Network Applicable Network for Direct Billing Platinum Network. Elective Treatment at Non-network facilities

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1 Government of Dubai Employee Healthcare Benefits Scheme Table of Benefits Policy Period: 1 January 2013 to 31 December 2014 Category B Please note that the applicable co-insurance (20%, 30%, 50%) under each benefit is mandatory under the policy stipulations. Reimbursement for (Elective & Emergency) Treatment outside UAE Not Maximum Annual Limit AED 500,000 Eligibility In-patient Hospitalization Cover - Outpatient treatment - Maternity - Prescription Drugs Network Applicable Network for Direct Billing Platinum Network Elective Treatment (at In-network Facilities) UAE Geographical Coverage Basis of Claims Settlement Emergency (Non-Elective) Elective Treatment at Non-network facilities Emergency (Non-Elective) Treatment Outside of the UAE Worldwide (excluding USA and Canada), covered 80% of eligible costs; 20% coinsurance applicable.(exception is for USA and Canadian Nationals who will be covered in their Home country for emergency treatment). Not 80% of eligible costs; 20% co-insurance applicable Deductible (Applicable to each visit where a consultation fee is charged) Consultation Private Facilities DHA Facilities UAE Nil AED 20 (Not applicable to Emirati) Maximum AED 500 per consultation 1

2 Outside UAE Maximum AED 1,000 per consultation, subject to 20% co-insurance In-patient (Subject to Pre-authorisation) Out-patient Room & Board - Private (Nonsuite) ICU Companion Charges UAE Outside UAE UAE Outside UAE Surgery, Anaesthesiology & Surgeon's Fees Doctor Consultations & Nursing Visiting Consultants Laboratory, Pathology etc. Diagnostic & Therapeutic Radiology, Ultrasounds, CT & MRI Scans etc Medications, IV Fluids, Blood Transfusions, Analgesics, Surgical Implants, Chemotherapy etc. Disposables & Consumables Take home / Discharge medications Physiotherapy Dialysis GP & Specialist Consultations Follow-up Consultations Laboratory, Pathology etc. 2 Maximum AED 1,500 per day, subject to 20% co-insurance Maximum AED 3,000 per day, subject to 20% co-insurance for children 18 years & under, subject to 20% coinsurance, subject to UCR network rates & 20% coinsurance, subject to 20% coinsurance; Nil deductible at Network facilities, subject to 20% coinsurance (where a follow-up consultation fee is charged)

3 Same-day Surgery (Day-case) Diagnostic & Therapeutic Radiology, Ultrasounds, CT & MRI Scans etc Prescription Medications Physiotherapy Emergency Dental, where medically necessary and prescribed by a medical doctor, Limited to 12 sessions per diagnosis per annum; For post-hospitalization, covered up to the maximum annual limit, subject to 30% coinsurance; Restricted to consultation & examination & immediate pain management following injury/trauma/damage to natural tooth structure(s) caused by external force Chronic Conditions Pre-existing Conditions without waiting period, subject to 20% coinsurance Dietician/Nutritionist Consultation In-patient & Outpatient,where appropriate (eg member's diagnosed with Diabetes, Hypertension or suffering from Obesity etc) and subject to a recommendation from a GP or Specialist; 20% co-insurance applicable Maternity Eligibility Female Employees, Female Spouse(s) 3

4 Limit Maximum AED 20,000 per policy year, for Antenatal care and delivery (whether via Normal or C-section mode), for Routine Maternity and Complications of pergnancy; Nil waiting period, subject to 20% co-insurance Newborn Children New born babies are covered under the mother's maternity limit immediately after birth as an in-patient until the first discharge from hospital. The Newborn's policy will commence immediately after birth subject to eligibility and enrolment (20% coinsurance). Dental (Routine) Subject to Pre-authorization Limit Inclusions Maximum AED 3000/ per member, subject to 30% coinsurance 1. Dental consultation 2. Tooth extraction, gum surgeries & root canals 3. Antibiotics and analgesics 4

