Table 3: Comparison of Private Integrated Shield Plans for Class A in Restructured Hospitals and Institutions NTUC Income NTUC

Income NTUC Income Enhanced IncomeShield Plan IncomeShield Plan IncomeShield Plan AIA HealthShield Benefits MA* A Advantage Gold A Inpatient and Day Surgery: Daily ward and treatment charges Daily ward and treatment charges in ICU Surgery Surgical Implants and approved medical consumables Gamma Knife Outpatient Treatment: Kidney Dialysis Cancer treatment: Radiotherapy

690 1,100 500 - 7,800 7,000 12,600

1,000 1,500 600 - 9,400 11,000 12,600

As Charged As Charged As Charged As Charged As Charged

830 1,300 650 - 8,800 7,000 14,000

AIA HealthShield Gold Prestige Restructured Hospitals As Charged As Charged As Charged As Charged As Charged

Great Eastern SupremeHealth Plan A*

Great Eastern SupremeHealth Plan A Plus

Prudential PruShield Plan A*

Prudential PruShield Plan A Plus

Aviva MyShield Plan 2

850 1,350 700 - 10,000 5,000/surgery 15,800

As Charged As Charged As Charged As Charged As Charged

900 1,400 800 - 10,000 5,000 16,000

As Charged As Charged As Charged As Charged As Charged

As Charged As Charged As Charged As Charged As Charged

2,500/mth 140 - 280 300/7 day cycle, 1,240/21 or 28 day cycle 2,500 500/mth 500/mth

2,500/mth 300/day

As Charged

30000/yr 400/day

As Charged

36,000/yr 460/day

As Charged

36,000/yr 450/day

As Charged

As Charged

Chemotherapy Immunotherapy Stereotactic Radiotherapy Immunosuppressants for organ transplant Erythropoietin Additional Benefits Limits:

3,000/mth 1000/mth 3,000 500/mth 500/mth

As Charged

1600/mth 1100/mth 2,750/treatment 6000/yr 6000/yr

As Charged

25,000/yr 15,000/yr 3500/treatment 7,200/yr 7,200/yr

As Charged

25,000/year 15,000/year 3,500/treatment 7,200/year 7,200/year

As Charged

As Charged

As Charged As Charged

As Charged As Charged

As Charged As Charged

As Charged As Charged

As Charged As Charged

Critical Illnesses Major Organ Transplant Inpatient Psychiatric Treatment

5,000/yr

As Charged 5,000/yr

30,000 /yr 100,000/lifetime (See Note (4))

As Charged 5,000/yr

Additional 100,000/yr (for Heart Attack, Major Cancer, Stroke, End Stage Lung Disease, End Stage Liver Disease) (See Note (4)) As Charged As Charged As Charged (up to 45 days) -

Extra Cancer Coverage

Free coverage for child(ren) below 20 years old Pregnancy Complications Benefit (after 10 mths waiting period) Congenital Abnormalities Benefit (after 24 mths waiting period) Confinement in Community Hospital Living Donor Organ Transplant (after 24 mths waiting period) (see Note (7)) Other Policy Features Proration factors Proration factors for Private Outpatient Clinics (Cancer and Dialysis Treatment)

5,000/yr (for selected conditions only) 7,500/yr 1,000/day (up to 45 days)

As Charged (for selected conditions only) As Charged As Charged (up to 90 days)

As Charged

As Charged

As Charged 300/day

As Charged (for selected conditions only) As Charged As Charged

Yes, under Plan 2 (if both parents take up plan 1 or 2) (See Note (8)) As Charged (for selected conditions only) As Charged As Charged (up to 45 days)

40,000/transplant

30,000/transplant

30,000/lifetime

Private Hospitals 65%

Private Hospitals 70%

- Private Hospitals - 65%

Private Hospitals 65%

65% (Note (6))

Class C -1,000 Class B2 -1,500 Class B1 -2,000 Class A and private hospital 3,000 (See Note (1))

70% (Note (6))

70% (Note (6))

Class C - 1,000, Class B2/day surgery (subsidised) - 1,500, Class B1/day surgery (non-subsidised) 2,000, Class A and private hospital - 3,000 10% 150,000 6,000,000 5,000 75 85

Class C - 1,000, Class C - 1,000, Class C - 1,000, Class B2 - 1,500, Class B2 - 1,500, Class B2 - 1,500, Class B1 - 2,000, Class B1 - 2,000, Class B1 - 2,500, Class A and private Class A and private Class A and private hospital - 3,000 hospital - 3,000 hospital - 4,000 Day Surgery - 3,000 Day Surgery - 3,000 (See Note (1)) (See Note (1)) Deductibles (Per Policy Year) Co-insurance Policy Year Limit Lifetime Limit Final Expense Benefit (Note (2)) Last Entry Age Maximum Coverage Age 10% 110,000 550,000 75 80 10% 130,000 Unlimited 5,000 75 Lifetime 10% 400,000 Unlimited 5,000 75 Lifetime

