Lonpac - MediSecure

Private healthcare cost has been rising at more than twice the normal inflation rate. With better healthcare, people are living

longer, but with unhealthy lifestyle resulting in poor health, there is a need to spend more on healthcare. Many try to prepare for

their healthcare cost by buying medical insurance. However, buying medical insurance is not enough. What we need is the right

kind of medical insurance.

What is so special about MediSecure Plus

2015?

Comprehensive Coverage

As charged benefits

Claims are paid as charged, subject to reasonable, customary,

and necessary charges but are subjected to a Per Disability

Limit and Deductible Per Disability.

Additional benefits

Other benefits payable include Organ Transplant, Sales and

Services Tax (if applicable), Medical Report Fee, Nursing at

Home, Outpatient Cancer Treatment and Outpatient Kidney

Dialysis Treatment.

Caters for inflation

Automatic increase in limits

Room and Board Rates, Per Disability Limit, Overall Annual

Limit and Deductible Per Disability increases automatically by

10% every three years.

• Increase is automatic

• Increase is not subject to re-underwriting

• Increase is irrespective of claims experience, except for

disability for which a claim has already been intimated

Certainty of coverage

Guaranteed renewability

Policy is renewable at the option of the Policyholder. During

renewal, the terms and conditions of coverage shall not be

amended.

No unilateral amendment

No amendment to this Policy shall be valid unless mutually

agreed upon by the Company and the Policyholder.

No lifetime limit

Although there is no Lifetime Limit, claims are subject to the

Per Disability Limit and Overall Annual Limit.

No age limit for renewal

The policy is valid until 30 June 2115 and is renewable

annually at the option of the Policyholder. Last entry age is 70

years at next birthday. Once accepted, you can continue to

renew your policy with no age limit. Furthermore, the Company

cannot refuse the renewal of the Policy and cannot impose new

terms or exclusions.

Who will pay for your healthcare cost when you retire?

Your employer may insure you under a Group Hospitalisation and Surgical Insurance policy, but the insurance coverage is limited and

insufficient to meet the cost of hospitalisation and surgery. Furthermore, when you retire, you are no longer protected by the Group

Hospitalisation and Surgical Insurance policy. At the time of your retirement, you may no longer qualify to purchase your own medical

insurance policy due to age or poor health.

We have the answer to your needs

With MediSecure Plus 2015, you can “top-up” your hospitalisation and surgical insurance and be prepared for any major medical

treatment. MediSecure Plus 2015 acts as an insurance of last resort to take care of the shortfall after you have exhausted all other

avenues of compensation from other insurances.

Lower premium because of deductible

Premium is lower because the claims are subject to a deductible per disability.

Private healthcare cost has been rising at more than twice the normal inflation rate. With better healthcare, people are living

longer, but with unhealthy lifestyle resulting in poor health, there is a need to spend more on healthcare. Many try to prepare for

their healthcare cost by buying medical insurance. However, buying medical insurance is not enough. What we need is the right

kind of medical insurance.

What is so special about MediSecure Plus

2015?

Comprehensive Coverage

As charged benefits

Claims are paid as charged, subject to reasonable, customary,

and necessary charges but are subjected to a Per Disability

Limit and Deductible Per Disability.

Additional benefits

Other benefits payable include Organ Transplant, Sales and

Services Tax (if applicable), Medical Report Fee, Nursing at

Home, Outpatient Cancer Treatment and Outpatient Kidney

Dialysis Treatment.

Caters for inflation

Automatic increase in limits

Room and Board Rates, Per Disability Limit, Overall Annual

Limit and Deductible Per Disability increases automatically by

10% every three years.

• Increase is automatic

• Increase is not subject to re-underwriting

• Increase is irrespective of claims experience, except for

disability for which a claim has already been intimated

Certainty of coverage

Guaranteed renewability

Policy is renewable at the option of the Policyholder. During

renewal, the terms and conditions of coverage shall not be

amended.