5 Dental (Routine) Subject to Pre-authorization Inclusions 4. Crown placement (following root canal treatment): For posterior teeth, coverage for crowns is restricted to any one of the following -(i) porcelain-fused to metal (nonprecious)(ii) all metal (nonprecious)(iii) all ceramic, only when indicated (except where high-end dental materials such as but not limited to Emax, Zirconia etc are used) For anterior teeth, coverage for crowns is restricted to any one of the following (i) porcelainfused to metal (nonprecious)(ii) all ceramic, only when indicated (except where high-end dental materials such as but not limited to Emax, Zirconia etc are used) Where a tooth is indicated for crown restoration with a post & core component, the coverage is restricted to (non-precious) metal post & core only Where a member opts for high-cost or high-end dental materials to be used for (crown and/or post & core) restorations, the difference in costs (between the normal and high-cost types) will be borne directly by the concerned member 5. one routine dental check with cleaning and scaling per six months including fluoridisation and sealants covered for members up to 18 years of age only 6. Amalgam & Composite Fillings, except Zirconia Composite Inlays & Crowns 7. X-rays (inclusive of panoramic x-rays), when performed as part of any covered treatment Optical (Routine) Subject to Pre-authorization Limit Inclusions 5 AED 1,000 per member per annum, 50% co-insurance applicable on frames & contact lenses Consultation, tests, eye glass lenses, frames (with 50% coinsurance), contact lenses (with 50% co-insurance)

6 Other Benefits & Conditions Subject to Pre-authorisation Women's Health Uterine fibroids, ovarian cysts, endometriosis, polycystic ovarian disease, menstrual disorders Menopause, Osteoporosis Hormonal Replacement Therapy Nervous Disorders & Psychiatric Treatment Acne Keloids, Molluscum Contagiosum & Warts Lipoma, if not related to fertility treatment & subject to 20% co-insurance, if not related to fertility treatment & subject to 20% co-insurance for Psychiatric consultations, 20% coinsurance applicable; Psychotherapy limited to 12 sessions per member per annum, 20% co-insurance applicable. (Please note Psychiatric medications are excluded), 20% co-insurance applicable; Medications restricted to members aged 30 and under ONLY Moles, Nevus & Other Skin Growths on REIMBURSEMENT BASIS ONLY & subject to 20% co-insurance, when proven to be cancerous or infected per histopathology report. Mole mapping excluded. Senile Cataract & Other Degenerative Conditions of the Eye Deviated Nasal Septum (DNS) and Septoplasty Hearing Loss Accident or Illness Age-related Durable Medical Equipments, including, but not limited to, Orthopaedic accessories, crutches, wheelchairs, medical beds etc Not for hearing aids limited to AED 500, limited to AED 500 only (for all items, not per item) 6

7 Alternative Medicine within the UAE including chiropractors, osteopathy, homeopathy, ayurveda, acupuncture, chiropody, podiatry & other alternative medicine treatment Vaccinations: Childhood, Geriatric, Risk Group, Pilgrim & Flu Well Baby Clinic (Baby Supplies not included) Not Benefits at DHA Facilities Health Packages Birth Defects, Congenital Diseases & Disorders Obesity Hepatitis B & C Routine Health Check Up ; Restricted to Dietician Consultation Vocational Speech Therapy (as per protocols followed at DHA) Pre & Post Organ Tissue Transplant & Related Services Periods of Quarantine and/or Isolation Immunomodulators and/or Immunotherapy treatment or drugs including but not limited to Remicade, Interferon, enzyme preparations, antioxidants, liver tonics etc 24 Hour Emergency Hotline Assistance Cover with Pre- Authorization Transfer of the patient to the nearest hospital when medically necessary under medical supervision when Adequate facilities are not locally available Medically appropriate and necessary repatriation after stabilization treatment for illness/injuries occurring abroad Critical Care Monitoring Companion economy airfare to join patient for cases where insured is hospitalized for emergency abroad for more than 7 days Care and/or transportation home of minor children who are left unattended due to insureds emergency hospitalization 7

8 Emergency Message Transmission Emergency Cash Advance Repatriation of Mortal Remains to country of origin or residence Limit Dependent insurance residing outside UAE Passive War and Terrorism Work-related Illness / injury Maximum Annual Limit Not Eligible Not 8