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1 healthcare we offer international healthcare protection and exclusive solutions to meet your needs InternationalExclusive offers you and your family comprehensive coverage at home and abroad

2 contents 1 Best investment you could ever make for you & your family 2 Do you need healthcare insurance? 4 Considerations when buying healthcare insurance 6 Benefits of InternationalExclusive Comprehensive pregnancy & delivery benefit Pre and post-natal complications coverage Newborn accommodation benefit Chronic conditions 8 Benefits of InternationalExclusive Pre-authorization Pre-existing conditions International emergency medical assistance 10 Build your own InternationalExclusive plan 12 Illustrations 14 Why InternationalExclusive? Preferred treatment: Direct hospital billing 360 degree Caring: Chronic and Pre-existing conditions covered Around the clock team: 24/7 health services Around the globe support: International emergency medical assistance Happy moments: Comprehensive pregnancy & delivery 17 Important notes Information is correct as at Jan 2011

3 to enjoy peace of mind.. this could be the best investment you ever make for you & your family The world has become smaller with technological development and travelling for leisure or overseas assignments are becoming more common than ever. But what remains important is ensuring that you and your family are well taken care of regardless of where you are and when it is needed. Whether you are in your home country or working and living overseas or travelling, you should not be worrying about what to do, who to call and how to get assistance when you or your family need medical care. To enjoy peace of mind and to help you focus on other important things in life, you just need to enroll into an appropriate health insurance plan. This could be the best investment you ever make for you and your family! why do you need health insurance? who needs health insurance? 1

4 do you need healthcare insurance? Mr Jones and family are happily relocated to Singapore from Australia. The Jones are settling into their new home and enjoying their new lifestyle. Mrs Jones enrolls the kids, Emily & Jim, who are 9 & 7 years old respectively, into a neighborhood school. She is also busy gathering information on employing domestic helper and products and services offered by various banks and insurance companies for her family s banking and insurance needs while Mr Jones works late as he s getting adjusted in his new regional role. He travels extensively within Asia too. 2 Disclaimer: All characters and events portrayed within are purely fictional and any similarities to actual persons and events are purely unintentional.

5 Mrs Lee, a housewife, is a huge art lover who frequently volunteers and participates in local and international art fairs. Lately, she is busy planning her third trip this year to visit the museums in New York and Spain to attend exhibitions of her favourite artists works. And this time, she will be accompanied by her husband on her visits. 3

6 considerations when buying healthcare insurance? Little Emily caught a cold and Mrs Jones brought her to a local hospital. She finds that the medical bill and medical standards are comparable to Australia. Mrs Jones also finds out that deposit or pre-payment is required upon admission to a local hospital. 4

7 Running his own family business, Mr Lee understands the need to plan ahead and the interest of his family always comes first. Mrs Lee s family is overseas and she enjoys travelling with no boundaries. To ensure his wife is taken care of when she is at home or overseas, Mr Lee is looking for a complete insurance plan. 5

8 Benefits of InternationalExclusive Comprehensive pregnancy & delivery benefit Newborn accommodation benefit Pre and post-natal complications coverage Congratulations to the Jones family on their new addition as baby Jasmine is born in Singapore. Mrs Jones pregnancy and delivery cost came up to S$15,000 and she developed some post-natal complications after delivery. While Mrs Jones was receiving treatment, baby Jasmine stayed with the mother in hospital. Though Mrs. Jones has selected S$2,000 as annual deductible, the pregnancy and delivery cost was paid in full and the annual deductible only applies on the post-natal and the accommodation cost of baby Jasmine staying with her mother. Comprehensive pregnancy & delivery benefit 1 is one of the additional benefits included in InternationalExclusive and this benefit is effective after 12 months of consecutive membership! InternationalExclusive also comes with pre and post-natal complications coverage and it also is effective after 12 months of consecutive membership! Newborn accommodation benefit covers the cost for child who is less than 16 weeks old to stay with the mother while the mother is receiving eligible inpatient treatment. 1 Available with InternationalExclusive Plan A. 6

