1. Corporate Employee Benefits: Medical Insurance Programme Tailored Benefits Programme Provided by AXAAdministered by Expat Insurance Pte Ltd

2. Coverage Highlights High Annual Limits of S$2M Global Coverage, excluding elective treatment in USA Emergency Treatment Covered in USA Fully Covered Outpatient Benefits Freedom of Choice for Care Direct Cashless Billing for Claims Full Coverage for all Pre-Existing Conditions

3. Summary of Core Benefits Hospitalization & Day Surgery Room & Board in Private Hospital, Single-BedFully Covered X-rays, Lab Tests, Medicine, DiagnosticsFully Covered Surgeon, Professional & Specialist FeesFully Covered Parental Accommodation$200 Organ TransplantFully Covered Cash Benefit (if no claims made for medical expenses)$200 Cancer & Kidney Dialysis: Inpatient or Outpatient3 Years of Treatment Days Emergency Benefits Medical Evacuation & RepatriationUnlimited Local Ambulance ServicesFully Covered ER or A&E TreatmentFully Covered Dental Treatment, Accidental Damage OnlyFully Covered Outpatient Benefits Physician & Specialist Consultations & Prescribed PhysioFully Covered Chiropractor, Acupuncture, Homeopathy, Osteopathy$800 Medicine & DrugsFully Covered X-rays, Lab Tests, Medicine, DiagnosticsFully Covered Vaccinations$1,600 Dental: Oral & Maxillofacial Surgery (*refer to treatment list) Fully Covered Dental: Routine Care80% of expenses, $1,600

4. Dental Benefits* Oral & Maxillofacial Surgery Surgical removal of impacted/un-erupted teeth and buried teeth (tooth/teeth must be symptomatic or causing damage to an adjacent tooth) Surgical removal of complicated buried roots (roots must be diseased or causing symptoms, or flap of gum is raised and bone is removed) Enucleation (removal) of cysts of the jaw Treatment of cancers Temporal Mandibular Joint (TMJ)

5. Claims Process Inpatient, Hospitalisation & Surgery Call the 24-Hour Assistance Hotline: 1800 880 8181 Provide the following details: Policy Number, Name of Patient, Date of Birth Name of Hospital, Date of Admission, Attending Doctor/Surgeon

6. Claims Process Inpatient, Hospitalisation & Surgery Logon to: expatinsurance.com.sg/tum Download & Complete Direct Billing Form Upon approval, AXA will arrange for direct settlement with the Hospital/Provider.

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

8. 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

9. Claims Process Outpatient Reimbursement Claims Logon to: expatinsurance.com.sg/tum Download & Complete Appropriate Claim Form Post Claim Form & Original Invoice/Receipts to: AXA Insurance Singapore Health Service Team 8 Shenton Way, #27-01 AXA Tower, Singapore 068811

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

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

12. +65 6401 9201 info@expatinsurance.com.sg www.expatinsurance.com.sg/tum 20 Upper Circular Road The Riverwalk, #B1-52 Singapore 058416 Questions?