GLOBALIS

Product Summary

Presented to (Name of Applicant):

Signature of Applicant: Date (dd/mm/yyyy):

Covered Person Name in Full Date of Birth (dd/mm/yyyy) Gender

Main Insured ☐ Male ☐ Female
Dependant 1 ☐ Male ☐ Female
Dependant 2 ☐ Male ☐ Female
Dependant 3 ☐ Male ☐ Female
Dependant 4 ☐ Male ☐ Female

Name of Financial/Insurance Advisor:

Signature of Financial/Insurance Advisor: Date (dd/mm/yyyy):

This document provides a brief summary of the Globalis Policy and is not a contract of insurance. Premium is based on age at time of
application. For full terms and conditions, please refer to the Policy Wording. Applications are subject to medical underwriting and
acceptance.

Product Information
Plan Benefits, Limits & Options
Globalis is available to individuals, families, and employers. It provides comprehensive health insurance and assistance services to
members worldwide. Members are protected against the financial impact of medical expenses, where they are eligible for
reimbursement, up to the limitations of the purchased Plan.

There are four Plans to select from (Emergency Assistance benefits are included in all):

Bronze Inpatient/Hospitalization benefits

Silver Inpatient/Hospitalization and Outpatient benefits
Gold Inpatient/Hospitalization, Outpatient, Wellness, and Dental benefits
Platinum Inpatient/Hospitalization, Outpatient, enhanced Wellness & Dental, Vision, and Maternity benefits

We also offer 8 Options if you are looking to reduce your annual premium payable:

1. Overall Annual Plan Limit

2. Geographic Area of Cover
3. High-Cost Providers Access
4. Hospital Room Types
5. Deductibles (applicable only to Inpatient treatments)
6. Outpatient Benefits Annual Plan Limit (applicable to Outpatient, Wellness, Dental, and Vision benefits)
7. Co-insurance (for Outpatient, Wellness, Dental, and Vision benefits)
8. Outpatient Direct Billing Services

No Claims Discount
As a reward for healthy living, any Member who submits no claims and uses no direct billing arrangement during the policy year, will
be provided a discount on the premium otherwise due at their next renewal. This applies to Members enrolled under a Silver, Gold, or
Platinum Plan only. The No Claim Discount starts at 10% for 1 year with no claims and increases yearly up to a maximum 25% discount.
Claims made for wellness, dental, vision, or hospital cash benefits do not affect the discount.

Eligibility
To become a Policyholder, you must be between 18 and 74 years of age at the time of application. Your dependants may be enrolled
into the same Policy, and you are free to choose different plans and options for each of them. Unmarried children under the age of
26, who are enrolled as full-time students at a recognized education institute, may also be covered under your policy. Children aged
between 6 and 17 years may be covered on their own, as long as a parent or guardian is named as the policyholder (the parent or
guardian in such cases will not be entitled to benefits). Residents of the United States are not eligible for this policy.
Page 1 of 8
 Plan
Benefits
Bronze Silver Gold Platinum
(1) SGD 3,900,000 / USD 3,000,000
Overall Annual Plan Limit
3 Options: (2) SGD 1,950,000 / USD 1,500,000
(All Benefits)
(3) SGD 650,000 / USD 500,000
(1) Worldwide excluding USA
Area of Cover for
3 Options: (2) Southeast Asia; including Singapore, Australia & New Zealand
Elective Treatments
(3) Southeast Asia; excluding Singapore, Australia & New Zealand
Outside Area of Cover: Emergency Up to SGD 650,000 / USD 500,000,
Inpatient & Day-Care Treatments available during trips of up to 30 consecutive days only
Up to
Outside Area of Cover: Unexpected,
SGD 1,300 / USD 1,000,
sudden illnesses requiring Not Included Not Included Not Included
available during trips of up
Outpatient Treatments
to 30 consecutive days only

High-Cost Providers Access (1) Full Access

(Available to residents of Singapore, 3 Options: (2) Access with 15% Coinsurance
Indonesia, Hong Kong, Macau, China) (3) No Access

