FWD — same-insurer plan comparison

$850 per day, maximum 180 days per Policy Year

$14,500 per Policy Year

$850 per day, maximum 180 days per Policy Year

$6,000 per Policy Year

$4,500 per day, maximum 25 days per Policy Year

$6,500

$15,000

$30,000

$70,000

$20,000 per Policy Year. Subject to 30% Coinsurance.

$120,000 per Policy Year

$580, per visit, $6,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

$20,000 per Policy Year within 2 weeks of the Accident

$800 per day, maximum 60 days per Policy Year

$15,000

$15,000

No aggregate limit

No aggregate limit

HK$100,000／per policy year / per disability, 15% coinsurance

$1,000 per day, maximum 180 days per Policy Year

$16,000 per Policy Year

$1,000 per day, maximum 180 days per Policy Year

$6,000 per Policy Year

$4,500 per day, maximum 25 days per Policy Year

$6,500

$15,000

$30,000

$70,000

$20,000 per Policy Year • Coinsurance is not applicable to Prescribed Diagnostic Imaging Tests performed during Confinement • 30% Coinsurance for Prescribed Diagnostic Imaging Tests performed in a facility providing day-patient medical services

$120,000 per Policy Year

$580 per visit, $6,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure The maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (G) of II. Enhanced Benefits

$30,000 per Policy Year

$20,000 per Policy Year within 2 weeks of the Accident

$500 per day, maximum 60 days per Policy Year

$5,000 per Policy Year within 72 hours of the Accident

$200,000 per Policy Year

$10,000 per Policy Year

$10,000 per Policy Year

$800 per day, maximum 30 days per Policy Year

$500 per day, maximum 30 days per Policy Year

$580 per visit, $6,000 per Policy Year • Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure The maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (k) of I. Basic Benefits

Eligible Expenses in excess of the benefits payable under benefit item (j) of I. Basic Benefits and benefit item (B) of II. Enhanced Benefits, up to $50,000 per Policy Year Shared cap: HK$50,000

Eligible Expenses in excess of the benefits payable under benefit item (j) of I. Basic Benefits and benefit item (B) of II. Enhanced Benefits, up to $50,000 per Policy Year Shared cap: HK$50,000

$15,000

$15,000

No aggregate limit

No aggregate limit

HK$550,000／per policy year / per disability

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit

Full reimbursement of Eligible Expenses

$500 per day of Confinement, maximum 60 days per Disability per Policy Year

Full reimbursement of Eligible Expenses

$10,000 per Disability per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$550,000

Full reimbursement of Eligible Expenses $6,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit solely and directly due to pregnancy-related complications for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable under benefit item (H) of II. Enhanced Benefits; and • This benefit is payable 1 time only during the whole Confinement period

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$550,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$550,000

$20,000

$20,000

$20,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $3,000 per Major surgery; $6,000 per Complex surgery; up to 1 Major or Complex surgery per day

$6,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

No aggregate limit

HK$650,000／per policy year / per disability

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit

Full reimbursement of Eligible Expenses

$500 per day of Confinement, maximum 60 days per Disability per Policy Year

Full reimbursement of Eligible Expenses

$10,000 per Disability per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$650,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$650,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$650,000

$20,000

$20,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $3,000 per Major surgery; $6,000 per Complex surgery; up to 1 Major or Complex surgery per day

$6,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

No aggregate limit

HK$850,000／per policy year / per disability

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit

Full reimbursement of Eligible Expenses

$500 per day of Confinement, maximum 60 days per Disability per Policy Year

Full reimbursement of Eligible Expenses

$30,000 per Disability per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$850,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$850,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$850,000

$800 per day of Confinement, maximum 30 days per Disability per Policy Year

$30,000

$30,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 per Complex surgery; up to 1 Major or Complex surgery per day

$8,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

HK$2,000,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • Up to 3 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Up to 20 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

$40,000 per Policy Year

$800 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$100,000 per Policy Year

$100,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under: (a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits; (b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits; (c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or (d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,000,000 per Policy Year Shared cap: HK$2,000,000

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under: (a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits; (b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits; (c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or (d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,000,000 per Policy Year Shared cap: HK$2,000,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under: (a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits; (b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits; (c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or (d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,000,000 per Policy Year Shared cap: HK$2,000,000

Per Accident / per mastectomy: $160,000

$96,000 per item per Policy Year

$80,000 per Accident

$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident

$10,000 per month, max 24 months per Accident

$40,000

$40,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 per Complex surgery; up to 1 Major or Complex surgery per day

$8,000 per Confinement • Applicable when the Insured Person is Confined in a hospital in Hong Kong, is in Intensive Care Unit for 3 consecutive days or more during the Confinement, and the Eligible Expenses incurred during the Confinement are reimbursable under the Terms and Benefits; • This benefit is payable once per entire Confinement.

