Administered by

ELITE GLOBAL HEALTH PLAN

A COLLABORATION BETWEEN A LEADING LOCAL INSURER AND TWO OF THE MOST RESPECTED NAMES IN GLOBAL HEALTHCARE

Insured by

U.S. access through

We have never wanted to be the same as the rest. That’s why more than 3,000 globally minded people were asked to help create our new range of global health plans.

The simple tiered range brings the same great service expected from us, but it’s more than just insurance. We also focus on our customers’ all-round health through a number of wellness services included.

With clearly segmented benefits, our range brings simplicity and freedom to global healthcare so that globally minded people can choose the plan that’s right for them.

So whether in times when you need us most, like when you’re ill or facing a serious health condition, or when you’re healthy, we’ll be there.

Here you’ll find more information about our Elite Global Health Plan which is part of the new range.

WELCOME TO THE NEXT CHAPTER OF GLOBAL HEALTHCARE

LOCAL KNOWLEDGE, GLOBAL EXPERIENCE, WORLDWIDE SUPPORT

¡ Hereditary, congenital and chronic conditions

¡ Mental therapies – caring for mind as well as body

¡ HealthPro Concierge service – supporting you every step of the way

¡ Health checks** – helping to prevent as much as cure

¡ Evacuation – if emergency treatment isn’t available locally, we’ll get you and one other person to where it is

¡ Transplants, rehabilitation and home nursing

WHY CHOOSE ELITE GLOBAL HEALTH PLAN? This plan gives you exceptional global health cover wherever you are or wherever you choose to receive your treatment, including dental and optical cover, and many complementary therapies, such as Chinese medicine, acupuncture and reflexology.

Our Elite Global Health Plan is great for families too, with its extensive maternity package available after you’ve been with us for 12 months, and cover for one child under the age of 10, per insured parent on this plan, at no additional cost, subject to underwriting. The child being added must reside at the same address as the parent who is insured and who has legal custody of the child. To find out more about our other plans in the range visit www.yongcheng.com/healthinsurance.

Alltrust Insurance Company is the insurer of the Elite Global Health Plan. Established in 2004, Alltrust Insurance Company has quickly become one of China’s leading insurance companies, with more than 200 branches across China employing 5,000 people.

TEAMING UP WITH TWO OF THE BIGGEST, MOST TRUSTED NAMES IN GLOBAL HEALTHCARE Building on the domestic success and strong reputation in China, we have teamed up with Bupa Global and Blue Cross Blue Shield Global to offer a new range of high-quality healthcare products and services.

Customers will have access to the largest networks of healthcare providers worldwide, utilising both the Blue Cross Blue Shield networks in the U.S. and Bupa’s networks outside the U.S.

This combined strength, scale and expertise means customers can be confident in knowing that they have access to quality healthcare when and where they need it.

EXCEPTIONAL SERVICE ON EVERY LEVEL For these global health plans, we deliver the exceptional high level of service for which we are renowned, and we provide cover for:

¡ In hospital and out-patient care*

¡ Treatment for cancer and other serious illnesses for as long as needed while you are our customer

*For Major Medical Health Plan out-patient treatment is only covered in connection with an in-patient course of treatment – pre- and post-hospitalisation

**Not applicable to Major Medical Health Plan

Products underwritten by and issued by Alltrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell products branded with the Blue Cross Blue Shield marks in Anguilla, Argentina, British Virgin Islands, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit www. bupaglobalaccess.com and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com

BENEFIT AND EXPLANATION

All benefits below, even those paid in full, will contribute to the overall annual maximum limit.

Overall annual maximum

USD 10,000,000 or RMB 63,000,000

OUT-PATIENT DAY TO DAY CARE

*paid in full up to the annual maximum of out-patient day to day care limit of USD 75,000 or RMB 472,500

USD 75,000 or RMB 472,500

Co-insurance^ options:

¡ No co-insurance as standard ¡ Optional 20%

Please see your insurance certificate for details of any co-insurance that applies to your out-patient day to day care benefits. Please note that co-insurance does not apply to out-patient day to day care received in public hospitals in Mainland China.

