1 GenHealth Medical Insurance GenHealth at a glance Health allows us to pursue our dreams. Sickness comes unexpectedly as we age and when it finally h

Transcription

1 GenHealth Medical Insurance 1 智康健醫療保障計劃 GenHealth Medical Insurance

2 1 GenHealth Medical Insurance GenHealth at a glance Health allows us to pursue our dreams. Sickness comes unexpectedly as we age and when it finally happens, using the best available cure will be no doubt the priority. However, better cure is expensive. While health care cost continues to outrun everything because of the advancement of medical technology as well as the growing demand from our aging population, such risk is financially too substantial to be underestimated. Therefore, it is crucial to get prepared and so, to prevent our saving from being drained by medical expenses and to dodge the fi nancial strike against the lifestyle and welfare of our family (1) 350,000 (2) / ( ) 24 Three annual deductible options to save your budget To suit your budget and any other insurance policies you may have, you can choose from three levels of annual deductible for core Hospital and Surgical benefit. GenHealth also guarantees you with the right to reduce the deductible when you retire 1. Guaranteed renewal up to age 99 2 Once you are insured under GenHealth medical plan, guarantee renewal is arranged with cover available up to age 99. No claim discount 3 % discount 3 will be offered on the renewed premium if there is no hospitalization claims paid within the three (3) consecutive years before the renewal. Optional Cover 2 (1) Supplementary Major Medical Benefit Provides supplementary coverage for higher medical protection up to HK$350,000 per disability. (2) Outpatient Benefit Provides cover on the clinical expenses includes general medical practitioner consultation, Chinese medicine practitioner consultation (chinese herbalist, bonesetting and acupuncture), physiotherapy/ chiropractic treatment (if applicable) received in clinic. Free 24-hour worldwide assistance and helpline service Emergency evacuation for medical reason is available when travelling abroad and emergency hotline service gives you unlimited access to telephone medical advice, travel information and legal assistance when needed () ( 74 ) 3 % Remarks: 1 You can opt to reduce one level deductible without underwriting upon renewal at which you will have attained age 55, 60 or 65 provided that you have been insured in the GenHealth plan for at least 5 continuous years. The arrangement can be used once only in lifetime. 2 Policy renewal is arranged by Assicurazioni Generali S.p.A. Hong Kong Branch ("Generali") and Generali reserves the right to amend the premium rates, benefits, terms and conditions of the policy on renewal (Supplementary Major Medical Benefit and Outpatient Benefit are renewable up to age 74). 3 The discount amount equals to the premium of "Hospital & Surgical" benefit of the year immediately preceding the fourth renewal year multiplied by %. Maximum cumulative no claim discount shall be %.

3 GenHealth Medical Insurance ( 23 ) ( ) 2. ( ) 1. ( ) Eligibility 1. Applicant must be Hong Kong resident and aged between 18 and 64 years old at application and he/she can include his/her dependants in the same application. All proposed insured persons must be Hong Kong residents. Eligible dependants are: Legal spouse aged between 18 and 64 years old; and Unmarried child(ren) aged between 15 days to 17 years (or below 23 years if attending full time education). 2. Same plan must be selected for all insured person(s) (include the Applicant) in the application. Main Exclusions 1. Congenital conditions, pre-existing conditions, pregnancy or childbirth, cosmetic surgery, dental care (unless resulting from accidental injury), drug or alcohol abuse, general check-up, HIV and HIV-related illnesses including AIDS, or all sickness occurring within 30 days from the effective date, reinstatement date or issue date. 2. Treatment or surgery for tonsils, adenoids and hernia or a disease peculiar to the female generative organs within 120 days from the effective date or reinstatement date or issue date. 3. Circumcision before attaining the age of Any medical services which are not medically necessary or any charges exceeding the normal and customary charges. 5. Radiotherapy & Chemotherapy Benefit will not be payable if the Insured Person suffers from cancer within 60 days from the effective date, reinstatement date or issue date. 6. Renal Dialysis Benefit will not be payable if the Insured Person suffers from chronic and irreversible kidney failure within 60 days from the effective date, reinstatement date or issue date. Important notes 1. Cover does not begin until the application has been accepted and premium was received. 2. This brochure is a general summary only. Please refer to the policy for details of terms and condition. In case of discrepancies between English and Chinese version of this brochure, the English version shall prevail.

