Corporate Employee Benefits: Medical Insurance Programme GlobalHealth Provided by Chartis Insurance Administered by Expat Insurance Pte Ltd

Coverage Highlights High Annual Limits of USD 2M Global Coverage, excluding North America Emergency Treatment for up to 30 days in N. America Fully Covered Outpatient Benefits Freedom of Choice for Care Direct Cashless Billing for Claims

Core Plan Details Annual Limit $2M Deductible No   $2M Deductible No Hospitalization & Outpatient Surgery Room & Board (includes general nursing care) Fully Covered X-rays, Lab Tests, Medicine, etc. Surgeon's Fees (includes pre & post-surgery) Professional & Specialist Fees Parental Accommodation (for child below Age 18) Private Home Nursing 28 weeks/disability Emergency Benefits Medical Evacuation & Repatriation ER or A&E Treatment Dental Treatment, Accidental Damage Only Pre- & Post-Hospitalization Benefits Physician & Specialist Consults Medicine, x-rays, lab tests, etc.

Outpatient Benefits   General Practice Physician Consultations Fully Covered Specialist Consultations Physiotherapist: No Referral Required $500 Chiropractor, Osteo, Homeopath, Podiatrist Physiotherapist: With a Referral Medicine & Drugs Lab Tests, Diagnostic Procedures, X-Rays Wellness Benefits, Health Screening & Vaccinations Not Offered For Cancer & Kidney Dialysis (In & Outpatient) Dental Benefits Routine Dental Treatment $700 Major Restorative Work $1,500

Claims Process Inpatient, Hospitalisation & Surgery Call the 24-Hour Assistance Hotline: +603 2772 5689 or Office Hours: +65 6557 0896 Provide the following details: Policy Number, Name of Patient, Date of Birth Name of Hospital, Date of Admission, Attending Doctor/Surgeon

Claims Process Inpatient, Hospitalisation & Surgery Logon to: expatinsurance.com.sg/nadathur Download & Complete Medical Claim Form Upon approval, GlobalHealth will arrange for direct settlement with the Hospital/Provider.

Claims Process Outpatient Claims Two Options: Visit a Cashless Outpatient Provider Visit a Doctor of Your Choice

Claims Process Cashless Outpatient Claims Visit a clinic on the Cashless Directory Present your medical card at time of visit The clinic will bill GlobalHealth directly

Claims Process Outpatient Reimbursement Claims Logon to: expatinsurance.com.sg/nadathur Download & Complete Medical Claim Form Post Claim Form & Original Invoice/Receipts to: GlobalHealth Asia 133 New Bridge Road, #17-03 Chinatown Point Singapore 059413

*Note: All claims must be submitted within 90 days of treatment. Claims Process Outpatient Reimbursement Claims GlobalHealth will issue a cheque for reimbursement which will be posted to you. *Note: All claims must be submitted within 90 days of treatment. Timeline: Upon receipt of claim form and receipts by post, GlobalHealth will process within two-three weeks time.

Information Portal Your Personal Portal can be found at: www.expatinsurance.com.sg/nadathur -Employee Benefit Handbooks -Summary of Benefits, Policy Wording & Definitions -Claim Forms -Guide to Medical Insurance -Emergency Contact Numbers

Questions? +65 6401 9201 info@expatinsurance.com.sg www.expatinsurance.com.sg/nadathur 20 Upper Circular Road The Riverwalk, #B1-52 Singapore 058416