Asia careTAILOR-MADE HEALTHCARE INSURANCE SOLUTIONS FOR ASIA

20122013

HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.

BANGKOK

SHANGHAIDUBAI

PARISCALGARY

TORONTO

HOUSTON

LYON

ABU DHABI

BEIJING

WUHAN

CHENGDU

With our 3 Asia regional headquarters, we are always close to you.

WHEREVER YOU ARE IN ASIA, WE’RE JUST A MOMENT AWAY

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Prevent high or even unaffordable medical fees Unexpected medical events such as accidents and surgeries can happen anytime anywhere. Joining an international health insurance program guarantees you will get coverage when faced with expensive medical bills.

Provide fully comprehensive coverage Apart from major medical risks, your regular health needs, such as prescribed medicines, dental care and vision care will also be provided.

Protect you and your family now: don’t wait Don’t wait until you or your family suffer from a medical condition, then it may be too late to get covered by insurance. It is best to take the safe path and get healthcare coverage now, especially with rising medical costs.

Peace of mind whenever, wherever Choosing the right international health insurance provider guarantees you’ll always get the best possible healthcare from top private or public hospitals worldwide.

Premium servicesLeading international health insurance providers, such as MSH INTERNATIONAL, have their own network of medical providers worldwide; they can advise, coordinate and follow up in order to help you access the best healthcare services.

Plans for expatriatesInternational health insurance providers, such as MSH INTERNATIONAL, offers healthcare plans for expatriates who are usually not covered by national health plans.

Payment without trouble With the right international health insurance provider, such as MSH INTERNATIONAL, you get the advantage of direct billing and therefore you do not have to pay upfront for medical expenses.

WHY INTERNATIONAL HEALTH INSURANCE?MSH INTERNATIONAL

is a world leader in the design and management of international healthcare solutions.

We are specialists in international health insurance for individuals & groups worldwide.

Direct billing is a “cashless” payment process in which health insurance companies establish agreements with medical providers so that the insured member can receive medical services without having to pay upfront or make claims afterwards.

35 years experience in international healthcare solutions

12 sales offices

1 of the top 5

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275,000 insured members across more than

194 countries

regional headquarters: Bangkok, Calgary, Dubai, Paris, and Shanghai

leaders for international health insurance worldwide

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9 KEY REASONS TO CHOOSE MSH INTERNATIONAL

Global expertise combined with premium local services Over 35 years of experience in international health insurance

High-quality services with true local understanding

ISO 9001 certified in 4 of our regional headquarters

We are close to you 3 regional headquarters in Asia (Bangkok, Shanghai, Dubai)

out of 5 headquarters worldwide

Administration center in Bangkok, Thailand, provides you with

full support across Southeast Asia

Extensive medical network 750,000 medical providers worldwide, including 5,000 hospitals

and clinics outside the USA

Direct billing agreements with hospitals in our selected network -

you do not have to pay upfront for medical expenses

Always available to help 24-hour assistance

Regional contact numbers

Online services

In-house multicultural medical teams in 4 continents Quick access to the best medical resources

wherever and whenever you need

2nd medical opinion from medical experts

Fast & convenient claims process Submit claims online with status tracking

Claim reimbursements in 150 currencies within 5 days

Direct billing with many medical providers means you

often do not need to claim

Service excellence Experienced multicultural teams of 45 nationalities

with more than 30 languages spoken

Asian hospitality with international professionalism

Efficient and responsive to all your needs

Unique culture of continuous improvement

We find solutions for you: we review your medical history

in order to design the best solutions for YOU

We keep our promises 24/7 hotline service

Transparent and trustworthy

Free Call Online

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Individuals or families

Employees of small and medium enterprises

DESIGNED FOR EXPATRIATES

PLANS

Asia Care plans are tailor-made for expatriates of any nationalities living outside their countries of origin:

“I’m a retired restaurant owner from France. I have decided a few years ago to move permanently to Vietnam as I have married a Vietnamese woman and we’ve just had a baby together. With Asia Care, I know my family in Vietnam will be fully covered. I also love the fact that I can schedule a visit to my favourite doctor for my cardiovascular condition during my annual summer vacations in Paris!”

“I come from Malaysia but currently live and work as an engineer in Phuket, South of Thailand. Every weekend, I usually go back to Kuala Lumpur to visit my friends and family. So I need a plan which will allow me to schedule visits with my trusted doctor back home in KL. Asia Care does just that. It also allows me to schedule visits to the doctor everywhere I go in Southeast Asia during my frequent business trips – and yet it is so affordable.”

