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1 Worldwide Elite Medical Plan

2 AXA General Insurance Hong Kong Limited Mailing Address: P.O. Box No Tsim Sha Tsui Post Office, Kowloon, Hong Kong Office Address: 23/F, One Kowloon, 1 Wang Yuen Street, Kowloon Bay, Kowloon, Hong Kong The Worldwide Elite Medical Plan (hereinafter called the Plan, your policy or the policy, as appropriate) is underwritten by AXA General Insurance Hong Kong Limited ( AXA ), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited ( HSBC ) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC. For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly. The policy is excluded from the application of the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) ( TP Ordinance ). Any person or entity which is not a party to the policy shall have no rights under the TP Ordinance to enforce any terms of the policy. This product brochure contains general information only and does not constitute any contract between any parties and AXA. For detailed terms, conditions and exclusions, please refer to the relevant policy contract. Issued by AXA General Insurance Hong Kong Limited (Only for use in Hong Kong Special Administrative Region) May 2018 WEMP v01/may2018 Page 1/15

3 Worldwide Elite Medical Plan We all want to stay healthy to pursue different life goals and enjoy every stage of life with our loved ones, but even if you are leading a healthy lifestyle, there is no guarantee of health. When illness or injury strikes, you need the reassurance that you have the resources to access high-quality medical treatment no matter where you are. Therefore, you need a medical insurance plan that can provide you with the support and cover your need throughout your life s journey, giving you peace of mind every step of the way. Worldwide Elite Medical Plan, a comprehensive and flexible medical plan with lifetime coverage up to HK$40,000,000 per year for in-patient and day-patient treatment ( Basic Plan ) benefits, supports you with high-quality medical coverage and services. Under the Plan, you have the choice of topping up your Basic Plan with optional benefit plans that best suit your needs at additional premiums, when you need them. Worldwide Elite Medical Plan s Structure In-patient and Day-patient Treatment (Basic Plan) Optional Out-patient Plan + Optional Maternity Plan 1 Optional Dental Plan 2 Optional Optical Plan 2 1 This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. 2 These plans are required to be purchased together with the Optional Out-patient Plan and subject to applicable waiting period. Page 2/15

4 The flexibility you expect Tailoring your plan within 2 steps You can tailor your Plan by selecting your preferred deductible 3 option and optional benefit plan(s) based on your medical protection needs. Step 1: Select your deductible 3 option for your Basic Plan You can choose from different levels of annual deductible amount to suit your needs. If you are covered by another medical plan, you can choose a deductible option to enjoy a lower premium. Step 2: Select your optional benefit plan(s) Besides the Basic Plan that covers your essential needs for in-patient and day-patient benefits, you can top up your medical coverage by selecting the following optional benefit plans according to your personal needs: - Optional Out-patient Plan - Optional Maternity Plan 1 - Optional Dental Plan 2 - Optional Optical Plan 2 Plan features Worldwide coverage with free choice of your doctors and hospitals Regardless of where you are, you can choose to receive medical treatments either from doctors at hospitals under our Global Directory of Hospitals ( GDOH ), or of your own choice. We will reimburse you the medical costs incurred for any eligible claims according to the policy terms. Guaranteed lifetime protection and renewal 4 The Plan offers lifetime coverage without any age limits and guarantees lifetime renewal at each policy anniversary 4,5,6, regardless of your health condition and claims history. 1 This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. 2 These plans are required to be purchased together with the Optional Out-patient Plan and subject to applicable waiting period. 3 The deductible option selected for Basic Plan and Optional Out-patient Plan must be the same. Deductible is an aggregate amount of eligible expenses claimed that must be borne by the insured person in each period of insurance before any benefits are payable under the policy. 4 You have a guaranteed right to renew the policy by advance payment of the appropriate annual premium before the due date on each policy anniversary in accordance with the terms of the policy. Renewal of the policy is on an annual basis, with lifetime coverage (cover can be renewed up to age of 44 of the insured person for Optional Maternity Plan 1 ). AXA reserves our right to terminate the insurance coverage to any or all of the insured person(s) covered under the policy or the policy immediately if the provision of coverage to any or all of the insured person(s) under the policy would result in a breach of applicable laws or regulations. In any event, if the insured person moves to USA as his / her principal country of residence* and / or moves to Japan and / or sanctioned countries as his / her residence and / or address anytime during the period of insurance, the policy will not be renewed at next policy anniversary following our actual knowledge of the change. 5 The premium rates and age range of each group are not guaranteed. The premium payable upon each renewal and the terms of the renewed policy are determined by AXA at its discretion and may not be the same as the existing policy. Please refer to the premium table as shown in this product brochure for details of the premium rates for different plans and options, which may be changed from time to time by AXA at its discretion without prior notification. 6 The policy will be terminated at the earliest occurrence of any of the following events: a when the policyholder dies; or b when any premiums due under the policy remain unpaid at the end of the grace period; or c when the policy is cancelled by the policyholder; or d when there is promulgation of any laws or regulations in the relevant jurisdiction whereby the provision of insurance coverage under this policy will become illegal; or e a policy anniversary which falls on the same day or immediately following the policyholder s change of his / her principal country of residence* to USA and / or changes of his / her residence and / or address to Japan and / or sanctioned countries; or f when the coverage of all insured person(s) terminate(s) for whatever reason; or g when any shortfall is not settled within fifteen (15) days as specified in the relevant written notice to the policyholder. * Principal country of residence is the country where the insured person lives or intends to live for most of the period of insurance being 185 days or more and which will be shown as the place of residence in our records. Page 3/15