4 3 GenHealth Medical Insurance Benefit Table - (A) Core coverage - (A) Hospitalization & Surgical benefit Hospitalization & Surgical benefit ( ) Annual deductible (HK$) Accommodation level Daily Room and board 1 Maximum amount per day Maximum days per disability Ward ( ) Maximum limit per Insured Person (HK$) 0/,000/ 25,000 Semi-private 1, Private Hospital services Maximum limit per disability,500 21,000 30,000 Intensive care Maximum amount per day Maximum days per disability + Home nursing + Maximum amount per day Maximum days per disability ( ) Surgeon s fee (per disability) Complex Major Super Major Major Intermediate Minor ( ) Anaesthetist s fees (per disability) ( ) Operating theatre fees (per disability) In-patient physician consultation fees Maximum amount per day Maximum days per disability In-patient specialist consultation fees Maximum limit per disability 3, ,000 33,000 22,000,000 4, , ,000 60,000 40,000 20,000 8,200 35% 35% of surgeon s fee payable 35% 35% of surgeon s fee payable 1, ,600 90, ,000 70,000 46,000 22,000,000 3, ,200 5,500 7,500 Post-hospitalization out-patient follow-up Maximum limit per disability 1,200 2,480 5,000 / / ( ) Renal dialysis/chemotherapy/radiotherapy treatment (outpatient only) Maximum limit per year ( ) Per lifetime limit (renal dialysis) ( / ) Per lifetime limit (chemotherapy/ radiotherapy) Alternative daily cash for hospitalization at general ward of Government Hospitals Amount per day Maximum days per disability This benefit item is payable in lieu of other benefit items under Hospitalization & Surgical benefit., ,000 50, , ,000 0, , , , Accidental death,000 20,000 30, Compassion benefit 1,500 3,000 5, Annual overall limit (applicable after the policy anniversary at which the insured person attains age 70) 200, , ,

5 GenHealth Medical Insurance 4 - (B) (SMM) Optional coverage - (B) Supplementary Major Medical (SMM) benefit (SMM) Supplementary Major Medical (SMM) benefit Accommodation restriction Reimbursement % Maximum limit per disability 70 SMM lifetime limit (applicable to claims incurred after the policy anniversary at which the insured person attains age 70) ( ) Maximum limit per Insured Person (HK$) Ward Semi-private Private 80% 80% 80% 0, , , daily room & board charge, physician fee will be reibursed after hospitalized for more than 90days 150, , ,000 - (C) Optional coverage - (C) Outpatient benefit Outpatient benefit Reimbursement % General medical practitioner consultation 1 Maximum benefit limit per visit Chinese medicine practitioner consultation 2 Maximum benefit limit per visit Maximum visits per year Max. 1 visit per day for items (1+2) + Chiropractic treatment + 3 Maximum benefit limit per visit 5 Maximum 5 visits per year 1, Max. 25 visits per year for items (1+2+3) + Physiotherapy + 4 Maximum limit per visit Maximum visits per year Max. 1 visit per day for items (3+4) + Specialist consultation + Maximum benefit limit per visit 5 1 Maximum 1 visit per day Maximum visits per year 6 + Prescribed Western medication (outside clinic) + Max. benefit limit per year 7 X + X-ray and laboratory tests + Max. benefit limit per year Annual overall limit + + Written referral by a Registered Medical Practitioner in western medicine is required for these services ( ) Maximum limit per Insured Person (HK$) 80% 80% 0% N/A N/A ,000 3,000 5,000 1,000 3,000 5,000 N/A N/A 25,000

