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MAJOR MEDICAL HEALTH PLAN

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

Insured by

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 care

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

¡ Hereditary, congenital and chronic conditions

¡ Mental therapies – caring for mind as well as body

¡ 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 MAJOR MEDICAL HEALTH PLAN?

This plan is for people who may not want or need a traditional health plan. It gives you worldwide cover for major illnesses and conditions such as cancer up to a USD 2m or RMB 12.6m annual limit.

The Major Medical Health Plan ensures that should you need it, you will get the best private care available, so you can concentrate on getting better.

To find out more about our other plans in the range visit www.yongcheng.com/healthinsurance.

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

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 Major Medical Health Plan which is part of the new range.

WELCOME TO THE NEXT CHAPTER OF GLOBAL HEALTHCARE

Alltrust Insurance Company is the insurer of the Major Medical 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 GLOBALHEALTHCARE Building on the domestic success and strong reputationin China, we have teamed up with Bupa Global andBlue Cross Blue Shield Global to offer a new range of high-quality healthcare products and services.

Customers who have U.S. coverage within their plan cannow enjoy bigger benefits. This health plan does notinclude U.S. cover; if you would like this included, pleaseview the rest of the global health plan range atwww.yongcheng.com/healthinsurance.

LOCAL KNOWLEDGE, GLOBAL EXPERIENCE, WORLDWIDE SUPPORT

BENEFIT AND EXPLANATION

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

Overall annual maximum

USD 2,000,000 or RMB 12,600,000

Deductible The deductible applies to all benefits

Mandatory USD 4,000 or RMB 25,200 per insurance period

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

Advanced imaging

Physiotherapists, occupational therapists, speech therapists and dieticians

Mental health Paid in full 90 days for the entire insurance period, including the renewal period

Prosthetic devices Per device up to USD 4,000 or RMB 25,200

Prosthetic implants and appliances

Paid in fullReconstructive surgery

Accident-related dental treatment

SUMMARY OF BENEFITS

BENEFIT AND EXPLANATION

PRE- AND POST-HOSPITALISATION

Pre-examinations Paid in full up to 30 days prior to hospitalisation

Check-ups Paid in full up to 60 days after hospitalisation

Home nursing Paid in full up to 30 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 30 days each insurance period

Prescribed medicines and dressings Up to USD 1,000 or RMB 6,300 each insurance period

Prescribed at the hospital following in-patient or day-patient

Durable medical equipment

IN-PATIENT AND/OR OUT-PATIENT CARE

Cancer treatment Paid in full

Transplant services Each condition up to USD 500,000 or RMB 3,150,000

Kidney dialysis Paid in full

TRANSPORTATION/TRAVEL

Medical evacuation

Paid in fullTravel cost for an accompanying person

Travel cost for the transfer of children

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 Mechanical or animal donor organs

Advance payments / deposits Experimental treatment Obesity

Artificial life maintenance Foetal surgery Persistent vegetative state (PVS) and neurological damage

Birth control Footcare Sexual problems

Complementary therapists Genetic testing Sleep disorders

Conflict and disaster Gender issues Stem cells

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

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

Surrogacy

Cosmetic treatment Health hydros, nature cure clinics etc Temporomandibular joint (TMJ) disorders

Developmental problems Infertility treatment Treatment outside area of cover

Epidemics and pandemics Maternity and childbirth Unrecognised medical practitioner, provider and facility

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, we’re here to help. Please visit

www.yongcheng.com/healthinsurance

CHN-GGHP-MJMD-SALE-EN-1804-v1.01-0005876

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Insured by

CHN-GGHP-MJMD-SALE-EN-1804-v1.01-0005876

管理方

卓越住院医疗计划

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

承保方

为何选择卓越住院医疗计划？

本计划适合不需要传统医疗计划的人士。本计划针对癌症等重大疾病及病症提供全球保障，年度保障限额最高可达 200 万美元或 1260 万元人民币。

卓越住院医疗计划能确保您在有需要的时候获得最佳私人护理，您只需把精力集中在康复上即可。

欲了解本系列的其他计划，请浏览

www.yongcheng.com/healthinsurance

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

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。

计划中包含美国地区保障的客户现可享有更丰富的保障。此医疗计划并不包括美国地区保障，若您希望加入这项保障，请浏览 www.yongcheng.com/healthinsurance，查阅本计划系列之其他计划级别。 全方位的卓越服务

我们的全球医疗计划提供备受赞誉的高质量服务，保障内容包括:

¡ 全面的住院服务

¡ 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

¡ 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

本地智慧 环球实力

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。

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

2,000,000 美元或 12,600,000 元人民币

免赔额 免赔额适用于所有保障

每个保险期强制规定为 4,000 美元或 25,200 元人民币

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、X 光检测和诊断检测及治疗

先进扫描

物理治疗师、职业治疗师、语言治疗师与营养师

心理治疗 全额赔付 整个保险期以 90 天为限，包括续保期

人造器官装置 每项装置以 4,000 美元或 25,200 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

保障摘要

保障与说明

住院前及住院后

预检 全额赔付，以住院前 30 日内为限

后续检查 全额赔付，以住院后 60 日为限

居家护理 全额赔付，每个保险期以 30 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 30 日为限

处方药及敷料 每个保险期以 1,000 美元或 6,300 元人民币为限

接受住院或日间留院治疗后在医院取得处方耐用医疗设备

住院及/或门诊服务

癌症治疗 全额赔付

器官移植服务 每项病症以 500,000 美元或 3,150,000 元人民币为限

肾脏透析 全额赔付

运送/交通

医疗运送

全额赔付同行人士交通费

同行儿童交通费

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 bupaglobal.com 或参阅 “医疗计划指南”和“医疗计划细则(补充说明）”。

一般不受保项目

手续费/行政费 视力 机械或动物捐赠器官

预缴款项/订金 实验性治疗 肥胖症

人工生命维持 胎儿手术 持续性植物状态 (PVS) 及神经损伤

避孕 足部护理 性问题

辅助治疗师 基因检测 睡眠障碍

冲突及灾害 性别问题 干细胞

康复疗养、看护中心、入住一般看护机构、留院或其他机构 酒精、毒品及/或药物之伤害性或有害使用

代孕

整形治疗 水疗、自然疗法诊所等 颞颚关节 (TMJ) 障碍症

发展问题 不孕治疗 保障区域之外的治疗

流行病及广泛性流行病 产科及分娩 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

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。

多种语言顾问 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。 www.yongcheng.com/healthinsurance

CHN-GGHP-MM-SALE-CS-1804-V1.01-0005877

管理方

承保方

CHN-GGHP-MM-SALE-CS-1804-V1.01-0005877