Schedule of Benefits Type of medical plan Room rate Room & Board (R & B) (days)

PruHealth 200 ILP only 200 120

ICU (days) Pre-hospitalization Treatment (days) Post-hospitalization Treatment (days) Emergency Accidental Out-patient Limit Emergency Accidental Out-patient (days)

30 30 90 2,000 Subject to annual limit 180 days/lifetime. As charged. Subject to co-insurance As charged. Subject to co-insurance As charged. Subject to co-insurance

Home Nursing Care Kidney Dialysis Cancer Treatment

Miscellaneous Annual Limit Lifetime Limit

75,000 750,000 10%. Min 300 & max 1,000 for H & S.

Coinsurance Premium Last Review Date

Max 2,000 for outpatient 1032 (expired age 70) 10/6/2011

PruFlexi Med 200(Zero Deductible) PruFlexi Med 200(Deductible 300) ING MediPlus 180 ILP only ILP only Standalone only 200 200 180 60/disability (shared bet. R & 120 120 B and ICU) 60/disability (shared bet. R & B and ICU). 60 60 Max RM 300/d 90 90 31 90 90 60 2% of annual limit Subject to annual limit 180 days/lifetime. As charged. As charged. As charged. If you stay in a room with lower R & B rate, the difference will be refunded to you. If you stay in a room with 120,000 2,400,000 2% of annual limit Subject to annual limit 180 days/lifetime. As charged. As charged. As charged. If you stay in a room with lower R & B rate, the difference will be refunded to you. If you stay in a room with 120,000 2,400,000 As charged. 31

1,000/disability As charged. As charged.

110,000 330,000

No co-insurance. 1551.36 (expired age 70) 24/3/2012

No co-insurance. 1310.52 (expired age 70) 24/3/2012

RM 50 906 5/6/2011

ING Prime MediPlus 2 ILP only 180 60/disability (shared bet. R & B and ICU) 60/disability (shared bet. R & B and ICU), max RM 300/d 31 60 As charged. 10% co-insurance per visit. 31

AIA Excelcare Plus 200 Standalone & ILP 200 120

GE Smart Medic 200 ILP only 200 180 (shared bet. R & B and ICU) 180 (shared bet. R & B and ICU) 60 90 4,000 30

120 60 60 2,500 30

1,000/disability As charged. 10% co-insurance per visit. As charged. 10% co-insurance per visit.

50,000 (lifetime) 15,000 (lifetime)

As charged. Subject to coinsurance As charged. Subject to coinsurance Organ transplant subject to annual limit. No claims bonus (increment of annual limit) 120,000 1,200,000 10%. Max 500.

120,000 1,200,000 for 10% co-insurance hospitalisation & out-patient (except cancer, kidney & accidental treatments). Min RM300, Max RM1,000. For cancer, kidney & Not available 30/12/2011

Organ transplant subject to annual limit 115,000 400,000 Co-insurance free amount 25,000.

20% co-insurance with no 10% co-insurance for amount maximum cap for plan SM100 over co-insurance free amount & SM150 if exceed room & up to annual limit. board Max 3,000 534 8/4/2011

498 15/3/2012

Allianz MediCover Plan 200 ILP only 200 150/disability

ManuCare100 R&B 200 Standalone & ILP 200 No limit As charged. Subject to reasonable charges & co-insurance. 60 90 2,000 -

AXA Affin Medical Care Plus Silver Term / ILP 150 120/disability

50/confinement 31 60 2,000 30 180 days/lifetime. As charged. Subject to reasonable charges As charged. Subject to reasonble charges As charged. Subject to reasonble charges

60/disability 31/disability 60/disability Full reimbursement 14/disability 4,000. 180 days/lifetime. 110,000/lifetime 170,000/lifetime

100,000 1,000,000

160,000 400,000

100,000 No lifetime limit

10%. Min 300 max 500. 20% co-insurance if exceed R&B (min 300 max 3000) 520 5/8/2011

No co-insurance 414.70* 25/5/2011

No co-insurance 710 30/12/2011

HLA MedGlobal IV 200 Standalone & ILP 200 150/disability

TM Life HCS 200 ILP 200 150/disability

75/disability 60 60 Reasonable & customary charges. 30 60/d. 180d/lifetime Reasonable & customary charges. Reasonable & customary charges.

60/disability 60 60 500 per accident basis 150/d. 150d/policy year 20,000/policy year 40,000/policy year Organ transplant 50k/lifetime. Accidental D & D - 50k. TPD - 10k/lifetime. Dread Disease Benefit 3k/lifetime. 100,000 400,000

Organ transplant subject to reasonable & customary charges. 120,000 600,000

No co-insurance 847.39 11/2/2012

No co-insurance 547 5/5/2012