6 5 GenHealth Medical Insurance ( ) Annual premium rate (HK$) Effective from 24 March 2017 Plan ( ) Deductible (HK$) Male (A) Hospital & Surgical benefit (B) ( ) SMM benefit (Optional) 0,000 25,000 0,000 25,000 0,000 25,000 N/A 15 days to 4 2,441 1,953 1,465 4,991 4,442 3,793 8,385 7,714 6, ,050 1, ,638 1, ,773 2,468 2,7 4,728 4,350 3, , ,638 1, ,773 2,468 2,7 4,728 4,350 3, , ,630 1, ,773 2,468 2,7 4,728 4,350 3, , ,630 1, ,773 2,468 2,7 4,728 4,350 3, , ,630 1, ,785 2,479 2,117 4,728 4,350 3, ,583 1,608 1, ,785 2,479 2,117 4,605 4,237 3, ,007 1, ,516 1, ,793 2,486 2,123 4,644 4,272 3, ,017 1, ,526 1, ,800 2,492 2,128 4,683 4,308 3, ,027 1, ,535 1, ,812 2,503 2,137 4,723 4,345 3, ,034 1, ,546 1, ,826 2,515 2,148 4,762 4,381 3, ,034 1, ,559 1, ,842 2,529 2,160 4,802 4,418 3, ,024 2, ,572 1, ,868 2,553 2,180 4,878 4,488 4, ,024 2, ,585 1, ,868 2,553 2,180 4,954 4,558 4, ,044 2, ,630 1, ,016 2,684 2,292 5,031 4,629 4, ,075 2, ,643 1, ,044 2,709 2,313 5,8 4,699 4, ,7 2, ,656 1, ,071 2,733 2,334 5,185 4,770 4, ,139 2, ,669 1,335 1,001 3,098 2,757 2,354 5,261 4,840 4, ,171 2, ,682 1,346 1,009 3,126 2,782 2,376 5,338 4,911 4, ,203 2, ,695 1,356 1,017 3,153 2,806 2,396 5,415 4,982 4, ,234 2, ,709 1,367 1,025 3,182 2,832 2,418 5,492 5,053 4, ,264 2, ,727 1,382 1,036 3,219 2,865 2,446 5,568 5,123 4, ,278 2, ,755 1,404 1,053 3,277 2,917 2,491 5,646 5,194 4, ,292 2, ,774 1,419 1,064 3,317 2,952 2,521 5,725 5,267 4, ,305 2, ,792 1,434 1,075 3,356 2,987 2,551 5,803 5,339 4, ,318 2, ,813 1,450 1,088 3,399 3,025 2,583 5,915 5,442 4, ,327 2, ,012 1,6 1,207 3,755 3,342 2,854 6,056 5,572 5, ,333 2, ,061 1,649 1,237 3,867 3,442 2,939 6,224 5,726 5, ,345 2, ,084 1,667 1,250 3,915 3,484 2,975 6,392 5,881 5, ,368 2, ,7 1,686 1,264 3,964 3,528 3,013 6,566 6,041 5, ,396 2, ,131 1,705 1,279 4,015 3,573 3,051 6,738 6,199 5, ,426 2, ,156 1,811 1,423 4,068 3,702 3,254 6,912 6,497 5, ,458 2, ,207 1,854 1,457 4,144 3,771 3,315 7,089 6,664 6, ,487 2, ,240 1,882 1,478 4,214 3,835 3,371 7,282 6,845 6, ,529 2, ,275 1,911 1,502 4,288 3,902 3,430 7,494 7,044 6, ,575 2, ,3 1,940 1,525 4,361 3,969 3,489 7,706 7,244 6, ,624 3, ,357 1,980 1,556 4,435 4,036 3,548 7,918 7,443 6, ,673 3, ,470 2,075 1,630 4,649 4,231 3,719 8,153 7,664 7, ,7 3, ,523 2,119 1,665 4,780 4,350 3,824 8,476 7,967 7, ,716 3, ,585 2,171 1,706 4,994 4,545 3,995 8,849 8,318 7, ,761 3, ,647 2,223 1,747 5,205 4,737 4,164 9,222 8,669 7, ,825 3, ,709 2,276 1,788 5,430 4,941 4,344 9,595 9,019 8, ,901 3, ,858 2,401 1,886 5,655 5,146 4,524 9,976 9,377 8, ,980 3, ,922 2,454 1,929 5,871 5,343 