Inpatient Benefits
(Including day-care treatments)

5 Options: (1) Nil

Deductible (2) SGD 1,300 / USD 1,000 (1) Nil
(Applicable to all Inpatient Treatments
(3) SGD 3,250 / USD 2,500 3 Options: (2) SGD 1,300 / USD 1,000
and to all Maternity and Newborn Care
Inpatient Treatments)
(4) SGD 6,500 / USD 5,000 (3) SGD 3,250 / USD 2,500
(5) SGD 13,000 / USD 10,000

(1) Standard Single Room

Hospital Room Type 2 Options:
(2) Semi-Private Room
Hospital Charges
Parent Accommodation
Surgeon, Anesthetist & Theater Fees
Surgical Procedures
Specialist Consultations
Diagnostic tests (e.g. Radiology,
Pathology, MRI, PET, CT scan)
Prescribed Medicines, Drugs &
Dressings
Prosthetic Implants, Appliances,
Devices Full Refund Full Refund Full Refund Full Refund

Organ & Bone Marrow Transplants

Complications of Pregnancy where
the mother's life is at risk and
hospitalization is required. Examples
include ectopic pregnancy,
hemorrhage and eclampsia.
(A waiting period of 12 months applies)

Reconstructive/Remedial Treatment
Accidental Damage to Teeth
Private Ambulance
Pre-Hospitalization Outpatient
Services: General Practitioner /
Full Refund,
Specialist Consultations, Diagnostic
for up to 60 days pre-hospitalization
Tests, Medications preparing a
Member for hospitalization
Post-Hospitalization Outpatient
Services: Specialist Consultations, Full Refund,
Diagnostic Tests, Medications, for up to 90 days post-hospitalization
Physiotherapy
Home Nursing Charges Full Refund, up to 10 weeks
Psychiatric Care Up to a lifetime limit of Up to a lifetime limit of Up to a lifetime limit of Up to a lifetime limit of
(A waiting period of 12 months applies) SGD 39,000 / USD 30,000 SGD 52,000 / USD 40,000 SGD 58,500 / USD 45,000 SGD 78,000 / USD 60,000

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 Plan
Benefits
Bronze Silver Gold Platinum
Hospice and Palliative Care Up to a lifetime limit of Up to a lifetime limit of Up to a lifetime limit of Up to a lifetime limit of
(A waiting period of 12 months applies) SGD 32,500 / USD 25,000 SGD 45,500 / USD 35,000 SGD 52,000 / USD 40,000 SGD 65,000 / USD 50,000
Up to SGD 65 / USD 50 Up to SGD 100 / USD 75 Up to SGD 100 / USD 75 Up to SGD 160 / USD 125
Daily Hospital Cash Benefit
per night per night per night per night

Benefits for the following conditions cover both Inpatient and Outpatient treatments
If you chose a Deductible for your Inpatient Benefits, it will apply to any eligible Inpatient claim for benefits listed below.
If you chose a Coinsurance for your Outpatient Benefits, it will apply to any eligible Outpatient claim for benefits listed below.
Cancer Treatments & Oncology:
Consultations, Medications, Full Refund Full Refund Full Refund Full Refund
Radiation Therapy, Chemotherapy
Up to a lifetime limit of
Kidney Dialysis Full Refund Full Refund Full Refund
SGD 26,000 / USD 20,000
Treatment of Chronic Conditions Full Refund,
(Limited to acute exacerbations for for treatment of acute
Full Refund Full Refund Full Refund
Chronic Conditions existing at time of episodes requiring
application) hospitalization
Congenital Conditions Manifesting
more than 60 days after birth Up to a lifetime limit of
(A waiting period of 24 months applies, SGD 32,500 / USD 25,000, Up to a lifetime limit of Up to a lifetime limit of Up to a lifetime limit of
but will be waived together with the 60
for treatment received as SGD 45,500 / USD 35,000 SGD 45,500 / USD 35,000 SGD 65,000 / USD 50,000
days for child Dependants whose delivery
an Inpatient
was covered under their mother’s policy
enrolled within 30 days of their birth)
HIV/AIDS Up to a lifetime limit of
Not Included Not Included Not Included
(A waiting period of 24 months applies) SGD 65,000 / USD 50,000

