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AetnaAetnaAetnaAetnaSummit 1750 Summit 2500 Summit 4000 Summit 5000 22 PREGNANCY AND CHILDBIRTHCosts for: Antenatal checkups for an uncomplicatedpregnancy Antenatal vitamins Delivery costs, nursing fees and hospitalaccommodation costs for uncomplicatedchildbirth Postnatal checkupsWe will pay reasonable hospital accommodationcosts for the newborn to stay with you for no morethan four nights immediately after childbirth. Wewill also pay the following routine costs for thenewborn:Not coveredNot coveredNot coveredTreatment for medical complications of maternitythat happen due to a medical condition duringpregnancy or childbirth, if the pregnancy is theresult of assisted conception.Paid up toSGD 6,250USD 5,000Paid up toSGD 6,250USD 5,000Paid up toSGD 6,250USD 5,000Treatment for medical complications of maternitythat happen due to a medical condition duringpregnancy or childbirth, if the pregnancy is theresult of natural conception.Paid up toSGD 18,750USD 15,000Paid up toSGD 18,750USD 15,000Paid up toSGD 62,500USD 50,000Not coveredPaid up toSGD 625USD 500Paid up toSGD 625USD 500SGD 150USD 125paid to you foreach nightSGD 150USD 125paid to you foreach nightSGD 150USD 125paid to you foreach night One physical examination Vitamin K, hepatitis B and BCG vaccinations Screening tests for PKU, congenitalhypothyroidism and G6PD One hearing examination23HORMONE REPLACEMENT THERAPYHormone replacement therapy for symptoms ofthe menopause.246Not coveredSINGAPORE GOVERNMENT RESTRUCTURED HOSPITALSPayment made to you for each night you stay in aSingapore government restructured hospitalwhen receiving inpatient treatment.25Not coveredSGD 150USD 125paid to you foreach nightEMERGENCY TREATMENT OUTSIDE AREA OF COVERInpatient and daycare treatment when yourmedical condition is an emergency and you areoutside your area of cover.Paid up toSGD 6,250USD 5,000Paid up toSGD 18,750USD 15,000Paid up toSGD 37,500USD 30,000Paid up toSGD 62,500USD 50,000Outpatient treatment when your medicalcondition is an emergency and you are outsideyour area of cover.Not coveredPaid up toSGD 625USD 500Paid up toSGD 625USD 500Paid up toSGD 625USD 500Costs of the appropriate type of ambulanceneeded to transport you to the nearest availableand appropriate local hospital.Paid up toSGD 625USD 500Paid up toSGD 625USD 500Paid up toSGD 625USD 500Paid up toSGD 625USD 500

AetnaAetnaAetnaAetnaSummit 1750 Summit 2500 Summit 4000 Summit 5000 2627 DEDUCTIBLESSee section 26 in your Benefits schedule for full details.HEALTH MANAGEMENT SERVICESChronic condition and disease management toprovide tailored information and access to a nurseto discuss your health.Employee Assistance Programme – online andtelephonic confidential support includingcounselling, information and guidance.Not includedwith your planEmployee Assistance Programme – in-personconfidential support including counselling,information and guidance.28 Includedwith your planIncludedwith your planIncludedwith your planIncludedwith your planIncludedwith your planNot includedwith your planRED24 SECURITY SERVICESAdviceLine - 24/7 personal security informationand advice for all your travel safety queries.Includedwith your planIncludedwith your planActionResponse - 24/7 international rescue andresponse service for you in a potentiallylife-threatening, non-medical event.Not includedwith your planNot includedwith your planEligibilityPlans are available to people of most nationalities, depending on where they reside. Our plans are not available to citizens ofthe United States (US) who reside in the US. For full eligibility details, see your Handbook.If you are a US citizen residing outside of the US, you can choose any area of cover subject to your country of residence. If yourchosen area of cover is Area 1, this will only be available on the Aetna Pioneer 5000 plan.If you are not a US citizen, Area 1 will only be available: On the Aetna Pioneer 5000 plan if the US is not your country of residence On the Aetna Pioneer 5000 plan if the US is your country of residence7