Out-patient surgical operations Paid in full*

Pathology, radiology and diagnostic tests Paid in full*

Specialist consultations and doctors’ fees

Paid in full* up to 60 consultations each insurance period

Qualified nurses

Mental health

Physiotherapists, osteopaths and chiropractors

Occupational therapist and orthoptist

Footcare

Complementary therapies: Acupuncture and reflexology

Complementary medicines: Homeopathy, naturopathy and Chinese medicine Up to USD 4,000 or RMB 25,200 each insurance period

Prescribed medicines and dressings Up to USD 6,000 or RMB 37,800 each insurance period. Once this limit is reach then 50% of any further costs.

Durable medical equipment

Dietetic guidance Up to 4 visits each insurance period

PREVENTIVE TREATMENT

Health screening (waiting period 6 months) Up to USD 1,500 or RMB 9,450 each insurance period

Vaccinations Up to USD 1,500 or RMB 9,450 each insurance period

Eye test Paid in full 1 test each insurance period

Preventive dental (waiting period 6 months) Paid in full 2 visits each insurance period

SUMMARY OF BENEFITS BENEFIT AND EXPLANATION

DENTAL TREATMENT/HEARING AIDS/OPTICAL

Dental treatment

Up to USD 2,000 or RMB 12,600 each insurance period

Accident related dental treatment

Routine dental (waiting period 6 months)

Major restorative (waiting period 6 months)

Orthodontics (waiting period 12 months)

Hearing aids/OpticalUp to USD 1,000 or RMB 6,300 each insurance period

Hearing aids

Spectacle frames and lenses and contact lenses

IN-PATIENT CARE: FOR ALL IN-PATIENT AND DAY-PATIENT TREATMENT COSTS

Hospital accommodation, room and board Paid in full. Standard private room.

Parent accommodation in hospital

Paid in full

Operating room, medicines and surgical dressings

Intensive care

Surgery, including surgeons’ and anaesthetists’ fees

Physicians’ fees

Pathology, radiology and diagnostic tests

Mental health

Physiotherapists, occupational therapists, speech therapists and dieticians

Obesity surgery (waiting period of 24 months)

Prophylactic surgery

Prosthetic devices Per device up to USD 6,000 or RMB 37,800

Prosthetic implants and appliances

Paid in fullReconstructive surgery

Accident-related dental treatment

PRE- AND POST-HOSPITALISATION

Home nursing Paid in full Up to 60 days each insurance period

Hospice and palliative care Up to USD 40,000 or RMB 252,000 for the entire insurance period, including the renewal period

Rehabilitation (multidisciplinary rehabilitation) Paid in full up to 60 days each insurance period

^ The percentage you have to pay towards those covered benefits to which co-insurance applies, as indicated in your ‘Guide to your health plan’.

BENEFIT AND EXPLANATION

IN-PATIENT AND/OR OUT-PATIENT CARE

Advanced imagingPaid in full

Cancer treatment

Transplant services Each condition up to USD 900,000 or RMB 5,670,000

Kidney dialysis Paid in full

MATERNITY/CHILDBIRTH (AFTER 12 MONTHS)

Normal delivery/Birthing centre/Home delivery Up to USD 15,000 or RMB 94,500 each insurance period

For certain hospitals in Mainland China there is a 20% maternity coinsurance, where the insurer will pay 80% and the insured will pay 20%. Please contact us for a list of hospitals where there is a 20% co-insurance for this benefit.

Medically essential Caesarean section Up to USD 30,000 or RMB 189,000 each insurance period

For certain hospitals in Mainland China there is a 20% maternity coinsurance, where the insurer will pay 80% and the insured will pay 20%. Please contact us for a list of hospitals where there is a 20% co-insurance for this benefit.

Pre- and post-natal treatment Covered under out-patient day-to-day care benefits

Complications of maternity and childbirth Paid in full

TRANSPORTATION/TRAVEL

Medical evacuation

Paid in fullMedical repatriation

Travel cost for an accompanying person

Travel cost for the transfer of children

Compassionate transport costs and compassionate visit living allowance Visit and return: 5 trips the entire insurance period, including the renewal period USD 1,500 or RMB 9,450 per trip

Visit living allowance: USD 150 or RMB 945 per day

Up to 10 days each insurance period

Living allowance 10 days each insurance period up to USD 150 or RMB 945 per day

Local air ambulance

Paid in fullLocal road ambulance

Repatriation of mortal remains

Full details of the benefits, limitations and exclusions can be found on www.yongcheng.com/healthinsurance or in the ’Guide to your health plan’ and the ‘Terms and Conditions’.

