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Asia care

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2013

TAILOR-MADE HEALTHCARE INSURANCE SOLUTIONS FOR ASIA

HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.

MSH INTERNATIONAL is a world leader in the design and management of international healthcare solutions.

We are specialists in international health insurance for individuals & groups worldwide.

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WHY INTERNATIONAL HEALTH INSURANCE?

35

years experience in international healthcare solutions

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Prevent high or even unaffordable medical fees

of the top leaders for international health insurance worldwide

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Unexpected medical events such as accidents and surgeries can happen anytime anywhere.

Joining an international health insurance program guarantees you will get coverage when faced with expensive medical bills.

regional headquarters: Bangkok, Calgary, Dubai, Paris, and Shanghai

> 275,000

Provide fully comprehensive coverage

insured members across more than

Apart from major medical risks, your regular health needs, such as prescribed medicines, dental care and vision care will also be provided.

194

countries

12 sales offices

Protect you and your family now: don’t wait Don’t wait until you or your family suffer from a medical condition, then it may be too late to get covered by insurance.

It is best to take the safe path and get healthcare coverage now, especially with rising medical costs.

With our 3 Asia regional headquarters, we are always close to you.

Peace of mind whenever, wherever Choosing the right international health insurance provider guarantees you’ll always get the best possible healthcare from top private or public hospitals worldwide.

CALGARY TORONTO

PARIS

LYON

Premium services

BEIJING CHENGDU

HOUSTON ABU DHABI

DUBAI

Leading international health insurance providers, such as MSH INTERNATIONAL, have their own network of medical providers worldwide; they can advise, coordinate and follow up in order to help you access the best healthcare services.

SHANGHAI WUHAN

BANGKOK

Plans for expatriates International health insurance providers, such as MSH INTERNATIONAL, offers healthcare plans for expatriates who are usually not covered by national health plans.

Payment without trouble With the right international health insurance provider, such as MSH INTERNATIONAL, you get the advantage of direct billing and therefore you do not have to pay upfront for medical expenses.

WHEREVER YOU ARE IN ASIA, WE’RE JUST A MOMENT AWAY

Direct billing is a “cashless” payment process in which health insurance companies establish agreements with medical providers so that the insured member can receive medical services without having to pay upfront or make claims afterwards.

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Asia care PLANS

KEY REASONS TO CHOOSE 9 MSH INTERNATIONAL 1.

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DESIGNED FOR EXPATRIATES

Global expertise combined with premium local services  Over 35 years of experience in international health insurance  High-quality services with true local understanding  ISO 9001 certified in 4 of our regional headquarters We are close to you  3 regional headquarters in Asia (Bangkok, Shanghai, Dubai) out of 5 headquarters worldwide  Administration center in Bangkok, Thailand, provides you with full support across Southeast Asia

Asia Care plans are tailor-made for expatriates of any nationalities living outside their countries of origin:

Extensive medical network  750,000 medical providers worldwide, including 5,000 hospitals and clinics outside the USA  Direct billing agreements with hospitals in our selected network you do not have to pay upfront for medical expenses

Individuals or families Employees of small and medium enterprises

Always available to help  24-hour assistance  Regional contact numbers  Online services

Expatriates: Their stories

In-house multicultural medical teams in 4 continents  Quick access to the best medical resources wherever and whenever you need  2nd medical opinion from medical experts

“I’m a retired restaurant owner from France. I have decided a few years ago to move permanently to Vietnam as I have married a Vietnamese woman and we’ve just had a baby together. With Asia Care, I know my family in Vietnam will be fully covered. I also love the fact that I can schedule a visit to my favourite doctor for my cardiovascular condition during my annual summer vacations in Paris!”

Fast & convenient claims process  Submit claims online with status tracking  Claim reimbursements in 150 currencies within 5 days  Direct billing with many medical providers means you often do not need to claim Service excellence  Experienced multicultural teams of 45 nationalities with more than 30 languages spoken  Asian hospitality with international professionalism  Efficient and responsive to all your needs  Unique culture of continuous improvement

“I come from Malaysia but currently live and work as an engineer in Phuket, South of Thailand. Every weekend, I usually go back to Kuala Lumpur to visit my friends and family. So I need a plan which will allow me to schedule visits with my trusted doctor back home in KL. Asia Care does just that. It also allows me to schedule visits to the doctor everywhere I go in Southeast Asia during my frequent business trips – and yet it is so affordable.”