4,697,365 9,743 8, ,053 3, ,991 2,512 1,974 6,1 5,552 4,881,781,134 9,272 1,032 2,116 3, ,066 2,575 2,024 6,323 5,754 5,058 11,233,559 9,660 1,084 2,176 4,0 50 3,418 2,871 2,256 6,587 5,994 5,270 11,691,990,054 1,150 2,243 4, ,622 3,187 2,644 6,865 6,384 5,767 12,153 11,545,816 1,216 2,318 4, ,720 3,274 2,716 7,158 6,657 6,013 12,621 11,990 11,233 1,254 2,334 4, ,830 3,370 2,796 7,484 6,960 6,287 13,092 12,437 11,652 1,320 2,425 4, ,947 3,473 2,881 7,835 7,287 6,581 13,778 13,089 12,262 1,379 2,590 4, ,213 3,707 3,075 8,250 7,673 6,930 14,501 13,776 12,906 1,496 2,831 5,064

7 GenHealth Medical Insurance 6 Plan ( ) Deductible (HK$) Male (A) Hospital & Surgical benefit (B) ( ) SMM benefit (Optional) 0,000 25,000 0,000 25,000 0,000 25,000 N/A 56 4,590 4,039 3,351 8,716 8,6 7,321 15,264 14,501 13,585 1,563 2,971 5, ,731 4,163 3,454 9,140 8,500 7,678 16,056 15,253 14,290 1,643 3,138 5, ,872 4,287 3,557 9,613 8,940 8,075 16,856 16,013 15,002 1,719 3,311 5, ,013 4,411 3,659,7 9,400 8,490 17,669 16,786 15,725 1,796 3,484 6, ,679 5,111 4,430,892,293 9,476 18,511 17,771 16,845 1,895 3,651 6, ,970 5,373 4,657 11,413,785 9,929 19,371 18,596 17,628 1,940 3,855 6, ,172 5,555 4,814 11,916 11,261,367 20,235 19,426 18,414 2,014 4,085 6, ,408 5,767 4,998 12,502 11,814,877 21,152 20,306 19,248 2,121 4,345 7, ,664 5,998 5,198 13,075 12,356 11,375 22,087 21,204 20,099 2,285 4,563 7,597 65* 7,062 6,497 5,861 13,611 13,067 12,250 23,6 22,413 21,489 2,553 4,774 8,533 66* 7,756 7,136 6,437 14,165 13,598 12,749 24,055 23,333 22,371 2,7 5,052 8,886 67* 7,952 7,316 6,600 14,769 14,178 13,292 25,007 24,257 23,257 2,861 5,336 9,242 68* 8,150 7,498 6,765 15,400 14,784 13,860 25,966 25,187 24,148 3,014 5,626 9,598 69* 8,372 7,702 6,949 16,0 15,456 14,490 27,052 26,240 25,158 3,172 5,912,003 70* 8,925 8,211 7,408 16,802 16,130 15,122 28,143 27,299 26,173 3,343 6,224,408 71* 9,152 8,420 7,596 17,535 16,834 15,782 29,239 28,362 27,192 3,507 6,541,817 72* 9,382 8,631 7,787 18,292 17,560 16,463 30,340 29,430 28,216 3,682 6,849 11,227 73* 9,678 8,904 8,033 19,114 18,349 17,203 31,572 30,625 29,362 3,882 7,209 11,686 74*,112 9,303 8,393 19,941 19,143 17,947 32,767 31,784 30,473 4,086 7,562 12,131 75*,196 9,380 8,463 20,255 19,445 18,230 32,832 31,847 30,534 76*,421 9,587 8,649 20,567 19,744 18,5 32,897 31,9 30,594 77* 11,114,225 9,225 21,137 20,292 19,023 32,962 31,973 30,655 78* 11,292,389 9,372 22,506 21,606 20,255 33,026 32,035 30,714 79* 11,473,555 9,523 22,661 21,755 20,395 33,092 32,099 30,776 80* 11,670,736 9,686 22,830 21,917 20,547 33,223 32,226 30,897 81* 11,878,928 9,859 23,137 22,212 20,823 33,355 32,354 31,020 82* 12,084 11,117,030 23,649 22,703 21,284 33,487 32,482 31,143 83* 12,300 11,316,209 24,073 23,1 21,666 33,620 32,611 31,267 84* 12,521 11,519,392 24,506 23,526 22,055 33,753 32,740 31,390 85* 12,747 11,727,580 24,595 23,611 22,136 33,887 32,870 31,515 86* 12,807 11,782,630 25,067 24,064 22,560 34,021 33,000 31,640 87* 12,864 11,835,677 