9 Chronic conditions coverage Mrs Jones experienced anxieties during her pregnancy and is pleased to find the free consultations from AXA s health at hand very helpful! Her calls are handled professionally by midwives and medical information shared are very useful. Health at Hand is an award winning service offered free of charge and is available 24/7 by AXA. It is supported by one of the largest electronic medical libraries in Europe and is staffed by registered nurses, midwives, pharmacists & counselors. Little Emily was diagnosed with asthma for the first time during her last doctor visit and the doctor puts her on a program which requires medication and frequent doctor visits. After speaking with AXA 24-hour health service team, Mrs Jones is relieved to find that AXA will be covering Emily s asthma conditions as part of the InternationalExclusive benefits. If the chronic conditions are developed and diagnosed after your InternationalExclusive becomes effective, the maintenance cost of such conditions will be covered by this policy! 7

10 Benefits of InternationalExclusive Pre-authorization Pre-existing conditions 2 One day, Mr Lee accidently falls on his hip while walking down from the office and he did not visit the doctor till the next day as the pain became unbearable. The doctor admitted Mr Lee into the hospital immediately and advised him that a surgery is required for his hip fracture injury. Mr Lee consults AXA 24-hour health service team on his situation and requests AXA to handle the S$4,000 deposit as well as hospital bill. AXA takes over the case with the doctor and hospital bill while Mr Lee only focuses on his surgery and recovery. Since the hospital is on AXA network hospital, Mr Lee simply signs the paper and no cash payment is required upon checking out. Pre-authorization allows you to visit your doctor or specialist without worrying about the consultation charge. InternationalExclusive pays for the bill directly without any hassles. Cost of medical care to address preexisting conditions 2 is covered by InternationalExclusive given that the condition is declared upon application and the member is already into the membership for 270 consecutive days or above. The limit increases further upon completion of two consecutive years of membership! After a full day museum tour, Mrs Lee wakes up with a sharp pain in her knee and immediately realized her old friend «arthritis» is coming back to haunt her again. The couple calls up the AXA 24-hour health service team who helps them to locate a local hospital where Mrs Lee gets her treatment. Regardless this is a pre-existing conditions 2, Mrs Lee gets her medical bill reimbursed! 8 2 Subject to terms and conditions of InternationalExclusive Plans A & B.

11 International Emergency medical assistance Mr & Mrs Lee were enjoying their vacation at a villa sitting on a hill top and to go to the small downtown located at the bottom of the hill, they need to commute by bicycle. One early morning, Mr & Mrs Lee were sharing a bicycle riding down the slope. The bicycle went out of control at full speed and Mrs Lee was flung out of the bicycle and landed on the side of the road. With the help of AXA s international emergency medical assistance, AXA arranged transportation for Mrs Lee to get to the nearest hospital for immediate medical treatment. After monitoring Mrs Lee s condition and upon the doctor s confirmation on her travel requirements, AXA makes all the necessary arrangements to change their air tickets, provided wheelchair assistance and arranged for Mr Lee to travel with her as a non-medical escort. International emergency medical assistance is one of the core benefits you will find handy in InternationalExclusive. In case of an emergency, AXA will assist you to get the treatment you need and if needed, we will bring you to the place where appropriate treatment is available. 9

12 Build your own InternationalExclusive plan Borrowing the experiences of the Jones & Lee family, we understand that getting health coverage is not an expense but an investment for you & your family. By choosing an appropriate health insurance plan, it not only saves you money, it also gives you a real peace of mind, ensuring that you and your family are well taken care of where and when needed most. AXA listens, understands and created InternationalExclusive InternationalExclusive is flexible, simple and reasonable Flexible Pick and choose the level of benefits and coverage you need Pick and choose the geographical areas you wish to be covered (Enjoy the freedom to receive treatment at any hospital of your choice within your selected geographical area of coverage) Choose your preferred currency for benefit and premium payments (Singapore dollars or US dollars) Simple + + Enjoy cashless admission and treatment at any of our carefully selected directory of hospitals Talk to us anytime and our 24-hour health service team is here to serve you Reasonable + Choose and pick your own benefits and premium calculation is based on How much do you wish to be covered for What benefits do you need Where do you want to receive treatments Way to manage your premium Who needs to be covered 10