We find solutions for you: we review your medical history in order to design the best solutions for YOU “My husband is on work assignment in Thailand and I have recently followed him from Scotland. Since then, we’ve been enjoying our vacations throughout Asia, and with Asia Care, we never have to worry about not getting medical assistance. Although I still prefer my treatments in Bangkok hospitals, it’s always a peace of mind to know we’ll also receive top healthcare services elsewhere in Asia.

We keep our promises  24/7 hotline service  Transparent and trustworthy

Once a year we usually travel to the U.S. to visit our relatives. Although this is outside Southeast Asia, we know we are always covered for emergencies”

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BENEFITS AT A GLANCE VITAL VITAL

HARMONY HARMONY

HOW TO CHOOSE YOUR PLAN OPTIMUM OPTIMUM

ASIA CARE plans provide you with comprehensive benefits with top-service guarantees. We recommend that you choose the plan most appropriate for your needs based on overall coverage and levels of benefits.

In-patient Benefits

In-patient Benefits (Hospital Services)

(Hospital Services)

Treatment for HIV and AIDS

Treatment for HIV and AIDS

Treatment for HIV and AIDS

Treatment for Congenital Anomalies

Treatment for Congenital Anomalies

Treatment for Congenital Anomalies

VITAL

Maternity and Childbirth Care

Maternity and Childbirth Care

Maternity and Childbirth Care

If you’re looking to cover the highest medical risks that require hospitalisation, Vital is the plan for you. Apart from the comprehensive in-patient benefits, we also provide you with full coverage for cancer as well as maternity & childbirth benefits.

Lifetime Renewal

Lifetime Renewal

Lifetime Renewal

HARMONY

Emergency Medical Evacuation

Emergency Medical Evacuation

Emergency Medical Evacuation

Out-patient Benefits

Out-patient Benefits

Out-patient Benefits

Dental Treatment

Dental Treatment

Dental Treatment

Vision Care

Vision Care

Vision Care

Psychiatric Treatment

Psychiatric Treatment

Psychiatric Treatment

Ancillary Charges

Ancillary Charges

Ancillary Charges

(Hospital Services)

In-patient Benefits

ESSENTIAL PROTECTION FROM THE HIGHEST RISKS

BALANCED PATH FOR HIGHER COMFORT AND CARE Harmony gives you the essential in-patient benefits, but has the additional advantages of out-patient benefits including routine health checkups, prescribed medicine, dental care, maternity & childbirth benefits as well as higher level of reimbursements.

OPTIMUM

SUPREME PROMISE OF TOTAL COVERAGE Optimum is the right choice for anyone seeking truly comprehensive coverage, from hospitalisation to out-patient care including dental, vision, and psychiatric treatment as well as maternity & childbirth benefits. Compared to other available plans, Optimum also offers the highest level of reimbursements.

Chronic conditions & Pre-existing conditions

Covered

Not Covered

Explanations  In-patient benefits are provided for a person admitted to hospitals and occupies a bed overnight or longer for medical reasons.  Congenital anomalies are defects that are present at birth.  Outpatient benefits are provided for a person who attends a hospital, consulting room, or out-patient clinic and is not admitted as a Day-Patient or an In-Patient.

All Asia Care Plans include medical evacuation and repatriation

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HOW TO CHOOSE YOUR ZONE Choose between zone 1 & 2 based on: your country of residence

PRESENCE IN ASIA COMBINED WITH LOCAL UNDERSTANDING

FYI

most frequently visited countries

1. We advise you to choose your zone according to where you would like to receive medical treatment, regardless of your country of residence.

You can, for example, choose zone 2 even though you reside in zone 1, so that you can schedule visits to your favourite doctor who works in zone 2.

2. To be eligible for Asiacare plans, you must reside in one or more countries in zone 1 or zone 2 for at least 180 days per year.

ASIA AT HEART

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Asia Care plans meet the needs of any expatriates living in Asia and are relevant to the region’s medical costs and resources. Furthermore, our presence in Asia, combined with our local understanding, guarantee we are always there to give you quality services and care whenever you need.

I live in Malaysia but I choose zone 2 to be fully covered in Hongkong, China and Singapore – where I often visit relatives

� Zone 1 :

Highly relevant medical coverage for Asia Premium local services Comprehensive benefits

Bangladesh - Bhutan - Brunei - Burma/Myanmar - Cambodia - East Timor - India - Indonesia - Laos - Malaysia Maldives - Nepal - Pakistan - Philippines - Sri Lanka - Thailand - Vietnam

Always near you (3 regional offices in Bangkok, Shanghai and Dubai)

� � Zone 2 : Countries in Zone 1 including China - Hong Kong - Japan - Macau - Mongolia - South Korea - Singapore - Taiwan

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Managed by highly-qualified teams of local and international professionals

Includes Belgium – France – Germany –Luxembourg – Netherlands for stays of less than 90 days. �

Includes Belgium – France – Germany –Luxembourg – Netherlands for stays of less than 90 days.