25,172 24,165 22,655 34,156 33,131 31,765 N/A 88* 12,919 11,885,723 25,292 24,280 22,763 34,291 33,262 31,891 89* 12,979 11,941,773 25,406 24,390 22,865 34,428 33,395 32,018 90* 13,041 11,998,824 25,538 24,516 22,984 34,598 33,560 32,176 91* 13,7 12,058,879 25,662 24,636 23,096 34,770 33,727 32,336 92* 13,169 12,115,930 25,796 24,764 23,216 34,943 33,895 32,497 93* 13,235 12,176,985 25,920 24,883 23,328 35,115 34,062 32,657 94* 13,298 12,234 11,037 26,046 25,004 23,441 35,289 34,230 32,819 95* 13,361 12,292 11,090 26,181 25,134 23,563 35,463 34,399 32,981 96* 13,432 12,357 11,149 26,307 25,255 23,676 35,640 34,571 33,145 97* 13,498 12,418 11,203 26,441 25,383 23,797 35,818 34,743 33,311 98* 13,568 12,483 11,261 26,567 25,504 23,9 35,995 34,915 33,475 99* 13,635 12,544 11,317 26,7 25,642 24,039 36,173 35,088 33,641 * * For renewal only

8 7 GenHealth Medical Insurance ( ) Annual premium rate (HK$) Effective from 24 March 2017 Plan ( ) Deductible (HK$) Female (A) Hospital & Surgical benefit (B) ( ) SMM benefit (Optional) 0,000 25,000 0,000 25,000 0,000 25,000 N/A 15 days to 4 2,072 1,658 1,243 4,089 3,639 3,8 7,328 6,742 6, , ,706 1,365 1,024 3,033 2,699 2,305 5,644 5,192 4, , ,706 1,365 1,024 3,033 2,699 2,305 5,644 5,192 4, , ,699 1,359 1,019 3,033 2,699 2,305 5,644 5,192 4, , ,699 1,359 1,019 3,033 2,699 2,305 5,644 5,192 4, , ,659 1, ,961 2,635 2,250 5,404 4,972 4, ,681 1,659 1, ,009 2,678 2,287 5,404 4,972 4, , ,659 1, ,011 2,680 2,288 5,404 4,972 4, , ,659 1, ,011 2,680 2,288 5,404 4,972 4, , ,659 1, ,011 2,680 2,288 5,404 4,972 4, , ,659 1, ,011 2,680 2,288 5,404 4,972 4, , ,664 1, ,011 2,680 2,288 5,437 5,002 4, , ,673 1,338 1,004 3,011 2,680 2,288 5,492 5,053 4, , ,692 1,354 1,015 3,020 2,688 2,295 5,605 5,157 4, , ,744 1,395 1,046 3,194 2,843 2,427 5,722 5,264 4, , ,765 1,412 1,059 3,237 2,881 2,460 5,849 5,381 4, , ,789 1,431 1,073 3,288 2,926 2,499 5,998 5,518 4, ,015 1, ,814 1,451 1,088 3,360 2,990 2,554 6,147 5,655 5, ,069 2, ,842 1,474 1,5 3,478 3,095 2,643 6,297 5,793 5, ,128 2, ,898 1,518 1,139 3,606 3,209 2,741 6,448 5,932 5, ,192 2, ,949 1,559 1,169 3,717 3,308 2,825 6,602 6,074 5, ,258 2, ,009 1,607 1,205 3,835 3,413 2,915 6,763 6,222 5, ,322 2, ,078 1,662 1,247 3,995 3,556 3,036 6,972 6,414 5, ,365 2, ,135 1,708 1,281 4,152 3,695 3,156 7,195 6,619 5, ,409 2, ,200 1,760 1,320 4,302 3,829 3,270 7,423 6,829 6, ,455 2, ,273 1,818 1,364 4,341 3,863 3,299 7,686 7,071 6, ,580 2, ,344 1,875 1,406 4,587 4,082 3,486 7,965 7,328 6, ,580 2, ,411 1,929 1,447 4,720 4,201 3,587 8,255 7,595 6, ,588 2, ,478 1,982 1,487 4,875 4,339 3,705 8,552 7,868 7, ,601 2, ,551 2,041 1,531 5,0 4,459 3,808 8,851 8,143 7, ,609 2, ,640 2,112 1,584 5,140 4,575 3,906 9,151 8,419 7, ,638 2, ,709 2,276 1,788 5,279 4,804 4,223 9,452 8,885 8, ,661 3, ,804 2,355 1,851 5,417 4,929 4,334 9,755 9,170 8, ,694 3, ,876 2,416 1,898 5,571 5,070 4,457,058 9,455 8, ,711 3, ,942 2,471 1,942 5,703 5,190 4,562,364 9,742 8, ,762 3, ,048 2,560 2,012 