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PREMIER HEALTH PLAN

A COLLABORATION BETWEEN A LEADING LOCAL INSURER AND TWO OF THE MOST RESPECTED NAMES IN GLOBAL HEALTHCARE

Insured by

This product is insured by Alltrust Insurance Co. Ltd and administrated by Bupa Global. The distributor shall not be held liable for any responsibility in relation to the investment, foreign exchange and risk management of the product.

EXCEPTIONAL SERVICE ON EVERY LEVEL For these global health plans, we deliver the exceptional high level of service for which we are renowned, and we provide cover for:

¡ In hospital and out-patient care*

¡ Treatment for cancer and other serious illnesses, for as long as needed while you are our customer

¡ Hereditary, congenital and chronic conditions

¡ Mental therapies – caring for mind as well as body

¡ HealthPro Concierge service – supporting you every step of the way

¡ Health checks – helping to prevent as much as cure

¡ Evacuation – if emergency treatment isn’t available locally, we’ll get you and one other person to where it is

¡ Transplants, rehabilitation and home nursing

WHY CHOOSE PREMIER HEALTH PLAN?

You are safe in the knowledge that your Premier Health Plan is always with you. It gives you worldwide cover, excluding in the U.S., up to USD 5m or RMB 31.5m and, should you need them, private rooms and Chinese medicines are available.

Choosing this plan means we’ll also keep an eye on your day-to-day health with a host of wellness services, including health checks and dental and eye check-ups. To find out more about our other plans in the range visit www.yongcheng.com/healthinsurance.

We have never wanted to be the same as the rest. That’s why more than 3,000 globally minded people were asked to help create our range of global health plans.

The simple tiered range brings the same great service expected from us, but it’s more than just insurance. We also focus on our customers’ all-round health through a number of wellness services included.

With clearly segmented benefits, our range brings simplicity and freedom to global healthcare so that globally minded people can choose the plan that’s right for them.

So whether in times when you need us most, like when you’re ill or facing a serious health condition, or when you’re healthy, we’ll be there.

Here you’ll find more information about our Premier Health Plan which is part of the new range.

WELCOME TO THE NEXT CHAPTER OF GLOBAL HEALTHCARE

Alltrust Insurance Company is the insurer of the Premier Health Plan. Established in 2004, Alltrust Insurance Company has quickly become one of China’s leading insurance companies, with more than 200 branches across China employing 5,000 people.

TEAMING UP WITH TWO OF THE BIGGEST,MOST TRUSTED NAMES IN GLOBALHEALTHCARE Building on the domestic success and strong reputationin China, we have teamed up with Bupa Global andBlue Cross Blue Shield Global to offer a newrange of high-quality healthcare products and services.

Customers who have U.S. coverage within their plan can now enjoy bigger benefits. This health plan does not include U.S. cover; if you would like this included, please view the rest of the global health plan range at www.yongcheng.com/healthinsurance.

LOCAL KNOWLEDGE, GLOBAL EXPERIENCE, WORLDWIDE SUPPORT

Products underwritten by and issued by Alltrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell products branded with the Blue Cross Blue Shield marks in Anguilla, Argentina, British Virgin Islands, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit www. bupaglobalaccess.com and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com

*For Major Medical Health Plan out-patient treatment is only covered in connection with an in-patient course of treatment – pre- and post-hospitalisation

SUMMARY OF BENEFITS BENEFIT AND EXPLANATION

All benefits below, even those paid in full, will contribute to the overall annual maximum limit.

Overall annual maximum

USD 5,000,000 or RMB 31,500,000

OUT-PATIENT DAY TO DAY CARE

*paid in full up to the annual maximum of out-patient day to day care limit of USD 12,500 or RMB 78,750

Annual maximum USD 12,500 or RMB 78,750

Co-insurance^ options:

¡ No co-insurance as standard ¡ Optional 20%

Please see your insurance certificate for details of any co-insurance that applies to your out-patient day to day care benefits. Please note that co-insurance does not apply to out-patient day to day care received in public hospitals in Mainland China.