5 Full cover of in-patient and day-patient expenses 7 The Plan provides full cover for most eligible hospital charges and surgical expenses. In addition, our benefits are also extended to cover: - pre-hospitalisation and post-hospitalisation consultations - rehabilitation - cancer treatments and kidney dialysis - AIDS or HIV (as a result of proven occupation accident or blood transfusion only) - treatment for alcohol or substance abuse - weight loss treatment for morbid obesity - home nurse and in-patient private nurse - coverage for injury caused by terrorism or war where the insured person is an innocent bystander - hospice and palliative care - funeral expenses Optional Out-patient Plan 7 In addition to consultation with general practitioner, specialist or Chinese medical practitioners, the Plan also covers the following benefits if you select our Optional Out-patient Plan: - vaccinations and prescribed health supplements - child annual eye and hearing tests - child wellness test and adult annual check-up - psychiatric and psychological treatment - physiotherapy, speech therapy, oculomotor therapy and occupational therapy - chiropractic treatment, acupuncture, osteopathy, homeopathy and dietician - hormone replacement therapy - traditional Chinese medicine Optional benefits to meet your specific circumstance 7 The Plan offers the flexibility to opt for extra protection to suit your specific needs including Optional Maternity Plan 1, Optional Dental Plan 2 and Optional Optical Plan 2 for your selection with market-leading benefits such as: - Infertility treatment - Lasik surgery - Dental implant Simple application No medical check-up is required for the application of Worldwide Elite Medical Plan. Family discount A 10% discount on premium will be offered if 1) your direct family member(s) is an existing member of the Plan; or 2) you and your direct family member(s) successfully enrol for the Plan at the same time. Direct family member(s) means: - spouse - partner - child(ren) 8 - parent(s) 1 This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. 2 These plans are required to be purchased together with the Optional Out-patient Plan and subject to applicable waiting period. 7 Details of benefits and services are set out in the section of summary of benefits of this product brochure. 8 Child(ren) refer(s) to any biological child, stepchild, legally adopted child or foster child of the policyholder who is between the age of 14 days and age of 17, or up to age of 23 if he / she is unmarried, financially solely dependent upon the policyholder and registered as a full-time student at school, college or university with written proof from the educational institute where he / she is enrolled. Page 4/15

