YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE

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1 Raffles Health Insurance Pte Ltd (Company Registration No: G) 133 Middle Road Bank of China Plaza #02-00 Singapore General services: +44 (0) Medical related enquiries: +44 (0) Your calls may be recorded. Bupa Global Victory House Trafalgar Place Brighton BN1 4FY UK Your international group membership offers you: Global medical plans for individuals and groups Assistance, repatriation and evacuation cover 24-hour multi-lingual helpline bupa-intl.com YOUR LIFELINE GUIDE TO A HEALTHIER FUTURE Administered by Insured by SGP-LIFE-SALE-1407v1.1

2 WE CARE, WHEREVER YOU ARE Whether you re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that comes from knowing that your medical needs are protected and you have access to the appropriate treatment avaailable, whenever and wherever you need it. IF YOU D LIKE TO FIND OUT MORE ABOUT LIFELINE a member of our team would be delighted to help. You can speak to us on between 8.30am and 5.30pm SGT Monday to Friday, except public holidays or visit Raffles Health Insurance Pte Ltd ( RHI ) (Company Registration Number: G) is the insurer and Bupa Global, the trading name of Bupa Insurance Services Limited, is the administrator of the RHI international health insurance plans in Singapore. This is only product information provided by Raffles Health Insurance Pte Ltd. You should seek advice from a qualified adviser if in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance future healthcare needs. This brochure is not a contract of insurance. The standard terms and conditions of this plan are provided in the relevant policy contract. Details are correct at the time of printing and may be subject to change in future. Naturally, you want a flexible and comprehensive plan, giving you and your family instant access to an expert team of people who understand your situation and treat you with respect and compassion every time you contact them. So if you re looking for a flexible international health insurance plan that will offer you excellent cover and service, choose Lifeline. This policy is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites ( or or 2 3

3 WHY CHOOSE LIFELINE? Raffles Health Insurance Pte. Ltd. ( RHI ) is a leading healthcare insurance specialist offering high quality healthcare financing solutions for both Individual and Corporate clients. RHI is a life insurance company regulated by the Monetary Authority of Singapore and is a wholly owned subsidiary of the Raffles Medical Group, a leading integrated healthcare services company in Singapore. Raffles Health Insurance Pte Ltd has partnered with Bupa Global to bring you Lifeline, insured by RHI, and administered by Bupa Global. You have the reassurance of knowing that your health insurance is being looked after by both a healthcare specialist and an experienced award winning provider. As the administrator of your plan, Bupa has offices in the UK, Hong Kong, Thailand, Saudi Arabia, India, Australia, USA, Denmark, Egypt, France and Spain, and a wide international network of business partners. As a member you can be treated in any one of 7,500 participating hospitals and clinics worldwide, or in any recognised hospital or clinic of your choice. From the moment you call to pre-authorise your treatment, Bupa Global will be there for you every step of the way. They will even help you locate the closest suitable hospital and make appointments for your treatment on your behalf so you can focus on getting better. In fact, Bupa Global pride themselves on offering you the highest standard of service. They have multi-lingual, medically trained staff who can speak to you on the telephone 24 hours a day, ready to help with any health-related questions or concerns you may have. You can also speak to an adviser whenever you need to using webchat, an instant messaging service with which Bupa Global can answer any of your questions. With a wealth of local knowledge and expertise on hand 24/7, you can be sure that whenever you need them, we will be there to help. At a glance Over 7,500 participating hospitals and clinics worldwide The Bupa Group is a healthcare insurance specialist and has members in 190 countries You choose where you want to be treated either in a network or any recognised hospital or clinic worldwide 4 5