Outpatient Benefits
Outpatient Annual Limit (1) Up to Overall Annual Plan Limit
(Applicable to Outpatient, Wellness, Not Included 3 Options: (2) SGD 19,500 / USD 15,000
Dental, and Vision Benefits) (3) SGD 9,750 / USD 7,500
(1) Yes
Outpatient Direct Billing Services Not Included 2 Options:
(2) No

Coinsurance (1) No Coinsurance

(Applicable to Outpatient, Wellness, Not Included 3 Options: (2) 10%
Dental, and Vision Benefits) (3) 20%
Consultations with a
General Practitioner or Specialist
Prescribed Medicines, Drugs &
Dressings
Diagnostic tests (e.g. Radiology,
Pathology, MRI, PET, CT scan)
Non-surgical & minor surgical
procedures & treatment Full Refund Full Refund Full Refund

Hormone Replacement Therapy

(Up to 18 months from date of diagnosis)
Physiotherapy
(Pre-Authorization is required if more
than 7 sessions are required for a given
Not Included
condition)
Durable Medical Equipment
Complementary Therapies SGD 100 / USD 75 SGD 130 / USD 100
(Where provided by a chiropractor, Full Refund,
per session, per session,
osteopath, acupuncturists, homeopath or up to 20 sessions
up to 10 sessions up to 12 sessions
Traditional Chinese Medicine Practitioner)
Traditional Chinese Medicines
(Where prescribed and provided as part Up to SGD 50 / USD 40 Up to SGD 50 / USD 40 Up to SGD 80 / USD 60
of a covered TCM consultation – see per session per session per session
above)
Psychiatric & Psychological Care Full Refund,
(A waiting period of 6 months applies if
Not Included Not Included up to a lifetime limit of
premium is paid monthly, quarterly or
10 sessions
semi-annually)
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 Plan
Benefits
Bronze Silver Gold Platinum
Wellness
(A waiting period of 6 months applies if premium is paid monthly, quarterly or semi-annually)
The Coinsurance you selected for your Outpatient
Coinsurance
Benefits will also apply to Wellness Benefits
Annual Health Checkup
Well-Child Examinations
(Where delivery was covered by the
mother’s policy) Not Included

Vaccinations Up to SGD 580 / USD 450 Up to SGD 840 / USD 650

Mammogram Screening
Pap Smear
Prostate Cancer Screening

Dental
(A waiting period of 6 months applies to Basic Dental if premium is paid monthly, quarterly or semi-annually)
The Coinsurance you selected for your Outpatient
Coinsurance
Benefits will also apply to Dental Benefits
Preventative & Basic Restorations
Not Included
Complex Dental & Major Up to Up to
Restorations SGD 970 / USD 750 SGD 1,950 / USD 1,500
(A waiting period of 6 months applies)

Vision
(A waiting period of 6 months applies if premium is paid monthly, quarterly or semi-annually)
The Coinsurance you
selected for your
Coinsurance Outpatient Benefits will
also apply to Vision
Not Included Benefits
Eye examination with an
Optometrist or Ophthalmologist
Up to SGD 390 / USD 300
Contact lenses; corrective lenses;
frames

Maternity
(A waiting period of 12 months applies)
The Deductible you
selected for your Inpatient
Benefits will also apply to
Deductible
Maternity Inpatient and
Newborn Care Inpatient
Benefits
Pre-Natal & Post-Natal Outpatient
Checkups; Delivery
Up to:
- after 12 months
- SGD 13,000 / USD 10,000
- after 24 months
- SGD 15,600 / USD 12,000
- after 36 months
- SGD 19,500 / USD 15,000
of continuous membership in the Not Included
Platinum Plan

