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1 THE HONG KONG POLYTECHNIC UNIVERSITY Voluntary Medical Insurance Plan offered by AIA - StepUp Medical Protection Plan (StepUp Plan) The requirements of StepUp Plan are set out below: 1. The StepUp Plan is for Members of the Staff Medical Benefit Scheme (PolyU Scheme). The maximum age of the Scheme Members for enrolment to the StepUp Plan shall be 65 (i.e. before the Scheme Member reaches the 66th birthday). 2. On joining the voluntary plan, pre-existing conditions of Scheme Members already covered under the PolyU Scheme will continue to be covered if the Scheme Members have been covered under the PolyU Scheme (Scheme Membership) and if applicable, the StepUp Plan (excluding the period which overlaps with the Scheme Membership, if any), for an aggregate duration of twelve (12) consecutive months. The StepUp should be lifetime renewable. 3. Scheme Members shall be entitled to enrol to the StepUp Plan by paying the premium required, and subject to the following enrolment period: (a) New Scheme Member: within 30 days after joining the PolyU Scheme 1 ; otherwise, within 30 days after subsequent Policy Anniversary of the PolyU Scheme on 1 July or 1 July ; or (b) (c) Existing Scheme Member 2 : within 30 days after 1 July 2017; otherwise, within 30 days after the subsequent Policy Anniversary on 1 July 2018 or 1 July 2019; or Existing and New Scheme Member 3 : within 30 days after termination of his/her membership under the PolyU Scheme (i.e., upon retirement or termination of employment) and before reaching the 66th birthday, whichever is earlier. 4. The choice of the Scheme Member of the plan level of StepUp Plan shall not exceed the Designated Room Level of the Scheme Member under the PolyU Scheme. If you would like to obtain more information of the StepUp Plan, please refer to the product brochure available from AIA website at aia.com.hk or call the AIA hotline The commencement date of StepUp Plan membership will be the same as the start date of the PolyU Scheme membership. 2 The StepUp Plan membership to commence on 1 July of 2017/2018/2019 as appropriate depending on the year of enrolment. 3 The StepUp Plan membership to commence on the day immediately after the last day of the PolyU Scheme membership. 29 June 2017

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3 1 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN With a successful career to pursue and a family to raise, it s more important than ever for you to take good care of yourself. That s why we designed an enhanced medical protection plan for you. Available to existing members of The Hong Kong Polytechnic University / CPCE medical plan, the comprehensive StepUp Medical Protection Plan (StepUp) is a lifetime plan that tops up your group medical insurance. Your acceptance into the plan is guaranteed with no underwriting required, enabling you to enhance your cover and prepare for future protection needs for just an affordable premium. Even if you leave the company or enter retirement, you will remain covered under StepUp, giving you and your loved ones the reassurance you need. Cover at a glance Product Nature Eligibility Issue Age (of the insured) Protection up to Age Underwriting Requirement Plan Option Geographic Cover Core Benefits Optional Benefit Medical Network Privileges Medical protection insurance plan Members under The Hong Kong Polytechnic University / CPCE medical plan 15 days to age 65 Lifelong Plan 1 Ward plan Plan 2 Semi-Private plan Plan 3 Standard Private plan Worldwide Comprehensive hospitalisation and surgical care Extended care protection for renal dialysis and cancer treatment including related tests, targeted therapy, chemotherapy and radiotherapy for the latter Other benefits include advanced diagnostic imaging (including tests performed in outpatient setting) and medical appliances Worldwide emergency assistance services, including emergency medical evacuation Outpatient Plan 1 to 4 Guaranteed acceptance By seeking treatment through AIA medical network, you can enjoy the following privileges: 90% reimbursement with no deductible for core benefits Cashless arrangement service for designated clinical operations For more information, please read the Benefits schedule for the StepUp Medical Protection Plan in this brochure. AIA, the Company, We, our or us herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).