4 FLEXIBLE COVER TO SUIT YOUR NEEDS We understand that everybody has a different budget and requirements. That s why our Lifeline plan has three levels of cover Essential, Classic and Gold as well as options for extra international assistance and a choice of deductibles. A choice of three levels Gold This provides our highest level of cover for Health advice is just one call away with Healthline Freedom of choice with Worldwide Medical Assistance Cover Optional cover in the USA We understand that many people do not need both in-patient and out-patient care. In addition, Should you or a member of your family become ill If you think that your circumstances might require medical insurance for the USA, so you can choose Gold also covers family doctor treatment and in the middle of the night, you will be able to pick additional medical assistance eg you live in a whether you want to include it. Unfortunately, we any prescription medication you may need, up the phone and speak to a medical professional. remote part of the world or somewhere with cannot offer Lifeline to anyone who is normally as well as accident-related dental treatment. All three Lifeline plans give you round-the-clock limited medical facilities, you can select one of the resident in the USA. Maternity cover, home nursing and a range of four preventive health checks are also included in this comprehensive plan. access to worldwide medical advice with Healthline. Our in-house multi-lingual medical assistance team is ready to give you general following two options for Assistance Cover: Evacuation If you are concerned about the Lower your premium with deductibles healthcare advice, information about local medical quality of local medical care, this is ideal. If the You can keep your premiums at a level you can Classic Our classic level is designed to cover facilities, medical referrals and travel advice. treatment you need is not available locally, we will manage by opting to take an annual deductible. you and your family for any specialist medical arrange for you to be evacuated to the nearest Choose to pay the first USD 200, USD 500, USD treatment or diagnosis. You will be covered for centre of medical excellence, no matter where you 1,000, USD 2,000 or USD 4,000 of your claims in-patient hospital stays as well as out-patient are in the world. for that year; the higher the deductible, the lower consultations, treatment such as physiotherapy your premium. You will only need to pay this and a range of preventive health checks. Repatriation Our highest level of Assistance deductible if you make a claim. cover also gives you the choice of returning to Essential This level concentrates on covering you your home country (if treatment is not available See our membership pack for full terms for in-patient hospital stays. You have the security locally), to be treated in familiar surroundings, and conditions. that you ll be covered for treatment you may near your friends and relatives. If this happens, you receive as an in-patient or as a day-case patient. can choose to have someone to accompany you for your visit back home if necessary. 6 7

5 HOW WILL YOU BENEFIT? We pride ourselves on offering you the highest standard of service. We have multi-lingual, medically trained staff who can speak to you on the telephone 24 hours a day, ready to help with any health-related questions or concerns you may have. You ll find all the important numbers you might need on your personalised membership card. So you ll only ever be one phone call away from our specially trained team of multi-lingual professionals, who are ready to offer help and advice. Bupa is a worldwide name Your plan administrator, Bupa, has offices in Hong Kong, Thailand, Malta, Spain, Saudi Arabia, Egypt, USA, Denmark and Australia and representatives in many other countries who have in-depth local knowledge of the different care available. Choice, flexibility and ease With Lifeline, you can choose to be treated in any recognised hospital or clinic in the world, as well as our comfortable, well-equipped network of over 7,500 participating hospitals and clinics worldwide. Simply get in touch to let us know if you need treatment, and we will confirm or pre-authorise your treatment, offering help and advice where required. We can usually settle bills direct with the hospital or clinic, so that you don t have to pay upfront or worry about too much paperwork. Individual online access for members It s easy to find advice and information with our confidential Members-only website. From the comfort of your own home, you can look at your membership pack and certificate, download claim forms and other useful documents, track the status of your claims*, find useful medical information and tips about living and travelling abroad. You can also contact us by phone, or through Webchat on MembersWorld where you can instantly communicate with our team. *MembersWorld may not track claims in the USA as we use a third party here. 8 9

6 LIFELINE POLICY SUMMARY The following pages contain details about the cover that we can offer you. You can ask for the full rules, including the general terms and conditions and all exclusions and benefit limits please call us for a copy. The cover of the policy The Lifeline plan is a private health insurance policy for those who require international cover. About this cover Cover is subject to acceptance by RHI and is provided under the rules and tables of benefits of the Lifeline plan contract. Cover may be subject to any special conditions or exclusions imposed by RHI. Benefits will vary depending on the level of cover you choose. The provider Lifeline is insured by RHI and administered by Bupa Insurance Services Limited, a subsidiary of the British United Provident Association Limited. Other services are provided by or via other subsidiary companies. The length of the policy Lifeline policies are of 12 months duration. We send renewal information one month before the renewal date. Please contact us if you need to cancel your cover during the term of the contract. 28 day cancellation policy As soon as we accept you as a member of the Lifeline plan, we will send you a copy of your membership pack which clearly explains the rules and benefits of the plan