13 Choosing the suitable plan How much do you wish to be covered for? Higher coverage -> higher premium What benefits do you need? To simplify this, benefits are grouped into 3 plans (Plan A, B & C) Plan A: Comprehensive Plan B: In-Patient & Out-Patient Plan C: In-Patient Where do you want to receive treatments? + Pick according to where you possibly need your treatments or your preferred place to have treatments + Likely to be the country or region where you live in, work in or travel to + 3 areas 3 Worldwide, Worldwide excluding USA, Asia Way to manage your premium Tool for you to adjust premium by making contribution to the cost - Annual Deductible 3 of treatment before receiving reimbursement Higher deductible translates to lower premium Annual deductible Level of discount S$ 7,000 or US$ 5,000 25% S$ 2,000 or US$ 1, % S$ 700 or US$ 500 5% Who needs to be covered? + InternationalExclusive opens to everyone and available up to age Insured mother can choose to cover her newborn baby from birth. 3 Please refer to page 17 for the definitions. If you wish to obtain more details on the benefits and premiums, please refer to the attached information or feel free to contact your insurance advisor or call us at or visit our website at 11

14 Illustration 1 Mr & Mrs Jones & their 3 children Step 1 Level of coverage and benefits Plan A Mr & Mrs Jones are fairly new to Singapore and with a growing family. They are looking for a comprehensive coverage. Considering their needs, they settle for InternationalExclusive Plan A. Step 2 Where do you want to receive treatments Asia Mr Jones has signed on a 5-year employment contract with his Singapore office with the possibility to be relocated to other offices in Asia. Mrs Jones is happy with Singapore and plans to explore and visit Asia during Mr Jones tenure in Asia. Hence, they decided that Asia regional coverage is appropriate for their needs. Step 3 Way to manage your premium - Annual Deductible % off Mrs Jones has a specific budget in mind and is prepared to pay for part of treatment costs if this helps to bring down the premium, yet not compromising on the level of coverage and benefits. Hence, the Jones proceeded with an annual deductible of S$2,000 and enjoy a 12.5% discount off the annual premium. Step 4 Who needs to be covered 2 adults & 3 children Mr Jones is convinced that everyone in the family should be covered under the same policy. InternationalExclusive Plan A is a comprehensive plan which includes benefits and covers relating to maternity, dental, pre-existing conditions, health screening and more! InternationalExclusive offers 3 choices of geographical area 3 coverage - Asia, Worldwide excluding USA and Worldwide This is only the product information. You should seek advice from a qualified advisor if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. 12

15 Illustration 2 Mr & Mrs Lee Step 1 Level of coverage and benefits Plan C Being Singaporeans, Mr & Mrs Lee are already enrolled into a local medical plan but are specially attracted to InternationalExclusive Plan C s benefits that covers expensive treatments and diagnostic scans. These are not covered by any other plans. So, Plan C is their preferred choice. Step 2 Where do you want to receive treatments Worldwide Though home is in Singapore, Mr Lee is a frequent traveler while Mrs Lee visits her family overseas and travels extensively all over the world throughout the year. Hence, Mr Lee believes a Worldwide coverage is more appropriate for him & his wife. Step 3 Way to manage your premium - Annual Deductible 3 0% Deductible is not a familiar concept with the Lees but after understanding how it works and after much consideration, they still prefer their usual practice. They prefer to have their treatment costs covered either via direct settlement or reimbursement from the insurance policy with nil deductible. Step 4 Who needs to be covered 2 adults There are only 2 of them in the household to be covered - Mr & Mrs Lee. Enjoy up to 25% discount by selecting your comfortable level of annual deductible 3 S$ 7,000 or US$ 5,000 25% discount S$ 2,000 or US$ 1, % discount S$ 700 or US$ 500 5% discount 3 Please refer to page 17 for the definitions. If you wish to obtain more details on the benefits and premiums, please refer to the attached information or feel free to contact your insurance advisor or call us at or visit our website at 13

16 why InternationalExclusive? InternationalExclusive cares about you and as an InternationalExclusive member, you may enjoy direct hospital billing and coverage for pre-existing 2 as well as chronic conditions Preferred treatment: Direct hospital billing Once pre-authorization is obtained, we will handle bills directly with the hospital within our directory of hospitals and you only focus on your treatment and getting well. To ensure we are providing you the best possible and qualified treatments, we constantly update our international directory of hospitals which is easily made available to you anytime by contacting our staff or visiting our website at If you choose to seek treatment at a non-network hospital for any reason, please notify us prior to the commencement of treatment and we will do our best to sort out the billing arrangement with your preferred hospital Subject to terms and conditions of InternationalExclusive Plans A & B.