Aetna Personal Accident planThis plan does not provide cover for sickness or disease. A summary of the Aetna Personal Accident plan Benefits schedule isshown below.145AetnaPersonalAccident 255AetnaPersonalAccident 340AetnaPersonalAccident 425SGD 106,250USD 85,000SGD 212,500USD 170,000SGD 318,750USD 255,000SGD 425,000USD 340,000SGD 531,250USD 425,000SGD 106,250USD 85,000SGD 212,500USD 170,000SGD 318,750USD 255,000SGD 425,000USD 340,000SGD 531,250USD 425,000ACCIDENTAL DEATH BENEFITA cash payment made if you diebecause of an accident and yourdeath is within 12 months of theaccident.3AetnaPersonalAccident 170OVERALL PLAN LIMITOverall plan limit2AetnaPersonalAccident 85PERMANENT TOTAL DISABLEMENTSee section 3 in your Benefits schedule for full details.PERMANENT PARTIAL DISABLEMENTSee section 4 of your benefits schedule for full details.PERMANENT PARTIAL DISABLEMENT SCALESee section 5 in your Benefits schedule for the percentage of the overall plan limit that we will play.Eligibility and area of coverCover under this plan is only valid if your Aetna Pioneer or Aetna Summit plan is in force.The minimum age at entry for this plan is 18. The maximum age at entry is 79.This plan provides cover for managerial, clerical and administrative occupations only. If your occupation puts you at greaterrisk of a bodily injury caused by an accident, the planholder or your plan administrator must tell us. We will tell them if weagree to cover you and let them know any extra premium that will apply.This plan provides worldwide cover.Accumulation limitThe maximum amount we will pay multiple members on the same Aetna Personal Accident plan for claims arising from anyone event in any one location or vehicle is SGD 5,312,500 or USD 4,250,000.8

Aetna Travel planA summary of the Aetna Travel plan Benefits schedule is shown below.1MEDICAL BENEFITSInpatient, daycare and outpatient treatment needed for any one or more medical conditions yousuffer during a trip.Reasonable additional accommodation costs that you have to pay if you cannot return to yourcountry of residence due to any one or more medical conditions.Economy class travel costs to return you to your country of residence if you cannot return asoriginally booked due to any one or more medical conditions.If the member is an insured child under the age of 18 we will pay the following costs for a parent orlegal guardian: Hospital accommodation costs for them to stay with the child if the child is receiving inpatienttreatment. Reasonable accommodation costs for them to stay with the child if the child cannot return to theircountry of residence and the child’s accommodation costs are covered under section 1.2 Economy class travel costs to accompany the child, if the child is unable to return to their country ofresidence as originally booked and the child’s travel costs are covered under section 1.3Dental treatment needed for the immediate relief of dental pain you suffer during a trip.2Paid up toSGD 4,250,000USD 3,400,000in eachplan yearPaid up toSGD 2,125USD 1,700for each tripwithin the limitshown insection 1.1LOSS OF DEPOSITS, CANCELLATION OR CURTAILMENTYou or your personal representative will be paid for the loss of irrecoverable deposits, pre-paymentsand any other costs paid, or contractually due to be paid, for travel or accommodation, if your trip hasto be cancelled or curtailed as a direct result of any one or more of the following that happens after atrip is booked: Your death A medical condition you suffer The death of, or a medical condition suffered by:- the person you are travelling with, or had arranged to travel with, or- a close family member. You, the person you are travelling with, or the person you had arranged to travel with:- having to attend jury service,- having to attend as a witness in a court of law under subpoena, or- being restricted by compulsory quarantine. A listed natural disaster or similar force majeure3TRAVEL DELAYSCash payment made to you for each full 12 hours that you are delayed because of strikes, industrialaction, adverse weather conditions, mechanical breakdown, or failure of any aircraft, sea vessel, trainor other form of public transport.4Paid up toSGD 6,375USD 5,100for each tripSGD 106USD 85paid for eachfull 12 hours,up toSGD 318USD 255for each tripMISSED DEPARTURES AND TRAVEL DISRUPTIONAdditional travel and accommodation costs you have to pay to connect with your group or tour, orreach your final destination, if you miss your original departure because of: adverse weather conditions, mechanical breakdown, or failure of the public transport that you were using to reach your point of departure.Paid up toSGD 2,125USD 1,700for each trip9

