Quote Reference. Underwriting Terms. Premium Currency USD. Payment Frequency. Quotation Validity BUPA AFRICA PROPOSAL.

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1 Quote Reference Family Quote 2013 Underwriting Terms BUPA AFRICA PROPOSAL Full Medical Underwriting and/or Continuous PreviousMedical Exclusions Premium Currency USD Payment Frequency One annual payment overleaf. Payment options can be offered on request. Quotation Validity 30 days

2 BENEFITS 1 ExPLORER SUMMARY OF BENEFITS ExPLORER ESSENTIAL PLUS ExPLORER GOLD OVERALL ANNUAL MAXIMUM PER MEMBER PER MEMBERSHIP YEAR USD 500,000/EUR 370,000/GBP 300,000 USD 1,500,000/EUR 1,103,000/GBP 900,000 CORE BENEFITS AND LIMITATIONS Hospital accommodation 100% 100% Surgical operations, including pre- and post-operative 100% 100% Post-hospitalisation services (for a maximum of 90 days after discharge) USD 2,000, EUR 1,500, GBP 1,200 per membership Paid from out-patient benefit Nursing care, drugs and surgical dressings 100% 100% Physicians fees 100% 100% Theatre charges 100% 100% Intensive care 100% 100% Pathology, X-rays, diagnostic tests and therapies 100% 100% Prosthetic implants and appliances 100% 100% Parent accommodation 100% 100% Psychiatric treatment (after two s membership, lifetime maximum of 90 days) 100% 100% Advanced imaging 100% 100% Cancer treatment 100% 100% HIV/AIDS treatment (related conditions + drug therapy including ART) after 1 s membership Home nursing after in-patient treatment Hospice and palliative care Maternity (after 10 months membership) Newborn care USD 5,000, EUR 3,750, GBP 2,950 per membership USD 200, EUR 150, GBP 120 each day for a maximum of 15 days per membership USD 20,000, EUR 14,800, GBP 11,800 lifetime maximum of 90 days following birth USD 10,000, EUR 7,400, GBP 5,900 per membership USD 200, EUR 150, GBP 120 each day for a maximum of 30 days per membership USD 20,000, EUR 14,800, GBP 11,800 lifetime maximum USD 8,000, EUR 6,000, GBP 4,700 per membership USD 100,000, EUR 73,750, GBP 58,800 for a maximum of 90 days following birth Prosthetic devices USD 4,000, EUR 3,000, GBP 2,350 for each device USD 4,000, EUR 3,000, GBP 2,350 for each device Rehabilitation 100% for a maximum of 30 days per membership 100% for a maximum of 30 days per membership Transplant services 100% 100% Air ambulance 100% 100% Road ambulance 100% 100% Assistance cover 100% 100% Emergency out of area cover Treatment for congenital and hereditary conditions of 30 days per membership of 30 days per membership USD 100,000, EUR 73,750, GBP 58,800 per membership

3 BENEFITS 2 ExPLORER SUMMARY OF BENEFITS ExPLORER ESSENTIAL PLUS ExPLORER GOLD OVERALL ANNUAL MAXIMUM PER MEMBER PER MEMBERSHIP YEAR USD 500,000/EUR 370,000/GBP 300,000 USD 1,500,000/EUR 1,103,000/GBP 900,000 OUT-PATIENT BENEFITS AND LIMITATIONS Out-patient surgical operations 100% 100% Accident-related dental treatment USD 500, EUR 375, GBP 300 per membership USD 1,000, EUR 750, GBP 600 per membership Consultants fees for consultations 100% Costs for treatment by a family doctor 100% Costs for treatment by therapists and complementary medicine practitioners Consultants fees and psychologists fees for psychiatric treatment (after two s membership) Paid from post-hospitalisation services 100% for a maximum of 30 visits per membership Pathology, X-rays and diagnostic tests 100% Prescribed drugs and dressings USD 2,000, EUR 1,500, GBP 1,200 per membership Vaccinations USD 1,000, EUR 750, GBP 600 per membership Full Health Screening and Wellness (after one s membership) USD 500, EUR 375, GBP 300 per membership OPTIONAL BENEFITS AND LIMITATIONS Dental (after 6 months membership) Optical GENERAL ExCLUSIONS There are general exclusions which apply for all levels. Below are some of the treatments we do not pay for: 75% to a maximum of USD 1,000, EUR 750, GBP 600 per membership 75% to a maximum of USD 400, EUR 315, GBP 250 per membership SIGNIFICANT ExCLUSIONS OR LIMITATIONS WHAT IS NOT COVERED? Artificial life maintenance Developmental problems, including learning difficulties and behavioural and physical development problems, and developmental problems treated in an educational environment. Elective cosmetic surgery/treatment. Foetal surgery undertaken in the womb. Health hydros/nature cure clinics. Infertility treatment. Pre-existing conditions - i.e. any condition that you have when you join, or which you have suffered from in the past and which may recur. Self-inflicted injuries Sleep disorders. Temporomandibular joint (TMJ) disorders. The purchase of donor organs. Treatment of harmful or hazardous use of alcohol, drugs and/or medicines. The information contained in this product summary is for illustration purposes only. For full details of what is and what is not covered, please refer to the Membership Guide, contact a Bupa International representative or view online by visiting bupa-intl.com.