Out-patient surgical operationsPaid in full*

Pathology, radiology and diagnostic tests

Specialist consultations and doctors’ fees

Paid in full* Up to 30 consultations each insurance period

Qualified nurses

Mental health

Physiotherapists, osteopaths and chiropractors

Occupational therapist and orthoptist

Footcare

Dietetic guidance Paid in full* up to 4 visits each insurance period

Prescribed medicines and dressings Up to USD 3,000 or RMB 18,900 each insurance periodDurable medical equipment

Complimentary medicines: Acupuncture, homeopathy, naturopathy, Chinese medicine and bonesetter

Up to USD 2,500 or RMB 15,750 each insurance period

PREVENTIVE TREATMENT

Health screening (waiting period 6 months) Up to USD 800 or RMB 5,040 each insurance period

Vaccinations Up to USD 750 or RMB 4,725 each insurance period

Eye test Paid in full 1 test each insurance period

Preventive dental (waiting period 6 months) Paid in full 2 visits each insurance period

BENEFIT AND EXPLANATION

DENTAL TREATMENT/HEARING AIDS/OPTICAL

Dental treatment

Accident related dental treatment

50% up to USD 2,000 or RMB 12,600 each insurance period

Routine dental (waiting period 6 months)

Major Restorative (waiting period 6 months)

Hearing aids/Optical

Hearing aids

Spectacle frames and lenses and contact lenses

IN-PATIENT CARE: FOR ALL IN-PATIENT AND DAY-PATIENT TREATMENT COSTS

Hospital accommodation, room and board Paid in full. Standard private room

Parent accommodation in hospital

Paid in full

Operating room, medicines and surgical dressings

Intensive care

Surgery, including surgeons’ and anaesthetists’ fees

Physicians’ fees

Pathology, radiology and diagnostic tests

Mental health Paid in full up to 90 days for the entire insurance period, including the renewal period

Physiotherapists, occupational therapists, speech therapists and dieticians

Paid in fullObesity surgery (waiting period of 24 months)

Prophylactic surgery

Prosthetic devices Per device up to USD 4,000 or RMB 25,200

Prosthetic implants and appliances

Paid in fullReconstructive surgery

Accident-related dental treatment

HOME NURSING; HOSPICE AND REHABILITATION

Home nursing Paid in full up to 30 days each insurance period

Hospice and palliative care Up to USD 40,000 or RMB 252,000 for the entire insurance period, including renewal

Rehabilitation (multidisciplinary rehabilitation) Paid in full up to 30 days each insurance period

^ The percentage you have to pay towards those covered benefits to which co-insurance applies, as indicated in your ‘Guide to your health plan’.

BENEFIT AND EXPLANATION

IN-PATIENT AND/OR OUT-PATIENT CARE

Advanced imagingPaid in full

Cancer treatment

Transplant services Each condition up to USD 600,000 or RMB 3,780,000

Kidney dialysis Paid in full

TRANSPORTATION/TRAVEL

Medical evacuation

Paid in fullTravel cost for an accompanying person

Travel cost for the transfer of children

Living allowance 10 days each insurance period up to USD 150 or RMB 945 per day

Local air ambulance

Paid in fullLocal road ambulance

Repatriation of mortal remains

GENERAL EXCLUSIONS

Administration / registration fees Epidemics and pandemics Mechanical or animal donor organs

Advance payments / deposits Eyesight Obesity

Artificial life maintenance Experimental treatment Persistent vegetative state (PVS) and neurological damage

Birth control Genetic testing Sexual problems

Chinese medicine (specific types) Gender issues Sleep disorders

Conflict and disaster Harmful or hazardous use of alcohol, drugs and/or medicines

Stem cells

Convalescence, nursing home and admission for general care, or staying in hospital or other establishment

Health hydros, nature cure clinics etc. Temporomandibular joint (TMJ) disorders

Cosmetic treatment Infertility treatment Treatment outside the area of cover

Developmental problems Maternity and childbirth Unrecognised medical practitioner, provider and facility

Full details of the benefits, limitations and exclusions can be found on www.yongcheng.com/healthinsurance or in the ’Guide to your health plan’ and the ‘Terms and Conditions’.

Decades of medical expertise and dedication to health, a global team of advisers and health experts who speak multiple languages, and service that exceeds expectations - these are just a few of the things that make our global health plans simply better.

THE DIFFERENCE WITH A GLOBAL HEALTH PLAN

HEALTHPRO CONCIERGE SERVICE Our team of healthcare professionals in HealthPro Concierge provides you with a range of services to support you at healthy times as well as throughout your treatment and recovery, including Second Medical Opinion from a global panel of medical specialists, a Doctor Referral service and global non-emergency and emergency assistance.

FINANCIAL REASSURANCE With a leading local insurer and two of the most respected names in global healthcare by your side, you can simply focus on enjoying life.

MULTILINGUAL ADVISERS When it comes to healthcare advice, we know that speaking to someone in your own language is more than reassuring. It’s key. For this reason, our team of advisers is able to offer help in multiple languages.

PRE-EXISTING CONDITIONS We don’t believe past health issues should stop you from enjoying your future. That’s why many pre-existing conditions can be covered under our global health plans, subject to underwriting.