4 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN 2 Portable protection for extra peace of mind In life, it s good to have an extra safety net. When you join StepUp, you can renew your cover every year. The renewal premium will be based on the prevailing premium rates at the time of renewal. Even if you leave the company, your group medical cover ends or you retire, your cover under this plan will continue, giving you protection at all times. Guaranteed acceptance with no underwriting required There is no medical underwriting requirement when you apply for this plan. Your application is guaranteed to be accepted, so you can obtain the protection you need with ease. Cover for pre-existing conditions If you have been covered under The Hong Kong Polytechnic University / CPCE medical plan and StepUp (if applicable) for a total duration of at least 12 continuous months (excluding the period which overlaps with the scheme membership, if any), any pre-existing conditions you have will be covered under StepUp, giving you immediate comprehensive protection. Comprehensive cover for your medical expenses StepUp offers you reimbursement for a range of medical expenses. This includes expenses such as hospital room and board, intensive care, surgery, hospital expenses, advanced diagnostic imaging (including tests performed in outpatient setting) and medical appliances. For more information, please read the Benefits schedule for the StepUp Medical Protection Plan in this brochure. Extended care support for renal dialysis and cancer treatment We understand the extra support you need when a serious illness occurs. In the unfortunate event that you are diagnosed with cancer or kidney failure, we will provide extended care protection for renal dialysis and cancer treatment including related tests, targeted therapy, chemotherapy and radiotherapy for the latter.

5 3 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN Quality medical network privileges To serve you better, our medical network comprises carefully selected medical practitioners from across a range of medical disciplines. Within this network, you can enjoy quality medical services and receive the following additional benefits: 90% reimbursement with no deductible for core benefits Flexibility to suit your needs We understand that everyone s situation is different. That s why we offer optional outpatient benefit to suit your personal medical needs. When you apply for this plan together with the optional outpatient benefit, there is no medical underwriting requirement*, allowing you to obtain a more comprehensive protection with ease. If you seek treatment within our medical network, we will reimburse 90% of your medical expenses, and no deductible will apply. Cashless arrangement for 4 designated surgical procedures at outpatient clinic Plan Option Optional Benefit Plan 1 Ward plan Plan 2 Semi-Private plan Plan 3 Standard Private plan Plan 1 to 4 Outpatient benefit You can use your electronic network card to book a designated surgery at a network clinic on a cashless basis, freeing you from the hassle of settling bills and making a subsequent claim. The 4 designated procedures are: 1. lens operation including cataract removal and prosthetic lens insertion 2. colonoscopy, with or without a biopsy or papilloma removal 3. upper endoscopy up to the level of the duodenum 4. excisions of skin lumps or a tumour of subcutaneous tissue, including lipomas, neurofibromas or its variants, sebaceous cysts, malignant melanomas and nevi, etc. Choice of plans will be subject to your existing cover of The Hong Kong Polytechnic University / CPCE medical plan, if any. For more information, please refer to Plan selection rule in this brochure. *After the policy is effective, you can apply for the optional outpatient benefit on the policy anniversary date. Medical underwriting is required. The cashless arrangement is subject to a per disability limit and an additional per disability limit for network benefits, and you are required to settle the shortfall (if any). For more information, please refer to our network services leaflet for StepUp.

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7 5 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN Example (The following example is hypothetical and for illustrative purposes only. If there are any changes in the values, no separate announcement will be made.) Case 1: Policy owner and insured: Alan (aged 28) Occupation: Marital status: Current cover: Assistant Administrative Manager Single AIA group medical scheme Alan has great ambitions for his life and career. He understands that youth is currently his greatest asset, so he decides to purchase the StepUp Medical Protection Plan Plan 2, with no medical underwriting required, boosting the medical cover on top of his company s group medical scheme. StepUp provides Alan with a top-up protection at an affordable premium, with a per disability limit of HK$200,000 and an additional network limit of HK$100,000 to supplement his employer s group medical scheme. What s more, if Alan is diagnosed with cancer or kidney failure, StepUp gives him an additional layer of cover of HK$200,000 for treatment per covered disability. Insured s Age Aged 28 Covered under the group medical insurance scheme provided by the employer Purchased StepUp Medical Protection Plan Plan 2 Per disability limit HK$200,000 + HK$100,000 (additional network limit) Additional benefits for cancer and renal dialysis treatment Receive an additional limit of HK$200,000 for treatment per covered disability The StepUp Medical Protection Plan works in tandem with other existing group medical insurance plans, which can provide full cover for basic medical needs and minor medical claims. In situations where expenses cannot be covered in full by a group medical plan, the outstanding amount can be settled through StepUp.

