Nanjing International School

Transcription

1 Nanjing International School High-end Medical Benefit Handbook

2 Contents 1. INTRODUCTION GREETINGS PING AN HEALTH IMPORTANT NOTES PRE-AUTHORIZATION LUXURY HOSPITALS: DIRECT BILLING BENEFIT TABLE OF BENEFIT EXCLUSIONS SERVICE GUIDE HOW TO USE DIRECT BILLING SERVICE HOW TO SUBMIT AFTER VISIT CLAIM APPLICATION HOW TO ARRANGE SURGERY IN THAILAND WORLDWIDE EMERGENCY ASSISTANCE APPENDIX APPENDIX 1: SELECTION OF NETWORK HOSPITALS APPENDIX 2: WORLDWIDE EMERGENCY ASSISTANCE APPENDIX 3: THAILAND HOSPITALS LIST

3 1. Introduction 1.1 Greetings Greetings members! In the year 2015/2016, eligible members are covered in an international health insurance plan provided by Ping An Health Insurance Company. Please read this guide book carefully before receiving treatment. We wish you good physical and mental health for the future. 1.2 Ping An Health Ping An Health Insurance Company of China, Ltd. (Ping An Health) is a wholly owned subsidiary of second largest financial and insurance groups in China, the Ping An Insurance (Group) Company of China, Ltd. Specializing in health insurance provisions, Ping An Health has combined local and overseas expertise of members with rich professional experience to its management and service team. Ping An has developed a wide Direct Settlement Network in either mainland China or overseas, supporting its members comprehensive medical-care. Also, Ping An Health aimed at building a long-term scheme of health management in China for customers by providing high-quality health services in the beginning

4 2. Important Notes Ping An Health 24-Hour Hotline: *2 (English service) Account Manager (Ping An Health) Rita ZHANG Contact No: Mailbox: One World Cover Mailbox: 2.1 Pre-authorization Members that fail to obtain pre-authorization prior to all services listed below (except for emergency medical evacuation) treatment may be held liable for paying a 40% co-payment of the entire cost of the procedure, with no out-of-pocket limit. For emergency situations, please notify us within 48 hours after the occurrence of emergency. If you need to receive the following medical treatment, please contact our 24 hour hotline in advance to apply for pre-authorization: Flight to Thailand (see details in the table of benefit) All in-patient and surgery treatment(including out-patient surgery) Exams and therapy priced in excess of RMB 5,000 Purchase or rental of insulin pumps and associated devices First Special Out-patient Treatment (see details in the table of benefit) Emergency Medical Treatment Outside the Coverage Area (see details in the table of benefit) Please provide the following information when you call the hotline: Your sub-policy number (printed on the insurance card), passport number and name Details of the hospitalization We ll reply within one or two working days. 2.2 Luxury hospitals: Only 80% of expenses will be reimbursed if you go to Luxury Hospitals on the list below! We will update the list on a regular base, for the most up-to-date specified hospital list please contact *2 (English service) City Provider Address Beijing 北京国际医疗中心 Beijing International Medical Center 北京市朝阳区亮马桥路 50 号北京燕沙中心办公楼 S111

5 City Provider Address Beijing Beijing Beijing Beijing Beijing Beijing Beijing Beijing Beijing Beijing 北京国际医疗中心 Beijing International Medical Center 北京天坛普华医院 Beijing St. Michael hospital 北京普华国际门诊部 Beijing St. Michael International Clinic 北京和睦家医院 Beijing United Family Hospital and Clinics 北京和睦家建国门保健中心 Beijing United Family Health & Wellness Center - Jianguomen 北京和睦家亮马诊所 United Family Liangma Clinic 北京和睦家顺义诊所 Beijing United Family Clinic - Shunyi 国际 SOS 北京诊所 Beijing International SOS Clinic 北京百汇诊所 ParkwayHealth Beijing Clinic 北京明德医院 OASIS INTERNATIONAL HOSPITAL S111 Lufthansa Center, 50 Liangmaqiao Road, Chaoyang District 北京市朝阳区亮马桥路 50 号北京燕沙中心办公楼 S111 S111 Lufthansa Center, 50 Liangmaqiao Road, Chaoyang District 北京市天坛南里 12 号 No.12 TianTan _Nanli Beijing 北京市朝阳区武胜北路 54 号 54 N. Wusheng Road, Chaoyang District 北京朝阳区将台路 2 号 2 Jiangtai Road, Chaoyang District 北京朝阳区建国门外大街 21 号北京国际俱乐部饭店公寓楼地下一层 B1/F, 21 Jianguomenwai Avenue, The St. Regis Residence, St. Regis Hotel Beijing 北京市朝阳区东方东路 19 号 1 号楼会所 27 号 No.16,The Grand Summit Beijing, Section B,Liangmaqiao Diplomatic Residence Compound, No.19Dongfangdong Road Beijing, 北京顺义天竺开发区荣祥广场 818 号 Pinnacle Plaza, Unit #818, Tian Zhu Real Estate Zone, Shunyi 北京朝阳区三里屯西五街 5 号北信京谊大厦 C 座 Suite 105, Wing 1, Kunsha Building No 16 Xinyuanli,Chaoyang District,Beijing 北京朝阳区朝外大街甲 6 号万通中心 1 层 1F-2F, Vantone Center No.Jia 6, Chaowai Street, Chao Yang Street, Beijing 北京市朝阳区酒仙桥北路 9 号 No. 9 Jiuxianqiao Bei Lu Chaoyang District, Beijing China Beijing 北京泰济堂中医医院北京市海淀区彰化路 138 号西荣阁大厦 A 座 - 1 -

6 City Provider Address Beijing Taijitang Traditional Chinese Medicine Hospital 上海戴是凯医学康复门诊部 - 金桥分店 Sinounited Health(Jinqiao) 上海天坛普华医院 St. Michael Hospital 上海东方国际医院 East International Medical Center 百汇瑞虹医疗中心 Manderine City Medical Center 百汇华鹰医疗中心 Tomorrow Square International Medical & Surgical Center 百汇新瑞医疗中心 Parkway Specialty and Inpatient Center 百汇瑞祥医疗中心 Parkway Hong Qiao Medical Center 百汇瑞浦医疗中心 Parkway Jinqiao Medical and Dental Center 百汇瑞新医疗中心 Parkway Centre Medical & Dental Centers 百汇金浦医疗中心 ParkwayHealth Jin Mao Tower Medical Center 上海市闵行区和美家诊所 United Family Clinics - Minhang 底商 102A Room 102A XiRongGe bottom No.138 of Changhua Road, Hai Dian District, Beijing 红枫路 300 弄 16 号 No.16,Lane 300 Hongfeng Rd.Pudong, 上海长宁区红宝石路 388 号 388 Hongbaoshi Road, Changning District 上海市浦东南路 551 号 ( 东方医院门诊大楼后门 )1 楼 /12 楼 1/F&12/F, 551 South Pudong Road. Pudong District, (North door of East Hospital Outpatient Building) 上海市虹许路 788 号 30 座底楼 G/F, No. 30, Lane 788, HongXu Road 上海南京西路 389 号明天广场 4 楼 4/F, Tomorrow Square, 389 West Nanjing Road 上海市淡水路 170 号 2/3 楼 2-3/F, 170 Danshui Road 上海市虹桥路 2258 号 2258 Hongqiao Road 上海浦东新区金桥红枫路 51 号 51 Hongfeng Road, Jinqiao, Pudong District 上海南京西路 1376 号商城西峰店 203/204 室 West Retail Plaza, 1376 West Nanjing Road 上海浦东世纪大道 88 号金茂大厦裙房金茂时尚生活中心一层 J-LIFE, Podium Building, 88 Century Avenue, Pudong New Area 上海市闵行区华漕镇金丰路 555 弄上海网球俱乐部内 Racquet Club, Ground Floor Clubhouse, Lane 555, - 2 -

7 City Provider Address Guangzhou Guangzhou Guangzhou Chengdu Tianjin Tianjin 上海和睦家医院 United Family Hospital and Clinics 上海国际医院 ( 原华山国际医疗中心浦东门诊部 A/B) 区 ) International Hospital (Huashan Worldwide Medical Center (Pudong Branch)) 上海沃德医疗中心 WorldPath Clinic International 上海臻景医疗 Optimum Health Care 上海世道中医门诊部 Shidao TCM Clinic 广州和睦家诊所 Guagnzhou United Family Clinic 广州加美医疗中心 Guangzhou CanAm International Medical Center 西部外科研究所 Institute for Western Surgery China 百汇成都医疗中心 Parkway Chengdu Medical Center 国际 SOS 天津诊所 Tianjin International SOS Clinic 天津和睦家医院 Tianjin United Family Hospital and Clinics (TJU) Jinfeng Lu Huacao Town, Minhang District, 上海市长宁区仙霞路 1139 号 1139 Xianxia Road, Changning District, 金桥红枫路 525 号 1 楼 A/B 区 Area A/B, 1/F, 525 Hongfeng Road 上海市世纪大道 777 号 C 座 Suite C, 777 Century Avenue, 上海市兴国路 78 号兴国宾馆 5 号楼 Bd 5, Radisson Plaza Xing Guo Hotel, 78 Xingguo Road, 上海市古美路 475 号 No 475,Gumei Road, 广州大道中 301 号人保大厦附楼首层 1/F, Annex Building, PICC Buidling, 301 Guangzhou Ave Middle 广州市环市东路 368 号花园酒店花园大厦 5 楼 5/F Garden Tower, Garden Hotel 368 Huanshi Dong Lu 广州海珠区同福中路 396 号 396 Middle Tongfu Road, Haizhu District, Guangzhou 万象北路 18 号成都市第一人民医院内 Chengdu No. 1 People's Hospital, 18 Wan Xiang North Road 天津河西区紫金山路喜来登饭店 1F Sheraton Hotel Apartment Building, Zi Ji Shan Road,He Xi District,Tianjin 天津市河西区潭江道天潇园 22 号 22 Tanjiang Road, Hexi District, Tianjin - 3 -

