Tokio Marine Insurance Singapore Ltd.

TMCare is specially designed to help reduce your financial burden should you or your family member be hospitalised due to illness or injuries. TMCare has 5 insurance plans to suit your different needs and budget. Whatever plan you choose, it will cover your hospitalisation expenses without you having to bear any deductible or co-payment and you are also free to seek treatment in either a public or private hospital. In addition, TMCare also provides you free access to a 24-hour helpline. You and your family can take comfort that medical help is just a telephone call away.

TMCare's basic plan provides the following benefits subject to the limits of the plan you have selected (see Benefit Table):

• Hospital and intensive care room and board

This pays for the normal ward room and board charges, intensive care ward charges incurred. There is no dedcuctible and no limit on the number of days hospitalised.

• Hospital miscellaneous services

This pays for expenses in respect of in-hospital doctor's visit, drugs, medicine, laboratory tests, administration and the cost of blood or blood plasma, ambulance fees, etc.

• Lodger benefit

For an insured person who is not more than 12 years, it pays for the expenses incurred for an adult required to accompany the insured person during hospitalisation due to an accident or illness.

• Surgery

This covers surgical procedures (including day surgery) without regard to a surgical schedule that is commonly imposed in other health and surgical insurance.

• Specialist consultation, examination and laboratory test.

This covers specialist fees in respect of consultation, pathology and radiography following referral from a general practitioner. However, this benefit will not apply if the insured person is not hospitalised or surgically treated subsequent to the diagnosis.

• Post-hospitalisation treatment

This pays for follow-up treatment by the same physician up to a period of 90 days immediately following discharge from hospital.

• Emergency dental treatment

This pays for dental treatment expenses necessarily incurred to restore or replace sound natural teeth lost or damaged by an accident.

• Emergency accidental out-patient treatments

This covers expenses for emergency out-patient treatment of accidental bodily injuries received within 24 hours of the accident. It will also pay for treatment for injuries (other than bone fractures) by Chinese physician subject to a limit of $200 per accident.

• Emergency illness out-patient treatment

This pays for expenses for emergency out-patient treatment between 12 midnight and 6 am of the same day at a hospital in connection with an illness.

• Emergency medical evacuation and repatriation

This operates only when the insured person is overseas. It pays for expenses incurred for air and/or surface transportation, medical care during transportation and other ancillary charges incurred in moving the insured person to the nearest hospital where appropriate medical care is available. In the event of death, it will also pay for the expenses incurred to transport the insured person's mortal remain back to the country of residence or cost of burial or cremation at the place of death.

• Accidental miscarriage

This pays for charges incurred for emergency treatment for miscarriage due to an accident, provided such treatment is sought within 24 hours of the accident.

• Special grant

This is payable if an insured person dies from an injury or illness during or after treatment at a hospital or in a day surgery

• Organ transplant

This pays for the cost for surgical transplant of the heart, lung, kidney, liver and bone marrow performed in a hospital. However, it excludes the cost of acquiring the organ and cost incurred by the donor.

• Out-patient cancer treatment & out-patient kidney dialysis treatment

This covers the expenses incurred in respect of out-patient cancer treatment and/or out-patient kidney dialysis treatment.

• Medical report fee

This pays for costs of obtaining medical reports in respect of eligible medical claims under the policy.

• Home nursing

This pays for home nursing care provided by a registered nurse immediately following the insured person's discharge from hospital if it is considered necessary by the attending physician.

• Daily hospital income

If an insured person is hospitalised in a government or government restructured hospital (excluding National University Hospital) due to a disability covered under this policy, an allowance will be paid for each 24-hour period of hospitalisation up to 30 days. A time excess of 48 hours is applicable to this benefit.