“My husband is on work assignment in Thailand and I have recently followed him from Scotland. Since then, we’ve been enjoying our vacations throughout Asia, and with Asia Care, we never have to worry about not getting medical assistance. Although I still prefer my treatments in Bangkok hospitals, it’s always a peace of mind to know we’ll also receive top healthcare services elsewhere in Asia.

Once a year we usually travel to the U.S. to visit our relatives. Although this is outside Southeast Asia, we know we are always covered for emergencies”

Expatriates: Their stories

Asia care

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VITAL ESSENTIAL PROTECTION FROM THE HIGHEST RISKS

If you’re looking to cover the highest medical risks that require hospitalisation, Vital is the plan for you. Apart from the comprehensive in-patient benefits, we also provide you with full coverage for cancer as well as maternity & childbirth benefits.

HARMONY BALANCED PATH FOR HIGHER COMFORT AND CARE

Harmony gives you the essential in-patient benefits, but has the additional advantages of out-patient benefits including routine health checkups, prescribed medicine, dental care, maternity & childbirth benefits as well as higher level of reimbursements.

OPTIMUM SUPREME PROMISE OF TOTAL COVERAGE

Optimum is the right choice for anyone seeking truly comprehensive coverage, from hospitalisation to out-patient care including dental, vision, and psychiatric treatment as well as maternity & childbirth benefits. Compared to other available plans, Optimum also offers the highest level of reimbursements.

ASIA CARE plans provide you with comprehensive benefits with top-service guarantees. We recommend that you choose the plan most appropriate for your needs based on overall coverage and levels of benefits.

VITAL HARMONY OPTIMUM

BENEFITS AT A GLANCE

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HOW TO CHOOSE YOUR PLAN

Explanations In-patient benefits are provided for a person admitted to hospitals and occupies a bed

overnight or longer for medical reasons.

Congenital anomalies are defects that are present at birth.

Outpatient benefits are provided for a person who attends a hospital, consulting room,

or out-patient clinic and is not admitted as a Day-Patient or an In-Patient.

Covered Not Covered

In-patient Benefits(Hospital Services)

Treatment forHIV and AIDS

Treatment forCongenital Anomalies

Maternity andChildbirth Care

Dental Treatment

Out-patient Benefits

Vision Care

Psychiatric Treatment

Ancillary Charges

Lifetime Renewal

VITAL HARMONY OPTIMUM

Emergency MedicalEvacuation

In-patient Benefits(Hospital Services)

Treatment forHIV and AIDS

Treatment forCongenital Anomalies

Maternity andChildbirth Care

Dental Treatment

Out-patient Benefits

Vision Care

Psychiatric Treatment

Ancillary Charges

Lifetime Renewal

Emergency MedicalEvacuation

In-patient Benefits(Hospital Services)

Treatment forHIV and AIDS

Treatment forCongenital Anomalies

Maternity andChildbirth Care

Dental Treatment

Out-patient Benefits

Vision Care

Psychiatric Treatment

Ancillary Charges

Lifetime Renewal

Emergency MedicalEvacuation

Chronic conditions & Pre-existing conditions

All Asia Care Plans include medical evacuation

and repatriation

HOW TO CHOOSE YOUR ZONE

your country of residence

most frequently visited countries

Choose between zone 1 & 2 based on:

� Includes Belgium – France – Germany –Luxembourg – Netherlands for stays of less than 90 days.

� Includes Belgium – France – Germany –Luxembourg – Netherlands for stays of less than 90 days.

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FYI

1. We advise you to choose your zone according to where you would like to receive medical treatment, regardless of your country of residence. You can, for example, choose zone 2 even though you reside in zone 1, so that you can schedule visits to your favourite doctor who works in zone 2.

2. To be eligible for Asiacare plans, you must reside in one or more countries in zone 1 or zone 2 for at least 180 days per year.

I live in Malaysia but I choose zone 2 to be fully covered in Hongkong, China and Singapore – where I often visit relatives“

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Zone 1� : Bangladesh - Bhutan - Brunei - Burma/Myanmar - Cambodia - East Timor - India - Indonesia - Laos - Malaysia -

Maldives - Nepal - Pakistan - Philippines - Sri Lanka - Thailand - Vietnam

Zone 2� : Countries in Zone 1

� including China - Hong Kong - Japan - Macau - Mongolia - South Korea - Singapore - Taiwan

Asia Care plans meet the needs of any expatriates living in Asia and are relevant to the region’s medical costs and resources. Furthermore, our presence in Asia, combined with our local understanding, guarantee we are always there to give you quality services and care whenever you need.