Newborn Care: Inpatient and day-

care treatment during the first 60
days after birth; including cover for
Congenital Conditions Manifesting
within 60 days of birth Up to:
- after 12 months - SGD 65,000 / USD 50,000
- after 24 months - SGD 97,500 / USD 75,000
- after 36 months - SGD 130,000 / USD 100,000
of continuous membership in the
Platinum Plan

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 Plan
Benefits
Bronze Silver Gold Platinum
Emergency Assistance
(Emergency Assistance & Repatriation Benefits)
Annual Limit Up to Overall Annual Plan Limit
Medical Evacuation
Medical Repatriation
Return to Country of Residence after Full Refund Full Refund Full Refund Full Refund
Evacuation (economy ticket)
Round-trip for a family member
(economy ticket)
Accommodation expenses for a
Up to SGD 130 / USD 100 per night, limited to 10 nights
family member
Compassionate Visit by a family
member in the event of Member’s
death (economy ticket)
Dispatch of Essential Medication
Not Available Locally
Repatriation of Mortal Remains
(Casket is covered up to SGD 5,200 / Full Refund Full Refund Full Refund Full Refund
USD 4,000)
Local burial or cremation if outside of
Country of Residence or Nationality
Second Medical Opinion
(up to 2 requests per year)
24/7 Medical Information and Advice

(OPTIONAL) Travel Benefits

Accidental Death & Permanent Total
Disablement Up to: Up to: Up to: Up to:
- Per Adult: up to 70 years of age - SGD 115,000 / USD 89,000 - SGD 115,000 / USD 89,000 - SGD 115,000 / USD 89,000 - SGD 115,000 / USD 89,000
- Per Adult: above 70 years of age - SGD 68,000 / USD 53,000 - SGD 68,000 / USD 53,000 - SGD 68,000 / USD 53,000 - SGD 68,000 / USD 53,000
- Per Child - SGD 22,000 / USD 17,000 - SGD 22,000 / USD 17,000 - SGD 22,000 / USD 17,000 - SGD 22,000 / USD 17,000
Double Indemnity for Public
Conveyance Up to: Up to: Up to: Up to:
- Per Adult: up to 70 years of age - SGD 230,000 / USD 178,000 - SGD 230,000 / USD 178,000 - SGD 230,000 / USD 178,000 - SGD 230,000 / USD 178,000
- Per Adult: above 70 years of age - SGD 139,000 / USD 107,000 - SGD 139,000 / USD 107,000 - SGD 139,000 / USD 107,000 - SGD 139,000 / USD 107,000
- Per Child - SGD 45,000 / USD 35,000 - SGD 45,000 / USD 35,000 - SGD 45,000 / USD 35,000 - SGD 45,000 / USD 35,000
Up to Up to Up to Up to
Child Protection
SGD 22,000 / USD 17,000 SGD 22,000 / USD 17,000 SGD 22,000 / USD 17,000 SGD 22,000 / USD 17,000
Emergency Personal Mobile Phone
Up to SGD 90 / USD 70 Up to SGD 90 / USD 70 Up to SGD 90 / USD 70 Up to SGD 90 / USD 70
Charges
Up to Up to Up to Up to
Baggage & Personal Effects
SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500
Baggage Delay
- Overseas (for every 6 hours’ delay) - SGD 90 / USD 70, - SGD 90 / USD 70, - SGD 90 / USD 70, - SGD 90 / USD 70,
up to SGD 900 / USD 700 up to SGD 900 / USD 700 up to SGD 900 / USD 700 up to SGD 900 / USD 700
- Country of Residence (for every 6 - SGD 45 / USD 35, - SGD 45 / USD 35, - SGD 45 / USD 35, - SGD 45 / USD 35,
hours’ delay) up to SGD 450 / USD 350 up to SGD 450 / USD 350 up to SGD 450 / USD 350 up to SGD 450 / USD 350
Loss or theft of Money or Travel
Up to Up to Up to Up to
Documents (sub-limit of SGD 450 /
SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500
USD 350 for money)
Loss of Deposit and/or Cancellation
Up to Up to Up to Up to
Charges including Curtailment
SGD 22,000 / USD 17,000 SGD 22,000 / USD 17,000 SGD 22,000 / USD 17,000 SGD 22,000 / USD 17,000
Expenses
Travel Delay (for every 6 hours’ delay) - SGD 45 / USD 35, - SGD 45 / USD 35, - SGD 45 / USD 35, - SGD 45 / USD 35,
Missed Connection / Travel Diversion - SGD 139 / USD 107; - SGD 139 / USD 107; - SGD 139 / USD 107; - SGD 139 / USD 107;
up to SGD 900 / USD 700 up to SGD 900 / USD 700 up to SGD 900 / USD 700 up to SGD 900 / USD 700
SGD 450 / USD 350 per day, SGD 450 / USD 350 per day, SGD 450 / USD 350 per day, SGD 450 / USD 350 per day,
Hijack (exceeding 12 consecutive
up to up to up to up to
hours)
SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500 SGD 4,500 / USD 3,500
Overbooked Flight Up to SGD 180 / USD 140 Up to SGD 180 / USD 140 Up to SGD 180 / USD 140 Up to SGD 180 / USD 140
Page 5 of 8
 Plan
Benefits
Bronze Silver Gold Platinum
Up to Up to Up to Up to
Personal Liability
SGD 450,000 / USD 350,000 SGD 450,000 / USD 350,000 SGD 450,000 / USD 350,000 SGD 450,000 / USD 350,000
SGD 45 / USD 35 SGD 45 / USD 35 SGD 45 / USD 35 SGD 45 / USD 35
Loss of use of Hotel Facilities per 48 hours, per 48 hours, per 48 hours, per 48 hours,
up to SGD 180 / USD 140 up to SGD 180 / USD 140 up to SGD 180 / USD 140 up to SGD 180 / USD 140
Up to Up to Up to Up to
Home Protection
SGD 2,200 / USD 1,700 SGD 2,200 / USD 1,700 SGD 2,200 / USD 1,700 SGD 2,200 / USD 1,700
Terrorism Cover Up to: Up to: Up to: Up to:
- Per Adult: up to 70 years of age - SGD 115,000 / USD 89,000 - SGD 115,000 / USD 89,000 - SGD 115,000 / USD 89,000 - SGD 115,000 / USD 89,000
- Per Adult: above 70 years of age - SGD 68,000 / USD 53,000 - SGD 68,000 / USD 53,000 - SGD 68,000 / USD 53,000 - SGD 68,000 / USD 53,000
- Per Child - SGD 22,000 / USD 17,000 - SGD 22,000 / USD 17,000 - SGD 22,000 / USD 17,000 - SGD 22,000 / USD 17,000
Rental Car Excess Charges Up to SGD 680 / USD 530 Up to SGD 680 / USD 530 Up to SGD 680 / USD 530 Up to SGD 680 / USD 530