6 Value-added services Direct billing for hospitalisation 9,10 AXA will settle your eligible in-patient or day-patient expenses directly with hospitals listed in our Global Directory of Hospitals ( GDOH ) in most countries in the world, provided that necessary pre-authorisation is obtained. If you have chosen a deductible 3 option, direct billing service will be effective as soon as you have settled your agreed share of relevant medical bills with the hospital. For details, please refer to the Policyholder User Guide which will be provided to you together with the policy contract after your policy takes effect. 24-hour customer service hotline Our Worldwide Elite Customer Service Hotline (Cantonese, Mandarin and English) can be contacted whether you are travelling abroad or in Hong Kong 24 hours a day all year round, to provide you with necessary information about your benefits and claims under the Plan. Second medical opinion 9,11 After receiving the eligible diagnosis for a medical condition from your registered medical practitioner, we will help you to obtain a second medical opinion from the medical expert of a designated network hospital upon your request. The medical expert will then prepare a written medical report on the evaluation and any treatment recommendation. Worldwide emergency assistance 9,10 Wherever you need emergency assistance, simply contact Worldwide Elite Customer Service Hotline and we will provide assistance in emergency evacuation and / or overseas repatriation. 3 The deductible option selected for Basic Plan and Optional Out-patient Plan must be the same. Deductible is an aggregate amount of eligible expenses claimed that must be borne by the insured person in each period of insurance before any benefits are payable under the policy. 9 Please refer to the Policyholder User Guide for details of the value-added services and procedure, which will be provided to you together with the policy contract after your policy takes effect. Please note that the terms of the services and procedures in relation to these value-added services can be amended by AXA from time to time without prior notice. 10 These services are provided by a third party service provider which is an independent contractor and is not an agent of AXA or HSBC. AXA and HSBC shall make no representation, warranty or undertaking as to the availability of the services and shall not be liable to the policyholder or the insured person in any respect of any loss, damage, expense, suit, action or proceeding suffered or incurred by the insured person, whether directly or indirectly, arising from or in connection with the services provided or advice given by the third party service provider or its agents, or the availability of such services. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. 11 The second medical opinion is provided by a medical service provider which is an independent contractor and is not an agent of AXA or HSBC. Neither AXA nor HSBC shall be held responsible for or liable to the policyholder or any of the insured person(s) for anything in relation to such medical opinion given by the medical service provider and hospital. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. Page 5/15

7 Worldwide Elite Medical Plan at a glance Benefit period Lifetime, except Optional Maternity Plan 1 : up to age of 45 Issue age 14 days to age of 80, except Optional Maternity Plan 1 : age of 18 to 44 Policy renewability Guaranteed annual renewal for lifetime 4 Premium structure Yearly adjusted based on attained age 5 Policy currency Payment mode Restriction of residency and address HK$ Annual Policyholder and insured person must: 1) not have USA as his / her principal country of residence*; and 2) not have Japan and / or sanctioned countries as his / her residence and / or address Deductible 3 option Basic Plan Optional Out-patient Plan Optional Maternity Plan 1 Optional Dental Plan 2 Optional Optical Plan 2 Deductible 3 amount per insured person per year No Deductible Zero Zero Option A HK$16,000 HK$6,000 Nil Nil Nil Option B HK$48,000 HK$12,000 1 This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. 2 These plans are required to be purchased together with the Optional Out-patient Plan and subject to applicable waiting period. 3 The deductible option selected for Basic Plan and Optional Out-patient Plan must be the same. Deductible is an aggregate amount of eligible expenses claimed that must be borne by the insured person in each period of insurance before any benefits are payable under the policy. 4 You have a guaranteed right to renew the policy by advance payment of the appropriate annual premium before the due date on each policy anniversary in accordance with the terms of the policy. Renewal of the policy is on an annual basis, with lifetime coverage (cover can be renewed up to age of 44 of the insured person for Optional Maternity Plan 1 ). AXA reserves our right to terminate the insurance coverage to any or all of the insured person(s) covered under the policy or the policy immediately if the provision of coverage to any or all of the insured person(s) under the policy would result in a breach of applicable laws or regulations. In any event, if the insured person moves to USA as his / her principal country of residence* and / or moves to Japan and / or sanctioned countries as his / her residence and / or address anytime during the period of insurance, the policy will not be renewed at next policy anniversary following our actual knowledge of the change. 5 The premium rates and age range of each group are not guaranteed. The premium payable upon each renewal and the terms of the renewed policy are determined by AXA at its discretion and may not be the same as the existing policy. Please refer to the premium table as shown in this product brochure for details of the premium rates for different plans and options, which may be changed from time to time by AXA at its discretion without prior notification. * Principal country of residence is the country where the insured person lives or intends to live for most of the period of insurance being 185 days or more and which will be shown as the place of residence in our records. Page 6/15