FIND OUT MOREIf you’d like more information, we’re here to help. Please visit

www.yongcheng.com/healthinsurance

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优越医疗计划

由两大顶级环球医疗保健公司与中国领先的保险公司合作，携手打造优质计划及服务

承保方

本产品由永诚财产保险股份有限公司承保，并由保柏环球管理，代销机构不承担产品的投资、兑付和风险管理责任。

为何选择优越医疗计划？ 您知道优越医疗计划永远与您为 伴。该计划最高可提供 500 万美元或 3150 万元人民币的全球（不包括美国）保障，并在您有需要时提供私家病房与中药（特定类 别）。

若您选择本计划，我们便能透过健康检查、牙科检查、眼科检查等各种保健服务呵护您的日常健康。 欲了解本系列的其他计划，请浏览 www.yongcheng.com/healthinsurance

我们从来不想只同别人一样。因此，我们邀请超过 3,000 位具

有环球思维的人士，协助我们设计全球医疗计划系列产品。

本系列分级简易，每个等级都能提供我们一贯的优越服务，不

仅提供保障，更涵盖各类保健服务，能够妥善照顾客户的身心

健康。

本系列清楚区分保障范围，提供简明的全球医疗方案，具有环

球思维的您，可以自由选择最理想的计划。

无论在您健康的时候，或是生病或身体出现严重问题的时候，

我们都会在您身边。

欢迎进入全球医疗保健 服务的崭新篇章

永诚财产保险公司是全球医疗计划系列的承保方。我们成立于 2004 年，已迅速发展成为中国领先的保险公司之一，拥有 200 多家支公司和销售服务中心 － 员工超过 5,000 人。

全球医疗保健界中最大型可靠的两大品牌共同联手 凭著于中国取得之成功及声誉，保柏环球联同蓝十字蓝盾寰球，提供高质素的医疗保健计划及服务。

计划中包含美国地区保障的客户现可享有更丰富的保障。此医疗计划并不包括美国地区保障，若您希望加入这项保障，请浏览 www.yongcheng.com/healthinsurance，查阅本计划系列之其他计划级别。 全方位的卓越服务

我们的全球医疗计划提供备受赞誉的高质量服务，保障内容包括：

¡ 全面的住院及门诊服务*

¡ 癌症及其他重症治疗，让您可专注于治疗和恢复

¡ 遗传、先天性及慢性疾病

¡ 心理治疗 － 让身心都能得到照顾

¡ 专属健康助理服务 － 与您一路相伴

¡ 健康检查 － 预防胜于治疗

¡ 医疗运送－ 若当地无法提供紧急治疗，我们会将您护送至能够提供紧急治疗的地点，您也可要求安排一人随行

¡ 移植、康复护理和居家护理

本地智慧 环球实力

产品由永诚保险公司承保及发行并由保柏环球作管理，永诚保险公司是经蓝十字蓝盾协会授权的独立机构。保柏环球是保柏的业务名称，为国际医疗保健公司。保柏是永诚保险公司经蓝十字蓝盾协会授权的独立机构，唯保柏环球并未获蓝十字蓝盾协会授权以蓝十字蓝盾标誌於安圭拉，阿根廷，英属维尔京群岛，加拿大，哥斯达黎加，巴拿马，乌拉圭和美属维尔京群岛销售产品。於香港，保柏环球只获授权使用蓝盾标誌。请详细了解您保障条款以及可保障之範围。蓝十字蓝盾协会旗下拥有36间独立运作、於美国经营的蓝十字蓝盾公司。蓝十字蓝盾寰球是蓝十字蓝盾协会旗下的品牌。如欲获取更多关於保柏环球的资料，请浏览www.bupaglobalaccess.com；如欲获取更多关於蓝十字蓝盾协会的资料，则请浏览www.BCBS.com。