Important Note: For any medical condition, treatment expense or benefit, we only cover reasonable and customary costs for covered conditions not
subject to a Waiting Period and where Pre-Authorization has been obtained if Pre-Authorization is required. Please refer to the Policy Wording for
details. Your benefit limits will be expressed in the currency you select for your Policy at time of Application.

Key Product Provisions

Please find below key product provisions of this policy. This is only a brief summary, please refer to the policy wording for full terms
and conditions. Should you require further information, please consult your insurance advisor.

Geographic Areas of Cover: You may choose a geographic Area of Cover for elective treatments, as long as your country of residence
falls within it. Elective treatments will not be covered outside of your chosen Area of Cover. Emergency treatments for unexpected
illness or injury will be covered outside your Area of Cover for trips of up to 30 consecutive days.
Cooling-Off Period: Should you decide the Policy does not meet your needs, you may cancel it within 14 days of first purchasing it, if
you have not submitted any claims or obtained any cashless services.
Policy Cancellation: We retain the right to terminate your policy from its inception date if we find that you failed to fully disclose any
information we had requested from you, have misled us by misstatement, if you or your dependant submitted a claim which is false,
fraudulent or intentionally exaggerated, or if you or your dependant or anyone acting on your or their behalf used fraudulent means
or devices to obtain a benefit under this Policy.
Terms of Policy Renewal: This policy is an annual contract. At the end of each policy year, if your policy is still available, we will offer
you terms for renewal. We shall notify you of any renewal offer at least 30 days prior to your policy expiration. Should your policy not
still be available, we will provide you due notice prior to your renewal date. Your policy will not otherwise be cancelled, unless required
under the cancellations terms of the contract.
Premium Changes: The premiums payable for this policy are not guaranteed. Premiums may be adjusted at the policy renewal date.

