Member's Explanatory Handbook for the Metropolitan Life Insurance Company



 Exhibit 10.2 

 
 



 
 METROPOLITAN LIFE INSURANCE COMPANY OF 

HONG KONG LIMITED 
 HEALTHCARE PLAN 
 MEMBER’S EXPLANATORY HANDBOOK 

Prepared by: 

JLT 








							
	 Contents
	  	Page	 
		
	 Foreword
	  			
			
	 1.
	 	 General Information
	  	 	2	  
			
	 2.
	 	 Healthcare Benefits
	  	 	4	  
			
	 3.
	 	 Direct Settlement of Medical Expenses
	  	 	6	  
			
	 4.
	 	 Reimbursement of Medical Expenses
	  	 	8	  
			
	 5.
	 	 Emergency Assistance
	  	 	11	  
			
	 6.
	 	 Exclusions
	  	 	13	  

 Appendix 
 Prior Agreement Application — Hospitalization 
 Prior Agreement Application
— Series of Procedures / Medical Prosthetic Devices 
 Prior Agreement Application — Dental Treatments 







 FOREWORD 
 This booklet summarises the Care & Health Corporate Healthcare Plan (the Plan), which consists of four major components covering: - 

 

	•	 	 medical expenses arising from sickness or injury; 


  

	•	 	 maternity related expenses; 


  

	•	 	 dental expenses; 


  

	•	 	 emergency assistance, including evacuation and repatriation. 


 The Plan is insured by the AXA Group (the insurer) based in France and the claims are administered by a dedicated division of GMC Services (GMC) based in Singapore. The emergency assistance programme is
supported by International SOS (ISOS), a specialist in this field. 
 In Hong Kong, Jardine Lloyd Thompson Limited (JLT) is an appointed
distributor and co-ordinator. Their contact details are as follows:- 
 Jardine Lloyd Thompson Limited 

28/F., DCH Commercial Centre 25 
 Westlands Road, Quarry Bay 
 Hong Kong 

Telephone 2864 5527 or 2864 5335 
 Facsimile 2529 5333 
 Whilst every effort has been made to ensure accuracy of this document, it
must be clearly understood that, should there be any discrepancy between this booklet and the provisions of the Insurer’s policy wording, then the latter shall prevail. 







 



 
  

	1.	GENERAL INFORMATION 

  

	1.1	Coverage 

 The Plan
covers medical treatment provided by registered medical practitioners and medical practices that are recognized by the World Health Organisation. Chinese Herbalist and Bonesetters who are Registered Chinese medicine practitioners under the Chinese
Medicine Ordinance of the Hong Kong SAR or duly qualified practitioner of Chinese Medicine registered as such under the laws of the country you receive such treatment are also covered. 

The Plan provides 24-hour worldwide coverage and gives you the flexibility to choose in which country within your geographical zone,
hospital and clinic to have your treatment. Medical expenses resulting from an accident or unforeseeable illness occurring during travel in excluded countries (if applicable) are covered. In respect of hospitalisation, you must follow the
procedures set out in section 2.2. The emergency assistance coverage is only applicable to overseas trips that do not exceed 90 days per trip. 
  

	1.2	Enrolment 

 You are
required to submit the following details for each person to be covered:- 
  

	 	a)	full name; 

  

	 	b)	date of birth; 

  

	 	c)	sex; 

  

	 	d)	nationality; 

  

	 	e)	employee’s bank details, i.e. bank name, bank address, account number, account holder’s name, swift code and currency (for reimbursement of claims);


  

	 	f)	employee’s personal correspondence address; 

  

	 	g)	employee’s email address 


Unless the total number of employees covered in your group is greater than 10, each employee member is required to complete a health
declaration form (details of each eligible dependant will also need to be declared in the same form), which is then submitted to the Insurer for assessment. Cover will not commence until the application has been accepted by the Insurer. Depending on
an individual’s medical history, acceptance may include additional exclusions. 

  
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 Each member will receive a Plan membership card which lists out important contact and
membership numbers. You should, therefore, carry this card at all times in case you suddenly require medical treatment. These cards must be returned to Jardine Lloyd Thompson Limited (JLT) when you leave service. If you should lose a card, you must
report it to JLT at the earliest opportunity. There will be a charge for a replacement card. 
  

	1.3	Dependant’s Coverage 

 Provided it has been agreed with your employer, the Plan will cover your spouse and any unmarried children from birth up to the age of 20 years or 25 if they are still in full-time education (proof of
full-time education will be required for those over the age of 20). 
 After you have joined the Plan, it is your responsibility
to notify JLT (via your employer) of any additional eligible dependants. 
  

	1.4	Maximum Insured Age 


You must be under the age of 65 when you first join the Plan. Once a member, cover is renewable until the age of 64. 