4 BENEFITS 3 ADVANTAGES OF BUYING BUPA Complete freedom to choose any recognised hospital, clinic, doctor or specialist, with thousands to select from. Through an interpreter service, our advisors are able to communicate with you in the language of your choice and are available to offer help, advice and reassurance, 24 hours a day, 365 days a. An emergency assistance team is on standby to help with everything from locating the right medical facility to organising air ambulance evacuation at short notice. Speedy and safe evacuation, including air ambulances and scheduled flights to the right medical facility within the region*. Depending on the condition, we also appoint a dedicated case manager for all complex treatment or lengthy stays in hospital. Our medical concierge and hospitality program provides patients and their families with support and guidance during a hospital stay. *Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central African Republic, Chad, Comoros, Democratic Republic of the Congo, Republic of the Congo, Djibouti, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, India, Ivory Coast, Kenya, Lesotho, Liberia, Libya, Madagascar, Malawi, Mali, Mauritania, Mauritius, Mayotte, Morocco, Mozambique, Namibia, Niger, Nigeria, Pakistan, Réunion, Rwanda, Saint Helena, São Tomé and Príncipe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Swaziland, Tanzania, Togo, Tunisia, Uganda, Western Sahara, Zambia, Zimbabwe.

5 CONTACT US JW Seagon & Company Limited First Floor, Olibya Plaza (formerly Mobil Plaza), Muthaiga P.O. Box , Nairobi Phone: +254 (20) Mobile: +254 (722) / +254 (734) Wireless:+254 (20) /7/9 Fax: +254 (20) TERMS THIS DOCUMENT CONTAINS A SUMMARY OF PRODUCTS AND SERVICES PROVIDED BY JWSEAGON & COMPANY AND OUR KEY PARTNERS; WHICH MAY VARY DEPENDING ON CUSTOMER PREFERENCES, CONDITIONS, AGE, GEOGRAPHIC LOCATION AND OTHER FACTORS. ONLY THE POLICY WORDING FROM THE PROVIDER SHALL BE CONSIDERED. FULL DETAILS INCLUDING CONDITIONS & EXCLUSIONS ARE AVAILABLE ON THE POLICY WORDING. OUR UNDERWRITERS, AFFILIATES AND PROVIDERS MAY CHANGE AT THEIR DISCRETION WITHOUT ANY NOTIFICATION. IN NO EVENT SHALL JWSEAGON & COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS OR SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING THOSE RESULTING FROM LOSS OF USE, OR PROFITS, WHETHER OR NOT FORESEEABLE OR IF JWSEAGON & COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR BASED ON ANY THEORY OF LIABILITY, INCLUDING BREACH OF CONTRACT OR WARRANTY, NEGLIGENCE OR OTHER TORTIOUS ACTION, OR ANY OTHER CLAIM ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR ACCESS TO THIS INFORMATION IN HARD COPY OR ON OUR WEBSITES, OR OTHER ACCOMPANYING PROMOTIONAL MATERIALS. NOTHING IN THE TERMS SHALL LIMIT JWSEAGON & COMPANY FOR GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT OF ANY PARTY. CONNECT & SHARE twitter.com/jwseagon facebook.com/jwseagon jwseagon

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