Corporate Employee Benefits: Medical Insurance Programme MyGlobalBenefits Provided by Aviva Ltd, Singapore Administered by Expat Insurance Pte Ltd

Coverage Highlights High Annual Limits of US$2M No Deductible or Cost Sharing Required by Employee Global Coverage, excluding elective treatment in USA Full Accident & Emergency Treatment Covered in USA Fully Covered Outpatient Benefits Freedom of Choice for Care Full Coverage for all Pre-Existing Conditions

Summary of Core Benefits Hospitalization & Day Surgery   Room & Board in Private Hospital, Single-Bed Fully Covered X-rays, Lab Tests, Medicine, Diagnostics Surgeon's Fees (includes pre & post-surgery) Professional & Specialist Fees Parental Accommodation Cancer & Kidney Dialysis Organ Transplant Emergency Benefits Medical Evacuation & Repatriation Local Ambulance Services ER or A&E Treatment Dental Treatment, Accidental Damage Only Outpatient Benefits Physician & Specialist Consultations Prescribed Physiotherapist & Speech Therapy Alternative Medicine: chiropractor, osteo, homeopath) $1,500 Medicine & Drugs Wellness Benefits, 1 visit per year $300

Claims Process Inpatient, Hospitalisation, Surgery Call the 24-Hour Assistance Hotline: +65 6322 2567 Provide the following details: 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/reflectgeo Download & Complete Pre-Hospitalisation Form Upon approval, Aviva 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 Sign the claim form at clinic 4. The clinic will bill Aviva directly

Claims Process Outpatient Reimbursement Claims Logon to: expatinsurance.com.sg/reflectgeo Download & Complete Medical Claim Form Post Claim Form & Original Invoice/Receipts to: Aviva Ltd Customer Service – Group Health Claims 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807

*Note: All claims must be submitted within 120 days. Claims Process Outpatient Reimbursement Claims Aviva will credit your preferred bank account in the currency of your choice. *Note: All claims must be submitted within 120 days. Timeline: Upon receipt of claim form and receipts by post, Aviva will process within two weeks time.

Information Portal Your Personal Portal can be found at: (available from 8 November) www.expatinsurance.com.sg/reflectgeo -Employee Benefit Handbooks -Summary of Benefits, Policy Wording & Definitions -Claim Forms -Procedures -Emergency Contact Numbers

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