Schedule of Benefits Description of Benefits (Limits of benefits shown below unless otherwise stated are per disability limits) Plan A $ Plan B $ Plan C $ Plan D $ Plan E $ Annual limit (per person)** 200,000 125,000 75,000 50,000 35,000 1. Hospital room & board 500 400 250 200 160 2. Intensive care unit room & board 1,000 800 500 400 320 3. Hospital miscellaneous services * As Charged 4. Lodger benefit 5. Surgery 6. Specialist consultation, examination and laboratory test 7. Post-hospitalisation treatment 8. Emergency dental treatment 9. Emergency accidental outpatient treatment# 10. Emergency illness out-patient treatment 200 200 150 125 100 11. Emergency medical evacuation and repatriation 150,000 100,000 50,000 NA NA 12. Accidental miscarriage 1,000 1,000 1,000 1,000 1,000 13. Special grant 5,000 5,000 5,000 5,000 5,000 14. Organ transplant (bone marrow, heart, kidney, liver) 100,000 50,000 30,000 20,000 15,000 15. Out-patient cancer treatment & out-patient kidney dialysis (per year) 100,000 50,000 30,000 20,000 15,000 16. Medical report fee 100 100 100 100 100 17. Home nursing (per year maximum 26 weeks) 8,000 5,000 3,000 2,500 2,000 18. Daily hospital income (for restructured hospital only)^^ 100 100 80 75 50 * Including drugs and medicines, dressings, ordinary splints and plaster casts, lab examinations, electrocardiograms, basal metabolism tests, physical therapy, x-ray therapy, radium therapy, radium and isotopes, x-ray examinations, intravenous infusions, prescriptions, in-hospital doctor's visit once per day, but excluding eye tests, refractive errors of the eye, squint eyes, vision correction, cosmetic/plastic surgery, provision of appliances including spectacles, lenses, hearing aids, wheel chairs, prostheses, implants # Including out-patient treatment by a Chinese physician as defined in the policy ** Annual limit is the overall maximum amount payable for benefits (1) to (9) and (16) in the aggregate ^^ Benefit is payable from the 3rd day of hospitalisation subject to a maximum of 30 days

• Premium rates

The annual premium rates (excluding GST) for each of the plans are set out below. The premium rates are not guaranteed and we may, at our sole discretion, increase the premium rates from time to time depending on the claims experience. The annual premium is based on the insured person's age at the next birthday as at the effective date of the policy. The annual premium is adjusted at each renewal in accordance with the prevailing premium rates for the next attained age of the insured person. The policy will lapse if the renewal premium is not received by us on or before the expiry date.

Age at next birthday (in years)	Plan A Annual Premium S$		Plan B Annual Premium S$		Plan C Annual Premium S$		Plan D Annual Premium S$		Plan E Annual Premium S$
	Male	Female	Male	Female	Male	Female	Male	Female	Male	Female
18 - 30	704	787	567	635	404	451	271	304	196	220
31 - 40	858	1,068	689	858	491	609	331	414	240	300
41 - 50	1,236	1,329	985	1,059	704	756	479	515	348	374
51 - 60*	1,950	1,824	1,526	1,425	1,108	1,036	733	705	550	515
61 - 65*	3,293	3,070	2,529	2,393	1,835	1,740	1,257	1,195	917	869
66 - 70*	3,743	3,323	2,937	2,597	2,119	1,882	1,456	1,290	1,060	942
71 - 75*	4,762	3,835	3,337	2,735	2,225	1,982	1,758	1,443	1,395	1,140
Child	559		451		322		213		155
*     Premium for ages *61 - 75 years are for renewal purposes only
Notes You must declare whether you reside or intend to reside outside Singapore for more than 3 consecutive months. If you reside or intend to reside abroad for more than 3 consecutive months, we may approve your application subject to the payment of an additional premium. Upon entering a new age band the higher rates will apply.