GENERAL EXCLUSIONS

Administration / registration fees Eyesight Obesity

Advance payments / deposits Epidemics and pandemics Persistent vegetative state (PVS) and neurological damage

Artificial life maintenance Experimental treatment Sexual problems

Birth control Genetic testing Sleep disorders

Chinese medicine (specific types) Gender issues Stem cells

Conflict and disaster Harmful or hazardous use of alcohol, drugs and/or medicines

Surrogacy

Convalescence, nursing home and admission for general care, or staying in hospital or other establishment

Health hydros, nature cure clinics etc

Temporomandibular joint (TMJ) disorders

Cosmetic treatment Infertility treatment Unrecognised medical practitioner, provider and facility

Developmental problems Mechanical or animal donor organs

Decades of medical expertise and dedication to health, a global team of advisers and health experts who speak multiple languages, and service that exceeds expectations - these are just a few of the things that make our global health plans simply better.

THE DIFFERENCE WITH A GLOBAL HEALTH PLAN

HEALTHPRO CONCIERGE SERVICE Our team of healthcare professionals in HealthPro Concierge provides you with a range of services to support you at healthy times as well as throughout your treatment and recovery, including Second Medical Opinion from a global panel of medical specialists, a Doctor Referral service and global non-emergency and emergency assistance.

FINANCIAL REASSURANCE With a leading local insurer and two of the most respected names in global healthcare by your side, you can simply focus on enjoying life.

MULTILINGUAL ADVISERS When it comes to healthcare advice, we know that speaking to someone in your own language is more than reassuring. It’s key. For this reason, our team of advisers is able to offer help in multiple languages.

PRE-EXISTING CONDITIONS We don’t believe past health issues should stop you from enjoying your future. That’s why many pre-existing conditions can be covered under our global health plans, subject to underwriting.

FIND OUT MOREIf you’d like more information, then we’re here to help.

www.yongcheng.com/healthinsurance

Administered by

CHN-ELIT-SALE-EN-1801-0005249

Insured by

U.S. access through

管理方

环球精英医疗计划

由两大顶级环球医疗保健公司与中国领先的保险公司合作，携手打造优质计划及服务

美国网络供应方

承保方

我们从来不想只同别人一样。因此，我们邀请超过 3,000 位具有环

球思维的人士，协助我们设计全新的全球医疗计划系列产品。

本系列分级简易，每个等级都能提供我们一贯的优越服务，不仅提

供保障，更涵盖各类保健服务，能够妥善照顾客户的身心健康。

本系列清楚区分保障范围，提供简明的全球医疗方案，具有环球思

维的您，可以自由选择最理想的计划。

无论在您健康的时候，或是生病或身体出现严重问题的时候，我们

都会在您身边。

欢迎进入全球医疗保健服务的崭新篇章 本地智慧 环球实力

为何选择环球精英医疗计划？ 不论您身在何处或选择于何处接受治疗，本计划都将为您提供卓越的全球医疗保障，其中包括牙科与眼科保障，以及中医、针灸及反射疗法等多种辅助疗法。

我们的环球精英医疗计划也非常适合家庭，在加入计划 12 个月后即可享有产科保障方案的多元保障，计划中每位被保家长可以通过核保免费将 1 名未满 10 岁的子女列为被保险人。 欲了解本系列的其他计划，请浏览

www.yongcheng.com/healthinsurance

永诚财产保险公司是全球医疗计划系列的承保方。我们成立于2004 年，已迅速发展成为中国领先的保险公司之一，拥有 200 多家支公司和销售服务中心 － 员工超过 5,000 人。