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FYI Contact us anytime via our website to find out more about these benefits

Benefits

ASIA CARE BENEFITS

Vital

Harmony

Optimum

$35,000

$100,000

Max. 20 days

Max. 20 days

Max. 20 days

for 30 days per medical condition

for 30 days per medical condition

for 30 days per medical condition

$1,000

$1,000

$1,000

$125

$125

$125

sea.msh-intl.com Intensive care, intensive therapy, coronary care, dependency unit

Surgical fees including anesthesia

Find out more about the eligible benefits by reviewing the table of benefits below.

Reconstructive surgery following accident/eligible medical condition

Specialist's consultations fees

The table of benefits below describes the eligible benefits depending on the plan you choose. These benefits are expressed per annual year, per insured person and are subject to limits:

Diagnostic test - pathology Xrays

Organ and bone marrow Transplant services

Cancer treatment

Benefits

Vital

Harmony

Optimum Hospice and palliative care

Annual Limit per Year & per Person

$ 1,000,000

$ 1,000,000

$ 1,600,000 Psychiatric treatment

In-patient Benefits (Hospital Services) Staying in hospital overnight or as a day case Parent accomodation with an insured child under 18

Private room up to $280 per day

Private room up to $280 per day

Private room up to $600 per day

$40 per day max 30 days

$40 per day max 30 days

$40 per day max 30 days

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Prosthetic implants & appliances

Rehabilitation

Day care treatment or Out-patient surgery *

Nursing at home or In a convalescent home

Nursing care Emergency dental treatment following an accident

Operating room, medicine & surgical dressing

Local road ambulance service

Prescription drugs and materials

Hospitalization cash benefit

MRI, PET & CT-PET scans

* Day care treatment or Out-patient surgery: treatment cost for a surgical procedure performed in a surgery, hospital, day care facility or out-patient department

Paid in full

Not Covered

KEY: WAITING PERIODS 10 The number indicates the number of months

of waiting period. Benefits will be available after the end of the waiting period.

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Paid in full

Not Covered

TABLE OF BENEFITS

Benefits

Vital

Harmony

Benefits

Optimum

Harmony

Optimum

$15,000

$25,000

$40,000

Up to $75,000

Up to $100,000

Up to $125,000

Treatment for HIV and Aids

Up to $5,500 per person & per year

Pre-operative consultation & diagnostic procedure within 15 days from the admission & post hospitalization **

Vital

Both in-and out-patient.

Maximum coverage: 5 years.

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Up to $2,000 per year

Congenital Anomalies Treatment for congenital anomalies which manifests itself after the day of entry

General practitioner fees & drugs

Vision Care Specialist fees

Up to $250 per visit

Up to $250 per visit

Including glasses, frames, contact lenses, laser treatment

Up to $800 per year

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Psychiatric Treatment Out-patient surgical procedure Lifetime limit for all psychiatric care after 18 months of policy purchase

Up to $5,000

Maternity and Childbirth Benefits

Lab tests, Xrays, diagnostic & pathology tests

Vaccinations

Normal pregnancy and delivery costs

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Complications of pregnancy and childbirth

10

Newborn care

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Up to $9,000 Up to $2,000

Chronic Conditions & Pre-existing Conditions

Prescribed medicine

Up to $2,500 Up to $4,500

COVERED upon medical acceptance

Dental Treatment Chiropractic, osteopathy, homeopathy, acupuncture treatment, traditional Chinese medecine by a recognised practitioner

Prescribed physiotherapy, complementary therapies

Prescribed medical aids (hearing aids & orthopaedic appliances)

Up to $250 (15 sessions per year)

Up to $300 (20 sessions per year)

Up to 5 visits

Up to 10 visits

Up to $250 per year

Up to $500 per year

Up to $3,000 per year with 20% co-payment

Routine dental treatment (check up, basic treatments) Major restorative dental treatment including orthodontic, prostheses bridges, implants For orthodontic & aged less than 18

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Up to $300 per year with 20% co-payment

Up to $3,500 per year with 20% co-payment

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Ancillary Charges (crutches/ wheelchair after treatment as an in-patient or day patient)

$1,000 per condition

(refer to pages 19 & 20) Routine health check up including screening for early detection (Full health screen, Mammogram, Papanicolaou (PAP) test, Prostate Cancer Screen)

** Medical practitioners fees, specialist fees, diagnostic test & prescribed drugs & dressing: pre-operative consultation & diagnostic procedure within 15 days from the admission & post-hospitalization up to $2,000

Up to $200 per year

Deductibles (optional)

Up to $500 per year

Per person per year

Paid in full

Not Covered

KEY: WAITING PERIODS 9

10 24 The number indicates the number of months

of waiting period. Benefits will be available after the end of the waiting period.