8 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN 6 Example (The following example is hypothetical and for illustrative purposes only. If there are any changes in the values, no separate announcement will be made.) Case 2: Policy owner and insured: Bonnie (aged 45) Occupation: Marital status: Current cover: Senior Customer Services Manager Married with a son and a daughter AIA group medical scheme Family comes first for Bonnie, who understands what an impact unexpected medical expenses can have on her family s finances. She purchases the StepUp Medical Protection Plan Plan 1 to supplement her company s group medical plan, giving her additional financial support and peace of mind even in the face of the unexpected. After purchasing StepUp, Alice visits a family physician for her digestive problems, and is advised to undergo a gastroscopy. She uses her electronic StepUp network card to book an outpatient gastroscopy at a network clinic on a cashless basis, freeing her from the hassle of making a claim afterwards.

9 7 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN Benefits schedule for the StepUp Medical Protection Plan Benefit items are reimbursed on a reasonable and customary basis. For more information, please refer to point 1 of the Product Limitation section under Important Information. Core Benefits Maximum Benefit (HK$) Plan Room Type Entitlement Per disability limit applies to items 1 to 12 Additional per disability limit for network benefits applies to items 1 to 12 Reimbursement percentage applies to items 1 to 11 and 13 to 14 Deductible (per disability) applies to items 1 to 11 and 13 to 14 Reimbursement percentage applies to item 12 Deductible applies to item 12 Plan 1 Plan 2 Plan 3 Ward Semi-Private Standard Private 100, , ,000 50, , ,000 Network Non-Network Network Non-Network Network Non-Network 90% 80% 90% 80% 90% 80% 0 5, , , % N/A 100% N/A 100% N/A 0 N/A 0 N/A 0 N/A I. Confinement Benefits 1. Hospital daily room and board benefit 2. Physician s visit 3. Specialist s fee 4. Miscellaneous hospital expenses benefit 5. Intensive care benefit II. Surgical Benefits 6. Surgery benefit Including surgeon s fee, anaesthetist's fee and operating theatre charge 7. Outpatient surgery benefit Including surgeon s fee, anaesthetist's fee and operating theatre charge 8. Medical appliances benefit Specified items: Include: i. pace maker ii. stents for Percutaneous Transluminal Coronary Angioplasty iii. intraocular lens (standard) iv. artificial cardiac valve v. metallic or artificial joints for joint replacement vi. prosthetic ligaments for replacement or implantation between bones vii. prosthetic intervertebral disc III. Post-hospitalisation / Outpatient Surgery Outpatient Consultation 9. Follow-up consultation and diagnostic tests within 31 days after confinement or outpatient surgery

10 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN 8 Core Benefits (continued) IV. Other Benefits 10. Advanced diagnostic imaging (including tests performed in outpatient setting) Including Magnetic Resonance Imaging, Computerised Tomography Scan and Positron Emission Tomography Scan 11. Emergency outpatient treatment benefit If the insured sustains a covered injury and is treated as an outpatient in the outpatient department of a hospital within 24 hours of the accident resulting in such covered injury V. Network Clinical Surgery Benefit 12. For these designated operations conducted under the plan s medical network, cashless arrangement service can be arranged, and no deductible or coinsurance will apply: i. lens operation including cataract removal and prosthetic lens insertion ii. colonoscopy, with or without biopsy or papilloma removal iii. upper endoscopy up to the level of the duodenum iv. excision of skin lumps or tumours of subcutaneous tissue, including lipomas, neurofibromas or its variants, sebaceous cysts, malignant melanomas, and nevi, etc. VI. Additional Benefits for Cancer and Renal Dialysis Treatment 13. Cancer treatment including radiotherapy, chemotherapy, targeted therapy, diagnostic imaging tests, etc. 14. Renal dialysis treatment Room Type Entitlement Per disability limit applies to items 13 to 14 VII. Emergency Treatment Benefits Ward Semi-Private Standard Private 100,000 (Plan 1) 200,000 (Plan 2) 300,000 (Plan 3) Worldwide emergency assistance services a. Emergency medical evacuation b. Repatriation of remains c. Compassionate visit by one immediate family member For staying in hospital more than 5 consecutive days d. Return of children under aged 18 to Hong Kong For staying in hospital more than 5 consecutive days Maximum aggregate limit of HK$1,000,000 per trip e. 24-hour worldwide telephone enquiry services Included Adjustment factor If the insured is confined in a hospital room of a type that is at a higher level than the room type corresponding to the plan level chosen, the benefit payable shall be paid according to the benefits schedule, and subject to adjustment by a percentage indicated in the column of Adjustment Factor below: Room Type Entitlement Received Treatment in Adjustment Factor Ward Semi-Private 50% Ward Ward Semi-Private Semi-Private Standard Private Standard Private VIP / Deluxe / Suite Standard Private VIP / Deluxe / Suite VIP / Deluxe / Suite 25% 0% 50% 0% 50%