8 Summary of benefits A highlight of the key benefits of the Plan is set out as below (subject to the relevant exclusions). Please refer to the policy contract for the full list of the benefits and the relevant terms, conditions and exclusions. Maximum limit per insured person per year (unless otherwise specified) Maximum limit per year Area of cover Worldwide HK$40,000,000 (not applicable to Optional Maternity Plan 1, Optional Dental Plan 2 and Optional Optical Plan 2 ) BASIC PLAN (IN-PATIENT AND DAY-PATIENT TREATMENT) HOSPITALISATION AND SURGICAL BENEFITS Hospital charges Charges for accommodation in the standard single room Medical practitioner s charges and specialist s fee Nursing care Drugs and dressings Intensive care Physiotherapy or complementary therapies Diagnostic tests Advanced medical imaging Surgical expense Surgeon s fee Anaesthetist s fee Operating theatre's charges Surgical / medical appliance or prosthesis (internal) + Surgical / medical appliance or prosthesis (external) + In-patient private nurse + Organ transplant (excluding donor s costs) Parent accommodation for admission (for an insured child under the age of 18) Psychiatric and psychological treatment i,+ Paid in full Paid in full Paid in full Paid in full, up to HK$36,000 per item Paid in full, up to 30 days Paid in full Paid in full for an extra bed inside the same room of the insured person Paid in full, up to 30 days 1 This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. 2 These plans are required to be purchased together with the Optional Out-patient Plan and subject to applicable waiting period. i Waiting period: 24 months + Pre-authorisation is required for this benefit and subject to AXA review. Page 7/15

9 Summary of benefits (continued) Maximum limit per insured person per year (unless otherwise specified) Area of cover Worldwide PRE-HOSPITALISATION AND POST-HOSPITALISATION BENEFITS Home nurse + Pre-hospitalisation out-patient consultation Post-hospitalisation follow-up consultation Post-hospitalisation ancillary services (including physiotherapists, speech therapist, pathologists, orthoptists or podiatrists) Rehabilitation + Paid in full, up to 60 days Paid in full, up to 30 days before admission to hospital / surgical procedure and up to 1 visit per day Paid in full, up to 30 days following discharge from hospital / surgical procedure and up to 1 visit per day Paid in full, up to 30 days after discharge from hospital and up to 1 treatment per day for each kind of treatment Paid in full, up to 90 days EMERGENCY BENEFITS Emergency in-patient and out-patient dental treatment for accident Private land ambulance Emergency treatment for accident (within 72 hours after a new accident for treatment in the outpatient department or emergency department of a hospital) Paid in full Paid in full Paid in full EXTENDED BENEFITS Kidney dialysis Cancer treatment (including chemotherapy and radiotherapy) Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) (as a result of proven occupation accident or blood transfusion only) i,+ Hospice and palliative ii,+ Treatment for alcohol or substance abuse in the recognised centre (including detoxification) i,+ Weight loss treatment for morbid obesity i,+ Funeral expenses Paid in full Paid in full Paid in full Paid in full, up to 30 days per lifetime Paid in full, up to HK$480,000 per lifetime 90% reimbursement, up to HK$100,000 per lifetime Up to HK$24,000 per lifetime OPTIONAL OUT-PATIENT PLAN Consultation with medical practitioner Prescribed health supplements (such as vitamins) Diagnostic tests Paid in full, up to 15 visits per month Paid in full, up to HK$2,400 in aggregate Paid in full i Waiting period: 24 months ii Waiting period: 12 months + Pre-authorisation is required for this benefit and subject to AXA review. Pre-authorisation is required after 10 sessions of the same kind of therapy and subject to AXA review. Page 8/15