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nil, $100, $500, $1,000

Paid in full

Not Covered

SIMPLE-TO-USE INNOVATIVE TOOLS

OUR COMMITMENTS

Discover our practical & time-saving online services.

Our international team is available for you at any time.

After the successful application of your membership, you will receive your Welcome Package containing all relevant information including member’s card, insurance certificate, member’s handbook as well as access to our online services.

Whatever questions or needs you may have, our multicultural team is ready to respond in the shortest time in order to provide the best solutions and services for you.

Access our online services from our website: sea.msh-intl.com to view your policy and manage your account.

Vital

Harmony

Optimum

Here are some of the benefits of our online services:

Vital

Harmony

24/7 availability - 24 hours a day, 7 days a week

Optimum

Find medical facilities anywhere in the world using our online locator

45 nationalities with over 30 languages for truly local service wherever you go

Download our innovative smart phone apps

2 main advantages of direct billing* - no need to pay upfront - no need to make claims afterwards

Submit claims online, follow your claim status, and see claims history over the last 24 months

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1 day coverage–immediately get covered on the first day you’re accepted into membership or on any of your chosen date

Complete and print your requests for reimbursements of claims Make your requests for direct settlement of medical expenses

5 days reimbursement of claims

Contact us by leaving a message or be directed to the most appropriate help from one of our managers

150 currencies for worldwide reimbursements nd

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Print your insurance member card

medical opinion if in doubt about a diagnosis

*Only applies to medical facilities in our extensive network

Print & download your member's handbook Update your personal details: email address, mailing address, bank details ...

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Bangkok (Thailand), Paris (France), Calgary (Canada), Dubai (UAE), Shanghai (China)

MEDICAL EVACUATION / REPATRIATION

In case of accidents or illnesses encountered by the member...

Transportation to a regional hospital or nearby country Direct evacuation to country of nationality / residence if there is no suitable medical assistance nearby Transportation under medical supervision depending on the seriousness of his/her condition Transportation to country of nationality / residence after treatment, with or without hospitalisation Transportation for a family member to visit when hospitalised ≥ 8 days with nobody by his/her bedside

+ hotel stay of $59/night, max. $586 incl. VAT

Shipment of the necessary medication when such medication or equivalent is not available

In case of life-threatening accident, serious illnesses, death of encountered by his/her family member…

Transportation to travel to the affected person's country of nationality / residence Transportation to return from the affected person's country of nationality / residence

In case of death encountered by the member…

Transportation of body to country of nationality / residence including a simple coffin

+ simple coffin max $777 incl. VAT

Transportation of body to country of nationality / residence after temporary burial Transportation for a family member to attend the place of temporary or permanent burial

Medical evacuation and repatriation Medical evacuation and repatriation are important benefits that will support you through emergencies, accidents, and serious illnesses. Our 24/7 services are exclusively provided for MSH INTERNATIONAL’s members. With just one phone call, we will be right by your side in the shortest time.

Transportation for a family member to return from the place of temporary or permanent burial Transportation for other insured members to return to the country of nationality / residence when initial scheduled flight can no longer be used paid in full

The medical evacuation coverage of Asia Care is provided & managed by Mondial Assistance (Allianz Group)

HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER. 15

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MSH INTERNATIONAL partners with leading insurers worldwide.

Asia care

The health care benefits of are insured by Hauteville Insurance Company Limited (Allianz Group)

The medical evacuation coverage of our plans are provided by Mondial Assistance (Allianz Group)

MSH INTERNATIONAL is a world leader in the design and management of international healthcare solutions with over 275,000 insured members across more than 194 countries and 2,000 corporate clients.

MSH INTERNATIONAL is the healthcare partner for internationally mobile people worldwide:

We operate any time of day, anywhere in the world, and always with a keen sense of premium customer service.

HEALTH INSURANCE. FOR YOU. WHEREVER. WHENEVER.

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sea.msh-intl.com

Do not hesitate to contact us wherever you are AOC Insurance Broker Master Broker MSH International Head Office 21 rue Caillaux, 75013 Paris, France Tél Paris : +33 1 44 24 19 19 Tél Paris : +33 970 40 56 52 Tél Hong-Kong : +852 81 92 63 63 Email : broker@aoc-insurancebroker.com