5HIJACKCash payment made to you for each full 24 hours that you are unable to reach your destinationbecause your transport is hijacked.6BAGGAGE AND PERSONAL EFFECTSDamage to, loss of or theft of your property that happens: when you send the property in advance, up to 24 hours before the departure date shown on youritinerary, or during your trip, to property that you take with you or purchase during your trip.7Paid up toSGD 1,063USD 850for each tripLOSS OF PASSPORT AND TRAVEL DOCUMENTSCosts of replacing travel documents owned or held by you if they are lost or stolen during your trip.10Paid up toSGD 213USD 170for each tripLOSS OF MONEYThe value of any cash, traveller’s cheques or postal or money orders that are stolen or accidentally lostduring your trip.9Paid up toSGD 4,250USD 3,400for each tripDELAYED BAGGAGECosts of essential toiletries and clothing, if your baggage is delayed on your outward journey for 12 ormore hours from the time of your arrival.8SGD 213USD 170paid for eachfull 24 hours,up toSGD 3,195USD 2,550for each tripPaid up toSGD 1,063USD 850for each tripDEDUCTIBLESSee section 10 in your Benefits schedule for full detailsEligibility, area of cover and pre-existing medical conditionsCover under this plan is only available if your Aetna Pioneer or Summit plan is in force.The maximum age at entry is 79. For full eligibility details, see your Handbook.This plan provides worldwide cover.This plan does not provide cover for medical conditions that exist within the 24-month period before the date of booking atrip, or your date of joining, whichever is later. See exclusion ET2 in your Handbook for more information.If you are over 79 at your plan renewal date, we will give you a quotation for your renewal premium.10

Key product informationDeductiblesAetna Summit 1750You must pay a standard annual excess amount of USD2,000 / SGD 2500 for any one or more claims in each planyear. This is the total excess that you will pay for any oneor more claims in the plan year. A higher or lower annualexcess may have been selected for you by your plansponsor, this will be shown on your Benefits schedule,section 26.1.An additional deductible may apply for treatment orservices received outside of the network, see section 26.8in the Benefits schedule.Aetna Summit 2500, 4000 and 5000You must pay a standard coinsurance of 10% up to amaximum of USD 2,000 / SGD 2500. This coinsurance isapplied to each claim. The maximum applies to any one ormore claims you make in the plan year. A higher or lowercoinsurance may have been selected for you by your plansponsor, this will be shown on your Benefits schedule,section 26.2.An additional deductible may apply for treatment orservices received outside of the network, see section 26.8in the Benefits schedule.Duration of the planThe plan is a 12-month policy starting from a date agreedbetween us and the plan sponsor or any subsequent planrenewal date, as applicable. Your start date will be advisedto you by your plan administrator once we have agreed tocover you.Area of coverThe available Areas of cover for people based in Singaporeare shown below. For more detail please refer to yourHandbook. Area 4 includes cover for all the locations in Area 5, plusAustralia, Qatar, New Zealand, Singapore and the UAE Area 3 includes cover for all the locations in Area 4, plusChina Area 2 provides worldwide cover excluding the US Area 1 provides worldwide cover including the USAll plans provide some cover for emergency medicaltreatment outside the Area of cover. The benefit limits foreach plan are shown in section 25 in the Benefits schedule.Please note that Area 1 cover is only available to non-UScitizens living outside the US. Only Aetna Pioneer 5000 and5000 are available with Area 1.If you require additional cover in the USA for trips notexceeding 180 days, please consider extending your plan toinclude the Aetna Travel plan.PremiumsThe plan administrator must choose how often the Aetnasummit plan premiums are paid from the payment optionsavailable. The plan administrator is responsible for payingall premiums.Premiums may be affected by material changes such asmoving to another country or changing occupation. Youmust disclose any material facts to us. Premiums may alsochange as a result of adding or removing members.Key product provisionsThe following are major provisions found in the plan. Thisis only a brief summary and you are advised to refer to theactual terms and conditions found in the Handbook. Pleaseconsult your insurance advisor or us should you needfurther explanation.EligibilityThe Aetna Summit plans and add-on plans are availableto people of most nationalities. We cannot cover peoplesubject to sanctions. Our plans are not available to citizensof the United States (US) who reside in the US. Pleasecontact us if you need further information. Plans may notmeet specific visa requirements. Cover may also be illegalunder local laws. It is the plan sponsor’s responsibility toensure that any plans chosen meet your needs.You must have continuous membership under the AetnaSummit plan and any add-on plans.If you will be aged over 65 at your plan start date,you will be subject to medical underwriting and mustanswer some medical questions for us to consider youreligibility for cover. Once accepted by us, no furthermedical underwriting will be applied whilst you remain acontinuous, eligible, insured member.Waiting periodsWaiting periods begin on the date that a benefit was firstintroduced on your plan or your date of joining, whicheveris later. For example, a waiting period of 182 days may applyto the routine and major restorative dental benefit. Waitingperiods may apply to other benefits, please see yourBenefits schedule for more information.Premium guaranteeDuring a plan year premiums will only change in linewith any changes to the plan. For instance, if you changecountry of residence or occupation premiums may beadjusted to reflect the change in risk. Before each renewaldate premiums for the next plan year are calculated inline with our rates at that time. We will send a renewalquotation to the plan administrator with the new premium.Many factors, including medical inflation and the age ofmembers on cover, influence the premiums we charge.11