The following persons are eligible to apply for TMCare:

• Adults from 18 to 60 years old (next birthday age)
• Children from 15 days old to 18 years old. Policy proposer must be a Singapore Citizen or Permanent Resident of Singapore (proposal for children must be attached to that of a parent)
• Non-Singaporean working in Singapore and holding an employment pass or work permit and has a bona fide residential address in Singapore

• For adults, policy is renewable up to the age of 75 years old subject to yearly review
• For children, policy is renewable up to the age of 25 years old provided that the child is still pursuing full-time tertiary education, single and dependant upon the main applicant for support

10% discount for family (i.e. proposer, legal spouse and children)

5% discount for proposer and children

5% discount for proposer and spouse

At the time of policy renewal, if no claim has been made under the policy of the preceding period(s), the corresponding No-claim-discount (NCD) stated below will be given:

No claim under the policy of: No-claim-discount the preceding period of insurance 10% the preceding 2 consecutive periods of insurance 15% the preceding 3 or more consecutive periods of insurance 20%

Where a claim has been made under the policy of preceding year, no NCD will be given for the renewing policy.

No deductible/co-payment

Indemnity provided for under the policy is subject to the limits of each plan. The policy does not carry any deductible or co-payment.

The following are some key provisions found in the policy.

Policy "free look"

When you first purchase this policy you will have a "Free Look" period of 14 days from the date you receive the policy. For the purpose of the "Free Look" period, your receipt of the policy will be assumed 3 days after we dispatch the policy. Within the 14 days, if you inform us that you do not want the policy, we will cancel the policy effective from its commencement date. We will then refund you the premium you have paid in full if you have not made a claim under the policy.

The "Free Look" period does not apply to short-term policies (i.e. policies with a period of insurance of less than a year) and subsequent renewals of your policy.

Cancellation clause

You or we may cancel the policy by giving each other 14 days prior notice in writing. If you cancel the policy and provided no claim has been made under the policy, the premium for the policy will be computed on the short-period basis. If we cancel the policy, the premium for the policy will be pro-rated based on the period for which the policy was in-forced.

Terms of renewal

Coverage is renewable on the policy anniversary date by the payment of the annual premium. At the time you renew the policy, you must disclose to us, fully and faithfully all the facts you know or ought to know, otherwise you may not receive any benefit from the policy.

Waiting period

This policy shall not apply and no benefits will be payable if the insured person is hospitalised or has to undergo surgery due to an illness or a disorder diagnosed within 30 days from the commencement of the policy when the insurance is first accepted. This condition does not apply to policy renewals.

Change of occupation

If the occupation of the insured person changes, you must notify us in writing of the new occupation. We shall adjust the premium you have to pay for the policy according to the rates that commensurate with the risk classification of the new occupation

Reasonable and customary charges

This is defined as the general level of charges in Singapore for similar or comparable treatment, services or supplies rendered to individuals of the same sex and comparable age relating to similar disease or injury. The benefits payable under this insurance shall be the lower of the reasonable and customary charges as defined and the charges incurred in the foreign country in which actual treatment was administered.

Exclusions

There are certain conditions under which no benefits will be payable under the policy. These are stated as exclusions in the contract. The following are some of the exclusions for TMCare. (For a complete list of the exclusions, you are advised to refer to the policy contract).

The policy does not cover:

• pre-existing condition, which is defined as any known medical condition from which the insured person is suffering on or before the issuance of the policy, including those for which treatment, medication or advice have been received before the issuance of the policy.
• Any hospitalisation or surgical charges incurred directly or indirectly for the treatment of congenital abnormalities or physical defects that have existed since birth.
• out-patient treatment not related to in-patient treatment or day surgery, except as a result of an accident or unless expressly stated
• hospitalisation primarily for diagnosis, x-ray examinations, general physical or medical check-up
• treatment for obesity, weight reduction or weight improvement, refractive errors of the eyes, correction of vision, cosmetic or plastic surgery and the provision of appliances, including spectacles, lenses, hearing aids, wheel chairs and prostheses
• sexually transmitted diseases or communicable diseases requiring isolation or quarantine by law
• treatment arising from pregnancy which shall include childbirth, miscarriage (except as a result of an accident)
• war and terrorism

IMPORTANT
This brochure is for general information only and is not a contract of insurance. You should refer to the policy for the exact terms and conditions of this insurance. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You should therefore seek advice from a qualified advisor if in doubt.

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