*卓越住院医疗计划只包括与住院治疗相关（住院前后）的门诊服务

保障摘要 保障与说明

下列保障，包括全额赔付项目，均将计入年度最高保障总额。 年度最高保障总额

年度最高保障总额 5,000,000 美元或 31,500,000 元人民币

常规门诊治疗

* 全额赔付，以一般门诊服务年度最高保障额（12,500 美元或 78,750 元人民币）为限 年度最高保障额 12,500 美元或 78,750 元人民币

自付比例^选项：

¡ 标准自付比例 0% ¡ 自选 20%

有关适用于一般门诊服务的自付比例，请参阅保险证书。请注意，自付比例将不适用于在中国大陆的公立医院接受的一般门诊服务。

门诊手术全额赔付*

病理学检测、放射检测和诊断检测及治疗

专科诊症及医生费

全额赔付*， 每个保险期以 30 次诊疗为限

合格护士护理

心理及精神科治疗

物理治疗师、骨科医生及脊椎指压治疗师

职业治疗师及视觉矫正师

足部护理

饮食指导 全额赔付*，每个保险期以 4 次咨询为限

处方药及敷料 每个保险期以 3,000 美元或 18,900 元人民币为限

耐用医疗设备

辅助药物：针灸、顺势疗法、自然疗法、 中药及跌打

每个保险期以 2,500 美元或 15,750 元人民币为限

预防性治疗

健康检查（等候期 6 个月） 每个保险期以 800 美元或 5,040 元人民币为限

疫苗接种 每个保险期以 750 美元或 4,725 元人民币为限

眼科检查 全额赔付，每个保险期以 1 次检查为限

预防性牙科治疗（等候期 6 个月） 全额赔付，每个保险期以 2 次诊症为限

保障与说明

牙科治疗/助听器/眼科

牙科治疗

意外事故相关牙科治疗

每个保险期的支付比例为50%， 以 2,000 美元或 12,600 元人民币为限

常规牙科治疗（等候期 6 个月）

主要修复性牙科治疗（等候期 6 个月）

助听器/眼科

助听器

镜架、镜片及隐形眼镜

住院服务：住院及日间留院治疗费

住院费用（包括食宿） 全额赔付。标准单人病房

父母陪伴留宿医院

全额赔付

手术室、药物及敷料

重症监护

手术，包括外科医生及麻醉师费

内科医生费

病理学检测、放射检测和诊断检测及治疗

心理及精神科治疗 全额赔付，整个保险期以 90 天为限，包括续保期

物理治疗师、职业治疗师、语言治疗师与营养师

全额赔付减重手术（等候期 24 个月）

预防性手术

人造器官装置 每项装置以 4,000 美元或 25,200 元人民币为限

植入式人造器官及人造器官设备

全额赔付重建手术

意外事故相关牙科治疗

居家护理、临终关怀与康复护理

居家护理 全额赔付，每个保险期以 30 日为限

临终关怀与缓和治疗 整个保险期上限为 40,000 美元 或 252,000 元人民币，包括续保期

康复护理（跨领域康复） 全额赔付，每个保险期以 30 日为限

^ 您在涉及自付比例的保障项目中必须自行负担的百分比，详见您的“医疗计划指南”。

备有通晓多种语言的全球顾问及医疗专家团队，提供超越您所预期的服务，並具有下列优势，无疑是您较佳的选择。

全球医疗计划系列的独特之处

专属健康助理服务 专属健康助理服务是由医学专业人员组成的团队为您提供的一系列服务，无论您身体健康、处于治疗中、或者处于治疗恢复时期，都将为您提供支持，包括来自全球专科医生团队的第二诊疗意见、医生推荐服务以及全球非紧急健康护理支持和紧急救援服务等。

财务保障 由中国领先的承保方，联同全球医疗保健界中最大型可靠的两大品牌守护下，您可以专心享受人生。

保障与说明

住院及/或门诊服务

先进扫描全额赔付

癌症治疗

器官移植服务 每项病症以 600,000 美元或 3,780,000 元人民币为限

肾脏透析 全额赔付

运送/交通

医疗运送

全额赔付同行人士交通费

同行儿童交通费

生活费 每个保险期以 10 日， 每日以 150 美元或 945 元人民币为限

本地救护直升机

全额赔付本地救护车

遗体运返

常规除外责任

手续费/行政费 流行病及广泛性流行病 机械或动物捐赠器官

预缴款项/订金 视力 肥胖症

人工生命维持 实验性治疗 持续性植物状态 (PVS) 及神经损伤

避孕 基因检测 性问题

中药（特定类别） 性别问题 睡眠障碍

冲突及灾害 酒精、毒品及/或药物之伤害性或有害使用 干细胞

康复疗养、看护中心、入住一般看护机构、留院或其他机构 水疗、自然疗法诊所等 颞颚关节 (TMJ) 障碍症

整形治疗 不孕治疗 保障区域之外的治疗

发展问题 产科及分娩 未经认可的医疗从业人员、医疗服务提供人员及医疗服务提供者

欲了解详细保障、限制及除外责任，请浏览 www.yongcheng.com/healthinsurance 或参阅 “医疗计划指南”和“医疗计划细则（补充说明）”。

多种语言顾问 我们了解，在寻求医疗意见时，您希望使用自己熟悉的语言。为了让您感到安心，我们的顾问团队提供多种语言服务。

既有病症 我们认为，过去的健康问题不该影响您的未来。因此，当您加入我们的全球医疗计划时，经核保後，您可以将多种已存在病症纳入保障范围。

了解更多如果您想了解更多计划详情，我们很乐意为您服务。

www.yongcheng.com/healthinsurance

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