete in Block Lers Fax Details of Applicant Name of Company Business Nature Tel Fax Address Address Period of Insurance (DD/MM/YYYY ) / / to / / Total no. of Employees Eligibility On employment date months of employment months of employment Plan no. Supplementary Major Medical Supplementary Supplementary ) Dependant (Yes/No) e.g. CHG1 CMG1 CPG1 CDG Plan Rules /Managers /Directors Yes/No Yes/No Yes/No Yes/No EB-EMIP-APP

8 CARING Employee Medical Insurance Plan Form CARING The Applicant understands and agrees that 1. The Applicant shall pay all the and all eligible employees and their dependants (if applicable) shall enroll in the plan. 2. knowledge; and 2. dependents (if applicable) in the group medical insurance plan. Authorised Signature on behalf of the Applicant with Company Chop Date (DD/MM/YYYY) Code Contact No. 7

9 Note : Policyholder Group Medical Policy No. : : Employee ) Employee s Name ) Rel.* Marital Status No. Employee Type Employment Monthly** Salary () E ece ate * EE Employee ** Monthly Salary EB-UW-EF

10 Employee ) Employee s Name ) Rel.* Marital Status No. Employee Type Employment Monthly** Salary () E ece ate * EE Employee ** Monthly Salary FFW Financial ntre308 es Voe Road entralo Ko uthorised Siature with ompany hop EB-UW-EF