8 City Provider Address Shenzhen Shenzhen Shenzhen Hong Kong Hong Kong Hong Kong Singapore Singapore Singapore Singapore Singapore 国际 SOS 蛇口诊所 Shekou International SOS Clinic 深圳加美医疗中心 Shenzhen CanAm Medical Center 香港大学深圳医院国际医疗中心 The University of Hong Kong- Shenzhen Hospital International Medical Center 香港港安医院 Adventist Hospital 香港明德医院 Matilda Hospital 香港养和医院 Sanatorium Hospital Thomson Medical Centre 汤姆森医疗中心 Gleneagles Hospital 鹰阁医院 Mount Elizabeth Hospital 伊丽莎白医院 Mount Elizabeth Novena Hospital 伊丽莎白诺维娜医院 Parkway East Hospital (formerly East Shore Hospital) 东岸医院深圳蛇口南海大道南 9 号招商国旅大厦 1 楼 Ground Floor, CMIT Building No.9 Nanhai Road South,Shekou, Shenzhen 深圳市南山区蛇口南海大道 1033 号泰格国际公寓 E0119 E0119, 1033 Nanhai Avenue, Shekou, Nanshan District, Shenzhen 深圳市福田区海园一路 1 号 1 Haiyuan 1st Road, Futian District, Shenzhen 香港司徒拔道 40 号 40 Stubbs Road,HK 香港山顶加列山道 41 号 41 Mount Kellett Road,The Peak, HK 香港跑马地山村道二号 2 Village Road, Happy Valley, HK 339 Thomson Road, Singapore 6A Napier Road, Singapore Mt.Elizabeth Singapore Irrawaddy Road, Suite 08-56, Singapore Joo Chiat Place Singapore Direct billing The direct billing service is provided to inpatient treatment within our network hospital. (See network hospital list in Appendix 1) The direct billing services will NOT be provided for out-patient treatment, medical exclusions, female maternity, health check, vision, dental, and vaccination services. If the mentioned items are covered in your benefits scheme, please submit the expenses for afterwards claim

9 3. Benefit 3.1 Table of Benefit Policy Period: One Year (1 August July 2015) Core benefits Currency: RMB Overall limit for a policy year RMB 12,000,000 Geographic area where cover applies Out of pocket maximum (applies to excess/deductible and Specified Hospital co-pay) Annual Deductible* *based on your family s Vitality status as at 1 July Worldwide Exc. US RMB10,000 6,000 Per Individual 18,000 Per Family 5,000 Per Individual 15,000 Per Family 4,000 Per Individual 12,000 Per Family 3,000 Per Individual 9,000 Per Family United States Outpatient Treatment RMB 10,000 and Routine Physical Examination benefit (only provided to US nationals) If an insured visits some luxury hospital, the accumulative co-pay maximum will be 10,000; for the part exceeding 10,000 at the specified hospital, it will be 100% covered (the deductible will not apply to the co-pay maximum) Not applied to health check up Inpatient treatment benefits Overall limit for inpatient benefits for a policy year RMB 12,000,000 Reimbursement ratio of inpatient claims 100% Daily policy limits for hospital bed fee, food and nursing care charges (up to 365 days/policy year) Policy limits for examination, laboratory test and treatment fees (including doctors fee) RMB 12,000,000 RMB 12,000,000 Policy limit for doctors fee RMB 12,000,000 Policy limit for medicine expenses(including Traditional Chinese herbal medicine) RMB 12,000,

10 Policy limit for operation charges RMB 12,000,000 Surgery (excluding organ transplant surgery) RMB 12,000,000 Daily policy limit for companion bed fee RMB 12,000,000 Daily policy limit for hospitalization allowance for zero claim (up to 30 days/ policy year) Policy limit for treatment of mental illnesses (up to 90 days/policy year) Policy limit for family care (up to 100 days/ policy year) Not covered Not covered Not covered Day care treatment RMB 12,000,000 Policy limit for hospice care expenses (up to 45 days/ policy year) RMB 12,000,000 Ambulance charge RMB 12,000,000 Outpatient treatment benefits Annual limit RMB 12,000,000 Reimbursement ratio of outpatient claims 100% Deductible per visit 0 Outpatient operation fee, MRI, CT, PET Scan Annual Limit RMB 12,000,000 Policy limit for medicine expenses RMB 60,000 Policy limit for registration fee/doctor consultation fee, examination fee, treatment fee Policy limit for diabetes treatment article purchase or rental expenses annual limit (inc. insulin pumps, etc.) Policy limit for physiotherapy and other alternative therapies per visit (up to 10 visits/policy year) Policy limit for psychiatric treatment (up to 20 visits/policy year) Policy limit for accidental dental treatment Policy limit for hormone replacement therapy Policy limits for neonate immunization and examination expenses RMB 60,000 RMB 60,000 RMB 12,000 RMB 60,000 Not covered Not covered Not covered Overall annual limit for the sub-limits RMB 60,

11 Ambulance charge RMB 60,000 Special outpatient treatment benefits Definition: Regardless of the number of times the Insured undergoes outpatient renal dialysis and outpatient cancer treatment (electrotherapy, chemotherapy or radiotherapy) in a hospital, we will cover the reasonable and necessary special outpatient treatment expenses at the corresponding benefit ratios within the annual special outpatient treatment benefit limits. Benefit ratio 100% Overall limit for special outpatient treatment for a policy year: RMB 12,000,000 Emergency treatment outside of the geographic coverage Definition: Emergency treatment outside of the geographic coverage area applies to the following list of accidental injuries or sudden acute diseases: Hyperpyrexia (38.5 degrees Celsius or higher in case of an adult, and 39 degrees Celsius or higher in case of a child); Acute abdominalgia, violent vomiting, and severe diarrhea; Severe shock due to various causes; Comas; Epilepsy; Severe wheezing and dyspnea (shortness of breath); Acute chest pain, acute heart failure, and serious cardiac arrhythmias; Hypertensive crisis, hypertensive encephalopathy, and cerebrovascular accidents (stroke); Acute bleeding due to various causes; Acute bleeding and haematocele of urinary tract, enuresis, and nephric colic; Acute poisoning (e.g. food/drug poisoning), and various critical accidents (e.g. electric shock, drowning); Traumatic brain injuries, fractures, dislocations, tearing, burns, scalding or other acute external injuries; Various bites inflicted by poisonous animals or insects, or acute anaphylactic diseases; Foreign bodies in the five sensory organs, respiratory tract or esophagus; acute ophthalmalgia, pink-eye, swelling of eye; sudden visual disorder and ocular injury; and Other emergency treatments for patients with acute or critical illnesses. Reimbursement ratio of hospital claims 100% Annual limit RMB 12,000,

12 Worldwide travel emergency evacuation Includes emergency medical evacuation, accommodation for compassionate visits and repatriation to the country of residence Repatriation of mortal remains or ashes for local cremation or burial Included Services as detailed under emergency assistance (See appendix 2) Maternity benefits Reimbursement ratio of claims 100% Pre-natal and post-natal examinations, pre-natal vitamins and calcium tonic; Hospital expenses on delivery or abortion (We will only pay maternity benefits for miscarriage once per policy year.); Type-B ultrasonic examination (up to two visits each policy year); Newborn infant care, treatment and vaccinations (within 14 days) RMB 60,000 Dental benefits Annual limit Preventive dental treatment Basic dental treatment: includes amalgams or composite fillings, simple extractions, periodontal scaling and root planning Major dental treatment: Not Covered Not Covered Not Covered Not Covered Health Check-up Health Check-up and Vaccinations Female Pap Smear (Once per year) Female Mammogram (Once per year) Male Prostate Cancer Screening (Once per year) RMB 3,000; 100% Covered, includes US coverage Vaccinations - 8 -

13 Preventive Dental Care Not Covered Vision benefits Routine eye examination (once each year) Contact lenses Frames and lenses Not covered Not covered Not covered Other special medical benefits Chinese Herbal medicine Annual Limit RMB 12,000 Durable Medical Equipment Reconstructive Surgery: Where reconstructive surgery is needed as a result of an accident or disease in order to restore function or shape/appearance, the surgery must be carried out within 12 months of the accident or disease. Congenital condition treatment, and examination that is diagnosed within 6 months of birth for new born infants that are enrolled onto the plan within 30 days of birth Congenital condition treatment and examination for minors under 18 years of age Pregnancy Complications: Expenses for complications arising from pregnancy Subjected to Inpatient & Outpatient limits RMB 12,000,000 RMB 200,000 RMB 30,000 RMB 12,000,000 Not restricted to maternity limits Cancer Treatment RMB 12,000,000 Not restricted to outpatient limits AIDS/HIV Treatment (Non pre-existing) RMB 600,000 Flights to Thailand RMB 6,000 Only eligible for inpatient treatment received within Ping An Health s Thailand network. (See appendix 3 for Thailand network list.) Inpatient treatment preauthorization is also required. Restricted to one economy class return flight under the name of the client - 9 -