17 360 degree caring: Chronic and Pre-existing conditions 2 cover InternationalExclusive offers generous cover and even some benefits for preexisting conditions 2 and all we ask for is your declaration upon the time of application. In fact, we provide coverage for declared pre-existing conditions 2 automatically upon completion of 270 days of consecutive membership with InternationalExclusive. We will even increase the coverage if your membership stays with us for two consecutive years and beyond. We understand treatment for chronic conditions is not an easy journey for anyone. To lessen the financial burden on such incidents if it ever happens, InternationalExclusive covers the maintenance of non pre-existing chronic conditions. Around the clock team: 24/7 health services InternationalExclusive continues to strive to be the best including member servicing. AXA 24-hour health service team is here to provide information about your benefits, discuss with you about a claim or any questions you might have regardless of where you are and at the time most convenient for you. 15

18 InternationalExclusive stands by you 24 hours a day, 365 days a year and in every corner of the world you live, travel or work. Our team of experts is only a phone call away when you need any assistance or consultation Around the globe support: International emergency medical assistance Overseas evacuation and repatriation service is one of the core benefits we offer in all our InternationalExclusive plans and this is available anywhere in the world, 24/7 throughout the year. In case of an emergency and if, in the opinion of an appointed doctor, the local in-patient treatment is not made available promptly, we will arrange to move the patient to the nearest appropriate facility available. This facility could be located in another country, your country of residence or even your home country. We will do our best to assist you in seeking the most appropriate treatment in case of emergency anywhere in the world. In the unfortunate event of death, we will arrange and pay for the cost of bringing the deceased s body back to the principle country of residence or home country. Happy moments: Comprehensive pregnancy 2 & delivery We will be excited to share with the mother-to-be her happy moments by providing pregnancy & delivery benefits. Furthermore, we provide coverage for unexpected medical complications that occur during pregnancy. These benefits are available in selected plans and upon completion of 12 months of consecutive membership. 16 If you wish to obtain more details on the benefits and premiums, please refer to the attached information or feel free to contact your insurance advisor or call us at or visit our website at

19 important notes Please refer to the premium table for details of charges. Full details of the policy cover, definitions and exclusions can be found in your personal handbook and membership agreement. All information described in this sales brochure is only product information provided by AXA. You should seek advice from a qualified advisor if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This brochure is not a contract of insurance. For full terms and conditions, please refer to the Policy which is the operative document. AXA reserves the right to amend any of the information shown without prior notice. definitions Annual deductible is the amount of covered expenses you pay in full each year before plan benefits begin Asia covers Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Myanmar, Mongolia, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam Worldwide excluding USA covers worldwide excluding the USA and US Minor Outlying islands 17

20 AXA: A World Leader in Financial Protection AXA Group in billion Euros in consolidated revenues 878 billion Euros in assets under management 214,000 employees and distributors worldwide working to deliver the right solutions and top quality service to our customers 95 million customers across the globe have placed their trust in AXA to: Insure their property (vehicles, homes, equipment) Provide health and personal protection coverage for their families and employees Manage their personal or corporate assets AXA Insurance Singapore in 2010 Leading General Insurer in Singapore Business ranking No. 1 in Health Insurance No. 2 in Cargo Insurance No. 3 in Motor Insurance Over 170 years of local experience in Asia Wide range of Smart products for individual and business needs Top 3 for Corporate Reputation, according to the annual survey run by Reputation Management Associates motor property leisure & travel healthcare personal accident business packages liability marine AXA Insurance Singapore Pte Ltd 8 Shenton Way #27-01 AXA Tower Singapore Customer Service Centre #B Co. Reg No D NPE/HCP/

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