10 Summary of benefits (continued) Maximum limit per insured person per year (unless otherwise specified) Area of cover Worldwide Physiotherapy Speech therapy, oculomotor therapy and occupational therapy Traditional Chinese medicine Chiropractic, acupuncturist, osteopathic and homeopath Dietician Psychiatric and psychological treatment i Medical prosthesis iii, Hormone replacement therapy (for the female menopause which has been induced artificially and / or through early onset under age of 40) Child annual eye and hearing tests (for age of 15 or below only) Child wellness tests (for age of 7 or below only) Adult annual check-up iii (for over age of 15 only) Vaccinations Paid in full, up to HK$1,200 per visit, 1 visit per day and up to 20 visits Paid in full, up to HK$1,200 per visit, 1 treatment for each kind of therapy per day and up to 20 visits in aggregate Paid in full, up to HK$1,200 per visit and up to 20 visits Paid in full, up to HK$1,200 per visit, 1 visit for each kind of therapy per day and up to 20 visits in aggregate Paid in full, up to HK$1,200 per visit, 1 visit per day and up to 20 visits Paid in full, up to HK$2,000 per visit, 1 visit per day and up to 10 visits in aggregate Paid in full, up to HK$9,600 per item and up to HK$36,000 in aggregate Paid in full, up to 18 months per lifetime Paid in full, up to HK$1,200 in aggregate, and up to 1 eye test and 1 hearing test Paid in full, up to HK$5,400 and up to 15 times per lifetime Paid in full, up to HK$5,400 and 1 check-up Paid in full, up to HK$4,000 in aggregate OPTIONAL MATERNITY PLAN 1 Routine pregnancy iv Non-elective caesarean section, complicated pregnancy and complicated childbirth iv (for treatment of an eligible medical condition arises during the antenatal stages of pregnancy and during childbirth) Infertility treatment i,+ (for insured person under age of 40 who attempts to give birth to her first child) Congenital, hereditary and birth abnormality iv (this benefit is applicable to the newborn if his / her mother has been covered by the policy for 10 consecutive months or more prior to the newborn s birth. No medical check-up and health information are required for application of the newborn to the policy within 15 days from date of birth) Paid in full, up to HK$96,000 per pregnancy Paid in full, up to HK$176,000 per pregnancy Paid in full, up to HK$24,000 per procedure and up to 3 procedures per lifetime Paid in full 1 This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. i Waiting period: 24 months iii Waiting period: 6 months iv Waiting period: 10 months + Pre-authorisation is required for this benefit and subject to AXA review. Pre-authorisation is required after 10 sessions of the same kind of therapy and subject to AXA review. Pre-authorisaton is required for any item which cost is over HK$3,000. Page 9/15

11 Summary of benefits (continued) Maximum limit per insured person per year (unless otherwise specified) Area of cover Worldwide OPTIONAL DENTAL PLAN 2,iii Maximum limit per year Routine and preventive Major restorative and implant Orthodontic treatment for an insured child up to age of 16 Up to HK$24,000 Paid in full, up to HK$12,000 in aggregate Paid in full, up to HK$16,000 in aggregate 50% reimbursement, up to HK$7,200 in aggregate OPTIONAL OPTICAL PLAN 2 Maximum limit per year Contact lenses, frames and glasses (excluding sunglasses) Lasik surgery and lens implants Up to HK$6,400 Paid in full, limited to 1 ophthalmologist visit and 1 pair of lenses / frames / glasses Paid in full Value-added services Direct billing for hospitalisation 9,10 Customer service hotline Second medical opinion 9,11 Worldwide emergency assistance 9,10 Included 24-hour service Included Included Notes: For the benefits and waiting period, please refer to policy contract for the details terms and conditions. Pre-authorisation and referral letter are required for some benefit items. Please refer to the Policyholder User Guide which will be provided to you together with the policy contract after your policy takes effect for the detailed terms and conditions. 2 These plans are required to be purchased together with the Optional Out-patient Plan and subject to applicable waiting period. 9 Please refer to the Policyholder User Guide for details of the value-added services and procedure, which will be provided to you together with the policy contract after your policy takes effect. Please note that the terms of the services and procedures in relation to these value-added services can be amended by AXA from time to time without prior notice. 10 These services are provided by a third party service provider which is an independent contractor and is not an agent of AXA or HSBC. AXA and HSBC shall make no representation, warranty or undertaking as to the availability of the services and shall not be liable to the policyholder or the insured person in any respect of any loss, damage, expense, suit, action or proceeding suffered or incurred by the insured person, whether directly or indirectly, arising from or in connection with the services provided or advice given by the third party service provider or its agents, or the availability of such services. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. 11 The second medical opinion is provided by a medical service provider which is an independent contractor and is not an agent of AXA or HSBC. Neither AXA nor HSBC shall be held responsible for or liable to the policyholder or any of the insured person(s) for anything in relation to such medical opinion given by the medical service provider and hospital. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. iii Waiting period: 6 months Page 10/15