7 WHAT WILL YOU BE COVERED FOR? What is covered? This plan covers you for the costs of active treatment as per the full terms and conditions of your plan. This means treatment of a disease, illness or injury that leads to your recovery, conservation of your condition, or to restore you to your previous state of health as quickly as possible. This includes both acute (diseases, illnesses or injuries that respond to medical care without the need for long term or prolonged treatment) and chronic (diseases, illnesses or injuries that are permanent, come back or are likely to continue indefinitely) conditions. we pay all eligible qualifying hospital treatment and accommodation bills, up to the yearly maximum per person in addition to these, we can also cover out-patient treatment, accident-related dental treatment, maternity costs, wellness checks (after one year of membership) and family doctor treatment, dependent on the level of cover purchased Please see the benefits table for detailed information about the benefits available for the different levels of cover. For full details, please refer to the membership pack. What is not covered? There are certain circumstances that we do not cover. Some of these are explained below: you are not covered for pre-existing conditions - ie any condition that you have when you join, or which you have suffered from in the past and which may recur we also exclude congenital conditions - ie any condition present at, or before, birth. Treatment needed for congenital conditions immediately following birth are covered for the first 90 days you are not covered for preventive treatment you will not be covered for treatment in the USA, unless you have specifically purchased USA cover we have made special arrangements in the USA. For daycase, MRI, CT, PET scans, in-patient or cancer treatment in the USA you should pre-authorise your treatment. If you pre-authorise your treatment and choose to go outside the network then we can only reimburse 80 percent of your treatment costs. If you do not pre-authorise your treatment then we can only reimburse 50 percent of your treatment costs. Please let us know if you need treatment so that our you are covered for both emergency and - ie treatment for a condition when no team can confirm your cover non-emergency treatment cancer treatment is covered in full you are covered for psychiatric conditions (after two years membership) symptom is present (unless otherwise covered by the Wellness benefit on the Classic and Gold levels of cover) Please note that there may be exceptions to these exclusions. For full details, please refer to the membership pack, under What is not covered? you are covered for sports injuries you are not covered for physiological you are covered for drug treatments for HIV/ changes - ie naturally occurring conditions AIDS up to USD 20,000 per year (after five caused by puberty or ageing years membership) dependent on the level you are not covered for health hydros/nature of cover purchased cure clinics you are covered for hospice and palliative you are not covered for elective cosmetic care eg medication to help you remain surgery/treatment comfortable up to USD 41,

8 COMPARISON OF BENEFITS Please note: This table provides a high-level summary only about the types of cover provided on the different plan levels. Benefit limits and exclusions may also apply. Please ask your sales adviser for further information. LIFELINE ESSENTIAL LIFELINE CLASSIC LIFELINE Out-patient treatment Out-patient surgical operations Wellness mammogram, PAP test, prostate cancer screening or colon cancer screening (after one year s membership) Physiotherapy, osteopathy and chiropractor treatment Costs for treatment by therapists and complementary medicine practitioners Consultants fees and psychologists fees for psychiatric treatment (after two years membership) Pathology, X-rays and diagnostic tests Consultants fees for consultations Costs for treatment by a family doctor Prescribed drugs and dressings Accident-related dental treatment In-patient and day-case treatment Hospital accommodation Surgical operations, including pre- and post-operative care Nursing care, drugs and surgical dressings Physicians fees Theatre charges Intensive Care Pathology, X-rays, diagnostic tests and therapies Prosthetic implants and appliances Parent accommodation Psychiatric treatment (after two years membership, lifetime maximum 90 days) Further benefits Advanced imaging Cancer treatment Healthline services HIV/AIDS drug therapy including ART (after five years membership) Home nursing after in-patient treatment Hospice and palliative care In-patient cash benefit Local air ambulance Local road ambulance Maternity cover (after 10 months membership) Newborn care Prosthetic devices Rehabilitation Transplant services Optional benefits (if purchased) USA cover Assistance cover (Evacuation and Repatriation) GOLD 14 15