HOSPITAL, OUTPATIENT & EMERGENCY MEDICAL PLAN

MAXIMUM BENEFIT  FOR ANY ONE DISABILITY AND SEQUELAE

Covers normal, usual and customary charges for:

Room and Board

US $ 1,000,000

Semi- Private in E.U. Countries/HK/N.America/Switzerland (Private Room option)

or

Private in other countries

US $ 2,000,000

Private

Parent Accomodation

An extra bed in the same room for a parent accompanying an insured child under 12 years of age

Intensive Care Unit, Coronary Care Unit and Operating Room

Surgeon's Fee

Includes pre-surgical assessment and normal post- surgical care

Organ Transplant

Fees for kidney, heart, liver and bone marrow transplants (up to 50% for donor and the remaining percentages for recipient, at the option of the Insured Person) to a total of

This benefit is a lump sum maximum per organ and no other policy benefits are payable in respect of Organ Transplant

US $ 200,000

US $ 200,000

AIDS

Coverage will apply when signs or symptoms present for the first time after 5 years continuous coverage under the policy and any renewal thereof, with  lifetime limit of

US $ 100,000

US $ 100,000

Anaesthetist's Fee                                                                                              100%                                          100%

Private Nurse Fee

When cerified necessary by the attending physician (at home for up to 30 days immediately after hospitalization)

100%

     100%

Miscellaneous Inpatient Charges

For required diagnostic laboratory fees, x-rays, prescribed medicines; prefessional fees; blood and plasma; wheel chair rentals; outpatient surgery; surgical appliances and devices; and intra-operative standard prosthetics (as approved by the Company)

100%

100%

Hospice Care

For terminal illness with lifetime limit of

Maternity Benefit

Maximum limit per pregnancy after a 12- month waiting period (90 days for miscarriage and therapeutic abortion) up to

US $ 5,000

US $ 6,000

Medical Check-up

Annual limit for routine medical check-ups

Psychiatric and Mental Disorders

Hospital charges of US$5,000 per year with lifetime limit of

US $ 10,000

US $ 10,000

Accidental Damage to Teeth

Emergency treatment for up to 7 days following accidental loss or damage caused to sound natural teeth

100%

100%

Outpatient Benefit

Physician and specialists' fees for office visits; physiotherapist, chiropractor and acupuncturist when referred by the attending physician; and, for required diagnostic laboratory fees, x-rays and prescribed medicines

100%

100%

     Alternative Medicines (as part of  "Outpatient Benefit")

     Consultation fees for homeopath, bonesetter, herbalist and      Chinese medicine practitioner; and prescribed herbs up to an      annual limit of

Emergency Room Treatment and Emergency Local Ambulance Service

24- Hour Emergency Assistance Services and Emergency Medical Evacuation Service

        Additional Travel Expenses ( Following Evacuation)

        One economy class airline ticket to return an Insured Person         to the country of residence

ADDITIONAL BENEFIT PLANS

Dental Benefit

80% reimbursement up to an annual limit of

Vision Benefit

80% reimbursement for eye examinations and prescription lenses annually for each Insured Person (this option is only available to groups of 21 or more people with 100% of the group participating) up to

(US $ 500 option)

US $ 500

Personal Accident Benefit

Covers loss of life, loss of one or both hands, or feet, loss of vision in one or both eyes, or permanent and total disability caused directly and solely by accident.

(Maximum benefit is US $ 100,000 after age 65 and coverage is terminated after age 75. Child benefit limits are US $ 10,000 to US $ 50,000)

US $ 100,000 for an adult/ Us $ 10,000 for a child (with added load for class 2 and 3)

(US $ 110,000 to US $ 500,000 option)

Included

Travel Benefit

Covers the following eligible expenses worldwide when travelling outside your country of residence in trips lasting up to 90 days:

     Emergency Medical Expenses - covers illness or injury      including

   "Emergency Evacuation" - (up to US $ 25,000) with a maximum     of US $ 300 per day for hospital room and board which is     doubled when the room fee includes medical service costs and     tripled when the room fee also includes all professional services;     and "Get You Home Benefit" - covers the additional cost of     your own travel and accomodation necessarily incurred as a     result of a covered disability to get you back home.

   Baggage Delay- covers purchase of essential clothing and     toiletries if your checked baggage is delayed on arrival at your     destination for over 12 hours upto

   Personal Money - covers theft, burglary and robbery of cash,    bank notes and travellers checks up to

   Hospital Cash Income- pays US $ 50 per day for each day    you are hospitalized over 24 hours up to

   Travel Delay - Covers transportation expenses incurred as a    direct consequences of travel delay resulting from serious    weather conditions, industrial action, hijack, mechanical    derangement if an Insured Person has to re-route his trip due to    cancellation of a prior confirmed booking; or "Cash Allowance"    -pays US $ 25 for each full 12 hours delay up to a maximum of    US $100

   Curtailment of Trip & Cancellation Charges- covers    irrecoverable prepaid travel arrangement deposits and any    incresed cost of travel in the event of death, serious injury or    illness of the Insured Person, immediate family members or close    business partner or travel companion of the Insured Person,    witness summons, jury service, compulsory quarantine, natural   disasters at the planned destination or complete destruction   of   the Insured Person's principal residence.

  Optional Rental Car Protection- Covers loss and damage   occurs to a rental car result directly from fire, theft, collision or   vandalism. Deductible: US $ 250

Note: "100% herein means full reimbursement of the normal, usual and the customary charge in accordance with the eligible room type or other localized circumstances or customs.