5,863 5,335 4,690,671,031 9, ,796 3, ,165 2,659 2,089 6,078 5,531 4,862,978,319 9,441 1,023 1,829 3, ,337 2,803 2,202 6,341 5,770 5,073 11,287,6 9,707 1,082 1,893 3, ,482 2,925 2,298 6,582 5,990 5,266 11,596,900 9,973 1,1 1,936 3, ,588 3,014 2,368 6,785 6,174 5,428 11,908 11,194,241 1,139 1,988 3, ,683 3,094 2,431 6,968 6,341 5,574 12,230 11,496,518 1,164 2,050 3, ,763 3,161 2,484 7,152 6,508 5,722 12,561 11,807,802 1,196 2,083 3, ,828 3,216 2,526 7,314 6,656 5,851 12,898 12,124 11,092 1,227 2,130 3, ,890 3,268 2,567 7,466 6,794 5,973 13,236 12,442 11,383 1,257 2,178 3, ,950 3,318 2,607 7,600 6,916 6,080 13,574 12,760 11,674 1,290 2,245 4, ,006 3,365 2,644 7,735 7,039 6,188 13,915 13,080 11,967 1,319 2,293 4, ,053 3,405 2,675 7,855 7,148 6,284 14,257 13,402 12,261 1,354 2,398 4, ,4 3,612 2,996 7,973 7,415 6,697 14,602 13,872 12,996 1,395 2,511 4, ,152 3,654 3,031 8,3 7,536 6,807 14,951 14,203 13,306 1,429 2,630 5, ,204 3,700 3,069 8,241 7,664 6,922 15,301 14,536 13,618 1,474 2,774 5, ,275 3,762 3,121 8,395 7,807 7,052 15,650 14,868 13,929 1,517 2,945 5, ,481 3,943 3,271 8,612 8,009 7,234 16,201 15,391 14,419 1,647 3,262 6,054

9 GenHealth Medical Insurance 8 Plan ( ) Deductible (HK$) * * For renewal only Female (A) Hospital & Surgical benefit (B) ( ) SMM benefit (Optional) 0,000 25,000 0,000 25,000 0,000 25,000 N/A 56 4,770 4,198 3,482 8,998 8,368 7,558 16,778 15,939 14,932 1,718 3,476 6, ,870 4,286 3,555 9,204 8,560 7,731 17,360 16,492 15,450 1,804 3,698 6, ,971 4,374 3,629 9,470 8,807 7,955 17,949 17,052 15,975 1,907 3,922 7, ,4 4,492 3,726 9,889 9,197 8,307 18,726 17,790 16,666 2,031 4,033 7, ,762 5,186 4,494,887,288 9,472 19,582 18,799 17,820 2,172 4,3 7, ,138 5,524 4,788 11,405,778 9,922 20,587 19,764 18,734 2,207 4,149 8, ,258 5,632 4,881 11,775 11,127,244 21,709 20,841 19,755 2,302 4,8 8, ,440 5,796 5,023 12,249 11,575,657 22,858 21,944 20,801 2,421 4,041 8, ,635 5,972 5,175 12,835 12,129 11,166 24,027 23,066 21,865 2,535 4,199 8,513 65* 6,979 6,421 5,793 13,402 12,866 12,062 25,253 24,495 23,485 2,658 4,297 8,769 66* 7,690 7,075 6,383 14,334 13,761 12,901 26,459 25,665 24,607 2,789 4,557 9,191 67* 7,904 7,272 6,560 14,762 14,172 13,286 27,667 26,837 25,730 2,921 4,835 9,615 68* 8,119 7,469 6,739 15,303 14,691 13,773 28,881 28,015 26,859 3,054 5,111,039 69* 8,432 7,757 6,999 16,060 15,418 14,454 30,677 29,757 28,530 3,248 5,546,669 70* 9,074 8,348 7,531 17,033 16,352 15,330 32,477 31,503 30,204 3,443 5,745 11,299 71* 9,391 8,640 7,795 17,914 17,197 16,123 34,282 33,254 31,882 3,638 6,3 11,930 72* 9,708 8,931 8,058 18,964 18,205 17,068 36,090 35,007 33,564 3,836 8,174 12,563 73*,075 9,269 8,362 20,012 19,212 18,011 38,009 36,869 35,348 4,063 8,280 13,234 74*,430 9,596 8,657 21,187 20,340 19,068 39,877 38,681 37,086 4,280 8,473 13,888 75* 11,162,269 9,264 21,722 20,853 19,550 39,957 38,758 37,160 76* 11,294,390 9,374 22,067 21,184 19,860 40,036 38,835 37,233 77* 11,471,553 9,521 23,407 22,471 21,066 40,115 38,912 