14 receiving the inpatient treatment per policy year up to a maximum amount of RMB 6,000 Flights for accompanying family members are not covered Flights must arrive in Thailand within a two-day period prior to admission and leave Thailand within a two-day period following discharge from hospital 3.2 Exclusions The Company shall not be responsible for medical expenses or Worldwide Emergency Assistance service arising from following situation: (I) Treatment Not on Purpose of Cure Disease 1. All kinds of cosmetic orthopaedics: skin pigmentation, acne without cyst or abscess, redness acne; treatment and removal of benign skin changes (freckles, age pigment, moles, warts) without pathological cell changes (size, shape or color have changed recently); treatment of superficial varicose veins, spider veins, scars other than keloid, tattoo removal, and skin discoloration; laser orthopaedics, wrinkle removal, eye pockets removal, opening of double fold, white hair, baldness, hair loss, hair planting, hair removal, rhinoplasty and breast augmentation; 2. All kinds of surgery for orthopaedics or biological defects: flatfood, snoring and various non-functional orthopaedics and orthopedic surgery; 3. Body-building treatment: nutrition, weight loss, weight increase and adding height; 4. Health check-up items which are not listed in the Contract; 5. All kinds of preventive healthcare: massage, automatic massage bed, medicated steam, medicated bathing, physical fitness, various vaccinations (unless specified in the Contract), preventive injections and disease survey; 6. All kinds of medical advisory and healthy forecast: health counseling, family counseling, marriage counseling, sex counseling and pre-marriage counseling; 7. All kinds of medical identification: Medical Accident, mental disorders, fetal gender, wounds, paternity test and genetic genes. (II) Reproductive Treatment 1. Artificially assisted reproduction, male and female birth control; 2. Vasectomies or tubal ligation and other sterilization techniques; 3. Treatment of sexual dysfunction; 4. Abortion, except for emergency; Cost of abortion and its consequences if performed for psychological or social reasons, and elective cesarean delivery; 5. Examining and treatment of infertility;

15 6. Reversal of previous sterilization; 7. Transsexual surgery; 8. Medications taken for sexual dysfunction; 9. Pre-natal training; 10. Freeze-storage, cultivation, and re-cultivation of any active cells related to birth control or maternity. (III) Organ transplantation items 1. Transplant surgery on organs or tissues except kidney, liver, heart, lung and hematopoietic stem cells; 2. Examination and treatment costs of donors; 3. Searching, buying, transporting and storage of source of organs or tissues; 4. Any expenses relating to donation of one s own tissues and organs. (IV) Dental Medical Treatment 1. Expenses of dental medical treatment which are not covered by the insurance policy. Such as costs arising from teeth treatment on cosmetic purpose which are not medically necessary, teeth whitening, tooth transplantation, inlays, orthopedic treatment, veneer and precious metal materials used in any dental treatment; 2. Regarding Accident Dental benefit, treatment on the teeth which have been treated before or with crack, and treatment on injury caused by chewing food (even if due to foreign body). (V) Treatment items 1. Artificial organ materials, installation and replacement except for heart valve, artificial lens and artificial joints; 2. Medical expenses resulting from diseases when the Insured suffers from sexual transmitted disease, AIDS or inflected by HIV; 3. Elective Surgery and procedures treatment and/or surgery that is not medically necessary as defined by a qualified, licensed medical practitioner; including Laser eye surgery to correct vision; 4. Received in health hydros, nature cure clinics or similar establishments, or private beds registered as a nursing home attached to such establishments; 5. Milieu therapy for rest and/or observation; services or treatment in any long term care facility, spa, hydro clinic, rehabilitation institution, sanatorium or home for the aged that is not a hospital as defined in this policy; 6. Circumcision. (VI) Emergency Treatment 1. Treatment related to the condition that existed prior to arrival in the restricted area; 2. Treatment that could have been postponed until return from Restricted Area; 3. Treatment that has been planned in advance; 4. Treatment arising from circumstances that could have been reasonably anticipated by the Insured;

16 5. Complications or delivery that arising from pregnancy. The above exclusions only apply to the Emergency Treatment while the exclusions of the emergency treatment are not limited to above exclusions. (VII) Service Facilities and Medical Materials 1. Expenses occurred due to use of telephone, electric stove, and coal gas and insulated cabinet; 2. Expenses of processing Mortal Remains and freezing (liabilities specified in the Contract is not excluded); 3. Accompanied nursing and Companion-bed (liabilities specified in the Contract is not excluded), nursing staff, washing and costs which are not arising from diagnosis and treatment (such as wash basin, sanitary plastic and toilet tissue); 4. Assistant equipment for recovering treatment: orthopedic devices, hearing aids, glasses (unless specified in the Contract), artificial eyes and artificial limbs; 5. Self-using facilities for massage, healthcare and treatment: Neck collar, waist band, stomach care mat, kidney elevator, scrotal support, uterus support hernia truss, knee cap bandage, steel helm, orthopedic shoe, orthopedic devices, medicated strip, medicated pillow, crutch, wheelchair, massage machines, various facilities for magnetic therapy and appliance of testing and treatment for home using; 6. Customizing any vehicle, bathroom facility or residential facility; 7. Cost of all over the counter medical devices; 8. Prosthesis and corrective devices which are not medically required intra-operatively or equivalent appliances; except prosthesis or durable medical equipment used as an integral part of treatment prescribed by a physician. (VIII) Expenses of Drugs 1. Self-purchased drugs Self-purchased Drugs refers to the drugs purchased by the insured from pharmacies, supermarkets, pharmacies affiliated to the hospitals on his/her own, without the prescription from qualified Physicians; 2. All the OTC drugs; 3. Vitamins (except for those which is specified in the Contract), minerals, herbal paste and other nutritional and healthcare drugs; 4. Drugs prescribed by Physician but in excess of 90 days supply. (IX) Special medical expenses 1. Charges in excess of the usual and customary for any covered procedure; 2. The transportation expenses incurred when seeking medical treatment, but local ambulance and emergency medical evacuation specified in the Contract is not excluded; 3. Claims and costs for medical treatment occurring after the expiration date of the policy, including any portion of a covered prescription to be used after the expiration of the policy (except for those specified in the Contract). (X) Miscellaneous

17 1. Pre-existing conditions and diseases specified in the Contract; 2. For alcoholism, solvent abuse, drug abuse or addictive conditions of any kind and treatment of any illness or injury arising directly or indirectly from any such abuse or addiction; 3. Treatment resulting from self-inflicted injury and attempted suicide, or fighting, drunk, drug abuse or commit a crime; 4. The Insured participates in diving, parachute, rock climbing, bungee jumping, air glider, exploration activities, martial art competition, wrestling competition, acrobat performance, stunts, horse racing, motor racing, or any other high-risk sports; 5. Congenital malformations, deformations, or chromosomal abnormalities, (classification under ICD-10 announced by WHO); 6. Medical expenses that result from occupational disease and Medical Accident; 7. Medical expenses of traffic accident which incurred as a result of the Insured drives under the influence of alcohol; or without a valid driving license; or the vehicle does not have a valid license; 8. Nuclear explosion, nuclear radiation, nuclear pollution or chemical pollution; war, military action, riots or armed rebellion; 9. Insured who is hospitalized under false name, failed to meet the admission criteria, Registered But Not Physically Staying In Hospital, or remaining hospitalized while should discharge (all the medical expenses from the date of discharge which is determined by the hospital); 10. Any experimental treatments, i.e. treatments not recognized by scientific community or medical community

18 4. Service Guide 4.1 How to Use Direct Billing Service Direct billing service is available only for inpatient treatment within our network hospitals. (See appendix 1) Make the appointment with our network hospitals yourself, or call helpline *2 to make the appointment for you; Call *2 for pre-authorization; Show your passport and insurance card for direct billing within our network Confirm the expenses, sign and leave Please remember: The direct billing services will NOT be provided for medical exclusions, female maternity, health check, vision, dental, and vaccination services. If the mentioned items are covered in your benefits scheme, please submit the claim materials for afterwards claim (See 4.2). Treatment in all the legally licensed hospitals outside of our network also will be accepted but it need you to pay first and collect the materials back to claim Take passport and insurance card when going for treatment within our network providers so that the hospital could confirm your identity and provide direct billing service; For your children s appointment in mainland China, direct billing can be provided based on showing both the insured and his guardian s copy of passport When receiving treatment the hospital will base on your coverage limits or coverage ratio you may be asked to pay for corresponding amounts owed buy some of the hospital. You may have to wait while these checks are carried out, thank you for your cooperation. For self-payment carried out when receiving treatment you do not need to separately apply for claim reimbursement, you just need leave the claim form, medical diagnosis, expense list and receipt at the hospital for claim reimbursement. During our review of the claims, if we find that the hospital charges are not equal to the actual medical expenses payable by you, we will notify the hospital to refund the overcharged payment to you or collect the underpayment from you. Hospitals are not representatives of Ping An Health, their interpretation of your coverage may be incorrect, the claim result provided by Ping An Health will prevail. Please refer to appendix 1 for Network Provider list 4.2 How to Submit After Visit Claim Application For outpatient treatment, maternity, health check-up and any treatment outside of our network, you should pay out-of-pocket and send claim materials to us afterwards

19 Materials you have to provide: Claim application form (Please don t forget to sign at Applicant Signature ); Original official medical invoices, i.e. FAPIAO ; Copy of Valid Identification used for enrollment (First Claim); Copy of relevant medical document (Diagnosis written by doctor, medical report); Copy of out-patient visit record or physician s diagnosis; Copy of expense List of inpatient treatment; Copy of discharge summary of inpatient treatment; Copy of billing summary related to the above medical documentation Please provide the claim materials to the address: Receiver 张璐 RITA ZHANG Tel: +(86) F, 8-2 Gate, No.8 ChangShu Rd, Jingan District,, 中国上海静安区常熟路 8 号 8-2 门 9 楼平安健康 Notes: All the medical documents, bills and invoices should be matched and under the name of the applicant. For claims of prescription drugs in the pharmacy, diagnosis and prescription from doctor are needed Time Standard: If the facts are clear and documents are well prepared, we will close the case within 10 working days since we receive the complete materials, with transferring the money within 3 working days after closing the case into your bank account. In case of special claims, we will settle the claim within 60 days 4.3 How to arrange surgery in Thailand If you choose to take surgery or other inpatient treatment in Thailand, the airfare is also covered in the insurance plan. Please kindly follow the procedures as below: Make the appointment with our network hospitals in Thailand (See Appendix 3 for Thailand network list), or call *2 to make the appointment for you; Call *2 for pre-authorization; For direct billing service, our calling center may require your previous medical report; Book your flights (Flights must arrive in Thailand within a two-day period prior to admission and leave Thailand within a two-day period following discharge from hospital) Please kindly note: Restricted to one economy class return flight under the name of the client receiving the inpatient