11 9 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN Optional Benefit Outpatient Recommendation by a registered doctor in writing is required Consultation must be rendered by a western registered doctor Outpatient Benefit Maximum Benefit (HK$) Plan 1 Plan 2 Plan 3 Plan 4 Reimbursement percentage 1. Outpatient consultation (Including Western medication per visit) 80% 80% 80% 80% Outpatient specialist fee (Including Western medication per visit) visits per policy year visits per policy year visits per policy year 1, visits per policy year 3. Physiotherapy and Chiropractic treatment (per visit) visits per policy year visits per policy year visits per policy year visits per policy year 4. Registered Chinese Medicine Practitioner consultation (Including Chinese medicine) visits per policy year visits per policy year visits per policy year visits per policy year 5. Psychiatric treatment (Including Western medication per policy year) 6. Diagnostic procedures and laboratory test (per policy year) 7. Prescribed medicines, other than doctor s and hospital s clinic (per policy year) 2,500 3,000 4,000 5,000 2,500 3,000 4,000 5,000 2,500 3,000 4,000 5,000 The number of visit under items 1 to 4 is limited to 50 visits per policy year.

12 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN 10 Member enrolment guidelines and plan selection rule Application submission period (must be submitted within one of the below periods) Plan selection rule Members under The Hong Kong Polytechnic University / CPCE medical plan (members must be holders of Hong Kong identity cards at the time of application) New join employees and their dependants* (i) Within 30 days after joining The Hong Kong Polytechnic University / CPCE medical plan Existing employees and their dependants* (ii) Within 30 days after 1 July 2017 New join and existing employees and their dependants* (iii) Within 30 days after the policy anniversary on 1 July 2018 / 2019 (iv) Within 30 days after membership termination in The Hong Kong Polytechnic University / CPCE medical plan (v) Within 30 days prior to the insured reaching the age of 66 No restriction on plan choice Must enrol in the same room type or lower as The Hong Kong Polytechnic University / CPCE medical plan: Class Class 1 Class 2 Corresponding room type entitlement Semi-Private Ward Insured employee and insured dependant must enrol in the same plan, including core benefits and optional outpatient benefit, if applicable. * If The Hong Kong Polytechnic University / CPCE medical plan is offered to employees dependants.