11 FWD General Insurance Company Limited and FWD Life Insurance Company (Bermuda) Limited (collectively, the Company ) Personal Information Collection Statement 1. From time to time, it is necessary for you to supply the Company with personal information and particulars in connection with the provision, continuation and administration of insurance or other financial services and products by the Company. Failure to provide the necessary information and particulars may result in the Company being unable to provide or continue to provide these services and products to you. 2. The Company may also generate and compile information about you. Personal information and particulars provided by you and all information generated and compiled by the Company about you from time to time is collectively referred to as "Your Personal Data". 3. The purposes for which Your Personal Data may be used are as follows: (i) offering and providing services and products to you, and administering, implementing, maintaining, managing and operating such services and products which may include, without limitation, insurance, financial and wealth management services and products; (ii) processing, assessing and determining any applications or requests made by you in connection with the Company's services or products, issuing or arranging insurance contracts and maintaining your account with the Company; (iii) designing insurance and other financial services and products for customers; (iv) marketing services and products to you (please see further details in paragraphs 5 to 8 below); (v) operating, maintaining and providing subsequent services in relation to the applications for services and/or products; (vi) creating and maintaining the credit and risk related models of the Company; (vii) processing and implementing payment instructions; (viii) determining any amount of indebtedness owing to or from you, and collecting and recovering any amount owing from you or any person who has provided any security or undertaking for your liabilities; (ix) exercising any rights that the Company may have in connection with the services and/or products provided to you; (x) verifying and conducting any eligibility, credit, physical, medical, security, underwriting and/or identity checks in connection with provision of services or products; (xi) any purposes in connection with any claims made by or against or otherwise involving you in respect of any services and/or products provided by the Company, including, without limitation, making, defending, analysing, investigating, processing, assessing, determining, responding to, resolving or settling such claims; (xii) performing policy review and needs analysis (whether or not on a regular basis); (xiii) meeting disclosure obligations or requirements imposed by or for the purposes of any law, rules, regulations, codes of practice or guidelines (whether applicable in or outside Hong Kong) binding on the Company or any of its subsidiaries, holding companies, associated or affiliated companies of, or companies controlled by, or under common control with the Company (collectively, "the Group") including, without limitation, making disclosure to any legal, regulatory, governmental, tax, law enforcement or other authorities, self-regulatory or industry bodies such as federations or associations of insurers; (xiv) meeting any present or future contractual or other commitment with any legal, regulatory, governmental, tax, law enforcement or other authorities, self-regulatory or industry bodies such as federations or associations of insurers in Hong Kong or any other jurisdictions that is assumed by or imposed on the Company or any member of the Group by reason of its financial, commercial, business or other interests or activities in or related to the relevant jurisdiction; (xv) complying with any obligations, requirements, policies, procedures, measures or arrangement for sharing data and information within the Group and/or other use of data and information in accordance with any group-wide programmes from time to time for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities; and (xvi) fulfilling any other purposes directly related to (i) to (xv) above. 4. To facilitate the purposes set out in paragraph 3 above, the Company may transfer, disclose, grant access to or share Your Personal Data with the following parties (whether within or outside Hong Kong) and Your Personal Data may be transferred outside Hong Kong: (i) members of the Group; (ii) any person or company which is acting for or on behalf of the Company, or jointly with the Company, in respect of a purpose or a directly related purpose for which Your Personal Data was provided; (iii) any person or company which is under a duty of confidentiality to the Company and has undertaken to keep such information confidential, provided that such person or company has a legitimate right to access such information (e.g. professional advisors of the Company); (iv) any person or company carrying on insurance-related and/or reinsurance-related business which is engaged by the Company in connection with the Company's business; (v) any physicians, hospitals, clinics, medical practitioners, laboratories, technicians, loss adjustors, risk intelligence providers, claim investigation companies, administrators or other professional advisors which are engaged by the Company in connection with the Company's business; (vi) any business partners of the Company ("Our Partners"); (vii) any agents, contractors or service providers which provide administrative, credit reference, debt collection, telecommunications, computer, payment, printing, redemption or other services in relation to the operation of businesses of the Company; and/or (viii) any person or company to whom the Company or the Group is under an obligation or otherwise required or expected to make disclosure under the requirements of any law, rules, regulations, codes of practice or guidelines (whether applicable in or outside Hong Kong) including, without limitation, any legal, regulatory, governmental, tax, law enforcement or other authorities, self-regulatory or industry bodies such as federations or associations of insurers. 5. The Company is allowed to (i) use Your Personal Data in direct marketing only if you consent or do not object, or (ii) provide Your Personal Data to another person or company for its use in direct marketing only if you consent or do not object in writing. 6. In connection with direct marketing, the Company intends: (i) to use your name, contact details, services and products portfolio information, financial background and demographic data held by the Company from time to time in direct marketing; (ii) to market the following classes of services and products offered by the Company, other members of the Group and/or Our Partners from time to time: a. insurance services and products; b. wealth management services and products; c. financial services and products; d. reward, loyalty or privileges programmes and related services and products; and e. donations and contributions for charitable and/or non-profit making purposes. (iii) to provide Your Personal Data described in paragraph 6(i) above to any members of the Group and/or Our Partners for their use in direct marketing the classes of services and products described in paragraph 6(ii) above. 7. If you do NOT wish the Company to use Your Personal Data in direct marketing or provide Your Personal Data to other persons or companies for their use in direct marketing, please tick ( ) the appropriate box(es) below to exercise your opt-out right. Please do not send direct marketing information to me. Please do not provide my personal data to other persons or companies for their use in direct marketing. 8. You may also write to the Company at the address below to opt out from direct marketing at any time. 9. Under the Personal Data (Privacy) Ordinance: (i) you have the right to request access to Your Personal Data held by the Company and request correction of any of Your Personal Data which is incorrect; and (ii) the Company has the right to charge you a reasonable fee for processing and complying with your data access request. 10. Requests for access to or correction of Your Personal Data should be made in writing to: Corporate Data Protection Officer FWD General Insurance Company Limited 1st Floor, FWD Financial Centre, 308 Des Voeux Road Central Hong Kong Should you have any queries, please do not hesitate to call our Customer Service Hotline In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail. I have read and I understand and accept this Personal Information Collection Statement. Signature: Name: (Name of applicant/individual to whom this Statement is given) HKID/Passport number: Jul 2013 (EB)

12 (i) (ii) (iii) (iv) ; 5 8 (v) (vi) (vii) (viii) (ix) (x) (xi) (xii) (xiii) (xiv) (xv) (xvi) (i) (xv) 4. 3 (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) 5. (i) (ii) 6. (i) (ii) a. b. c. ; d. ; e. / (iii) 6(i) 6(ii) 7. ( ) (i) (ii) ( ) / (EB)