As the headquarters of ihi Bupa are moving from Denmark to the UK on 2nd December 2009, at that time the named insurer on your insurance policy, which is currently the Danish branch of Bupa Insurance Limited (called Bupa Denmark, filial af Bupa Insurance Limited, England) will revert to its UK parent company, Bupa Insurance Limited.

Your insurer will not be changing as both Bupa Insurance Limited and the Danish branch are parts of the same company.

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First ChoiceValid from 2009 - USD/EUR/GBP

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ihi Bupa – your business partner

Insurance guideihi Bupa – Your business partner

First Choice A product tailored to your needs

Product StructureModule overview

Module description

Special Services24-hour service

Personal service team

Wellbeing University

Online services

Application and Renewal Application process

Medical underwriting

Payment

Renewal

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Our experience shows that long-term illness may

have serious financial and social consequences.

At ihi Bupa, we put your health first by offering you

the best suited insurance plan and advising you

on health and wellbeing.

ihi Bupa – a company you can trustWe have built up a global network of business

partners and well-respected medical consultants.

We are regulated by the strict standards set by the

Danish and UK Insurance Authorities (FSA) and the

European supervisory authorities.

ihi Bupa is a part of the worldwide health and care

organisation Bupa International, which has over

35 years’ expertise in caring for the healthcare

needs of expats, local nationals and their families

around the globe.

Covering almost 800,000 people in 190 countries,

Bupa International is the largest international health

insurer in the world, providing quality individual

and group medical cover to people who are in their

home country or living abroad.

Have you ever thought about what would happen to your family, career and financial situation if you had an unexpected illness?

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First Choice is a product for companies providing

the highest quality health insurance for their

employees.

We have developed First Choice to reflect the

different costs of health care worldwide, but at

the same time made it as simple as possible.

The premiums are based on the location of

your employees, but they are free to choose to

receive treatment anywhere in the world (with the

exception of the high cost areas USA, Canada, Hong

Kong, China and Switzerland – unless you choose to

pay worldwide premium).

First Choice is the first truly flexible international

health insurance for small and medium sized

companies. ihi Bupa has created an insurance with

a modular structure enabling the company to select

exactly the cover needed for their employees.

This includes different benefits, deductibles and

underwriting models. With First Choice, you will find

several benefits, which differentiate our product in

the market:

First ChoiceA product tailored to your needs

z Flexibility.

z Option to cover pre-existing diseases.

z Cover for congenital, hereditary, and chronic

diseases.

z Free choice of hospitals, clinics, doctors and

specialists according to the cover chosen.

z Guaranteed renewal of the group policy.

z No co-insurance applies.

z Both business and leisure activities are covered

– including professional sports.

z No exclusion for innocent bystanders in war or

terrorism situations.

z Organ transplants covered without any sub-limit up

to the overall annual insurance sum of the policy.

Today, ihi Bupa is recognised as the market leader in unrivalled international health insurance for individuals. Over the years, companies from all over the world have asked for a plan with the same high quality of service and benefits known from other ihi Bupa products.

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Mandatory module

Optional modules

Module overview:

Product structureFlexibility is everything

Module 6Dental & Optical

Module 5Rehabilitation & Nursing

Module 4Medical Evacuation

Module 3Medicine & Appliances

Module 1Hospitalisation & Inpatient Treatment

Module 2Outpatient Treatment

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The following provides an overview of each module – please see the List of Reimbursements for full details.

Module description:

Module 1: Hospitalisation & Inpatient Treatment

The Hospitalisation & Inpatient Treatment module

is mandatory. It provides 100% cover for e.g.

surgery, chemotherapy and organ transplant.

This mo d ule also provides full cover for any

emergency treatment and cover for expenses in

connection with childbirth. Expenses are covered

up to the overall annual insurance sum of the

policy: USD 1,800,000, EUR 1,500,000 or

GBP 1,000,000.

Module 2: Outpatient TreatmentOutpatient Treatment covers treatment such as

general practitioners and specialist consultations

100% up to the specified maximum amounts.

This module also covers prenatal and postnatal

treatment. The overall annual maximum for

this module is USD 35,000, EUR 29,000 or

GBP 20,000.

Module 3: Medicine & AppliancesMedicine and appliances such as slings, bandages

and hearing aids are covered 100% up to the

specified maximum amounts. The overall annual

maximum for this module is USD 1,000, EUR 800

or GBP 550.

Module 4: Medical Evacuation*Medical Evacuation covers transportation to an

appropriate place of treatment if the employee has

a serious illness or injury. For instance, we will cover

expenses for transportation by aeroplane or helicopter.

The cover also includes expenses for an accompanying

person. Expenses are covered up to the overall annual

insurance sum of the policy. Medical Evacuation must

be pre-approved by ihi Bupa.

Module 5: Rehabilitation & NursingRehabilitation & Nursing provides cover for

rehabilitation, home nursing or hospice, if medically

prescribed by a doctor. Rehabilitation and nursing

must be pre-approved by ihi Bupa. The overall annual

maximum for this module is USD 5,000, EUR 4,100 or

GBP 2,850.

Module 6: Dental & Optical*The Dental & Optical module provides cover for

expenses in connection with dental treatment, glasses

and contact lenses up to the maximum limits. The

overall annual maximum for this module is USD 1,200,

EUR 1,000 or GBP 700.

* Please note that no deductible, premium loadings or discounts apply to module 4 and module 6.