20 treatment per policy year up to a maximum amount of RMB 6,000 Flight to Thailand is only eligible for inpatient treatment received within Ping An Health s Thailand network (See Appendix 3 for Thailand network list). Inpatient treatment preauthorization is required. Flights for accompanying family members are not covered Flights must arrive in Thailand within a two-day period prior to admission and leave Thailand within a two-day period following discharge from hospital The airfare is not eligible for Direct Billing. You can pay out-of-pocket and apply for claim afterwards. 4.4 Worldwide Emergency Assistance Our Worldwide Emergency Assistance provides you with peace-of-mind while you are traveling around the world (100km outside of your residence for periods not exceeding 90 consecutive days per trip). A 24-hour hotline is available for emergency assistance in cases of serious injuries or illnesses. Please refer to appendix 2 for detailed service issues

21 Appendix Appendix 1: Selection of Network Hospitals City Provider Address Specialities & Notes 上海交通大学医学院附上海市黄浦区瑞金二路 197 属瑞金医院特需中心 (3A) Rui Jin Hospital Affiliated to Jiao Tong University School of 号瑞金医院 9 号楼 2 楼 /38 号楼 2 楼 2/F,Buiding 9/Buiding 38,197 Ruijin Er Road,Luwan 内分泌科血液科肾脏科麻醉科普通外科消化科 EC/HEM/NEP/ANS/GS/GAS Medicine,VIP Dept District, 神经内外科皮肤科肾内科泌尿科内分科 ; 复旦大学附属华山医院国际医疗中心 (3A) Huashan Worldwide Medical Center, Affiliated to Fudan University 上海静安区乌鲁木齐中路 12 号门诊楼 8 楼 8/F Clinic Building,12 Middle Wulumuqi Road,Jing'ai District 日语服务 ; 24 小时急诊, 其中 10pm-8am 在综合楼 15 楼 ; NEU/NEUS/DERM/NEP/UR/EC ; Japanese service; 24-hour EMER. 10pm-8am at 15/F, Multifunction Bd. 上海瑞东医院 ( 瑞金医院浦东分院 ) 国际医疗部 (J) 上海市浦东新区锦绣东路日语服务 ;Japanese service Ruidong Hospital (Ruijin Hospital Pudong 120 号 2 楼 2/F, 120 East Jinxiu Road, 内科外科妇科儿科中医科 ;IM/GS/OB/PAE/TCM Branch) - International Pudong District, 24 小时急诊 ; 24-hour EMER. Department 复旦大学附属华东医院上海市延安西路 221 号 5 号消化科口腔科 ; 特需医疗部 (3A) Huadong Hospital, VIP 楼 2 楼 2/F,Buiding 5,221 West Yanan 日语韩语 GAS/DEN; Medical Center Road English Japanese Korean 上海交通大学附属第一人民医院国际医疗保健中心 (3A) No.1 People's Hospital International Medical Care Center, affiliated to Jiao Tong 上海虹口区九龙路 585 号国际医疗保健中心 1 楼 1st floor of International Medical Center,585 Jiulong Road,Hongkou District 眼科 Vision 泌尿外科妇科麻醉科 ; 有日语服务 ; OPH/UR Surgery/GYN/ANS; Japanese service available University

22 City Provider Address Specialities & Notes 上海交通大学附属第一人民医院南院国际医疗保健中心 (3A) 眼科 Vision 泌尿外科妇科 No.1 People's Hospital 上海市新松江路 650 号 1 楼麻醉科 ; International Medical Care 1/F,650 Xinsongjiang 有日语服务 ; Center (Songjiang Road,Songjiang District OPH/UR Surgery/GYN/ANS; Branch),affiliated to Japanese service available Jiao Tong University 上海交通大学附属仁济医院浦东分院高级专家门诊 (3A) Renji Hospital (Pudong Branch), VIP Dept.,affiliated to Jiao Tong 上海浦东新区北园路 33 号健保楼 3 楼 3/F,Jianbao Building,33 Beiyuan Road, Pudong District 消化科神经外科泌尿科 ; 基础英语 ; GAS/NEUS/UR; Basic English University 心血管内科骨科 ( 足踝 ) 妇上海同济大学附属同济医院特需门诊 (3A) Tongji Hospital, VIP Medical Center 上海普陀区新村路 389 号门诊 3 楼 3/F Outpatient Building,Tongji Hospital,389 Xinchun Road,Putuo District 产科 ; 基础英语 ; Cardiovasular medicne/orp(ankle)/ob/gyn ; Basic English 上海中医药大学附属曙光医院浦东分院特需中心 (3A) Shuguang Hospital (Pudong Branch), VIP Clinic, affiliated to 上海浦东新区张衡路 528 号贵宾楼 1 楼 1/F VIP Building, Shuguang hospital,528 Zhangheng Road,Pudong District 中医内科中医外科 ; 基础英语 ; TM; Basic English University of T.C.M 上海儿童医学中心特诊部 (3A) Children's Medical Center, Special Service Clinic 上海市东方路 1678 号门诊大楼 3 楼 3/F,Clinic Building,1678 Dongfang Road,Pudong District 小儿心血管内外科儿科 ; Infant Cardiology/PAE

23 City Provider Address Specialities & Notes 上海第一妇婴保健院南院 VIP 贵宾门诊 No.1 Maternity and Infant Health Hospital (South Branch) 上海市浦东新区耀华路 391 号门诊 5 楼 ( 近打浦路隧道浦东出口 )5F, 391 Yaohua Road, Pudong District 计划生育围产保健妇科 ; 英日陪诊 ; Birth control/perinatal health-care/gyn; Visit guide in English and Japanese 上海第一妇婴保健院东院特需门诊 No.1 Maternity and Infant Health Hospital (East Branch) 上海市浦东新区高科西路 2699 号门诊 4 楼 4F,Outpatient Department,No 2699,GAO Ke Xi Road,Pudong District, 计划生育围产保健妇科 ; 英日陪诊 ; Birth control/perinatal health-care/gyn; Visit guide in English and Japanese 上海第一妇婴保健院西计划生育围产保健妇科 ; 院 VIP 贵宾门诊上海市静安区长乐路 560 号英日陪诊 ; No.1 Maternity and Infant No 560,Chang Le Road, Birth control/perinatal Health Hospital (Pudong Jingan District, health-care/gyn; Visit guide Branch) in English and Japanese 儿科, 内科不提供预约复旦大学附属儿科医院上海市闵行区万源路 399 号 Paediatrics, no appointment 特需医疗中心 (3A) 3 号楼第一诊疗部 available for IM Children's Hospital of Fudan No.1 Clinic Area, Building 3, 24 小时急诊, 其中 16:30- 次 University - International 399 Wan Yuan Road, Minhang 日 8:00 在万源路 399 号 1 号 Clinic Center District, 楼 6 楼 11 病房内, 咨询电话 : 上海交通大学附属上海上海市北京西路 1400 弄 24 市儿童医院特诊部 (3A) 号 2 号楼一楼 Children's Hospital of 1st Floor,Building 2,No 儿科 PAE - Special Medical 24,Lane 1400, West Beijing Center Road, ( ) 上海逸仙医院 - 中山医院外宾部 Yixian Hospital 上海市徐汇区医学院路 111 号门诊 A 楼 10 号门 6 楼 6 Floor,Outpatient Building A,No 111, Yixueyuan Road,Xuhui District, 拨打平安热线预约 ; 客户预约需要提供姓名平安保险卡号及电话非指定专家预约需提前 7 个工作日, 指定专家预约需前天 10 个工作日

24 City Provider Address Specialities & Notes 普外科神经外科妇产科上海浦东新区浦南医院国际医疗中 (2A) Punan Hospital, International Medical Center (VIP Department) 上海浦东新区临沂路 219 号 17 楼 17/F, 219 Linyi Road, Pudong District 中医科针灸科骨科心内科 ; 日语服务 ; GS/NEUS/OB/GYN/TM/ACU/O RP/CAR Japanese service 特色科室 : 妇产科 / 儿科 ; Ob/Gyn/PAE 上海美华丁香门诊部 (P) American-Sino Ob/Gyn Service 上海华山路 800 弄 6 号群楼 3 楼 3/F, Podium Building 6, Lane 800, Huashan Road 服务语种 : 英语 ;English 医院设置 : 儿科只有门诊妇产科有门诊及住院部直接结算 : 儿科提供门诊直接结算, 妇科提供门诊住院直接结算, 产科生育不提供直接结算上海禾新医院 (F) Landseed Hospital 徐汇区钦江路 102 号 2 楼 ( 近虹漕路 ) 2/F, 102 QinJiang Road 特色科室 : 全科 ;GP 服务语种 : 英语 / 日语 ; English/Japanese 背景 : 台资医院上海爱尔眼科医院国际部 (F) Aier Eye Hospital, International department 虹桥路 1286 号 2 楼国际部 ( 近宋园路 ) 2/F International Department, 1286 Hongqiao Rd., Changning District, 特色科室 : 眼科 Vision;OPH 服务语种 : 韩语 ;Korean 上海同仁医院特需门诊长宁区仙霞路 1111 号新门诊妇产科眼科 Vision; (2A, 原上海长宁中心医院 ) 大楼 (3 号楼 )4 楼有英语日语韩语服务 ; Changning District 4/F, Clinic Building, 1111 GYN/DEN; Central Hospital, Special Xianxia Road,Changning English, Japanese, Korean Medical Service Center District service available 上海圣安儿科门诊部 (F) 上海市闵行区伊犁南路 85 号特色科室 : 儿科 ;PAE Sunshine Children's Clinic, 85 South Yili Road, Minhang 服务语种 : 英语 / 日语 ; District, English/Japanese 上海圣恩儿科门诊部 (F) Sunshine Children's Clinic, 上海市徐汇区永嘉路 718 弄 1 号 No 1, Lane 718, Yong Jia Road, Xuhui District, 特色科室 : 儿科 ;PAE 服务语种 : 英语 / 日语 ; English/Japanese

