Beijing Normal University-Hong Kong Baptist University United International College (UIC) Student Insurance Plan in Version for Foreign Students Ping An Annuity Insurance Company August 2014

Insurance Plan and Quotation Insurance CoverageSum InsuredClaim PercentagePremium One-year Term Life (accidental death and disease death)Insurance 250,000 YuanFull coverage 600 Yuan /person/year Accidental Disability Insurance250,000 Yuan According to the industry standards, 10 levels of disability Outpatient & Emergency Treatment20,000 Yuan no deductibles on reasonable expenses, full coverage Medical Treatment of Hospitalization (from accidental injury) 20,000 Yuan no deductibles on reasonable expenses, full coverage Hospitalization Allowance80 Yuan/day no deductibles on reasonable expenses, full coverage Medical Treatment of Hospitalization(from disease) 400,000 Yuan no deductibles on reasonable expenses, full coverage Transport Accidental Injury (AD&D) Insurance Passenger airplane 1,000,000 Yuan If the insured suffers death from the mentioned public vehicles, the benefit will be paid in a lump sum. If the insured suffers disability, the benefit will be paid according to the industry standards with 10 levels and the maximum payment will not exceed the sum insured. Passenger train,subway and light rail train 500,000 Yuan Passenger bus,tramway and taxi 200,000 Yuan Insured Period: One Year

Insurance Liabilities——One-Year Term Life Accidental Death Insurance If the insured dies due to any accident or dies within 180 days after occurrence of this accident, the Company will pay the death benefits at the sum insured for the insured and the Company’s insurance liability for the insured will terminate. Disease Death Insurance If the insured dies due to any disease, the Company will pay the death benefits at the sum insured for the insured and the Company’s insurance liability for the insured will terminate.

Insurance Liabilities——Accidental Disability Accidental Disability Insurance If the insured suffers from an accident and is disabled in one kind of disability listed in the “Schedule of Benefits for Disabilities” attached to the Contract within 180 days after occurrence of this accident, the Company will pay accidental disability benefits at the payment proportion listed in this Schedule × the sum insured for accidental injury. If the medical treatment is still not finished, disability appraisal will be performed according to the conditions of the insured on the 180th day after occurrence of accident and accidental disability benefits will be paid on this basis. If the insured is disabled in two or more kinds of disabilities in the “Schedule of Benefits for Disabilities” for the same accident, the Company will pay the aggregate of the corresponding accidental disability benefits. But if different disabilities belong to the same upper limb or the same lower limb, the Company will only pay the accidental disability benefits for one disability; if the disabilities are in different degrees of disability, the Company will pay the accidental disability benefits for the more serious disability. If the insured already suffered from a disability and suffers from a new disability for this accident, and is entitled to get the accidental disability benefits for the more serious disability, the Company will pay accidental disability.

Insurance Liabilities——Outpatient Emergency Treatment Outpatient Emergency Treatment If the insured suffers from an accident or disease, for the reasonable medical expenses of outpatient emergency treatment incurred for each treatment in a hospital and conforming to the regulations concerning the local social basic medical insurance, the Company will pay the medical benefits for outpatient emergency treatment on the basis of the deductible, no deductible of reasonable medical expenses and 100% payment as agreed for each occurrence. If the insured receives one or several outpatient emergency treatments, the Company will pay the medical benefits for outpatient emergency treatment according to the above provisions, but the aggregate of the benefits paid sums up to the sum insured of the insured. When the aggregate of the benefits paid sums up to the sum insured of the insured, the insurance liability for the insured will terminate. The Company will pay insurance benefits within the coverage of the Rider. But if the insured has been reimbursed from other channels (including, but not limited to, social medical insurance institution, working unit, any commercial insurance institution including the Company, etc), the Company will only assume the insurance liability for the remaining reasonable medical expenses conforming to the payment scope of local social medical insurance within the sum insured. If the insured receives medical treatment abroad, the reasonable medical expenses within the coverage of the insurance will be determined according to the average level of domestic same treatment.