37,307 78* 11,654,722 9,673 23,443 22,505 21,099 40,195 38,989 37,381 79* 11,843,896 9,830 23,607 22,663 21,246 40,274 39,066 37,455 80* 12,051 11,087,002 23,786 22,835 21,407 40,434 39,221 37,604 81* 12,260 11,279,176 24,191 23,223 21,772 40,595 39,377 37,753 82* 12,476 11,478,355 24,635 23,650 22,172 40,756 39,533 37,903 83* 12,697 11,681,539 25,059 24,057 22,553 40,916 39,689 38,052 84* 12,928 11,894,730 25,526 24,505 22,973 41,079 39,847 38,203 85* 13,160 12,7,923 26,023 24,982 23,421 41,242 40,005 38,355 86* 13,222 12,164,974 26,9 25,065 23,498 41,405 40,163 38,507 87* 13,280 12,218 11,022 26,229 25,180 23,606 41,570 40,323 38,660 N/A 88* 13,341 12,274 11,073 26,350 25,296 23,715 41,736 40,484 38,814 89* 13,401 12,329 11,123 26,472 25,413 23,825 41,901 40,644 38,968 90* 13,466 12,389 11,177 26,598 25,534 23,938 42,1 40,847 39,162 91* 13,535 12,452 11,234 26,738 25,668 24,064 42,318 41,048 39,356 92* 13,599 12,511 11,287 26,868 25,793 24,181 42,528 41,252 39,551 93* 13,667 12,574 11,344 27,008 25,928 24,307 42,739 41,457 39,747 94* 13,732 12,633 11,398 27,133 26,048 24,420 42,952 41,663 39,945 95* 13,800 12,696 11,454 27,276 26,185 24,548 43,166 41,871 40,144 96* 13,867 12,758 11,5 27,404 26,308 24,664 43,380 42,079 40,343 97* 13,931 12,817 11,563 27,541 26,439 24,787 43,595 42,287 40,543 98* 14,002 12,882 11,622 27,683 26,576 24,915 43,811 42,497 40,744 99* 14,071 12,945 11,679 27,822 26,709 25,040 44,029 42,708 40,947

10 9 GenHealth Medical Insurance ( ) Annual premium rate (HK$) Effective from 24 March 2017 Plan (C) ( ) Outpatient (Optional) Male Plan (C) ( ) Outpatient (Optional) 15 days to 4 4,091 5,796 6, ,482 5,790 9, ,091 5,796 6, ,514 5,832 9, ,548 5,509 6, ,553 5,882, ,548 5,509 6, ,593 5,931, ,548 5,509 6, ,626 5,974, ,548 5,509 6, ,012 6,637,744 3,548 5,509 6, ,047 6,690, ,548 5,509 6, ,0 6,761 11, ,548 5,509 6, ,154 6,832 11, ,548 5,509 6, ,499 7,272 11, ,548 5,509 6, ,534 7,345 11, ,548 5,509 6, ,563 7,404 11, ,548 5,509 6, ,592 7,460 12, ,548 5,509 6, ,622 7,516 12, ,036 4,225 6, ,651 7,571 12, ,052 4,243 6, ,348 8,602 12, ,069 4,266 6, ,382 8,661 13, ,086 4,288 6, ,414 8,7 13, ,099 4,299 6, ,451 8,753 13, ,1 4,311 7, ,492 8,794 13, ,120 4,322 7, ,8 9,629 14, ,129 4,332 7, ,166 9,670 14, ,375 4,870 7, ,226 9,714 14, ,384 4,882 7, ,279 9,755 14, ,394 4,896 7,682 65* 7,612,393 15, ,408 4,912 7,816 66* 7,657,481 15, ,905 5,9 7,950 67* 7,705,566 15, ,932 5,144 8,084 68* 7,764,640 15, ,957 5,177 8,217 69* 7,818,701 16, ,984 5,211 8,351 70* 8,340 11,333 16, ,011 5,245 8,485 71* 8,380 11,389 16, ,039 5,279 8,619 72* 8,427 11,442 17, ,342 5,589 8,752 73* 8,477 11,496 17, ,370 5,624 8,886 74* 8,518 11,554 17, ,398 5,666 9, ,426 5,711 9, ,454 5,754 9,506 * * For renewal only