3,000

Class C -1,000 Class B2 -1,500 Class B1 -2,000 3,000 Class A and private (See Note (1)) hospital - 3,000 Day Surgery - 3,000 (See Note (1))

Class C - 1,000, Class B2/day surgery (subsidised) - 1,500, Class B1/day surgery (non-subsidised) 2,000, Class A and private hospital - 3,000 (See Note (1)) 10% 300,000 Unlimited 3,000 75 Lifetime

Class C - 1,000, Class B2 - 1,500, Class B1 - 2,000, Class A and private hospital - 3,000 (See Note (1)) 10% (max $25,500/yr) 400,000 Unlimited 1,000 75 Lifetime

10% 120,000 5,000,000 75 100

10% 400,000 10,000,000 75 Lifetime

10% 180,000 2,500,000 6,000 75 Lifetime

10% 350,000 Unlimited 6,000 75 Lifetime

Total Premium for Singaporean Policyholder (Rounded to nearest $) Age Next Birthday: 1 to 30 63 31 to 40 102 41 to 50 202 51 to 60 329 61 to 65 514 66 to 70 651 71 to 73 874 74 to 75 1,050 76 to 78 1,353 79 to 80 1,628 81 to 83 84 to 85 Premium at max coverage age (Note (3))

88 133 278 462 740 1,012 1,304 1,556 1,862 2,150 2,463 2,796 4,229

95 - 102 156 314 544 911 1,279 1,684 2,001 2,394 2,765 3,286 3,646 5,498

96.2 145 289 482 - 497 823 1,184 1,699 1,994 2,771 2,771 2,771 2,937 4,166

123 193 389 614 - 662 964 1,597 2,084 2,294 3,208 3,208 3,730 4,022 5,583

88 - 98 147 293 486 778 1,069 1,425 1,673 2,328 2,437 2,587 2,979 4,416

(See Note (5)) 90 - 100 156 312 546 850 1,270 1,732 2,056 2,762 2,884 3,331 3,841 5,595

100 145 282 475 - 489 804 1,164 1,671 1,966 2,739 2,739 2,967 3,299 3,299

(See Note (5)) 96 - 102 164 327 568 - 584 922 1,318 1,749 2,076 2,790 2,913 3,625 4,069 5,447

99 - 110 157 314 532 - 543 911 1,315 1,887 2,206 3,065 3,065 4,175 4,257 4,811

* This plan is no longer offered to new members. Existing members may continue to renew their policies. Note (1): (a) For GE's SupremeHealth Plan, the deductible applicable for policyholders after the age of 85 will be raised by $1,000 of the above listed deductible. (b) For GE's SupremeHealth Plus Plan, the deductible applicable for policyholders after the age of 85 will be 150% of the listed deductibles (c) For AIA Plans, the deductible applicable for policyholders after the age of 82 will be raised by 150% of the listed deductibles. (d) For Prudential PruShield A Plus and PruShield A Premier, the deductible applicable for policyholders after the age of 85 will be 150% of the above listed deductible. (e) For NTUC IncomeShield Advantage Plan/Plan A, the deductible applicable for policyholders after the age of 80 is as follows: Class C - $2,000, Class B2 - $3,000, Class B1 - $3,000, Class A and pte hosp - $4,500, Day Surgery - $4,500 Note (2): Final Expense Benefit refers to the waiver of the deductible and co-insurance up to the stipulated amounts in the event of the insured's death during hopsitalisation or within a stipulated period after discharge from hospital subject to the conditions as stipulated by the insurer. Note (3): For IncomeShield Plan MA, policyholders will have the option of lifetime coverage under IncomeShield Plan B or C Note (4): AIA's extra cancer coverage and Aviva's 5 Critical illness Benefit is provided over and above the Overall Policy Year Limit and the Overall Lifetime Limit. Note (5): (a) GE's SupremeHealth Plan A Plus premiums listed are rounded up to the nearest dollar and include a 5% premium discount. (b) For PruShield A Plus foreigners not related to Singaporeans and PRs will be subjected to higher premium rates Note (6): Treatment in the following private dialysis centres will not be pro-rated: National Kidney Foundation, Kidney Dialysis Foundation and People's Dialysis Centre Note (7): The recipient's kidney or liver failure must be first diagnosed after 2 years from the commencement/ reinstatement/ last upgrading date of the policy. For GE and Aviva plans, the living organ donor transplant applies for kidney and liver transplants only, where the recipient must be a family member (parents, siblings, children or spouse) of the Life Insured. Note (8): Aviva's free coverage of child(ren) below 20 years old is only limited to the first four children of members with effect from 1st September 2010. An insured person who is already insured under this benefit will continue to be covered for free subject to the terms and conditions of this benefit. The premiums payable are based on your age next birthday and may increase as members enters into the next age band The annual Medisave withdrawal limits for Medisave-approved Integrated Shield policies are: (a) $800 per policy year, where the insured person is less than 81 years of age at his next birthday on date of policy commencement/renewal (b) $1,150 per policy year, where the insured person is 81 or more years of age at his next birthday on date of policy commencement/renewal