25 City Provider Address Specialities & Notes 上海圣欣门诊部 (F) Sunshine Children's Clinic, 上海市浦东新区长柳路 58 号 101 室 Room 101,No 58,Changliu Road, Pudong, 特色科室 : 儿科 ;PAE 服务语种 : 英语 / 日语 ; English/Japanese 上海全康医疗中心 (F) Global Healthcare Center 上海市静安区南京西路 1788 号国际中心 303 室 ( 近华山路 ) 3/F,No.1788 West Nanjing,Jingan District, 特色科室 : 全科 / 皮肤科 / 心脏内科 ;GP/DERM/CAR 服务语种 : 英语 / 日语 / 法语 ( 仅限全科和妇产科 ); English/Japanese/French 上海市浦东新区世纪大道上海众康医疗中心 (F) 100 号环球金融中心 212 室 Zhongkang 212 World Financial Center, 全科 ;GP medical center 100 Century Avenue,Pudong District, 上海市闵行区中医医院特需门诊 (2A) Minhang Hospital of Traditional Chinese Medicine - Korean Clinic (former Rhine 合川路 3071 号急诊楼 2 楼 2/F emergency building, 3071 Hechuan Road,Minhang District 特色科室 : 骨科 ( 脊椎及关节疾病 )/ 肛肠科 / 手外科 ; ORP/Anorectal/Hand surgery 服务语种 : 韩语 ;Korean Hospital) 上海诺美尔眼耳鼻喉科医院 (F) Nobel Eye and ENT 上海市新闸路 371 号 371 Xinzha Road 日语服务 ; Japanese service 五官科专科医院 ;ENT Hospital 上海交通大学附属第六人民医院国际医疗部 (3A) 上海徐汇区宜山路 600 号门骨科内分泌科耳鼻喉 Sixth People's Hospital, International 诊 13 楼 13/F Clinic Building,800 科 ; Othopaedics/EC/ENT; Medical Center, Affiliated to Yishan Road,Xuhui District 服务语种 : 英语 Jiaotong University 上海樱华门诊部 (P) Sakura Clinic 延安西路 2558 号综合康复楼 B 座 4 楼 ( 近水城南路 ) 4/F, Seat B, 2558 West Yan'an Road 特色科室 : 内科 / 耳鼻喉科 / 妇科 / 儿科 ;IM//ENT/Gyn/PAE 服务语种 : 日语 ;Japanese

26 City Provider Address Specialities & Notes 上海樱园门诊部 (P) Sakura Clinic - Garden 上海中医药大学附属曙光医院浦西分院名中医诊疗中心 (3A) Shuguang Hospital (Puxi Branch), VIP Clinic, affiliated to University of T.C.M 上海同济大学附属东方医院特需部 (3A) East Hospital of Tongji University,VIP Medical Center 上海瑞林诊所 (P) Green clinic 上海景康门诊部 (F) Jingkang Clinic 上海瑞和门诊部 - 莱佛士医疗中心 (F) Raffles Medicle Center 美国医学中心 (F) American Medical Center 虹桥路 2489 弄 200 号上海花园广场管理中心 2 楼 ( 近延安西路 ) 日语服务 ; Japanese service 2/F, No.200, Lane 2489, Hongqiao Road 中医内科中医外科 ; 上海黄浦区普安路 185 号基础英语 ; 185 Puan Road,Luwan District TM; 门诊 : 曙光大厦 1 楼 Basic English 浦东新区即墨路 150 号 ( 东方医院门诊大楼, 门诊地址 : 口腔科急危重病科急症 3 楼, 住院部地址 :12 楼右创伤外科妇产科心血管侧 ) 内科骨科 3/F&12/F, 150 Jimo DEN/OB/GYN/ORP/24-hour Road,Pudong District, EMER 仙霞路 88 号太阳广场东塔 1 全科 ;GP 楼 ( 近娄山关路 )1/F East Sun 日语 ;Japanese Plaza, 88 Xianxia Road 上海黄浦区打浦路 398 号 1 楼全科 ;GP 1/F, 398 Dapu Road,Luwan District, 上海虹梅路 1801 号凯科国际特色科室 : 皮肤科 / 儿科 / 妇科大厦二楼 2/F,Keiko / 口腔科 ;DERM/PAE/GYN/DEN International Building, 服务语种 : 英语 / 日 1801 Hongmei Road, 语 ;English/Japanese 上海市田林路 888 弄 1 号楼东骨科, 物理治疗 EAST BUILDING NO1.LANE888 Othopaedics,Physiotherapy TIANLING ROAD

27 City Provider Address Specialities & Notes 上海市长宁区延安西路 2558 上海德西门诊部有限公号 8 幢 B 栋 4 层西 5 层 5F, 特色科室 : 全科 / 心脏康复司 (F) 4F(W), Suite B Block 8, No. 科 ;GP/cardial rehabilitation DeltaWest Clinic 2588, West YAN AN Road 服务语种 : 英语 ;English Changning District Shangahi 上海博爱医院国际医疗服务中心 (P) Humanity Hospital 上海市淮海中路 1590 号 7 楼 7/F, No.1590 Middle Huaihai Road,Xuhui District 特色科室 : 儿科 / 妇科 / 内分泌科 / 肛肠科 / 肿瘤科 ; PAE/GYN//EC/Anorectal/ONC 服务语种 : 英语 ;English 上海百瑞肿瘤中心 (F) ProMed Cancer Centers 上海市淡水路 170 号 170 Danshui Road 放射科 RAD 上海市浦东滨江大道 2525 弄上海康威门诊部 (F) Neuglow Medical Center 25 号 C 栋别墅 Building C,No.25,Lane 2525,Reverier Avenue,Pudong 内科妇科中医科皮肤 ;IM/GYN/TCM/DERM/ 服务语种 : 英语 / 日语 ;English/Japanese District, 上海威瑞门诊部 (F) Healthway Medical Center 上海市浦东碧云路 1228 号 No.1228 Biyun Road,Pudong District, 全科妇科中医科 ;GP/GYN/TM 服务语种 : 英语 / 日语 ;English/Japanese Nanjing 南京市鼓楼医院著名专家会诊中心 (3A) Nanjing Drum Tower Hospital - Specialist Center 鼓楼区中山路 321 号, 门诊 4 楼 7 8 号挂号窗口 4th Floor, No 321, Zhongshan Road, Gulou District, Nanjing 骨科妇科免疫生殖中心 ORP,GYN,IMM,RSD Nanjing 南京市第一医院 (3A) Nanjing No 1 Hospital 长乐路 68 号 1 号楼 3 楼 3F,Building 1,No 68,Changle Rd 心内科,CAR 南京市建邺区莫愁湖东路 6 Nanjing 环球医生南京诊所 (F) Global Doctor Nanjing 号左邻风度花园 6 East Mochouhu Road, Jianye District, Nanjing (Next to 全科 ;GP Fengdu Garden)

28 City Provider Address Specialities & Notes 江苏省南京市建邺区河西大 Nanjing 南京明基医院国际部 (J) Nanjing BenQ Hospital 街 71 号 71 Hexi Street, Jianye district, / Nanjing Notes: Exceptional conditions are listed in note column. The letter following hospital name indicates the nature of hospital. (F: Foreign invested; P: Private owned; J: Joint venture; 2A: Public, Tier 2, Level A; 3B: Public, Tier 3, Level B; 3A: Public, Tier 3, Level A.) We will update the list on a regular base, you can visit Ping An official website, consult your service manager or contact our hotline to get the latest information and other area hospitals

29 Appendix 2: Worldwide Emergency Assistance Article 1: Definitions 1.1 "Terrorist actions" refer to actions taken by any individuals or groups for themselves or on behalf of any organizations and governments due to political, religious, political ideology and ethnic reasons, to impose influence on governments and to scare the public or some people, including but not limited to use or threat of use of force and violence. 1.2 "An authorized person" refers to the person appointed by Ping An Health Insurance Company of China, Ltd. in writing to perform this Agreement on behalf of Ping An Health Insurance Company of China, Ltd. and the Insured. 1.3 "Compulsory inclusion" refers to the assistance service provided by International SOS automatically where the service items are not optional. 1.4 "A home country" refers to the country of nationality. 1.5 "The country of permanent residence" and "the domestic land" refer to the territory of the PRC (excluding Taiwan, Hong Kong SAR and Macao SAR). 1.6 "A domicile" refers to the city of residence within the territory of the PRC (excluding Taiwan, Hong Kong SAR and Macao SAR) as finally confirmed by the insured and confirmed by Ping An Health Insurance Company of China, Ltd., and it refers to the city where the policy held by the Insured is issued by Ping An Health Insurance Company of China, Ltd. by default. 1.7 "Maximum compensation amount for assistance service" refers tothe maximum expenses that should be borne by International SOS for assistance services provided for an insured during any incident according to the Agreement. 1.8 "Services" refer to the medical and travel assistance services provided by International SOS as specified in Article 5 of the Agreement. 1.9 "Severe medical conditions" refer to the conditions which must be treated as an emergency in order to avoid the death of the insured or direct or long-term severe damage to the insured's health according to International SOS doctors advices. When judging whether patients are in severe medical conditions, International SOS's doctors will take account of the location of insureds, the natures of medical emergencies, andwhether it is possible to provide medical service and equipment at the location of incidence "Pre-existing conditions" refer to any medical conditions for which insureds receive inpatient treatment within the 12 months before the effective date of this service plan, or any medical conditions for which insureds receive diagnosis or treatment (including prescription medicines) in legal medical facilities within 6 months before the effective date of this service plan. This stipulation is not applicable to those who have already been aninsured of International SOS since the last year "Immediate relatives" refer to the spouse, parents (mother-in-law and father-in-law), children and their spouses, grandparents, maternal grandparents, grand children (maternal grandchildren) and their spouses, great grandparents and maternal great grandparents