13 11 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN Important information 1. This brochure is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. This brochure should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary. 2. This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs. 3. This brochure is for distribution in Hong Kong only. Key Product Risks 1. You need to pay the premium for this plan for life. If you do not pay the premium within 31 days of the due date, the policy will be terminated and you / the insured will lose the cover. 2. We will terminate your plan and you / the insured will lose the cover when one of the following happens: the insured passes away; you do not pay the premium within 31 days of the due date; or We reserve the right to cancel this policy at any time by giving a 30-day prior written notice without cause to the Owner. The unearned portion of the premium at the time of cancellation without interest shall be returned to you after deducting any debt owed by you to us under the policy. 3. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you may lose your cover and the remaining premium for that policy year. 4. Future medical costs will be higher than they are today due to inflation. Hence, the benefit amounts and the future premium rate of this plan may be adjusted to reflect inflation. 5. Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations. Key Exclusions Under this plan, we will not cover conditions that result from any of the following events: Any treatment, investigations, services or supplies which are not medically necessary. Any Pre-existing Conditions for which the insured received medical treatment, diagnosis, consultation or prescribed medicines / drugs during the ninety (90) days preceding the effective date of this coverage unless the insured affected by these conditions has been insured under The Hong Kong Polytechnic University / CPCE medical plan (if applicable) and this plan for a total duration of at least twelve (12) continuous months (excluding the period which overlaps with the scheme membership, if any). Self-destruction, intentional self-inflicted injury or drug abuse. War or warlike operations, civil commotion, any violation or attempted violation of law or resisting arrest, acts of terrorism where the insured is a terrorist, the use of atomic, biological or chemical contamination due to any act of terrorism, when the insured travels to a country at war, or where there is warlike operation, mutiny, riot, civil commotion, martial law or a state of siege, or a war zone as recognised by the United Nations. Pregnancy, miscarriage, child birth, voluntary termination of pregnancy, or complications of them, mental or nervous disorder, except for mental illness and emotional disorder benefit (see benefits schedule of optional outpatient benefit, item 5 for details), AIDS or any complications associated with HIV infection. Cosmetic or plastic surgery, dental care or surgery, corrective aids and the treatment of refractive errors unless necessitated by injury caused by an accident, body check-up, gradual recovery of health or rest care. The above-mentioned are for reference only. Please refer to your policy contract for the complete list and details of exclusions. Premium Adjustment In order to provide you with continuous protection, we will review this plan annually including its premium rate and product features. When reviewing the premium rate, we will consider the following factors: 1. Overall claim costs incurred from all policies under this plan. 2. The expected claim outgo in the coming year which reflects the impact of medical trends, medical cost inflation and product feature revisions. We reserve the right to revise the benefit structure, terms and conditions and / or product features, so as to keep pace with medical advancements. We will give you a written notice of such revision 30 days before any policy anniversary or upon renewal. Product Limitation 1. We only cover the charges or expenses on a reasonable and customary basis. Reasonable and customary means: the medical services, diagnosis and / or treatments are necessary and delivered according to standards of good medical practice; the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such service delivered; and the charges that are for experimental, screening and preventive services or supplies, as well as those that are only incurred if insurance exists, are excluded. Medically necessary means that the medical services, diagnosis and / or treatments are: delivered according to standards of good medical practice; necessary; and cannot be safely delivered in a lower level of medical care. 2. An adjustment factor is applied to the calculation of the benefit payable when the insured is confined in a hospital room of a type that is at a higher level than the room type corresponding to the plan level chosen, the benefit payable shall be paid according to the benefits schedule, and the adjustment factor will also apply. For details, please refer to the Adjustment factor in this brochure. 3. An insured employee and insured dependant under The Hong Kong Polytechnic University / CPCE medical plan must enrol in the same plan, including core benefits and optional outpatient benefit, if applicable. 4. Dependant child(ren) aged 15 days to 17 years must enrol in this plan together with his / her parent and they must enrol in the same plan. Claim Procedure If you wish to make a claim, you must send us the appropriate forms and proof within 90 days of the date on which the covered event happened. You can get the appropriate claims forms from your financial planner, or by calling the AIA Customer Hotline on (852) , or by visiting any AIA Customer Service Centre. Cancellation Right You have the right to cancel and obtain a refund of any premiums paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong within 21 days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier. Please contact AIA Voluntary Solutions Hotline for details (852) aia.com.hk e hk.eb.marketing@aia.com