12 Annual Premium^5 Basic Plan Policy Currency Age group (inclusive) HK$ Deductible 3 option No Deductible Option A: HK$16,000 Option B: HK$48, days ,648 13,752 9, ,520 15,064 10, ,296 18,408 13, ,640 24,248 17, ,320 28,920 20, ,904 32,136 22, ,496 35,352 25, ,728 42,512 30, ,208 51,248 36, ,432 56,304 40, ,656 71,864 51, ,168 93,920 67, , ,752 87,680 ^ Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit or contact AXA at (852) The deductible option selected for Basic Plan and Optional Out-patient Plan must be the same. Deductible is an aggregate amount of eligible expenses claimed that must be borne by the insured person in each period of insurance before any benefits are payable under the policy. 5 The premium rates and age range of each group are not guaranteed. The premium payable upon each renewal and the terms of the renewed policy are determined by AXA at its discretion and may not be the same as the existing policy. Please refer to the premium table as shown in this product brochure for details of the premium rates for different plans and options, which may be changed from time to time by AXA at its discretion without prior notification. Page 11/15

13 Annual Premium^5 (continued) Optional Out-patient Plan Policy Currency Age group (inclusive) HK$ Deductible 3 option No Deductible Option A: HK$6,000 Option B: HK$12, days ,824 14,576 10, ,392 10,072 7, ,456 15,024 10, ,272 19,792 14, ,720 23,608 16, ,464 26,224 18, ,216 28,848 20, ,312 34,520 24, ,440 41,608 29, ,272 48,488 34, ,408 61,888 44, ,544 80,880 57, , ,704 75,504 Optional Maternity Plan 1 Optional Dental Plan 2 Optional Optical Plan 2 Policy Currency Age group (inclusive) HK$ Policy Currency Age group (inclusive) HK$ Policy Currency Age group (inclusive) HK$ , days , days , ,632 Note: The premium rates and age range of each group are not guaranteed. The premium payable upon each renewal and the terms of the renewed policy are determined by AXA at its discretion and may not be the same as the existing policy. ^ Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit or contact AXA at (852) This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. 2 These plans are required to be purchased together with the Optional Out-patient Plan and subject to applicable waiting period. 3 The deductible option selected for Basic Plan and Optional Out-patient Plan must be the same. Deductible is an aggregate amount of eligible expenses claimed that must be borne by the insured person in each period of insurance before any benefits are payable under the policy. 5 The premium rates and age range of each group are not guaranteed. The premium payable upon each renewal and the terms of the renewed policy are determined by AXA at its discretion and may not be the same as the existing policy. Please refer to the premium table as shown in this product brochure for details of the premium rates for different plans and options, which may be changed from time to time by AXA at its discretion without prior notification. Page 12/15