30 1.12 "Third-party service providers" refer to any member in International SOS's service provider network. They are standalone service providers recommended by International SOS to customers, including but not limited to hospitals, clinics, etc. Such service providers are not employed or controlled by International SOS, but just one of the members who join in International SOS's third-party service provider network. Article 2: Qualifications 2.1 Unless otherwise stated by International SOS in writing, the upper age limit for the services listed in and is The International SOS services are provided on the basis of the compulsory inclusion as defined in An insured is eligible for service item 11 "arrangement of and payment for repatriation of mortal remains to the country of nationality" as listed in II "international medical assistance service" under "international medical and travel assistance service", when he/she travels outside his/her country of nationality for a trip of no more than 365 consecutive days. An insured is eligible for service item 9 "arrangement and payment for mortal remains repatriation to the place of residence" as listed under "domestic medical assistance service", when he/she travels more than 100km away from his/her residence within the territory of the People's Republic of China for a trip of no more than 365 consecutive days. 2.4 The insureds who travel outside their countries of nationality or countries of residence (the insureds are neither in their countries of nationality nor countries of residence) for no more than 90 consecutive days are entitled to all the international medical and travel assistance services specified in 5.4.1; the insureds who travel 100 kilometers away from their residences for no more than 90 consecutive days are entitled to all the domestic medical assistance services specified in Article 3: Geographic coverage of assistance services 3.1 International SOS shall provide services outside the territory of the PRC (including Taiwan, Hong Kong SAR and Macao SAR) according to hereof; International SOS shall provide services within the territory of the PRC (excluding Taiwan, Hong Kong SAR and Macao SAR) according to hereof. International SOS undertakes to do its best to provide services, but relevant local and/or global services shall be subject to the local and international acts. Where International SOS-related cases may not be processed unless relevant parties' authorizations are obtained, whether the authorizations can be obtained is not under International SOS's control. 3.2 International SOS shall do its best to provide services, but it may not be required to provide services for insureds in areas with war risks and areas where services cannot be performed for political reasons or force majeure. Based on the above reasons, International SOS will reserve

31 the right for not providing any service for any insured. Article 4: Limit on assistance services 4.1 International medical assistance (applicable to services set out in 5.4.1) On any accident, limit on assistance services are as follows: Emergency medical transfer, medical transfer to Up to USD1,000,000 for each time per time homelands or country of permanent residence, repatriation of remains to homelands or country of permanent residence Sending minor children back to their homelands or countries of permanent residence A single-trip economy class ticket for the minor child Visits by and accommodation of immediate A round-trip economy class airline ticket; relatives accommodation fee of up to USD250 per day and USD1,000 per event Hotel accommodation during recuperation Up to USD250 per day and up to USD1,000 per case Return to homelands or country of permanent A single-trip economy class ticket residence in emergency Immediate relatives' accommodation and funeral affairs handled by them A round-trip economy class ticket, boarding fee which is up to USD250 per day and USD1k per case Benefit limit on the assistance services provided Up to USD10,000 to any insured under any accident except for the above-mentioned emergency medical transfer, medical evacuation to place of residence and repatriation of mortal remains to place of residence. 4.2 Domestic medical assistance (applicable to services set out in 5.4.2) On any accident, limit on assistance services are as follows: Emergency medical transfer, medical transfer to Up to RMB6,500,000 per time country of permanent residence, repatriation of remains to country of permanent residence Sending minor children to country of permanent residence A single-trip economy class ticket for the minor child Visits by and accommodation of immediate A round-trip economy class ticket; relatives accommodation fee up to RMB

32 Hotel accommodation during recuperation Emergency return to country of permanent residence Immediate relatives' accommodation and funeral affairs handled by them Transportation fee for escorts in emergency Benefit limit for the assistance services provided to any insured under any accident except for the above-mentioned emergency medical transfer, medical evacuation to place of residence and repatriation of mortal remains to place of residence. Accommodation feeup to RMB3,000 A single-trip economy class ticket A round-trip economy class ticket, accommodation fee of RMB3000 or below Transport fee incurred by one immediate relative or appointed agent of the customer under emergent medical escort is up to RMB10,000. Up to RMB65, Arrangement of and payment for repatriation of mortal remains to the country of nationality/the place of residence For service item 11 "arrangement of and payment for repatriation of mortal remains to the country of nationality" as listed in II "international medical assistance service" under "international medical and travel assistance service", the limit of the assistance service for any insured in any accident is as follows: Arrangement of and payment for repatriation of mortal remains to the country of nationality Up to USD100,000 per time For service item 9 "arrangement and payment for mortal remains repatriation to the place of residence" as listed under "domestic medical assistance service", the limit of the assistance service for any insured in any accident is as follows: Arrangement and payment for mortal remains repatriation to the place of residence Up to RMB600,000 per time 4.4 Compassionate emergency visit Costs you have to pay for an economy class return ticket from a country within your area of cover to visit a close family member, if their medical condition results in them being placed on a critical list, or their death. You are limited to one return journey in each plan year

33 Article 5: Description of services 5.1 International SOS shall maintain the verified latest information of the service providers at any moment. International SOS shall regularly review and update the information related to name, address, specialty, working time and proficiency in language. International SOS shall guideservice providers to report the newly acquired relevant information as soon as they receive it, including the service quality, new address and telephone number list and updates. For theinsured's inquiries, the insured will get the latest information about the service providers and their services. 5.2 Ping An shall provide 7*24 services in Mandarin and English to the insured via its emergency center in Beijing. 5.3 Where the informationcan be provided immediately, International SOS shall provide the insured with appropriate services by phone. Under all other circumstances, International SOS will try its best to provide services in the quickest way. 5.4 International SOS shall provide the following services to all the qualified insureds as stipulated in Agreement who call International SOS as per the agreement: International medical and travel assistance services (I)International Travel Assistance Service 1. Travel consultancy Before and during a trip, the insured can contact International SOS to obtain the following information: Passport and visa requirements Local requirements on and demand for vaccination Weather Local languages Exchange rate 2. Information about embassies and consulates International SOS can provide the telephone numbers and addresses of embassies and consulates of China in destination countries as well as the telephone numbers and addresses of embassies and consulates of the destination countries in China. 3. Assistance in finding delayed or lost luggage In the event that the insured's luggage is delayed or lost during his/her commercial flights, International SOS can introduce relevant organizations, such as airline companies and the customs, to the insured to help them find their luggage. 4. Assistance in the event of passport loss In the event that the insured's important identity certificates, such as a passport and traveling certificate, are lost or stolen during overseas travel, International SOS can provide the insured with the information about procedures for re-issuance of the

34 certificates and introduce appropriate departments or organizations to the insured for re-issuance. The expenses incurred shall be borne by the insured. 5. Rearranging travel plan In the event that the insured fails to continue his/her trip according to the original travel plan due to emergencies, International SOS can assist the insured in rearranging the flights, hotels and travel plans. The expenses incurred shall be borne by the insured. 6. Emergent interpreting services via telephone/introducing local interpreting services In case of emergencies during the overseas travel, the insured can call International SOS to access a brief emergent interpreting service via telephone for free. International SOS can also introduce a local interpreter to the insured by providing the interpreter's address, phone number and working hours, but the expenses for hiring the interpreter shall be borne by the insured. 7. Emergent legal assistance When required by the insured, International SOS can introduce local law firms to the insured and even assist in bailing. The expenses incurred shall be borne by the insured. 8. Urgent message and document delivery In the event that emergent injuries and diseases happen to the insured or his/her relatives, the insured or the relatives can request International SOS to notify his/her relatives or the insured him/herself of the emergencies as soon as possible. As required by the insured, International SOS will facilitate the delivery of urgent documents to the insured's relatives, friends or colleagues. The expenses incurred shall be borne by the insured. 9. Assistance in arranging hotel accommodation In the event that the insured needs the company of his/her relatives or friends when hospitalized overseas, International SOS can arrange the accommodation in local hotel for the relatives or friends. The above-mentioned services are based on assistance or referral, so International SOS will not bear any third-party expenses. All third-party expenses shall be paid by the insured. (II)International medical assistance service The following services are accessible only when accidents or sudden diseases happen to the insured in countries other than home country or country of residence. 1. Medical consultancy by phone When the insured gets ill or encounters a medical emergency during the overseas trip (in countries other than home country or country of residence), he/she can call International SOS to obtain the medical consultancy service from International SOS's doctors