ASIA AT HEART

Highly relevant medical coverage for Asia

Premium local services

Comprehensive benefits

Always near you (3 regional offices in Bangkok, Shanghai and Dubai)

Managed by highly-qualified teams of local and international professionals

PRESENCE IN ASIA COMBINED WITH LOCAL UNDERSTANDING

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Find out more about the eligible benefits by reviewing the table of benefits below.

The table of benefits below describes the eligible benefits depending on the plan you choose. These benefits are expressed per annual year, per insured person and are subject to limits:

Contact us anytime via our website to find out more about these

benefits

In-patient Benefits (Hospital Services)

Staying in hospital overnight oras a day case

Parent accomodationwith an insured child under 18

Day care treatment orOut-patient surgery *

* Day care treatment or Out-patient surgery: treatment cost for a surgical procedure performed in a surgery, hospital, day care facility or out-patient department

Nursing care

Operating room,medicine & surgical dressing

Prescription drugs and materials

MRI, PET & CT-PET scans

Paid in full Not Covered

Private room up to$280 per day

$40 per daymax 30 days

$40 per daymax 30 days

$40 per daymax 30 days

Private room up to$280 per day

Private room up to$600 per day

Annual Limit per Year& per Person $ 1,000,000 $ 1,000,000 $ 1,600,000

Benefits Vital OptimumHarmony

Paid in full Not Covered

Benefits Vital OptimumHarmony

Cancer treatment

Prosthetic implants & appliances

Rehabilitation

Nursing at home orIn a convalescent home

Emergency dental treatmentfollowing an accident

Local road ambulance service

Hospitalization cash benefit

Psychiatric treatment

KEY: WAITING PERIODS

The number indicates the number of monthsof waiting period. Benefits will be availableafter the end of the waiting period.

Hospice and palliative care $35,000 $100,000

$125 $125 $125

$1,000 $1,000 $1,000

for 30 daysper medical condition

for 30 daysper medical condition

for 30 daysper medical condition

Max. 20 days Max. 20 days Max. 20 days

Intensive care, intensive therapy,coronary care, dependency unit

Surgical fees including anesthesia

Reconstructive surgery followingaccident/eligible medical condition

Specialist's consultations fees

Diagnostic test - pathology Xrays

Organ and bone marrowTransplant services

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ASIA CARE BENEFITS

FYI

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Paid in full Not Covered** Medical practitioners fees, specialist fees, diagnostic test & prescribed drugs & dressing: pre-operative consultation & diagnostic procedure within 15 days from the admission & post-hospitalization up to $2,000

Pre-operative consultation & diagnosticprocedure within 15 daysfrom the admission & post hospitalization **

Up to $2,000per year

Chiropractic, osteopathy, homeopathy,acupuncture treatment, traditional Chinesemedecine by a recognised practitioner

Prescribed physiotherapy,complementary therapies

Prescribed medical aids(hearing aids & orthopaedic appliances)

Up to $250per year

Up to $500per year

Routine health check up includingscreening for early detection (Full health -screen, Mammogram, Papanicolaou (PAP)test, Prostate Cancer Screen)

Up to $500per year

Up to $200per year

Up to 5 visits Up to 10 visits

Up to $250(15 sessions per year)

Up to $300(20 sessions per year)

General practitioner fees & drugs

Specialist fees

Out-patient surgical procedure

Lab tests, Xrays,diagnostic & pathology tests

Vaccinations

Prescribed medicine

Up to $250per visit

Up to $250per visit

Up to $5,500per person & per year

Benefits Vital OptimumHarmony

Paid in full Not Covered

(refer to pages 19 & 20)

Treatment for congenitalanomalies which manifestsitself after the day of entry

Including glasses, frames,contact lenses, laser treatment

Lifetime limit for all psychiatric careafter 18 months of policy purchase

Normal pregnancy and delivery costs

Complications of pregnancyand childbirth

Newborn care

Up to $300per year with 20%

co-payment

Up to $3,000per year with 20%

co-payment

Up to $3,500per year with 20%

co-payment

Routine dental treatment(check up, basic treatments)

Major restorative dental treatmentincluding orthodontic, prosthesesbridges, implants

For orthodontic & aged less than 18

Dental Treatment

Treatment for HIV and Aids

Both in-and out-patient.Maximum coverage: 5 years.