14 Annual Premium Table (HK$) Core Benefits MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN 12 Age Plan 1 Plan 2 Plan 3 Ward Semi-Private Standard Private Age Plan 1 Plan 2 Plan 3 Ward Semi-Private Standard Private 0 2,115 4,067 8, ,115 4,067 8, ,115 4,067 8, ,115 4,067 8, ,115 4,067 8, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,401 2,696 5, ,409 2,711 5, ,424 2,740 5, ,442 2,772 5, ,458 2,805 5, ,476 2,841 5, ,496 2,883 5, ,520 2,930 5, ,537 2,967 5, ,557 3,007 6, ,604 3,103 6, ,650 3,192 6, ,695 3,284 6, ,740 3,374 6, ,779 3,454 6, ,821 3,539 7, ,856 3,612 7, ,895 3,691 7, ,931 3,764 7, ,972 3,880 7, ,024 3,986 8, ,071 4,082 8, ,126 4,195 8, ,184 4,314 8, ,197 4,431 9, ,250 4,539 9, ,315 4,668 9, ,385 4,737 9, ,444 4,814 10, ,444 4,891 10, ,520 4,978 10, ,610 5,156 10, ,698 5,331 11, ,741 5,416 11,356 Effective Date: 1 July ,793 5,519 11, ,862 5,655 11, ,975 5,880 12, ,096 6,118 12, ,211 6,344 13, ,320 6,757 15, ,429 6,979 15, ,557 7,238 16, ,697 7,524 16, ,866 7,869 17, ,106 8,358 18, ,461 9,080 20, ,911 9,996 22, ,343 10,875 24, ,770 11,742 26, ,179 12,839 28,319 66* 6,430 13,500 29,472 67* 6,798 14,271 30,837 68* 7,189 15,093 32,281 69* 7,606 15,969 33,813 70* 7,961 16,713 35,391 71* 8,345 17,519 37,100 72* 8,736 18,340 38,836 73* 9,150 19,208 40,674 74* 9,568 20,088 42,537 75* 9,855 20,691 43,813 76* 10,155 21,317 45,140 77* 10,459 21,958 46,496 78* 10,774 22,619 47,894 79* 11,098 23,299 49,335 80* 11,432 24,002 50,824 81* 11,777 24,725 52,356 82* 12,128 25,462 53,916 83* 12,490 26,221 55,521 84* 12,867 27,014 57,204 85* 13,248 27,812 58,893 86* 13,321 27,966 59,218 87* 13,381 28,091 59,482 88* 13,450 28,238 59,794 89* 13,516 28,377 60,089 90* 13,579 28,508 60,367 91* 13,649 28,654 60,676 92* 13,711 28,787 60,956 93* 13,784 28,940 61,281 94* 13,845 29,066 61,547 95* 13,911 29,204 61,839 96* 13,980 29,350 62,150 97* 14,043 29,481 62,427 98* 14,116 29,635 62,752 99* 14,182 29,775 63,051 * For renewal only. Policy owner will be advised of the renewal premium for aged 100 and above before renewal. Note: Premium payable is calculated according to the insured's attained age and the applicable premium at the time of application or renewal. Premiums stated above are non-guaranteed and may increase with the increase of age. We will regularly (not less than once per year) review the impact of medical inflation and claim performance on premium. As a result, premium may be adjusted in order to continuously provide customers with long term medical protection. All premiums (including renewal premiums) shown above are based on the standard premium rate and do not include any extra premiums due to loading. Moreover, the actual renewal premiums will be calculated according to the insured's attained age and the applicable premium rate at the time of renewal. Such premium rate is non-guaranteed and subject to revision by the Company from time to time. The premium discount is only applicable to standard premiums and shall not apply to any extra premiums due to loading.

15 13 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN Monthly Premium Table (HK$) Core Benefits Age Plan 1 Plan 2 Plan 3 Ward Semi-Private Standard Private Age Plan 1 Plan 2 Plan 3 Ward Semi-Private Standard Private ,003 Effective Date: 1 July , , , , , , , , , , , , , , ,037 2, ,134 2,501 66* 568 1,192 2,602 67* 600 1,260 2,723 68* 635 1,333 2,850 69* 672 1,410 2,986 70* 703 1,476 3,125 71* 737 1,547 3,276 72* 771 1,619 3,429 73* 808 1,696 3,592 74* 845 1,774 3,756 75* 870 1,827 3,869 76* 897 1,882 3,986 77* 924 1,939 4,106 78* 951 1,997 4,229 79* 980 2,057 4,356 80* 1,009 2,119 4,488 81* 1,040 2,183 4,623 82* 1,071 2,248 4,761 83* 1,103 2,315 4,903 84* 1,136 2,385 5,051 85* 1,170 2,456 5,200 86* 1,176 2,469 5,229 87* 1,182 2,480 5,252 88* 1,188 2,493 5,280 89* 1,193 2,506 5,306 90* 1,199 2,517 5,330 91* 1,205 2,530 5,358 92* 1,211 2,542 5,382 93* 1,217 2,555 5,411 94* 1,223 2,567 5,435 95* 1,228 2,579 5,460 96* 1,234 2,592 5,488 97* 1,240 2,603 5,512 98* 1,246 2,617 5,541 99* 1,252 2,629 5,567 * For renewal only. Policy owner will be advised of the renewal premium for aged 100 and above before renewal. Note: Premium payable is calculated according to the insured's attained age and the applicable premium at the time of application or renewal. Premiums stated above are non-guaranteed and may increase with the increase of age. We will regularly (not less than once per year) review the impact of medical inflation and claim performance on premium. As a result, premium may be adjusted in order to continuously provide customers with long term medical protection. All premiums (including renewal premiums) shown above are based on the standard premium rate and do not include any extra premiums due to loading. Moreover, the actual renewal premiums will be calculated according to the insured's attained age and the applicable premium rate at the time of renewal. Such premium rate is non-guaranteed and subject to revision by the Company from time to time. The premium discount is only applicable to standard premiums and shall not apply to any extra premiums due to loading.