35 * The nature of the medical consultancy service provided through the hotline is only provision of consultancy opinion whose aim cannot be interpreted as a request for the insured to carry out or abandon any medical action. However, International SOS shall perform the duty of care and stick to professional code of ethics. * This service should not be regarded as phone diagnosis, 120 or 911 services. 2. Medical institution recommendation Upon the request of the insured and on the basis of his/her health conditions, International SOS may recommend local medical institutions that can meet treatment requirements and are certified by International SOS and/or have partnership with International SOS. Information provided include names, address, telephone number, expertise, working hours and other information about doctors, hospitals, clinics, dentists, etc. 3. Assistance in and arrangement for hospitalization According to the insured's physical health condition, International SOS can assist the patient in seeing doctors at local medical facilities (doctors, hospitals, clinics, dentists, etc) that meet treatment requirements and are certified by International SOS and/or have partnership with International SOS. In case the insured is seriously ill, International SOS will assist in arranging the in-patient treatment for the insured. 4. Hospital admission deposit guarantee and/or advance payment and track, observation and monitoring of the treatment during the hospital stay Where the insured needs to receive inpatient treatments due to some disease or accident when traveling in country other than home country or country of residence, upon the requirement of the insured, International SOS will guarantee the relevant medical expenses incurred by the insured during the hospital stay. The premise for International SOS to provide the finance guarantee for the insured is that: International SOS obtains the adequate assurance for the financial payment from the credit card of the insured or the relatives of the insured in advance. International SOS will not bear the tax generated by the issuance of service invoice for such service and the tax shall be borne by the insured. Under the premise that International SOS provides hospital admission deposit guarantee for the insured, and the confidentiality and authorization conditions are met, International SOS doctor, where possible, will contact the attending doctor of the insured, track and supervise the treatment provided for the insured during the hospital stay. Where possible, International SOS will try its best to assist the insured in obtaining the medical report, discharge summary, bills, receipts and other documents so as to facilitate the claim of the insured. 5. Hotel accommodation during recuperation If the insured's attending doctor and a doctor of International SOS both agree that it s medically necessary for the insuredto recuperate locally after being discharged from the

36 hospital, International SOS will arrange the insured's accommodation in a local ordinary hotel for recuperation immediately after discharge. International SOS will pay for room fee for at most 4 consecutive days (USD250 or less per day). 6. Medical translation services International SOS can provide the insured with medical translation servicesvia phone. 7. Arrangement and payment for emergent return to home country or country of residence In case of the death of the insured's direct relatives, if the insured is traveling abroad (emigrants excluded) and needs to return to home country or country of residence urgently, International SOS can arrange for the insured s return and will pay for one economy class single-trip ticket. 8. Arrangement and payment for emergency medical transfer When it is medically necessary and as long as International SOS can help, International SOS can arrange for the delivery of medicine, drugs and medical supplies that are necessary for the insured's nursing and treatment and that are unavailable at the place where the insured stays. The delivery of medicine, drugs or medical supplies should comply with the local laws and regulations, and the expenses of these products and delivery fees shall be undertaken by the insured. 9. Arrangement and payment for emergency medical transfer When the insured is traveling abroad, in the event that he/she is badly ill and International SOS doctors judge that local hospitals cannot provide proper treatment, International SOS shall arrange necessary communication and transportation tools as well as medical escort to transfer the insured to the nearest hospital that can provide proper medical treatment and health care services. The hospital is not limited to domestic ones. International SOS is to pay necessary transport expenses related to the emergent medical transfer and supplementary expenses incurred during the process of services. Since SOS is responsible for expenses related to medical transfer, International SOS shall have the right to make following judgments and decisions: 1. Whether the insured's conditions are so critical that emergent medical transfer is required. 2. SOS also reserves the right to decide the transfer destination and transfer method according to all the evaluated fact and condition known by then, including but not limited to whether sufficient and necessary treatment can be provided by the medical facility at the initial treatment place or whether the treatment can be postponed till the insured returns to home country. International SOS's judgments or decisions should be agreed by the insured or the insured's family members, or implemented when the insured or the insured's family

37 members understand risks. 10. Arranging and paying for emergency medical transfer to home country or country of residence After the insured receives International SOS's emergent medical transfer, admission and initial treatment service outside the home country or country of residence, and when doctors of International SOS judge that medical transfer back to home country or the country of residence is medically appropriate, International SOS will arrange and pay for flight or other proper transportation to send the insured to home country or country of residence for treatment. International SOS will provide proper communication and language translation support, mobile medical equipment, wheelchair, stretcher and other supplementary devices, and/or professional nursing staff. 11. Arrange and pay for mortal remains transportation to home country or country of residence When the insured travels outside of his/her home country or country of residence and dies from an accident or a sudden acute disease, International SOS will, as required by the insured or his/her direct relatives to arrange and pay for the returning of mortal remains or bone ashes to home country or country of residence, or funeral in places where the insured dies. Coffins or bone ash boxes must meet the requirements of international air transportation. The subsidies mentioned above do not include graveyard, rituals, flowers, farewell ceremonies, and other unnecessary items. 12. Arrange and pay for the visit and accommodation of direct relatives If the insured is hospitalized for over seven continuous days when traveling outside the home country or country of residence alone and needs his/her direct relatives to visit, International SOS can arrange one round-trip ticket of economy class for one direct relative of the insured between home country or country of residence and the hospital where the insured is hospitalized, and arrange and pay for the accommodation. International SOS will pay up to 250 US dollars for the visiting direct relatives accommodation per day and the total payment for each case cannot exceed 1,000 US dollars. The expenses exclude foods, drinks, communication and other service fees. * International SOS does not promise that the direct relative can acquire the visiting country's visa, and the expenses for visa and other related expenses other than the above mentioned expenses are to be undertaken by the insured. 13. Arrange and pay for minor children's transportation to home country or country of residence In the event that the insured s accompanying child/children under 16 years old (16 included) is/are not taken care of due to any accidental injury, acute illness, emergent

38 medical transfer or death of the insured, International SOS will arrange and buy a single-trip economy-class ticket of the nearest trip for the child/children to return to the home country or country of residence. The original ticket should be given to International SOS for further handling. Where necessary, International SOS will arrange for escort to accompany the child/children and pay for the expense. 14. Arrangement and payment for transportation of a direct relative to handle post-death affairs If the insured dies outside the home country or country of residence due to accidental injury or acute illness, International SOS will arrange one round-trip economy-class flight ticket from the home country or country of residence to the place where the insured dies for one of the insured's direct relatives or designated agent to handle funeral affairs. International SOS will also arrange and pay up to 250 US dollars for local accommodation per day and up to 1000 US dollars for each event. The expenses exclude foods, drinks, communication and other service fees. 15. Emergent oral message delivery In case of insured s emergency or injures/illness, International SOS can inform the insured's relatives and/or the employer as soon as possible in according to the requirement. Notes: (i)the above service 2-3 and 8 are based on assistance of arrangement and recommendation, International SOS will not pay for any third-party expense. All the third-party expense and relevant service expense will be paid by the insured. (ii) As for service item 4, International SOS will not undertake any hospitalization expenses and expenses for the third party, all in-hospital expenses and expenses for the third party will be undertaken by the insured. (iii)the above service items 5, 7 and 9-14 are subject to limits defined in No.5 clause in this Agreement as well as exclusions in No.8 clause. (iv)if the above service item 9 and 10 involving International SOS' negligence during the transfer, Section 18.1 in the Agreement shall be followed Domestic medical assistance 1. Medical consultancy by phone When an insured gets ill or encounters a medical emergency during a domestic trip, he/she can call International SOS to obtain medical consultancy from International SOS's doctors. * The nature of this service provided through the hotline is only consultancy provision which cannot be explained as a request for the insured s adoption or abandonment of any medical practice. However, International SOS shall be prudent and stick to professional

39 ethics when the medical consultancy is provided. * This service should not be regarded as phone consultation, or 120 or 911 services. 2. Introduction to and recommendation of medical facilities Where an insured feels bad or falls ill during a domestic travel, International SOS may, according to the insured's requirements and health conditions, introduce and recommend local medical facilities (hospitals, clinics, dentists, etc., including their names, addresses, telephones, specialties and working hours) that best meet medical treatment requirements, and have been reviewed and recognized by and/or have cooperative relations with International SOS. 3. Assistance in and arrangement for hospitalization International SOS can assist patients in seeing doctors at the local medical facilities (hospitals, clinics, dentists, etc., including their names, addresses, telephones, specialties and working hours) that best meet medical treatment requirements, and have been reviewed and recognized by and/or have cooperative relations with International SOS. If the insured is seriously ill, International SOS will assist in arranging in-patient treatment for the insured. 4. Guarantee and/or advances of inpatient medical expenses, and tracking and monitor of treatment progress during a hospital stay Where an insured needs to receive inpatient treatment due to diseases or accidents when traveling in his/her home country, upon the requirement of the insured, International SOS will guarantee the relevant medical expenses incurred by the insured during hospitalization. International SOS provides the financial guarantee for the insured under the premise that: International SOS needs to obtain adequate guarantees for payment from the credit card or the family member(s) of the insured in advance. International SOS will not bear the tax incurred due to issuance of the invoice for such a service, and the tax shall be borne by the insured. When International SOS guarantees inpatient expenses for the insured,international SOS doctors, without prejudice to non-disclosure and authorization requirements, will contact the attending doctor of the insured, and track and monitor the inpatient treatment where possible. Besides, International SOS, where possible, will try its best to assist the insured in obtaining the medical report, the discharge summary, bills, receipts, etc. so as to make it convenient for the insured to lodge claims. 5. Post-discharge recuperation and accommodation Where the insured's attending doctor and the doctor of International SOS agree that

40 the insured needs to recuperate locally after discharge when it is medically necessary, International SOS will arrange for the patient to live in a standard local hotel for recuperation after discharge and will bear the accommodation expense of up to RMB 3,000 in total. 6. Urgent return to the place of residence for post-death affairs of direct relatives Where an insured is informed of the death of an direct relative when he/she is outside of his/her country of residence and needs to return immediately, International SOS will arrange the repatriation and will cover the airfare of a single-journey economy-class flight or necessary expenses for other means of transportation. 7. Arrangement of and payment for emergency medical evacuation If an insured is severely ill when traveling in the home country, and a doctor of International SOS judges that the current hospital cannot provide proper treatment, International SOS will make arrangements to transfer the insured, by air, land or water, to the nearest domestic hospital that can provide proper medical services. International SOS should pay necessary transportation expenses related to the medical transfer and the supplementary expenses incurred due to arrangement of this service. Since International SOS is responsible for paying expenses related to medical transfer, International SOS has the right to make judgments and decisions on the following: 1. Whether the insured's disease is so critical that emergent medical transfer is required. 2. The transfer destination and the transfer method based on all the evaluated known facts, including but not limited to whether the medical facility at the initial treatment place can provide sufficient and necessary treatment, and whether the treatment can be postponed until the insured returns to the home country. However, the preconditions for International SOS's judgments or decisions are that the insured or the insured's family members agree to them, or the risks have been made known to the insured or the insured's family members. 8. Arrangement of and payment for medical transfer to the place of residence After an insured receives emergency medical assistance and is hospitalized for preliminary treatment, International SOS will arrange a regular flight or other appropriate means of transportation to transfer the insured to his/her place of residence for further treatment if International SOS doctor judges that the transfer is medically necessary. International SOS will provide proper communications support, mobile medical apparatuses, wheelchairs, stretchers and other auxiliary equipment, and/or professional nurses. International SOS shall pay necessary traffic expenses related to the medical transfer and accessorial charges usually incurred during this service arranged by International SOS