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Special services Your needs are taken care of

24-hour serviceihi Bupa clients have access to medical assistance

through our own 24-hour emergency service –

Medical Centre – and our medical consultants for

emergency and non-emergency situations. This

includes the following services in-house:

z Second opinion from ihi Bupa’s medical

consultants.

z Help and advice on medical provider options.

z Booking and arrangement of stays at hospitals/

clinics.

ihi Bupa’s own team of highly qualified medical

consultants all have experience working abroad and

in high-risk areas.

Personal service teamAt ihi Bupa a dedicated corporate service team handles

all types of inquiries in connection with your policy. The

service team takes care of everything from processing

applications to handling claims. Each member of

the service team has either lived or worked abroad

themselves. This results in a better understanding

of your employees’ situation and creates a closer

relationship between your company and ihi Bupa.

Your employees will experience fast and efficient claims

handling. Our service goals for processing applications

and claims are set to only two weeks. We reimburse

bills in all major currencies.

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Wellbeing UniversityAre you concerned about the wellbeing of your

employees and how it affects your business

productivity and profit?

Would you benefit from exchanging experiences

with other visionary corporations about how to

improve employee wellbeing?

Are you searching for a comprehensive and

straightforward tool to assess the wellbeing of

your employees?

If your answer is “yes” to any or all of these

questions, you should consider joining the

Wellbeing University.

Since 2002, Wellbeing University has been helping

business leaders understand the importance of

employee wellbeing to ensure a healthier, happier

workforce and improve bottom-line performance.

In addition, we offer comprehensive corporate

wellbeing assessment tools. Free of charge, these

will enable you to:

z Assess your employee wellbeing.

z Assess your wellbeing initiatives and strategies.

z Compare employee and management perception of

wellbeing.

z Measure the impact of wellbeing upon productivity.

z Provide successful solutions for tackling the most

common employee wellbeing issues.

The tools are easy to use, requiring only 20 minutes

per employee to help you determine where to invest to

achieve better results.

Enrolment at Wellbeing University also gives you

access to a truly global network of market leading

and innovative corporations. For example, our annual

wellbeing conferences provide an excellent forum for

the exchange of ideas and experiences, as well as for

learning about the latest developments in the field.

Visit our website at www.wellbeinguniversity.com, or

call us for more information. We look forward to

welcoming you to the Wellbeing University.

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Online servicesAt ihi Bupa, we believe that prevention is better

than cure. Therefore, we offer your employees a

free tool to help them maintain and improve their

health.

On www.ihi.com, your employees and their

dependents can gain access with a personal

password to their own private page – myPage –

and enjoy a number of ihi Bupa advantages

and services, including:

z Online doctors: General advice from ihi Bupa’s

medical consultants on lifestyle dis eases, exercise

etc, including second opinions and counselling on

treatments

z Online advice on choice of hospitals or clinics.

z A personal log where employees and their

dependents can save all personal health details.

z Country specific information, plus advice and

information about safety, health and vaccinations.

z The possibility of becomming an online customer,

– the employee will receive all correspondence from

ihi Bupa via e-mail and on myPage.

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Application and renewal

Application processihi Bupa has a simple application process for our

corporate business clients. Once we have received

the information regarding your employees and the

type of cover you require for them, we will issue the

policies within two weeks. We accept applicants of

all ages.

Medical underwritingAt ihi Bupa, we know that our clients often have

different needs and requirements concerning

medical underwriting. Therefore, we offer different

underwriting models depending on group size.

Amongst others ihi Bupa can offer the following

underwriting principles depending on the

agreement:

z Individual medical underwriting

Each employee and dependent must fill in

a Medical Questionnaire.

z Medical History Disregarded (MHD)

No individual medical underwriting. All pre-

existing conditions covered. For more than

20 employees.

The underwriting principles will influence the

premium.

Paymentihi Bupa offers flexible payment terms to all our clients.

This includes annual, semi-annual, quarterly, and

monthly payment (the latter only by standing order).

We can also produce your invoice in a number of

different styles – simply choose the one that suits your

company best.

RenewalFirst Choice is renewed annually. We guarantee that

we will never cancel a policy after a claim – meaning

your employees will never have to worry about being

without cover when you insure them with us.

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ihi Bupa is the trading identity of Bupa Denmark, filial af Bupa Insurance Limited, England(Bupa Denmark, branch of Bupa Insurance Limited, England) CVR 31602742

Bupa Insurance limited is registered in England No. 3956433

The British United Provident Association Limited, Registered in England and Wales No. 432511Registered office: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA

Bupa and the heartbeat symbol are registered trademarks © Bupa 2008. All rights reserved

The world of Bupa

• Health assessment • Medical cover • Travel cover

• Financial health protection • International medical cover • Home healthcare

• Care homes • Childcare • Health and care assistance

Call ihi Bupa’s Medical Centrefor 24-hour emergency service and medical help

Tel: +45 33 15 33 00Fax: +45 33 32 25 60

E-mail: emergency@ihi.com

Call ihi Bupa’s Customer Servicefor questions on your policy, payments, coverage etc.

Open 8am - 10pm (CET) weekdays Tel: +45 33 15 30 99Fax: +45 33 32 25 60

E-mail: ihi@ihi.com

8, PalaegadeDK-1261 Copenhagen K

Denmark

Call ihi Bupa’s Direct Salesif you want to buy an insurance or know more about a product

Tel: +45 70 23 23 13E-mail: direct@ihi.com

Calls will be recorded and may be monitored.

www.ihi.com • www.bupa.com