TransfersIf a new person wants to transfer cover from another insurerto apply for CTT underwriting terms with us, a Groupmember Application for CTT must be filled in, and we willneed an original certificate of insurance from their previousinsurer, which shows: their original start date with that insurer, their underwriting terms, and any special terms that may have applied.If there is a break in cover between the end date of theprevious insurance plan and the application to us, we willnot offer a transfer of previous underwriting terms.RenewalWith our agreement, the plan administrator may renewthe plan each year. The plan administrator must tell us allmaterial facts about the plan sponsor and all membersbefore the plan renewal date.If the planholder wants to renew the plan, they must tell usin writing before the plan renewal date. We may change thedefinitions, benefits, plan terms, conditions and exclusionsthat apply to the plan. These will be sent to the planadministrator together with the renewal quotation at leastsix weeks before the plan renewal date.Renewal premiums must be paid on or before the planrenewal date. If premiums are paid by instalments, the firstpayment must be paid on or before the plan renewal date.A child will no longer be eligible as a dependant under theplan at the next plan renewal date if any one or more of thefollowing apply: they marry, they are not in continuous full-time education and theyare 18 to 26, or they reach the age of 26.With our agreement they can apply to have their own planby completing an Application. As long as there is no breakin their insurance cover their date of joining will stay thesame. Their application will be governed by the definitions,benefits, plan terms, conditions and exclusions in forceat the time they move to their own plan together with anyspecial terms they accept as offered in their quotation.CancellationThe plan administrator must tell us all material facts beforewe accept an application, make changes to a plan or renewa plan. The plan administrator must tell us immediately inwriting about any change that affects information givenin connection with the application for cover under a plan,including information about you. If there is a change in riskthat the plan administrator has not told us about, yourcover may be cancelled, the plan may be cancelled, or anyrelated claim may be reduced or rejected.We will cancel a plan if payment is not received within 30days of the premium due date.12If your area of cover is Area 1 and you are a citizen of theUnited States of America (US), we will cancel your cover ifyou have spent more than 90 days in the US in any one planyear.If we receive new information that shows a claim we havealready approved is ineligible, no costs will be paid. If anycosts have already been paid, we will recover the costsand no further costs will be paid. Any approval we havegiven during the preauthorisation process may also bewithdrawn. After we have given notice that you must repayany costs, this must be done within 14 days, failing which,we reserve the right to cancel your cover under the plan,subject to applicable laws.If the plan administrator wants to cancel a plan, they mustconfirm this in writing. If the Aetna Summit plan is cancelled,any add-on plans will also be cancelled.If coverage provided by this policy violates or will violate anyUnited States (US), United Nations (UN), European Union(EU) or other applicable economic or trade sanctions, thecoverage is immediately considered invalid. For example,Aetna companies cannot make payments or reimbursefor health care or other claims or services if it violatesa financial sanction regulation. This includes sanctionsrelated to a blocked person or entity, or a country undersanction by the US, unless permitted under a valid writtenOffice of Foreign Assets Control (OFAC) license. For moreinformation on OFAC, visit fault.aspxAdd-on plansThe plan sponsor can choose add-on plans to cover personalaccident and travel.Benefit limitationsThere are certain conditions whereby the benefits underthis plan will not be payable. These are stated as exclusionsin the contract. You are advised to read the policy contractfor the full list of exclusions.The Aetna Summit plan does not cover claims for, arisingfrom or connected with the following exclusions unlessshown on your Benefits schedule, or agreed by us inwriting.Some of these exclusions apply to the Aetna Travel andAetna Personal Accident add-on plans. Extra exclusionsalso apply to these plans. See the ‘Extra plan terms,conditions and exclusions for Aetna Travel and AetnaPersonal Accident add-on plans’ section for details.Underwriting termsE1 This exclusion applies if your underwriting terms aremoratorium or CTT previously moratorium, as shownon your Certificate of insurance. See exclusion E2 if yourunderwriting terms are FMU or CTT previously FMU, asexclusion E1 does not apply to these underwriting terms.Exclusions E1 and E2 do not apply if your underwritingterms are MHD.

A pre-existing medical condition or related medicalcondition that, within a 24-month period before the dateof joining or the date shown on the special ter

Summit 1750 Aetna Summit 2500 Aetna Summit 4000 Aetna Summit 5000 1 OVERALL PLAN LIMIT Overall plan limit SGD 2,250,000 USD 1,750,000 SGD 3,125,000 USD 2,500,000 SGD 5,000,000 USD 4,000,000 SGD 6,250,000 USD 5,000,000 2 INPATIENT AND DAYCARE TREATMENT For acute and chronic medical conditions