No unilateral amendment

No amendment to this Policy shall be valid unless mutually

agreed upon by the Company and the Policyholder.

No lifetime limit

Although there is no Lifetime Limit, claims are subject to the

Per Disability Limit and Overall Annual Limit.

No age limit for renewal

The policy is valid until 30 June 2115 and is renewable

annually at the option of the Policyholder. Last entry age is 70

years at next birthday. Once accepted, you can continue to

renew your policy with no age limit. Furthermore, the Company

cannot refuse the renewal of the Policy and cannot impose new

terms or exclusions.

Who will pay for your healthcare cost when you retire?

Your employer may insure you under a Group Hospitalisation and Surgical Insurance policy, but the insurance coverage is limited and

insufficient to meet the cost of hospitalisation and surgery. Furthermore, when you retire, you are no longer protected by the Group

Hospitalisation and Surgical Insurance policy. At the time of your retirement, you may no longer qualify to purchase your own medical

insurance policy due to age or poor health.

We have the answer to your needs

With MediSecure Plus 2015, you can “top-up” your hospitalisation and surgical insurance and be prepared for any major medical

treatment. MediSecure Plus 2015 acts as an insurance of last resort to take care of the shortfall after you have exhausted all other

avenues of compensation from other insurances.

Lower premium because of deductible

Premium is lower because the claims are subject to a deductible per disability.

Private healthcare cost has been rising at more than twice the normal inflation rate. With better healthcare, people are living

longer, but with unhealthy lifestyle resulting in poor health, there is a need to spend more on healthcare. Many try to prepare for

their healthcare cost by buying medical insurance. However, buying medical insurance is not enough. What we need is the right

kind of medical insurance.

What is so special about MediSecure Plus

2015?

Comprehensive Coverage

As charged benefits

Claims are paid as charged, subject to reasonable, customary,

and necessary charges but are subjected to a Per Disability

Limit and Deductible Per Disability.

Additional benefits

Other benefits payable include Organ Transplant, Sales and

Services Tax (if applicable), Medical Report Fee, Nursing at

Home, Outpatient Cancer Treatment and Outpatient Kidney

Dialysis Treatment.

Caters for inflation

Automatic increase in limits

Room and Board Rates, Per Disability Limit, Overall Annual

Limit and Deductible Per Disability increases automatically by

10% every three years.

• Increase is automatic

• Increase is not subject to re-underwriting

• Increase is irrespective of claims experience, except for

disability for which a claim has already been intimated

Certainty of coverage

Guaranteed renewability

Policy is renewable at the option of the Policyholder. During

renewal, the terms and conditions of coverage shall not be

amended.

No unilateral amendment

No amendment to this Policy shall be valid unless mutually

agreed upon by the Company and the Policyholder.

No lifetime limit

Although there is no Lifetime Limit, claims are subject to the

Per Disability Limit and Overall Annual Limit.

No age limit for renewal

The policy is valid until 30 June 2115 and is renewable

annually at the option of the Policyholder. Last entry age is 70

years at next birthday. Once accepted, you can continue to

renew your policy with no age limit. Furthermore, the Company

cannot refuse the renewal of the Policy and cannot impose new

terms or exclusions.

Who will pay for your healthcare cost when you retire?

Your employer may insure you under a Group Hospitalisation and Surgical Insurance policy, but the insurance coverage is limited and

insufficient to meet the cost of hospitalisation and surgery. Furthermore, when you retire, you are no longer protected by the Group

Hospitalisation and Surgical Insurance policy. At the time of your retirement, you may no longer qualify to purchase your own medical

insurance policy due to age or poor health.

We have the answer to your needs

With MediSecure Plus 2015, you can “top-up” your hospitalisation and surgical insurance and be prepared for any major medical

treatment. MediSecure Plus 2015 acts as an insurance of last resort to take care of the shortfall after you have exhausted all other

avenues of compensation from other insurances.

Lower premium because of deductible

Premium is lower because the claims are subject to a deductible per disability.