16 MEDICAL PROTECTION STEPUP MEDICAL PROTECTION PLAN 14 Optional Outpatient Benefit Annual Premium Table (HK$) Optional Outpatient Benefit Age group Plan 1 Plan 2 Plan 3 Plan ,599 5,204 6,843 9, ,433 4,960 6,522 9, ,433 4,960 6,522 9, ,527 5,095 6,700 9, ,527 5,095 6,700 9, ,073 5,888 7,726 11, * 4,396 6,341 8,334 11,906 70* 5,741 8,308 10,913 15,590 Effective Date: 1 July 2017 * For renewal only (applicable to aged 66 or above). Monthly Premium Table (HK$) Optional Outpatient Benefit Age group Plan 1 Plan 2 Plan 3 Plan * ,051 70* ,377 Effective Date: 1 July 2017 * For renewal only (applicable to aged 66 or above). Note: Premium payable is calculated according to the insured's attained age and the applicable premium at the time of application or renewal. Premiums stated above are non-guaranteed and may increase with the increase of age. We will regularly (not less than once per year) review the impact of medical inflation and claim performance on premium. As a result, premium may be adjusted in order to continuously provide customers with long term medical protection. All premiums (including renewal premiums) shown above are based on the standard premium rate and do not include any extra premiums due to loading. Moreover, the actual renewal premiums will be calculated according to the insured's attained age and the applicable premium rate at the time of renewal. Such premium rate is non-guaranteed and subject to revision by the Company from time to time. The premium discount is only applicable to standard premiums and shall not apply to any extra premiums due to loading.

17 PTA999344(PU).0617

18 ( 中譯本 - 此中譯本內容以英文本為準 ) 香港理工大學 由友邦保險提供的自願參與醫療保險計劃 - 友心意醫療保障計劃 ( 友心意計劃 ) 友心意計劃的投保細則如下.. 1. 大學僱員醫療福利計劃 ( 僱員計劃 ) 的成員參加友心意計劃之最高年齡為 65 歲 ( 即到達 66 歲生日之前 ) 2. 如僱員計劃成員一直無間斷地受保於僱員計劃及友心意計劃 ( 如適用 ) 合共 12 個月 ( 兩者互相重疊的時間除外 ), 則受保於僱員計劃之 已存在傷病 將會在友心意計劃繼續受保障 友心意計劃可終身續保 3. 僱員計劃成員只需支付保費, 便可參加友心意計劃 申請參加限期如下 : (a) 新入職僱員計劃成員..於加入僱員計劃後 30 日內 1 ; 否則, 只可 2 於保單週年日後 30 日內參加 即 2018 年 7 月 1 日或 2019 年 7 2 月 1 日後 30 日內 ; 或 (b) 現有僱員計劃成員 年 7 月 1 日後 30 日內 ; 否則, 只可於保單週年日後 30 日內參加 即 2018 年 7 月 1 日或 2019 年 7 月 1 日後 30 日內 ; 或 (c) 現有和新入職的僱員計劃成員 3..在僱員計劃成員資格終止( 即退休或離職 ) 後 30 日內及未達 66 歲生日前, 以較早者為準 4. 僱員計劃成員選擇友心意計劃的計劃級別將不可以超過其於僱員計劃的指定住房級別 如欲瞭解友心意計劃詳情, 請從友邦保險網站 aia.com.hk 參閱產品簡介或致電專線 查詢! 友心意計劃與僱員計劃的成員資格生效日期相同 視乎參加年份, 友心意計劃的成員資格於 2017/2018/2019 年的 7 月 1 日生效 友心意計劃的成員資格生效日期為緊接僱員計劃成員資格終止日之後一天 2017 年 6 月 29 日

19

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30 AIDS HIV AIA (852) aia.com.hk e hk.eb.marketing@aia.com

