Corporate Employee Benefits: Medical Insurance Programme

1. Corporate Employee Benefits:Medical Insurance Programme MyGlobalBenefits Provided by Aviva Ltd, Singapore Administered by Expat Insurance Pte Ltd

2. Coverage Highlights • High Annual Limits of US$2M • No Deductible or Cost Sharing Required by Employee • Global Coverage, excluding elective treatment in USA • Full Accident & Emergency Treatment Covered in USA • Fully Covered Outpatient Benefits • Freedom of Choice for Care • Full Coverage for all Pre-Existing Conditions

4. Claims Process Inpatient, Hospitalisation, Surgery Call the 24-Hour Assistance Hotline: +65 6322 2567 Provide the following details: Name of Patient, Date of Birth Name of Hospital, Date of Admission, Attending Doctor/Surgeon

5. Claims Process Inpatient, Hospitalisation, Surgery Logon to: expatinsurance.com.sg/reflectgeo Download & Complete Pre-Hospitalisation Form Upon approval, Aviva will arrange for direct settlement with the Hospital/Provider.

6. Claims Process Outpatient Claims Two Options: Visit a Cashless Outpatient Provider Visit a Doctor of Your Choice

7. Claims Process Cashless Outpatient Claims Visit a clinic on the Cashless Directory Present your medicalcard at time of visit Sign the claim form at clinic 4. The clinic will bill Aviva directly

8. Claims Process Outpatient Reimbursement Claims Logon to: expatinsurance.com.sg/reflectgeo Download & Complete Medical Claim Form Post Claim Form & Original Invoice/Receipts to: Aviva Ltd Customer Service – Group Health Claims 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807

9. Claims Process Outpatient Reimbursement Claims Aviva will credit your preferred bank account in the currency of your choice. *Note: All claims must be submitted within 120 days. Timeline: Upon receipt of claim form and receipts by post, Aviva will process within two weeks time.

10. Information Portal Your Personal Portal can be found at: (available from 8 November) www.expatinsurance.com.sg/reflectgeo -Employee Benefit Handbooks -Summary of Benefits, Policy Wording & Definitions -Claim Forms -Procedures -Emergency Contact Numbers

11. Questions? +65 6401 9201 reflectgeo@expatinsurance.com.sg www.expatinsurance.com.sg/reflectgeo 20 Upper Circular Road The Riverwalk, #B1-52 Singapore 058416