HOSPITAL & EMERGENCY  MEDICAL PLAN

MAXIMUM BENEFIT  FOR ANY ONE DISABILITY AND SEQUELAE

DEDUCTIBLE (per person per year)

Covers normal, usual and customary charges for:

Room and Board

US $ 250,000

(US $ 1,000,000 option)

US $ 1,000

(US $ 2,500 & US $ 5,000 option)

Semi-private up to US $ 350 per day

(Option to increase up to US $ 1,000 per day)

( Private in Indonesia, Malaysia, Philippines & Thailand)

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 for each operation as per Surgical Schedule up to

US $ 30,000

(US $ 50,000 option)

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 $ 100,000

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

Private Nurse Fee

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

     100%

Miscellaneous Inpatient Charges

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

100%

Hospice Care

For terminal illness with lifetime limit of

Psychiatric and Mental Disorders

Hospital charges with lifetime limit of

US $ 5,000

Accidental Damage to Teeth

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

100%

Follow- up care

For up to 90 days of normal care immediately after hospitalization. Outpatient physician, specialist, physiotherapist and acupuncturist when certified medically necessary by the attending physician,; and , for required diagnostic laboratory fees, x - rays and prescribed medicines

US $2,500

Emergency Room Treatment and Emergency Local Ambulance Service

100%

24- Hour Emergency Assistance Services and Emergency Medical Evacuation Service

Included

       Additional Travel Expenses ( Following Evacuation)

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

Dental Benefit:

80% reimbursement up to an annual limit of

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 an 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)

Travel Benefit

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

(Option)

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 accommodation necessarily incurred as a result of a covered disability to get you back home

Baggage and Travel Documents: Covers loss and damage of baggage and personal items including laptop computer; and loss of travel documents up to

Baggage Delay: Covers purchase of essential clothing and toiletries if your checked baggage is delayed on arrival at your destination for over 12 hours up to

Personal Money: Covers theft, burglary and robbery of cash, bank notes and traveller's checks up to

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

Travel Delay: Covers transportation expenses incurred as a direct consequence of travel delay resulting from serious weather conditions, industrial action, hijack, mechanical derangement if an Insured Person has to re-route his trip due cancellation of a prior 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.