31 12 0 2,115 4,067 8, ,115 4,067 8, ,115 4,067 8, ,115 4,067 8, ,115 4,067 8, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,395 2,684 5, ,401 2,696 5, ,409 2,711 5, ,424 2,740 5, ,442 2,772 5, ,458 2,805 5, ,476 2,841 5, ,496 2,883 5, ,520 2,930 5, ,537 2,967 5, ,557 3,007 6, ,604 3,103 6, ,650 3,192 6, ,695 3,284 6, ,740 3,374 6, ,779 3,454 6, ,821 3,539 7, ,856 3,612 7, ,895 3,691 7, ,931 3,764 7, ,972 3,880 7, ,024 3,986 8, ,071 4,082 8, ,126 4,195 8, ,184 4,314 8, ,197 4,431 9, ,250 4,539 9, ,315 4,668 9, ,385 4,737 9, ,444 4,814 10, ,444 4,891 10, ,520 4,978 10, ,610 5,156 10, ,698 5,331 11, ,741 5,416 11, ,793 5,519 11, ,862 5,655 11, ,975 5,880 12, ,096 6,118 12, ,211 6,344 13, ,320 6,757 15, ,429 6,979 15, ,557 7,238 16, ,697 7,524 16, ,866 7,869 17, ,106 8,358 18, ,461 9,080 20, ,911 9,996 22, ,343 10,875 24, ,770 11,742 26, ,179 12,839 28,319 66* 6,430 13,500 29,472 67* 6,798 14,271 30,837 68* 7,189 15,093 32,281 69* 7,606 15,969 33,813 70* 7,961 16,713 35,391 71* 8,345 17,519 37,100 72* 8,736 18,340 38,836 73* 9,150 19,208 40,674 74* 9,568 20,088 42,537 75* 9,855 20,691 43,813 76* 10,155 21,317 45,140 77* 10,459 21,958 46,496 78* 10,774 22,619 47,894 79* 11,098 23,299 49,335 80* 11,432 24,002 50,824 81* 11,777 24,725 52,356 82* 12,128 25,462 53,916 83* 12,490 26,221 55,521 84* 12,867 27,014 57,204 85* 13,248 27,812 58,893 86* 13,321 27,966 59,218 87* 13,381 28,091 59,482 88* 13,450 28,238 59,794 89* 13,516 28,377 60,089 90* 13,579 28,508 60,367 91* 13,649 28,654 60,676 92* 13,711 28,787 60,956 93* 13,784 28,940 61,281 94* 13,845 29,066 61,547 95* 13,911 29,204 61,839 96* 13,980 29,350 62,150 97* 14,043 29,481 62,427 98* 14,116 29,635 62,752 99* 14,182 29,775 63, *100

32 , , , , , , , , , , , , , , , ,037 2, ,134 2,501 66* 568 1,192 2,602 67* 600 1,260 2,723 68* 635 1,333 2,850 69* 672 1,410 2,986 70* 703 1,476 3,125 71* 737 1,547 3,276 72* 771 1,619 3,429 73* 808 1,696 3,592 74* 845 1,774 3,756 75* 870 1,827 3,869 76* 897 1,882 3,986 77* 924 1,939 4,106 78* 951 1,997 4,229 79* 980 2,057 4,356 80* 1,009 2,119 4,488 81* 1,040 2,183 4,623 82* 1,071 2,248 4,761 83* 1,103 2,315 4,903 84* 1,136 2,385 5,051 85* 1,170 2,456 5,200 86* 1,176 2,469 5,229 87* 1,182 2,480 5,252 88* 1,188 2,493 5,280 89* 1,193 2,506 5,306 90* 1,199 2,517 5,330 91* 1,205 2,530 5,358 92* 1,211 2,542 5,382 93* 1,217 2,555 5,411 94* 1,223 2,567 5,435 95* 1,228 2,579 5,460 96* 1,234 2,592 5,488 97* 1,240 2,603 5,512 98* 1,246 2,617 5,541 99* 1,252 2,629 5, *100

33 ,599 5,204 6,843 9, ,433 4,960 6,522 9, ,433 4,960 6,522 9, ,527 5,095 6,700 9, ,527 5,095 6,700 9, ,073 5,888 7,726 11, * 4,396 6,341 8,334 11,906 70* 5,741 8,308 10,913 15, * * ,051 70* , * 66

34 PTA999345(PU).0617