Congenital Anomalies

Vision Care

Psychiatric Treatment

Maternity and Childbirth Benefits

Per person per year

Deductibles (optional)

Chronic Conditions &Pre-existing Conditions

Ancillary Charges (crutches/wheelchair after treatmentas an in-patient or day patient)

$1,000per condition

COVEREDupon medical acceptance

nil, $100, $500, $1,000

Up to $75,000 Up to $100,000 Up to $125,000

Up to $800per year

Up to $5,000

Up to $2,000 Up to $2,500

Up to $9,000

Up to $4,500

$15,000 $25,000 $40,000

Benefits Vital OptimumHarmony

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KEY: WAITING PERIODS

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TABLE OF BENEFITS

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Discover our practical & time-saving online services.

After the successful application of your membership, you will receive your Welcome Package containing all relevant information including member’s card, insurance certificate, member’s handbook as well as access to our online services.

Access our online services from our website: to view your policy and manage your account.

Here are some of the benefits of our online services:

SIMPLE-TO-USE INNOVATIVE TOOLS OUR COMMITMENTS

TABLE OF BENEFITS

Our international team is available for you at any time.

Whatever questions or needs you may have, our multicultural team is ready to respond in the shortest time in order to provide the best solutions and services for you.

Find medical facilities anywhere in the worldusing our online locator

Download our innovative smart phone apps

Submit claims online, follow your claim status,and see claims history over the last 24 months

Complete and print your requestsfor reimbursements of claims

Make your requests for direct settlementof medical expenses

Contact us by leaving a messageor be directed to the most appropriate helpfrom one of our managers

Print your insurance member card

Print & download your member's handbook

Update your personal details: email address,mailing address, bank details ...

Vital OptimumHarmony 24/7 availability - 24 hours a day, 7 days a week

45 nationalities with over 30 languagesfor truly local service wherever you go

2 main advantages of direct billing*- no need to pay upfront- no need to make claims afterwards

5 days reimbursement of claims

1st

day coverage–immediately get coveredon the first day you’re accepted into membershipor on any of your chosen date

150 currencies for worldwide reimbursements

2nd

medical opinion if in doubt about a diagnosis

*Only applies to medical facilities in our extensive network

Bangkok (Thailand), Paris (France), Calgary (Canada),Dubai (UAE), Shanghai (China)

Vital OptimumHarmony

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The medical evacuation coverage of Asia Care is provided & managed by Mondial Assistance (Allianz Group)

Medical evacuation and repatriation Medical evacuation and repatriation are important benefits that will support you through emergencies, accidents, and serious illnesses. Our 24/7 services are exclusively provided for MSH INTERNATIONAL’s members. With just one phone call, we will be right by your side in the shortest time.

MEDICAL EVACUATION / REPATRIATION

paid in full

In case of accidents or illnesses encountered by the member...

Transportation to a regional hospital or nearby country

Direct evacuation to country of nationality /residence if there is no suitable medical assistance nearby

Transportation under medical supervision dependingon the seriousness of his/her condition

Transportation to country of nationality /residence after treatment, with or without hospitalisation

Transportation for a family member to visitwhen hospitalised ≥ 8 days with nobody by his/her bedside

Shipment of the necessary medicationwhen such medication or equivalent is not available

+ hotel stay of $59/night,max. $586 incl. VAT

+ simple coffinmax $777 incl. VAT

In case of death encountered by the member…

Transportation of body to country of nationality /residence including a simple coffin

Transportation of body to country of nationality /residence after temporary burial

Transportation for a family member to attendthe place of temporary or permanent burial

Transportation for a family member to returnfrom the place of temporary or permanent burial

Transportation for other insured members to returnto the country of nationality / residence when initialscheduled flight can no longer be used

In case of life-threatening accident, serious illnesses,death of encountered by his/her family member…

Transportation to travel to the affected person's countryof nationality / residence

Transportation to return from the affected person's countryof nationality / residence

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HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.

MSH INTERNATIONAL is a world leader in the design and management of international healthcare solutions with over 275,000 insured members across more than 194 countries and 2,000 corporate clients.

MSH INTERNATIONAL is the healthcare partner for internationally mobile people worldwide:

The health care benefits of Asia care are insured by Hauteville Insurance Company Limited (Allianz Group)

The medical evacuation coverage of our plans are provided by Mondial Assistance (Allianz Group)

We operate any time of day, anywhere in the world, and always with a keen sense of premium customer service. HEALTH INSURANCE.

FOR YOU. WHEREVER. WHENEVER.

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MSH INTERNATIONAL partners with leading insurers worldwide.

sea.msh-intl.com

Do not hesitate to contact us wherever you are

AOC Insurance BrokerMaster Broker MSH International

Head Office21 rue Caillaux,75013 Paris,France

Tél Paris : +33 1 44 24 19 19 Tél Paris : +33 970 40 56 52 Tél Hong-Kong : +852 81 92 63 63

Email : broker@aoc-insurancebroker.com