Waiting Periods: The following benefits shall only be paid after a waiting period:

• Complex Dental & Major Restorations

6 months
• Outpatient Psychiatric & Psychological Care
• Complications of Pregnancy
• Hospice & Palliative Care
12 months
• Inpatient Psychiatric Care
• Maternity
• Congenital Conditions manifesting more than 60 days after birth (except for children whose delivery was
covered under their mother’s Globalis Policy) 24 months
• HIV/AIDS

Waiting Periods: The following benefits shall only be paid after a waiting period unless you have chosen to pay premiums annually:

• Outpatient Psychiatric & Psychological Care

• Preventative Dental & Basic Restorations
6 months
• Vision
• Wellness

Exclusions: There are certain conditions and treatments that not eligible for benefits under this policy. These are defined as exclusions
in the contract. The following is a list of some of the exclusions. For the full list of exclusions, please refer to the policy wording.
- Alternative Treatments: We do not cover alternative treatments and therapies. We also do not cover services such as those received
in a health hydro, natural healing clinic, spa, or similar non-hospital facility.

Page 6 of 8
- Artificial Life Maintenance: Treatment (including mechanical ventilation) that will not or is not expected to result in the Member’s
recovery or restore the Member to his/her previous state of health.
- Conflict & Disaster: Treatment of medical conditions or injuries resulting from nuclear or chemical contamination; war; acts of foreign
enemies or insurrection; participation in a civil commotion or riot; epidemics put under the control of the local public health
authorities; any natural catastrophic event; or any similar event.
- Convalescence: Costs related to the gradual recovery of health and strength after treatment for an illness or injury has ended,
including:
▪ Hospital costs from the date your treating doctor has advised you can be discharged
▪ General nursing care or supervision at home (unless home nursing was Pre-Authorized by us)
▪ Services of a therapist or complementary therapist at home
▪ Domestic/living assistance such as for bathing and dressing
- Cosmetic Treatment: Treatment to improve the member’s appearance, including cosmetic dentistry, treatment related to or arising
from the removal of surplus fat tissue, such as liposuction, hair transplants for any reason.
- Developmental Problems: Learning, behavioural and social disorders and difficulties, such as dyslexia; behavioural problems, such as
attention deficit hyperactivity disorder (ADHD); speech disorders and physical development problems, such as short stature.
- Experimental Treatments: Treatments, testing or prescription medicines or drugs, including stem cell treatments, which in the opinion
of the public authority of the country where it is provided is experimental or unproven; clinical trial participation; prescription drug
used for purposes other than those defined by their license.
- Eyesight: Treatment of refractive illnesses; correctional surgery or treatment such as laser treatment, refractive keratotomy (RK) and
photorefractive keratectomy (PRK). We will, however, cover treatment medically required following a disease, illness or injury, such
as a cataract or detached retina.
- Failure to Follow Medical Advice: Situations or costs arising because of complications or extended hospital stays arising from a failure
to follow the medical advice of a treating Doctor or Hospital.
- Infertility Treatment: Investigations into the cause of infertility or treatment to assist reproduction such as in-vitro fertilization (IVF);
gamete intrafallopian transfer (GIFT); zygote intrafallopian transfer (ZIFT); artificial insemination (AI); prescribed drug treatment;
embryo transport (from one physical location to another); or donor ovum and/or semen and related costs.
- Non-Prescribed Medications: Pharmaceuticals, drugs or other compounds that have not been prescribed and any pharmacy item
that can be legally sold without prescriptions (even when a prescription has been obtained) including but not limited to Panadol,
vitamins and supplements, sun-cream, cosmetics, skin lotions, food supplements and baby formula.
- Not Medically Necessary: Any test, examination or consultation that is not medically necessary, or which cannot contribute to,
improve or change the treatment of a covered condition. This includes such costs as telephone, television, radio, newspaper, guests’