14 Right to return policy If you change your mind about your policy within 30 days of receipt of your policy for whatever reason, you can simply return the policy for cancellation. Any premium and levy^ you have paid will be refunded in full, provided you have not made a claim or enjoyed any medical services under your policy. How do I find out more? Planning for your health protection is important. We recommend you to regularly review your insurance portfolio and adjust in response to your personal needs and market condition changes. We will be happy to help review your current and future needs and recommend you the right medical plan. You can arrange for a health protection review meeting with us. Call Go to Visit any HSBC branch Main policy exclusions Suicide, attempted suicide or self-inflicted injury Pre-existing conditions Non-medically necessary service provided by the hospital such as TV, radio, telephone or other similar facility Abuse of alcohol and drugs Cosmetic surgery and aesthetic treatment Developmental disorders such as behavioural or learning problems Eating disorders Experimental treatment or drugs Sexually transmitted disease and HIV related disability Sexual problems and gender re-assignment Treatment received in nursing homes, convalescence homes, health hydros or nature cure clinics Treatment by an immediate family member, insured person himself / herself and related enterprise Notes: For the full list of exclusions, please refer to the policy contract for details. Unless otherwise specified, all ages mentioned in this product brochure refer to the age of the insured person on his or her last birthday. ^ Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit or contact AXA at (852) Page 13/15

15 Frequently asked questions Where can I get medical treatment that is covered by Worldwide Elite Medical Plan? AXA will reimburse you the costs incurred in receiving eligible medical treatments from any registered doctors or hospitals (including general practitioners, specialists or health professionals) worldwide. How can I make sure that I am fully covered when I need hospitalisation? We recommend that you contact the 24-hour Worldwide Elite Customer Service Hotline to check the coverage under the policy and to obtain AXA s necessary pre-authorisation before receiving any non-emergency in-patient or day-patient treatment. Can I get in-patient and day-patient treatment without pre-authorisation? In general yes, as long as the treatment is covered by the policy. There are specific benefits that require AXA s pre-authorisation, and we recommend you to obtain pre-authorisation for your in-patient and day-patient treatment prior to receiving such treatment to ensure you are fully aware of your coverage under the policy. Do I need to get pre-authorisation prior to visiting any doctor for out-patient treatment? Out-patient treatment does not usually require pre-authorisation except for the following benefit items / treatments: AIDS or HIV Hospice and palliative Weight loss treatment for morbid obesity Medical prosthesis whose cost is over HK$3,000 Infertility treatment Also, pre-authorisation is required after every 10 sessions of each of the following benefit items / services / therapies: post-hospitalisation ancillary services, physiotherapy, speech therapy, oculomotor therapy, occupational therapy, chiropractic, acupuncturist, osteopathic, homeopathy and dietician. Please refer to the Policyholder User Guide which will be provided to you together with the policy contract after your policy takes effect for details. Page 14/15

