1. Corporate Employee Benefits: Medical Insurance Programme SmartCare Optimum Provided by AXA SingaporeAdministered by Expat Insurance Pte Ltd

2. Coverage Highlights Annual Limits of S$200,000 No Deductible or Cost-Sharing Required by Employee Singapore-Focused Programme Worldwide Emergency Coverage General Practice & Specialist Outpatient Benefits Cashless Outpatient Billing & LOG Facilities Option to add your Dependents

3. Medical Insurance Benefit Limits Core Plan Details Annual Limit$200,000 Hospitalization & Outpatient Surgery Room & Board (Private Hospital) Fully Covered Surgical Expenses Fully Covered X-rays, Lab Tests, Medicine, etc Fully Covered Professional & Specialist Fees Fully Covered Accidental, Emergency Outpatient Fully Covered Cancer Treatment & Kidney Dialysis $50,000 Accidental Dental Treatment $2,000 Dread Disease Recuperation Benefit $3,000 Death Benefit & Special Grant $3,000 Evacuation & Repatriation of Remains Unlimited Pre & Post-Hospitalization Benefits Physician & Specialist Consults90 daysFully Covered Medicine, x-rays, lab tests, etc.90 daysFully Covered

4. Medical Insurance Benefit Limits Outpatient Benefits: GP Panel Care Annual Limit Unlimited Co-Payment Nil x-rays & Laboratory Care Fully Covered Visit to Non-Panel Clinic $25/visit, 2 visits/year Outpatient Benefits: Specialist Care Annual Limit Unlimited Co-Payment Nil x-rays & Laboratory Care Fully Covered Diagnostic Scans: MRI, CT, PET $500 Physiotherapy $500

5. Additional Coverage: Employees Only Personal Accident Benefits Accidental Death & Permanent Disability$250,000 *Bodily Injury caused by violent, accidental, external accidents resulting in Death or Permanent Disablement Male & Female Cancers: Lump Sum Benefit Cancers: paid upon Diagnosis$20,000 *Female- or Male-Specific Cancers, Benefit payable upon first diagnosis

6. Claims Process Inpatient, Hospitalisation, Surgery Call the Assistance Hotline: 1800 880 4741 Provide the following details: Policy Number, Name of Patient, Date of Birth Name of Hospital, Date of Admission, Attending Doctor/Surgeon

7. Claims Process Inpatient, Hospitalisation, Surgery Complete Pre-Hospitalisation Form Upon approval, AXA will arrange for direct settlement with the Hospital/Provider.

8. Two Options: 1.Visit a Cashless Outpatient Provider 2.Visit a Doctor of Your Choice Claims Process Outpatient Claims

9. 1.Visit a clinic on the Cashless Directory 2.Present your medical card at time of visit 3.The clinic will bill AXA directly Claims Process Cashless Outpatient Claims

10. Claims Process Outpatient Reimbursement Claims Complete Medical Claim Form Post Claim Form & Original Invoice/Receipts to AXA AXA will reimburse directly

11. Adding Family Members *Annual Premium, including GST Timeline: Notify within 15 days Add Your SpouseAdd One Child $1,968.80 Add Your Spouse & 1 ChildAdd Two Children $3,937.60$2,669.65 Add Your Spouse & 2 ChildrenAdd Three Children $4,638.45$3,370.50 Add Your Spouse & 3 Children $5,339.30

12. Information Portal Your Personal Portal can be found at: (available from 1 June) -Guide to your Medical Insurance Programme -Summary of Benefits, Policy Wording & Definitions -Claim Forms -Emergency Contact Numbers www.expatinsurance.com.sg/oxley

13. +65 6401 9201 info@expatinsurance.com.sg www.expatinsurance.com.sg/oxley 20 Upper Circular Road The Riverwalk, #B1-52 Singapore 058416 Questions?