Insurance Liabilities——Medical Treatment of Hospitalization (from accidental injury) Medical Treatment of Hospitalization (from accidental injury) If the insured suffers from an accident and is hospitalized for medical treatment, the Company will pay accidental medical benefits at 100% of the reasonable medical expenses occurring within 180 days after occurrence of this accident and conforming to the local regulations concerning basic social medical insurance with NO deducting deductible. If the insured suffers from one accident or several accidents and incurs reasonable medical expenses, the Company will pay accidental medical benefits respectively according to the above provisions, but the aggregate of the benefits paid sums up to the sum insured for the medical treatment of the insured’s accidental injury. When the aggregate of the benefits paid sums up to the sum insured for the medical treatment of the insured’s accidental injury, the insurance liability for the insured will terminate. The Company will pay insurance benefits within the coverage of the Rider. But if the insured has been reimbursed from other channels (including, but not limited to, social medical insurance institution, working unit, any commercial insurance institution including the Company, etc), the Company will only assume the insurance liability for the remaining reasonable medical expenses conforming to the payment scope of local social medical insurance within the sum insured. If the insured receives medical treatment abroad, the reasonable medical expenses within the coverage of the Rider will be determined according to the average level of domestic same treatment.

Insurance Liabilities——Hospitalization Allowance Hospitalization Allowance If the insured suffers from an accident and is diagnosed by a hospital for hospitalization within 180 days after occurrence of this accident, the Company will pay daily allowance benefits of hospitalization at the reasonable number of days of hospitalization × daily allowance of hospitalization(80 RMB per day). The daily allowance benefits of hospitalization are paid up to 180 days in the aggregate. When daily allowance benefits of hospitalization are paid to180 days in the aggregate, the insurance liability for the insured will terminate.

Insurance Liabilities——Medical Treatment of Hospitalization (from disease) Medical Treatment of Hospitalization (from disease) If the insured receives hospitalization treatment due to any disease, the Company will assume the reasonable medical treatment according to the local social medical insurance administration provisions, the Company will pay accidental medical benefits at 100% of the reasonable medical expenses. The insurance liability can only be assumed as the treatment is received domestically

Insurance Liabilities——Transport Accidental Injury Transport Accidental Death Insurance If the insured suffers from an accident when he or she, as a passenger, takes the public passenger transport vehicle insured and dies for this accident within 180 days after occurrence of this accident, the Company will pay accidental death benefits at the sum insured for accidental injury and the insurance liability for the insured shall terminate. Transport Accidental Disability Insurance If the insured suffers from an accident when he or she, as a passenger, takes the public passenger transport vehicle insured and is disabled in one kind of disability listed in the Schedule of Benefits for Disabilities” attached to the Contract within 180 days after occurrence of this accident, the Company will pay accidental disability benefits at the payment proportion listed in this Schedule X the sum insured for accidental injury. If the medical treatment is still not finished, disability appraisal will be performed according to the conditions of the insured on the 180th day after accident and accidental disability benefits will be paid on this basis.

10 理赔部门 后援中心 Claim——Claim Procedure Students receive medical treatment in hospital Submits the claiming documents to Student Service Department The insurance company comes to collect the claiming documents The insurance company accepts the claim application and evaluate the amount of benefit The insurance company issues the Claim Notice The insurance company pays the benefit directly to the account of students The claiming procedure will close in 7 workdays after the required documents are submitted completely

Claim——Required Documents Required Documents OutpatientHospitalization Claim application form√√ Original copy of medical treatment invoice √√ Printed list of medical treatment√√ Copy of medical records√√ Copy of relevant health examination reports √ Copy of relevant examination reports before the admission to hospital √ Copy of ID card with both sides√√ Copy of discharge summary√ Copy of debit card√√ Proof of the accident (from the Police)√√

Claim——Hospital Restrictions Medical institutes: A.When getting medical treatment domestically, any medical institute that can issue official invoice and accepted by the local social security is acceptable. B.When getting medical treatment abroad, there is no restriction on hospitals.

Claim——Hospital List of Zhuhai (Recommended) If the student needs to get treatment in hospital, please go to the above recommended hospitals.

Claim——Other Notes A.Emergency can be treated nearby with no hospital restriction only if the medical institute is able to provide invoice. When the patient is medically stable, he/she should transfer to hospitals with local social security accreditation. B.Please kindly remind the doctor to prescribe medicines from the list of social security. C.If the patients can get reimbursement from other approaches, they could submit the relevant claim documents to the insurance company after the reimbursement. D.If the patients can get reimbursement from other approaches, they can also apply for the claim from the insurance company first with a note – Please kindly return the original copy of receipts, on the claim application form.

Contact Ping An National Hotline ： Contact person in Zhuhai ： Name ： CHEN Bo Cell ： ：

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