16 Do I need to settle the medical bill first if I am hospitalised? In case of hospitalisation under our Global Directory of Hospitals ( GDOH ), once a pre-authorisation request is approved, a Letter of Guarantee will be issued to the hospital and AXA will settle the medical bill for you after you have paid the deductible 3 amount (where applicable). The list of hospitals under GDOH is available at or you can call the Worldwide Elite Customer Service Hotline for the GDOH after policy issuance. In case of hospitalisation in a hospital not under our GDOH, you will have to settle the bill directly with the hospital first. Then, you can claim reimbursement from us less any deductible 3 amount (where applicable) upon submission of original medical bills and required documents. For detailed procedures, please refer to the Policyholder User Guide which will be provided to you together with the policy contract after your policy takes effect. What should I do if I need emergency help? No matter where you are, simply call Worldwide Elite Customer Service Hotline to get immediate emergency assistance available 24 hours a day, all year. Will I be guaranteed to renew my plan even if I have made a claim? Is the premium guaranteed unchanged? This Plan is guaranteed lifetime renewable 4 (cover can be renewed up to age of 44 of the insured person for Optional Maternity Plan 1 ), except where there have / has been overdue payments or shortfall arising from a claim or fraudulent claims. However, the premium rates and age range of each group are not guaranteed. The premium payable upon renewal and the terms of the renewed policy may not be the same as the existing policy and will be determined at the discretion by AXA. Please refer to the premium table as shown in this product brochure for details of the premium rates for different plans and options, which may be changed from time to time by AXA without prior notification. In the event I find I can no longer afford to pay the premium for this Plan at retirement, is there any option for me to still keep a medical protection plan? You can either change to a higher deductible 3 option at a lower level of premium under this Plan or consider plan conversion. The request must be submitted within 30 days before the policy anniversary and acceptance of the request must be confirmed in writing by AXA in order to be effective. 1 This Optional Maternity Plan is only applicable for insured person between age of 18 to 44 and subject to applicable waiting period. Insured person cannot enrol for the Optional Maternity Plan again if she has ever cancelled the Optional Maternity Plan under the same policy. 3 The deductible option selected for Basic Plan and Optional Out-patient Plan must be the same. Deductible is an aggregate amount of eligible expenses claimed that must be borne by the insured person in each period of insurance before any benefits are payable under the policy. 4 You have a guaranteed right to renew the policy by advance payment of the appropriate annual premium before the due date on each policy anniversary in accordance with the terms of the policy. Renewal of the policy is on an annual basis, with lifetime coverage (cover can be renewed up to age of 44 of the insured person for Optional Maternity Plan 1 ). AXA reserves our right to terminate the insurance coverage to any or all of the insured person(s) covered under the policy or the policy immediately if the provision of coverage to any or all of the insured person(s) under the policy would result in a breach of applicable laws or regulations. In any event, if the insured person moves to USA as his / her principal country of residence* and / or moves to Japan and / or sanctioned countries as his / her residence and / or address anytime during the period of insurance, the policy will not be renewed at next policy anniversary following our actual knowledge of the change. * Principal country of residence is the country where the insured person lives or intends to live for most of the period of insurance being 185 days or more and which will be shown as the place of residence in our records. Page 15/15

17 AXA AXA AXA 3 30 AXA AXA * * /15

18 AXA 24 AXA AXA HIV 3,000 14/15

19 30 ^ HIV ^ AXA (852) /15

20 ^5 3 A 6,000 B 12, ,824 14,576 10, ,392 10,072 7, ,456 15,024 10, ,272 19,792 14, ,720 23,608 16, ,464 26,224 18, ,216 28,848 20, ,312 34,520 24, ,440 41,608 29, ,272 48,488 34, ,408 61,888 44, ,544 80,880 57, , ,704 75, , , , ,632 AXA ^ AXA (852) AXA AXA 12/15

21 ^5 3 A 16,000 B 48, ,648 13,752 9, ,520 15,064 10, ,296 18,408 13, ,640 24,248 17, ,320 28,920 20, ,904 32,136 22, ,496 35,352 25, ,728 42,512 30, ,208 51,248 36, ,432 56,304 40, ,656 71,864 51, ,168 93,920 67, , ,752 87,680 ^ AXA (852) AXA AXA 11/15

22 2,iii 16 24,000 12,000 16,000 50% 7, , ,10 9,11 9, AXA 10 AXA AXA AXA 11 AXA AXA AXA iii 6 10/15

23 1, i iii, iii 15 1, , , , , ,600 36, , , , ,000 1 iv iv i,+ 40 iv , ,000 24, i 24 iii 6 iv 10 + AXA 10AXA 3,000 9/15

24 HIV i,+ ii,+ i,+ i, ,000 90%100,000 24, ,400 i 24 ii 12 + AXA 10AXA 8/15

25 40,000, i,+ 36, i 24 + AXA 7/15

26 ) * 2) A 16,000 6,000 B 48,000 12, AXA * 5 AXA AXA * 185 6/15

27 9,10 AXA ,11 9, AXA 10 AXA AXA AXA 11 AXA AXA AXA 5/15

28 HIV % /15

29 ,5, AXA * 5 AXA AXA 6 a b c d e * f g 15 * 185 3/15

30 40,000,000 自選門診計劃 住院及日間住院治療 ( 基本計劃 ) + 1 自選婦科計劃 2 自選牙科計劃 2 自選眼科計劃 /15

31 AXA AXAAXA 41 AXA AXA AXA 623 AXA 由安盛保險有限公司刊發 WEMP v01/may2018 Page 1/15

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