41 9. Arrangement of and payment for mortal remains repatriation to the place of residence Where an insured dies from an accident or a sudden disease during his/her domestic travel, International SOS will, as expected by the insured or his/her direct relatives, arrange and pay for mortal remains repatriation to his/her place of residence or a burial at the place where the insured died. Specifications of coffins/bone ash boxes must be in line with air transport standards. The above-mentioned benefits do not include graveyard purchase, a religious ritual, flowers, a farewell ceremony, or any other unnecessary benefits. 10. Arrangement of and payment for the visit and accommodation of direct relatives If the insured is hospitalized for seven consecutive days or above during his/her unaccompanied domestic travel and needs his/her direct relatives' visits, International SOS can arrange and pay for a round-trip economy-class air ticket for such a direct relative s travel between the relative s domicile to the hospital where the insured is hospitalized, and also arrange and pay for the relative s accommodation in the area where the hospital is located. The upper limit for accommodation expense per accident is RMB3,000 excluding expenses incurred due to food, drinks, communications and other services. 11. Arrangement of and payment for minor children's return to the place of residence In the event that a minor children under or at the age of 16 who are traveling together with adult insureds and left unattended due to accidental injury, acute disease, emergent medical transfer or death of the adult insureds, International SOS will help the minor children go back to their place of residence and cover corresponding transportation fees. Where necessary, International SOS will arrange escort to accompany the customer back to the country and pay for the expense. 12. Arrangement of and payment for transportation of a direct relative to handle post-death affairs In the event that an insured died from an accidental injury or acute illness during a domestic trip, International SOS will arrange and pay for one round-trip economy-class flight ticket for one direct relative or appointed agent of the customer to travel from his/her place of residence to the place of accident to handle post-death affairs. International SOS will also arrange and pay for lodging in local places. The limit for lodging expense per event is RMB The expenses exclude foods, drinks, communication and other service fees. 13. Transport expenses for escorts under emergencies International SOS will arrange and cover the transport expenses of escorting by one direct relative or appointed agent of the customer for emergency medical service, subject to a maximum limit of RMB10,000. Where International SOS has already borne the round-trip air ticket, train ticket or ship ticket for the relative's visit to the customer, the expenses

42 under this item will not be covered. 14. Emergent oral message delivery In case of emergency or injures/illness on an insured, International SOS can inform his/her relative and/or employer of the condition as soon as possible as requested. Notes: (i) International SOS selects third-party service providers prudently, but it cannot guarantee the service quality from the third-party service providers. (ii) The above service items 2 and 3 are just assistance of arrangement and introduction, International SOS will not pay any third-party expenses. All third-party expenses shall be borne by the insured. (iii) For service item 4, International SOS will not undertake any inpatient medical expenses or third-party expenses, and all such expenses shall be undertaken by the insured. (iv) Limits for assistance service in the above service items 5 to 13 are subject to the limits for assistance service stipulated in Article 5 hereof, and the exclusions in Article 8 hereof shall be met. (v) Service item 7 and service item 8 mentioned above shall be subject to Article 18.1 hereof if International SOS commits a negligent act(s) during the transportation. 6. Exclusions 6.1 Unless International SOS has given prior written approval and PAH or the user has paid relevant expenses, the expenses incurred due to the following treatments, items, conditions, activities and other expenses relevant to or indirectly related to them belong to exclusions. (1) Any assistance expenses arising from the customer's pre-existing conditions; (2) Any assistance expenses not included in the service plan of International SOS, expenses without prior written approval of International SOS, and/or expenses arising from emergency medical assistances that are not arranged by International SOS; This exclusion does not apply to cases where customers cannot notify in advance or effectively contact International SOS for the emergency medical transfer in remote and backward regions and where delay of such transfers may be life-threatening or have other adverse effect. (3) Any emergency assistance events occurred in the user's country of nationality or residence (applying to under this Agreement), or emergency assistance events occurred in the user's place of residence (applying to under this Agreement) (4) Any assistance expenses incurred due to the fact that the user leaves their country of nationality or country of residence for travel overseas (applicable to under this Agreement) or leaves the domestic place of residence (applicable to under this Agreement) for travel regardless of the doctor's advices; assistance expenses arising from travels aiming at gaining access to medical treatments or travels aiming at further rehabilitation or rest for previous accidental injuries, diseases

43 or pre-existing conditions. (5) Any assistance expenses for customers without severe medical conditions, and/or can be properly treated in local places or can wait until the return to their country of nationality or residence (applicable to under this Agreement) or to domestic place of residence (applicable to under this Agreement) to receive treatments as advised by International SOS doctors; (6) Any assistance expenses incurred when a user insists on having assistance while he/she can behave like a normal traveler and does not need medical escort in accordance with International SOS doctors' opinions; (7) Any expenses arising from any treatment related to childbirth, miscarriage or pregnancy. This is not applicable to any abnormal pregnancy or pregnancy complications occurring within the first 24 weeks of pregnancy and severe enough to endanger the mother's and/or the fetus's lives (8) Any assistance expenses arising from the accidents and injuries of users for participation in caving, mountaineering, rope-or-guide-based rock climbing, potholing, skydiving, parachuting, bungee, ballooning, gliding, deep-sea dive wearing the protective helmet equipped with the air hose, martial arts, rallying, and various contests other than racing, and any competitive sports organized by professional teams or initiators; (9) Any assistance expenses arising from emotion disorders, intellectual or mental diseases; (10) Any assistance expenses arising from self-inflicted injury, suicide, drug addiction or abuse, alcohol abuse and sexually transmitted diseases; (11) Any assistance expenses arising from acquired immunodeficiency syndrome (AIDS) or AIDS-related diseases; (12) Any assistance expenses incurred by the user for riding flights other than regular commercial flights or aircrafts specially permitted to rent and traveled on approved route as a passenger; (13) Any assistance expenses arising from users' engagement in or attempts to engage in any illegal activity; (14) Any assistance expenses arising from medical treatments and/or advices that are provided by an unregistered medical service provider and not in line with the national standards; (15) Any assistance expenses arising from customers' enrollment in any active duty army or the police of any country; any assistance expenses arising from customers' voluntary participation in wars (whether declared to other countries or not), invasions, operations involving enemy states, confrontations, civil wars, insurrections, riots, revolutions or uprisings; (16) Any assistance expenses arising from use or threat of nuclear weapons/equipments, chemical weapons, or biological weapons, including but not limited to in terrorist activities or wars; (17) Any assistance expenses arising from work or activities on vessels, offshore drilling platforms or other similar offshore facilities; (18) The user aged above 70 when asking for assistance services; (19) Any assistance expenses directly arising from nuclear reaction or radiation For the above exclusions, the emergency assistance company will not provide medical assistance

44 services unless receiving extra financing or repayment guarantee offered by Ping An or the user. Such medical assistance services will be charged according to the service contents. Appendix 3: Thailand hospitals list 1 Bangkok Hospital 2 SoiSoonvijai 7,New PetchburiRoad,Bangkok Thailand 2 Bangkok Hospital Chantaburi 25/14 ThaluangRoad,Watmai, Mueang,Chanthaburi Thailand 3 Bangkok Hospital Chiang Mai 88/8 Moo 6, TumbolNong Pa Khrang,AmpherMuang Chiang Mai, Chiang Mai,Thailand Bangkok Hospital Hat Yai 75 Soi 15, PetchakasemRoad,Hatyai, Songkhla 90110,Thailand 5 Bangkok Hospital HuaHin 888 PhetchakasemRoad,HuaHin 77110,Thailand 6 Bangkok Hospital Pakchong 5/1 MitraparpRoad,APakchong,Nakhonratchasima 30130,Thailand 7 Bangkok Hospital Pattaya 301 Moo 6, Sukhumvit Road (km 143),Naklua, Banglamung,Chonburi 20150,Thailand 8 Bangkok Hospital Phuket 2/1 HongyokUtisRoad,Muang, Phuket Thailand 9 Bangkok Hospital Prapadaeng 288 Moo 1, Suksawat Road, Pakklongbangplakod,Prasamutjadee,Samutprakarn 10290,Thailand 10 Bangkok Hospital Ratchasima 1308/9 MitrapapRoad,NaiMuang, NakhonRatchasima (Korat) 30000,Thailand 11 Bangkok Hospital Rayong 8 Moo 2, SoiSaengchanNeramit,Nernpra, Rayong 21000,Thailand 12 Bangkok Hospital Samui 57 Moo 3, ThaweeratPhakdeeRoad,Bophut, KohSamui,Suratthani 84320,Thailand 13 Bangkok Hospital Trat/Koh 376 moo 2 SukhumwitRoad,Wangkrajae, Muangtrat, Trat. Chang Clinic 23000,Thailand 14 Bangkok Hospital Udon 111 ThongyaiRoad,Markkaeng, Muangdistrict,Udonthani province 41000,Thailand 17 Bumrungrad International 33 Sukhumvit Road 3,Wattana,Bangkok 10110,Thailand Hospital ; ( 中文 Chinese)