11 GenHealth Medical Insurance Plan (C) ( ) Outpatient (Optional) Female Plan (C) ( ) Outpatient (Optional) 15 days to 4 4,091 5,796 6, ,920 6,319 9, ,091 5,796 6, ,956 6,366 9, ,548 5,509 6, ,999 6,420, ,548 5,509 6, ,042 6,474, ,548 5,509 6, ,078 6,521, ,548 5,509 6, ,363 7,029,744 3,548 5,509 6, ,401 7,085, ,548 5,509 6, ,457 7,160 11, ,548 5,509 6, ,516 7,235 11, ,548 5,509 6, ,884 7,701 11, ,548 5,509 6, ,923 7,779 11, ,548 5,509 6, ,953 7,841 11, ,548 5,509 6, ,984 7,901 12, ,548 5,509 6, ,016 7,959 12, ,036 4,225 6, ,047 8,018 12, ,052 4,243 6, ,348 8,602 12, ,069 4,266 6, ,382 8,661 13, ,086 4,288 6, ,414 8,7 13, ,099 4,299 6, ,451 8,753 13, ,1 4,311 7, ,492 8,794 13, ,120 4,322 7, ,8 9,629 14, ,129 4,332 7, ,166 9,670 14, ,651 5,250 7, ,226 9,714 14, ,661 5,262 7, ,279 9,755 14, ,671 5,278 7,682 65* 7,612,393 15, ,686 5,295 7,816 66* 7,657,481 15, ,224 5,508 7,950 67* 7,705,566 15, ,252 5,545 8,084 68* 7,764,640 15, ,281 5,580 8,217 69* 7,818,701 16, ,3 5,617 8,351 70* 8,340 11,333 16, ,338 5,654 8,485 71* 8,380 11,389 16, ,368 5,690 8,619 72* 8,427 11,442 17, ,768 6,0 8,752 73* 8,477 11,496 17, ,798 6,138 8,886 74* 8,518 11,554 17, ,829 6,184 9, ,859 6,233 9, ,889 6,281 9,506 * * For renewal only

12 11 GenHealth Medical Insurance 有關忠意集團 ABOUT GENERALI 自 1970 年代起, 忠意集團旗下的公司在香港一直為個人及企業提供全面的保險及投資保障服務 多年以來, 我們了解到客戶不同的個別需求, 並不斷隨時代改進去迎合客戶的真正所需 忠意是世界最大的保險集團之一, 並擁有超過 180 年歷史 2015 年, 集團總保費收入超過 740 億歐羅, 成功並列 財富 世界 50 強 現有超過 7 萬 6 千員工遍佈全球超過 60 多個國家, 為 7 千 2 百萬客戶提供優質專業服務 集團在西歐市場佔有領先地位, 業務更擴展至中東歐及亞洲等地 忠意集團獲惠譽國際授予保險公司財務實力評級 A- ^ 憑著集團雄厚的財政實力, 屢獲獨立評級公司的高度評價 2015 年, 忠意集團榮登 麻省理工學院科技評論雜誌 全球最聰明公司 50 強, 而且是榜上唯一的保險公司 公司資料截至 2016 年 3 月 ^ 惠譽確認評級截至 2016 年 1 月 Our Generali entities in Hong Kong have been providing comprehensive insurance and investment protection to individuals and organizations since the 1970s. Over the years, we have come to understand the individual requirements of our clients, and are continuously adapting and innovating to meet their changing needs. The Generali Group is one of the largest global insurance providers. We pride ourselves for our history of over 180 years and we are listed amongst the Fortune Global Top 50 companies with 2015 total premium income of more than 74 billion. With above 76,000 employees worldwide serving 72 million insured persons in more than 60 countries, the Group occupies a leadership position in Western European markets and an increasingly important place in Asia and Central and Eastern Europe. Generali and its core subsidiaries have been affirmed A- ^ Insurer Financial Strength ( IFS ) Rating by Fitch Ratings. For our Group s financial strength, we have consistently received high ratings by independent agencies. Generali is also ranked among the world s 50 smartest companies in 2015 according to the MIT Technology Review and we are the only insurer on the list. Company information as at March 2016 ^Rating affirmed by Fitch as at January 2016 忠意保險有限公司 Assicurazioni Generali S.p.A., Hong Kong Branch 香港皇后大道東 8 號忠意保險大廈 5 樓 5/F, Generali Tower, 8 Queen s Road East, Hong Kong 電話 Tel: (852) 傳真 Fax: (852) 香港分行電郵 :health_info@generali.com.hk Hong Kong Branch health_info@generali.com.hk 香港分行網址 : Hong Kong Branch Website: