HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.

2012 Asia care 2013 TAILOR-MADE HEALTHCARE INSURANCE SOLUTIONS FOR ASIA HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.

MSH INTERNATIONAL is a world leader in the design and management of international healthcare solutions. We are specialists in international health insurance for individuals & groups worldwide. 35 years experience in international healthcare solutions > 1 of the top 5 leaders for international health insurance worldwide 5 regional headquarters: Bangkok, Calgary, Dubai, Paris, and Shanghai 275,000 insured members across more than 194 countries WHY INTERNATIONAL HEALTH INSURANCE? Prevent high or even unaffordable medical fees Unexpected medical events such as accidents and surgeries can happen anytime anywhere. Joining an international health insurance program guarantees you will get coverage when faced with expensive medical bills. Provide fully comprehensive coverage Apart from major medical risks, your regular health needs, such as prescribed medicines, dental care and vision care will also be provided. 12 sales offices Protect you and your family now: don t wait With our 3 Asia regional headquarters, we are always close to you. Don t wait until you or your family suffer from a medical condition, then it may be too late to get covered by insurance. It is best to take the safe path and get healthcare coverage now, especially with rising medical costs. Peace of mind whenever, wherever CALGARY TORONTO PARIS LYON BEIJING Choosing the right international health insurance provider guarantees you ll always get the best possible healthcare from top private or public hospitals worldwide. Premium services HOUSTON ABU DHABI DUBAI CHENGDU BANGKOK WUHAN SHANGHAI Leading international health insurance providers, such as MSH INTERNATIONAL, have their own network of medical providers worldwide; they can advise, coordinate and follow up in order to help you access the best healthcare services. Plans for expatriates International health insurance providers, such as MSH INTERNATIONAL, offers healthcare plans for expatriates who are usually not covered by national health plans. Payment without trouble With the right international health insurance provider, such as MSH INTERNATIONAL, you get the advantage of direct billing and therefore you do not have to pay upfront for medical expenses. WHEREVER YOU ARE IN ASIA, WE RE JUST A MOMENT AWAY Direct billing is a cashless payment process in which health insurance companies establish agreements with medical providers so that the insured member can receive medical services without having to pay upfront or make claims afterwards. 1 2

9 KEY REASONS TO CHOOSE MSH INTERNATIONAL 1. 2. 3. 4. 5. 6. 7. 8. 9. Global expertise combined with premium local services Over 35 years of experience in international health insurance High-quality services with true local understanding ISO 9001 certified in 4 of our regional headquarters We are close to you 3 regional headquarters in Asia (Bangkok, Shanghai, Dubai) out of 5 headquarters worldwide Administration center in Bangkok, Thailand, provides you with full support across Southeast Asia Extensive medical network 750,000 medical providers worldwide, including 5,000 hospitals and clinics outside the USA Direct billing agreements with hospitals in our selected network - you do not have to pay upfront for medical expenses Always available to help 24-hour assistance Regional contact numbers Online services In-house multicultural medical teams in 4 continents Quick access to the best medical resources wherever and whenever you need 2 nd medical opinion from medical experts Fast & convenient claims process Submit claims online with status tracking Claim reimbursements in 150 currencies within 5 days Direct billing with many medical providers means you often do not need to claim Service excellence Experienced multicultural teams of 45 nationalities with more than 30 languages spoken Asian hospitality with international professionalism Efficient and responsive to all your needs Unique culture of continuous improvement We find solutions for you: we review your medical history in order to design the best solutions for YOU We keep our promises 24/7 hotline service Transparent and trustworthy WE HELP YOU ACCESS THE BEST MEDICAL RESOURCES WHEREVER AND WHENEVER. Free Call Online 3 4 sea.msh-intl.com

Asia care PLANS DESIGNED FOR EXPATRIATES PRESENCE IN ASIA COMBINED WITH LOCAL UNDERSTANDING Asia Care plans are tailor-made for expatriates of any nationalities living outside their countries of origin: Individuals or families Employees of small and medium enterprises Expatriates: Their stories I m a retired restaurant owner from France. I have decided a few years ago to move permanently to Vietnam as I have married a Vietnamese woman and we ve just had a baby together. With Asia Care, I know my family in Vietnam will be fully covered. I also love the fact that I can schedule a visit to my favourite doctor for my cardiovascular condition during my annual summer vacations in Paris! I come from Malaysia but currently live and work as an engineer in Phuket, South of Thailand. Every weekend, I usually go back to Kuala Lumpur to visit my friends and family. So I need a plan which will allow me to schedule visits with my trusted doctor back home in KL. Asia Care does just that. It also allows me to schedule visits to the doctor everywhere I go in Southeast Asia during my frequent business trips and yet it is so affordable. My husband is on work assignment in Thailand and I have recently followed him from Scotland. Since then, we ve been enjoying our vacations throughout Asia, and with Asia Care, we never have to worry about not getting medical assistance. Although I still prefer my treatments in Bangkok hospitals, it s always a peace of mind to know we ll also receive top healthcare services elsewhere in Asia. ASIA AT HEART Asia Care plans meet the needs of any expatriates living in Asia and are relevant to the region s medical costs and resources. Furthermore, our presence in Asia, combined with our local understanding, guarantee we are always there to give you quality services and care whenever you need. Highly relevant medical coverage for Asia Premium local services Comprehensive benefits Always near you (3 regional offices in Bangkok, Shanghai and Dubai) Managed by highly-qualified teams of local and international professionals Once a year we usually travel to the U.S. to visit our relatives. Although this is outside Southeast Asia, we know we are always covered for emergencies 5 6

BENEFITS AT A GLANCE HOW TO CHOOSE YOUR PLAN VITAL HARMONY OPTIMUM ASIA CARE plans provide you with comprehensive benefits with top-service guarantees. We recommend that you choose the plan most appropriate for your needs based on overall coverage and levels of benefits. VITAL ESSENTIAL PROTECTION FROM THE HIGHEST RISKS If you re looking to cover the highest medical risks that require hospitalisation, Vital is the plan for you. Apart from the comprehensive in-patient benefits, we also provide you with full coverage for cancer as well as maternity & childbirth benefits. HARMONY BALANCED PATH FOR HIGHER COMFORT AND CARE Harmony gives you the essential in-patient benefits, but has the additional advantages of out-patient benefits including routine health checkups, prescribed medicine, dental care, maternity & childbirth benefits as well as higher level of reimbursements. OPTIMUM SUPREME PROMISE OF TOTAL COVERAGE Optimum is the right choice for anyone seeking truly comprehensive coverage, from hospitalisation to out-patient care including dental, vision, and psychiatric treatment as well as maternity & childbirth benefits. Compared to other available plans, Optimum also offers the highest level of reimbursements. Explanations In-patient benefits are provided for a person admitted to hospitals and occupies a bed overnight or longer for medical reasons. Congenital anomalies are defects that are present at birth. Outpatient benefits are provided for a person who attends a hospital, consulting room, or out-patient clinic and is not admitted as a Day-Patient or an In-Patient. All Asia Care Plans include medical evacuation and repatriation 7 8

FYI HOW TO CHOOSE YOUR ZONE Choose between zone 1 & 2 based on: Wherever you may go in the world you will be covered for services and supplies required as a result of an accident or medical emergency for 60 days per trip your country of residence most frequently visited countries FYI 1. We advise you to choose your zone according to where you would like to receive medical treatment, regardless of your country of residence. You can, for example, choose zone 2 even though you reside in zone 1, so that you can schedule visits to your favourite doctor who works in zone 2. 2. To be eligible for Asiacare plans, you must reside in one or more countries in zone 1 or zone 2 for at least 180 days per year. I live in Malaysia but I choose zone 2 to be fully covered in Hongkong, China and Singapore where I often visit relatives Zone 1 : Bangladesh - Bhutan - Brunei - Burma/Myanmar - Cambodia - East Timor - India - Indonesia - Laos - Malaysia - Maldives - Nepal - Pakistan - Philippines - Sri Lanka - Thailand - Vietnam Zone 2 : Countries in Zone 1 including China - Hong Kong - Japan - Macau - Mongolia - South Korea - Singapore - Taiwan Includes Belgium France Germany Luxembourg Netherlands for stays of less than 90 days. Includes Belgium France Germany Luxembourg Netherlands for stays of less than 90 days. 9 10

GEOGRAPHICAL AREAS OF COVERAGE 11 12

FYI Contact us anytime via our website to find out more about these benefits ASIA CARE BENEFITS sea.msh-intl.com Find out more about the eligible benefits by reviewing the table of benefits below. The table of benefits below describes the eligible benefits depending on the plan you choose. These benefits are expressed per annual year, per insured person and are subject to limits: 13 14

15 16 TABLE OF BENEFITS

SIMPLE-TO-USE INNOVATIVE TOOLS Discover our practical & time-saving online services. After the successful application of your membership, you will receive your Welcome Package containing all relevant information including member s card, insurance certificate, member s handbook as well as access to our online services. OUR COMMITMENTS Our international team is available for you at any time. Whatever questions or needs you may have, our multicultural team is ready to respond in the shortest time in order to provide the best solutions and services for you. Access our online services from our website: sea.msh-intl.com to view your policy and manage your account. Here are some of the benefits of our online services: 17 18

MEDICAL EVACUATION / REPATRIATION Medical evacuation and repatriation Medical evacuation and repatriation are important benefits that will support you through emergencies, accidents, and serious illnesses. Our 24/7 services are exclusively provided for MSH INTERNATIONAL s members. With just one phone call, we will be right by your side in the shortest time. HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER. The medical evacuation coverage of Asia Care is provided & managed by Mondial Assistance (Allianz Group) 19 20

HOW TO APPLY It only takes a few quick-and-easy steps to apply for our plans. You can either choose to apply online or by post: Useful Tip Call us or chat with us online. We can assist you throughout the application process. Apply Online Go to our website: sea.msh-intl.com Choose and simply follow the steps to get your quote Once you are satisfied with the quote, choose Submit then Apply Now Enter you and your family s personal details, contact information and medical questionnaire. *Read our Terms & Conditions and submit your application.* How to Pay Online: Once your application has been submitted, you will receive an email with the instructions on how to pay for your premiums online. By Post: Please fill in & sign the Credit Card Authorization section in the application form. This allows us to automatically deduct the payment of your premiums from your account. Apply by Post Prepare related documents, please refer to the checklist in the application form. Send the application form and related documents to: Final step of the application Once your application has been approved and finalized, you will receive a Welcome Package consisting of: Enrollment, MSH INTERNATIONAL Unit 901, 9th Floor Park Ventures Ecoplex 57 Wireless Road, Lumpini Pathumwan Bangkok 10330 Thailand Personalized member s card Member s Handbook 21 22

1. Who can apply? Expatriates of all nationalities between 18 and 65 years of age (expatriates over the age of 65 are not eligible for coverage unless they are accepted into the healthcare plan prior to their 65th birthday). FAQs 8. When does my coverage begin? Your coverage begins on the date you are accepted into our insurance. This means your benefits can apply immediately after we have received your payment and approved your application and medical questionnaire. Local nationals may not apply as the principal planholder. Nonetheless, they may apply as dependants. All applicants must fill out a medical questionnaire. In some cases, we may request additional medical information. 2. What are the conditions of residence? After membership acceptance, waiting periods, as listed in the table of benefits, may be applied if you do not previously hold a similar insurance. This means that, for a period of time, there will be no coverage for particular benefits. However, you will still be covered from the first day of membership acceptance - in case of hospitalisation following an accident or unexpected illness. 3. Can groups apply? What are the conditions? Yes, corporate groups between 3 and 49 employees are eligible to apply. All expatriate employees of a corporate group must be under 65 years of age upon enrolment date, and must be actively at work. The spouse and children of expatriates can also enroll as dependents for group coverage. For non-corporate groups or corporate groups of 50 persons and more, please contact our sales team for more details. Medical history: All corporate groups of 3 to 9 employees will be required to fill in medical questionnaires. However, this prerequisite does not apply to corporate groups of 10 to 49 employees. Applicants must reside in one or more of the Asian countries listed in the geographical areas of coverage (zone 1 & 2) for at least 180 days per year depending on the chosen area of coverage. 4. How much does it cost? Premiums (the cost of the insurance policy) can be found in the table of premiums attached to the application form. Alternatively, you can visit our website at sea.msh-intl.com and choose get a quote to get a price of the most suitable plan for you. 9. What is the currency of the policy? The currencies of this policy are either the US dollar ( $) or, the British pound ( ) or the Euro ( ) depending on the currency chosen upon enrollment. 10. Can I add more people to the policy? Yes. You may add: 1. Spouse - must be legally married, in civil partnership or permanently living in a similar relationship with the eligible member. 2. Dependent children - including the eligible member s own children, legally adopted children, step-children, foster-children and any other child who depends on the sole support of the eligible member. Eligible dependent children must also live with the eligible member in a customary parent-child relationship. Conditions of age for all dependent children: Children under the age of 18 must be unmarried. Children between the age of 18 and 24 must be unmarried, in full time education, and depend solely upon the eligible member s expatriate s support. Newborn children must be enrolled within 30 days after the date of birth. 7. What are the methods of payments? 5. Are people with pre-existing conditions covered? Those who are aware of pre-existing medical conditions may apply. 6. What is the minimum membership period? Any contract is signed for a minimum duration of 12 months. 11. WHAT WE DON T COVER There are some medical events that we do not cover. We believe they do not diminish the benefits of our plans and by excluding them we can make the plans more affordable for everyone. We urge you to find out more from our website: By excluding unnecessary risks (e.g. consequences of alcohol consumption) or expenses which are incurred due to personal preferences (e.g cosmetic treatment) medical costs can be minimized; thus ensuring the long term stability and affordability of our plan for all our members. sea.msh-intl.com/asiacare/exclusions You may pay for the premiums yearly, every six months, every 3 months, or monthly via our secure website or by phone with one of our trusted managers. 23 24 For more information, please contact one of our representatives: sea.msh-intl.com

MSH INTERNATIONAL partners with leading insurers worldwide. The health care benefits of Asia Care are insured by Hauteville Insurance Company Limited (Allianz Group) The medical evacuation coverage of our plans are provided by Mondial Assistance (Allianz Group) MSH INTERNATIONAL is a world leader in the design and management of international healthcare solutions with over 275,000 insured members across more than 194 countries and 2,000 corporate clients. MSH INTERNATIONAL is the healthcare partner for internationally mobile people worldwide: We operate any time of day, anywhere in the world, and always with a keen sense of premium customer service. HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER. 25 26 sea.msh-intl.com

Do not hesitate to contact us wherever you are MSH INTERNATIONAL SEA Administration Center Unit 901, 9th Floor Park Ventures Ecoplex 57 Wireless Road, Lumpini Pathumwan Bangkok 10330 Thailand Tel : +662 665 3636 sales@sea.msh-intl.com Free call online: sea.msh-intl.com MSH INTERNATIONAL has its global headquarters in Paris, France: 18 rue de Courcelles 75384 Paris Cedex 8