meals and other optional costs not covered within a hospital’s standard accommodation fee when confined as an Inpatient or for
Day Surgery. Hospitalizations primarily for diagnosis, x-ray examinations, general physical or medical check-up will be considered
not medically necessary and any benefits payable will be in accordance with outpatient or wellness benefits only, where entitlements
exist.
- Obesity: Treatment for obesity including weight reduction aids or drugs and weight reduction classes.
- Persistent Vegetative State and Neurological Damage: Costs incurred once the treating doctor has determined the Member is in a
persistent vegetative state or Inpatient treatment exceeding 90 continuous days for permanent neurological damage.
- Pre-Existing Conditions: Treatments for any pre-existing condition, symptom, or condition related to, or resulting from, a pre-existing
condition. Only if a condition has been disclosed to, and accepted by, us at application will it be considered covered under the policy.
- Sanction Limitation: Neither Safe Meridian nor its Insurers shall be deemed to provide cover or be liable to pay any claim or provide
any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would
expose Safe Meridian or its Insurers to any sanction, prohibition or restriction under United Nations resolutions or the trade or
economic sanctions, laws or regulations of any country including but not limited to Singapore, the European Union, United Kingdom
or United States of America.
- Self-inflicted Injury or Death: Intentional self-inflicted injury or suicide or attempt thereof, regardless of sanity, and including injuries
or treatments related to tattooing or piercing of any part of the body.
- Sexually Transmitted Diseases: Treatment or investigation related to any disease or condition that is sexually transmitted.
- Treatment Outside Your Area of Cover: Elective Care outside of your chosen geographic Area of Cover and treatments during travel
outside of your Area of Cover where the travel was for the purpose of obtaining treatment (we will consider your medical condition
and treatment needs prior to travel and any advice your treating doctor may have provided you).
- Unlawful and/or Dangerous Acts: Situations, accidents, injuries, or medical conditions arising from prolonged use, overdose, or being
under the influence of non-prescribed drugs or alcohol; participation in a fight, criminal act or act of Terrorism; while jailed following
a conviction with no appeal pending; travel to a country or area against the advice of authorities.
- Unreasonable Charges: Expenses deemed extravagant, unreasonable or not customary for the treatment, healthcare provider or
country in which they were incurred, may be declined or subject to a limited coverage.
Distribution Costs: At your request, information about distribution costs, charges and expenses will be made available.

Page 7 of 8
Premiums: Globalis is denominated in Singapore dollars and United States dollars. The premium payable and benefits provided shall
be expressed in the currency you select at the time of Application. Premium payment can be made by Bank Transfer, Cheque, or Credit
Card. Please refer to the attached premium table or the quotation you were provided for full details.

Important Information:

This policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance
Corporation (SDIC). Coverage for your policy is automatic and no further action is required by you. For more information on the
types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit
the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

If you are a Singapore citizen or permanent resident, you are covered by MediShield Life for life, for treatments in Singapore,
regardless of pre-existing medical conditions or other circumstances that you face. For more details on your coverage, please visit
www.medishieldlife.sg. Globalis is not a Medisave-approved policy, which means you are not able to use Medisave to pay its
premium.

This policy is a short-term accident and health policy and the Insurer is not required to renew this policy.

Underwritten by: QBE Insurance (Singapore) Pte Ltd

A member of the worldwide QBE Insurance Group
Singapore Company Registration No. 198401363C
1 Raffles Quay #29-10, South Tower, Singapore 048583
SG | PS-Oct2018

Arranged by: Safe Meridian Pte. Ltd.

Singapore Company Registration No. 201541480K
3 Church Street, #12-02 Samsung Hub, Singapore 049483
Tel: +65 6692 9151 • Website: https://www.safemeridian.com