全球医疗保健界中最大型可靠的两大品牌共同联手 凭著于中国取得之成功及声誉，保柏环球联同蓝十字蓝盾寰球提供高质素的医疗保健计划及服务。

结合蓝十字蓝盾於美国的医疗网络，以及保柏於美国境外的网络，客户现可受惠於最大的全球医疗保健服务网络。

联同两间公司的雄厚实力、丰富知识与医疗专长，让客户无论何时何地皆能享用优质医疗保健服务。 全方位的卓越服务

我们的全球医疗计划系列提供备受赞誉的高质量服务，保障内容包括：

¡ 全面的住院及门诊服务*

¡ 癌症及其他重症治疗，让您可专注于治疗和恢复

¡ 遗传、先天性及慢性疾病

¡ 心理治疗 － 让身心都能得到照顾

¡ 专属健康助理服务 － 与您一路相伴

¡ 健康检查** － 预防胜于治疗

¡ 医疗运送 － 若当地无法提供紧急治疗，我们会将您护送至能够提供紧急治疗的地点，您也可要求安排一人随行

¡ 移植、康复护理和居家护理

产品由永诚保险公司承保及发行并由保柏环球作管理，永诚保险公司是经蓝十字蓝盾协会授权的独立机构。保柏环球是保柏的业务名称，为国际医疗保健公司。保柏是永诚保险公司经蓝十字蓝盾协会授权的独立机构，唯保柏环球并未获蓝十字蓝盾协会授权以蓝十字蓝盾标誌於安圭拉，阿根廷，英属维尔京群岛，加拿大，哥斯达黎加，巴拿马，乌拉圭和美属维尔京群岛销售产品。於香港，保柏环球只获授权使用蓝盾标誌。请详细了解您保障条款以及可保障之範围。蓝十字蓝盾协会旗下拥有36间独立运作、於美国经营的蓝十字蓝盾公司。蓝十字蓝盾寰球是蓝十字蓝盾协会旗下的品牌。如欲获取更多关於保柏环球的资料，请浏览www.bupaglobalaccess.com；如欲获取更多关於蓝十字蓝盾协会的资料，则请浏览www.BCBS.com。