No aggregate limit

HK$2,000,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)

$40,000 per Policy Year

$1,000 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$100,000 per Policy Year

$100,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,000,000

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,000,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,000,000

$1,700 per day of Confinement, maximum 30 days per Policy Year

Per Accident / per mastectomy: $160,000

$96,000 per item per Policy Year

$80,000 per Accident

$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident

$10,000 per month, max 24 months per Accident

$40,000

$40,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 per Complex surgery; up to 1 Major or Complex surgery per day

$8,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

HK$2,500,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)

Full reimbursement of Eligible Expenses

$1,000 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$100,000 per Policy Year

$100,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,500,000

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,500,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,500,000

$1,700 per day of Confinement, maximum 30 days per Policy Year

Per Accident / per mastectomy: $160,000

$96,000 per item per Policy Year

$80,000 per Accident

$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident

$10,000 per month, max 24 months per Accident

$40,000

$40,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $6,000 per Major surgery; $12,000 per Complex surgery; up to 1 Major or Complex surgery per day

$12,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

HK$2,500,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)

Full reimbursement of Eligible Expenses

$1,000 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$100,000 per Policy Year

$100,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under: (a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits; (b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits; (c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or (d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year Shared cap: HK$2,500,000

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under: (a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits; (b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits; (c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or (d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year Shared cap: HK$2,500,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under: (a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits; (b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits; (c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or (d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits. $2,500,000 per Policy Year Shared cap: HK$2,500,000

$1,700 per day of Confinement, maximum 30 days per Policy Year

Per Accident / per mastectomy: $160,000

$96,000 per item per Policy Year

$80,000 per Accident

$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident

$10,000 per month, max 24 months per Accident

$40,000

$40,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $6,000 per Major surgery; $12,000 per Complex surgery; up to 1 Major or Complex surgery per day

$12,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

HK$1,500,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)

Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy Year In designated Mainland China hospitals: per policy year HK$40,000

$1,100 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$120,000 per Policy Year

$120,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$1,500,000

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$1,500,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$1,500,000

$1,800 per day of Confinement, maximum 30 days per Policy Year

Per Accident / per mastectomy: $200,000

$120,000 per item per Policy Year

$100,000 per Accident

$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident

$12,000 per month, max 24 months per Accident

$500,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)

$80,000

$80,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $5,000 per Major surgery; $10,000 per Complex surgery; up to 1 Major or Complex surgery per day

$10,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

HK$1,500,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)

Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy Year In designated Mainland China hospitals: per policy year HK$40,000

$1,100 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$120,000 per Policy Year

$120,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$1,500,000

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$1,500,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$1,500,000

$1,800 per day of Confinement, maximum 30 days per Policy Year

Per Accident / per mastectomy: $200,000

$120,000 per item per Policy Year

$100,000 per Accident

$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident

$12,000 per month, max 24 months per Accident

$500,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)

$80,000

$80,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $7,500 per Major surgery; $15,000 per Complex surgery; up to 1 Major or Complex surgery per day

$15,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

HK$2,000,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)

Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy Year In designated Mainland China hospitals: per policy year HK$40,000

$1,100 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$120,000 per Policy Year

$120,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,000,000

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,000,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,000,000

$1,800 per day of Confinement, maximum 30 days per Policy Year

Per Accident / per mastectomy: $200,000

$120,000 per item per Policy Year

$100,000 per Accident

$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident

$12,000 per month, max 24 months per Accident

$550,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)

$80,000

$80,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $10,000 per Major surgery; $20,000 per Complex surgery; up to 1 Major or Complex surgery per day

$20,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.

No aggregate limit

HK$2,500,000／per policy year

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses regardless of surgical category

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit(s) or Emergency consultation(s) more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)

Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy Year In designated Mainland China hospitals: per policy year HK$40,000

$1,100 per day of Confinement, maximum 60 days per Policy Year

Full reimbursement of Eligible Expenses

$120,000 per Policy Year

$120,000 per Policy Year

Full reimbursement of Eligible Expenses

$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,500,000

Full reimbursement of Eligible Expenses

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,500,000

This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause. Shared cap: HK$2,500,000

$1,800 per day of Confinement, maximum 30 days per Policy Year

Per Accident / per mastectomy: $200,000

$120,000 per item per Policy Year

$100,000 per Accident

$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident

$12,000 per month, max 24 months per Accident

$600,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)

$80,000

$80,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $15,000 per Major surgery; $30,000 per Complex surgery; up to 1 Major or Complex surgery per day

$30,000 per Confinement • If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and • This benefit is payable 1 time only during the whole Confinement period.