*卓越住院医疗计划只包括与住院治疗相关（住院前后）的门诊服务

**不适用于卓越住院医疗计划

保障与说明

下列保障，包括全额赔付项目，均将计入年度最高保障总额。 年度最高保障总额

10,000,000 美元或 63,000,000 元人民币

常规门诊治疗

* 全额赔付，以常规门诊治疗年度最高保障额（75,000 美元或 472,500 元人民币）为限 75,000 美元或 472,500 元人民币

自付比例^选项：

¡ 标准自付比例 0% ¡ 自选 20%

有关适用于常规门诊治疗的自付比例，请参阅保险证书。请注意，自付比例将不适用于在中国大陆的公立医院接受的常规门诊治疗。

门诊手术 全额赔付*

病理学检测 、放射检测和诊断检测及治疗 全额赔付*

专科诊症及医生费

全额赔付*，每个保险期 以 60 次诊疗为限

合格护士护理

心理及精神科治疗

物理治疗师、骨科医生及脊椎指压治疗师

职业治疗师及视觉矫正师

足部护理

辅助疗法：针灸及反射疗法

辅助药物：顺势疗法、自然疗法及中药 每个保险期以 4,000 美元或 25,200 元人民币为限

处方药及敷料 每个保险期以 6,000 美元或 37,800 元人民币为限。 超出上限部份的支付比例为 50%。

耐用医疗设备

饮食指导 每个保险期以 4 次咨询为限

预防性治疗

健康检查（等候期 6 个月） 每个保险期以 1,500 美元或 9,450 元人民币为限

疫苗接种 每个保险期以 1,500 美元或 9,450 元人民币为限

眼科检查 全额赔付，每个保险期以 1 次检查为限

预防性牙科治疗（等候期 6 个月） 全额赔付，每个保险期以 2 次诊症为限

保障摘要 保障与说明

牙科治疗/助听器/眼科

牙科治疗

意外事故相关牙科治疗

每个保险期以 2,000 美元或12,600 元人民币为限常规牙科治疗（等候期 6 个月）

主要修复性牙科治疗（等候期 6 个月）

畸齿矫正（等候期 12 个月）

助听器/眼科

助听器每个保险期以 1,000 美元或 6,300 元人民币为限

镜架、镜片及隐形眼镜

住院服务：住院及日间留院治疗费

住院费用（包括食宿） 全额赔付。标准单人病房。

父母陪伴留宿医院

全额赔付

手术室、药物及敷料

重症监护

手术，包括外科医生及麻醉师费

内科医生费

病理学检测 、放射检测和诊断检测及治疗

心理及精神科治疗

物理治疗师、职业治疗师、语言治疗师与营养师

减重手术（等候期 24 个月）

预防性手术

人造器官装置 每项装置以 6,000 美元或 37,800 元人民币为限

植入式人造器官及人造器官设备

全额赔付重建手术

意外事故相关牙科治疗

住院前及住院后

居家护理 全额赔付，每个保险期以 60 日为限

临终关怀与缓和治疗 整个保险期上限为 40,000 美元或 252,000 元人民币，包括续保期

康复护理（跨领域康复） 全额赔付，每个保险期以 60 日为限

^您在涉及自付比例的保障项目中必须自行负担的百分比，详见您的“医疗计划指南”

保障与说明

住院及/或门诊服务

先进扫描全额赔付

癌症治疗

器官移植服务 每项病症以 900,000 美元或 5,670,000 元人民币为限

肾脏透析 全额赔付

产科/分娩（12 个月后）

正常分娩/生育中心/在家分娩 每个保险期以 15,000 美元或 94,500 元人民币为限

20% 产科自付比例将适用于中国大陆的部分医院，此种方案下，保险人需要支付费用的 80%，被保险人需要承担费用的 20%。

如需本保障中适用 20% 自付比例的医院列表，请联系我们。

具医疗必要性的剖腹生产 每个保险期以 30,000 美元或 189,000 元人民币为限

20% 产科自付比例将适用于中国大陆的部分医院，此种方案下，保险人需要支付费用的 80%，被保险人需要承担费用的 20%。

如需本保障中适用 20% 自付比例的医院列表，请联系我们。

产前及产后治疗 属于常规门诊治疗的保障范围

怀孕及分娩并发症 全额赔付

运送/交通

医疗运送

全额赔付医疗运返

同行人士交通费

同行儿童交通费

慰问探访交通费及生活费 往返：整个保险期以 5 次探访（包括续保期）、每次以 1,500 美元或 9,450 元人民币为限

探访生活费：每日 150 美元或 945 元人民币

每个保险期以 10 日为限

生活费 每个保险期以 10 日， 每日以 150 美元或 945 元人民币为限

本地救护直升机

全额赔付本地救护车

遗体运返

欲了解详细保障、限制及除外责任，请浏览 www.yongcheng.com/healthinsurance 或参阅“医疗计划指南”和“医疗计划细则（补充说明）”。

常规除外责任

手续费/行政费 视力 肥胖症

预缴款项/订金 流行病及广泛性流行病 持续性植物状态 (PVS) 及神经损伤

人工生命维持 实验性治疗 性问题

避孕 基因检测 睡眠障碍

中药（特定类别） 性别问题 干细胞

冲突及灾害 酒精、毒品及/或药物之伤害性或有害使用 代孕

康复疗养、看护中心、入住一般看护机构、留院或其他机构 水疗、自然疗法诊所等 颞颚关节 (TMJ) 障碍症

整形治疗 不孕治疗 未经认可的医疗从业人员、医疗服务提供人员及医疗服务提供者

发展问题 机械或动物捐赠器官

备有通晓多种语言的全球顾问及医疗专家团队，提供超越您所预期的服务，並具有下列优势，无疑是您较佳的选择。

全球医疗计划系列的独特之处

专属健康助理服务

专属健康助理服务是由医学专业人员组成的团队为您提供的一系列服务，无论您身体健康、处于治疗中、或者处于治疗恢复时期，都将为您提供支持，包括来自全球专科医生团队的第二诊疗意见、医生推荐服务以及全球非紧急健康护理支持和紧急救援服务等。

财务保障

由中国领先的承保方，联同全球医疗保健界中最大型可靠的两大品牌守护下，您可以专心享受人生。

多种语言电话支缓

我们了解，在寻求医疗意见时，您希望使用自己熟悉的语言。为了让您感到安心，我们的顾问团队提供多种语言电话服务。

既有病症

我们认为，过去的健康问题不该影响您的未来。因此，当您加入我们的全球医疗计划时，经核保後，您可以将多种已存在病症纳入保障范围。

了解更多如果您想了解更多计划详情，我们很乐意为您服务。

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