 

	1.5	Termination of Benefits 

 All expenses incurred after one of the following will not be covered:- 
  

	 	a)	cessation of membership in the Plan; 

  

	 	b)	the termination of your employment; 

  

	 	c)	the eve of your 65th birthday; 

  

	 	d)	the termination of the insurance policy by your employer; 

  

	 	e)	 in respect of a dependent child, the eve of his/her 21st birthday or 26th birthday if still in full-time education. 



  
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	2.	HEALTHCARE BENEFITS 

  

	2.1	Outpatient Benefits 


Subject to the policy exclusions (see section 6.1) and claim procedures, all reasonable and customary outpatient medical expenses will be
covered by the Plan without cash limits. However, all eligible outpatient medical expenses shall be reimbursed on a 90% basis. 
  

	2.2	Hospitalisation Benefits 

 Subject to the policy exclusions (see section 6.1), all reasonable and customary hospitalisation expenses will be covered up to the amounts which are commensurate with a standard private room.
Additional charges resulting from the use of a deluxe or VIP room will, however, not be covered. 
 Hospitalisation must
be for at least 24 hours. If confinement is less than 24 hours, treatment and services provided will be deemed as outpatient, unless surgery has been involved. You should also note that an admission to hospital which is primarily for diagnostic
scanning, X-ray examination, physical therapy and the like will also be deemed as outpatient treatment. 
 For a child under the
age of 12, the Plan will also cover the cost (up to US$40 per day for a maximum of 30 days per year) of an additional bed for an accompanying parent. 
  

	2.3	Ambulance Costs 


Reimbursement of ambulance costs is subject to a maximum of US$300 per year per person. 

 

	2.4	Maternity Benefit 


Subject only to the policy exclusions, all maternity related expenses incurred after 9 months’ membership (waived if your membership
group consists of more than 10 employees) will be covered by the Plan up to a limit of US$12,000 per pregnancy. 
 In addition,
up to three fertility treatments (per lifetime under the Plan) by way of in vitro fertilisation or artificial insemination will be covered at US$750 per fertilisation/ insemination. “Prior Agreement” from the Insurer is required
(see section 4.1). 
 All eligible expenses shall be reimbursed on a 90% basis. 

  
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	2.5	Dental Benefits 


Dental prostheses and orthodontic expenses incurred after 6 months’ membership (waived if your membership group consists of more than
10 employees) will be reimbursed at a rate of 90% by the Plan up to the following cash limits:- 
  

	 	a)	General treatment (consultations, conservative care, surgery, routine care, cleaning, fillings, extractions, etc) - up to US$1,500 per person per year.


  

	 	b)	Dental prosthesis (crowns, pinned teeth, inlays, on lays, fixed or removable dentures, implants, except temporary) - limited to US$700 per tooth (up to an annual
maximum of US$3,500 per person). “Prior Agreement” from the Insurer is required (see section 4.1). 

  

	 	c)	Orthodontics (for children only) - up to US$1,800 per year for a maximum of 2 years. Treatment must be before the child’s 16th birthday and “Prior
Agreement” from the Insurer is required (see section 4.1). 

  

	2.6	Other Prostheses 


After 6 months’ membership (waived if your membership group consists of more than 10 employees), medical prostheses (hearing aids,
orthopedic prostheses, non-orthopedic prostheses) and durable medical equipment are covered at a rate of 90% up to a maximum of US$4,200 per year. “Prior Agreement” from the Insurer is required (see section 4.1). 

  
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	3.	DIRECT SETTLEMENT OF MEDICAL EXPENSES 

  

	3.1	Outpatient 

 GMC
has a designated global network of clinics that will bill GMC directly for general and specialist consultations. These are listed on the GMC website — www.henner.com and marked with
 ̈. To access to this facility, you (as the employee member) need to download a “Direct Settlement document” from the said website by following these procedures:- 

 

	 	a)	Connect to www.henner.com and go to “International Medical Network” —> “Access the Network”. 


 

	 	b)	Identify yourself by entering your GMC number (as it appears on your GMC Card) and password (which will be your date of birth for the first time login —
dd/mm/yyyy) and a city of your choice. 

  

	 	c)	Download GMC Direct Settlement document which can be folded into a more convenient size for carriage. 


 

	 	d)	If your dependants are also covered, their names will appear on the document. You may download additional documents for your covered dependants to use.


  

	 	e)	Each document carries a six-month validity period from the issuance date, but you can download a new document before the expiry of the old document.


 On arrival at one of the participating clinics, simply present the practitioner with your valid downloaded
Direct Settlement document as well as your GMC Card. The benefit section of your direct settlement document lists all the services included. For services rendered that are not listed, but are covered under your policy, you will need to pay for the
service and claim reimbursement afterwards. 
 Since outpatient is set at 90% reimbursement, you are responsible to pay 10%
co-payment for each visit at network clinics. 
  

	3.2	Hospitalisation — Planned Admission 

 For any planned confinement, including for childbirth, you must notify the Insurer by asking your attending doctor to promptly complete and return a ‘Prior Agreement Application -
Hospitalisation’. This should be done at least 10 days before your admission date. This 

  
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procedure enables the insurer to assess whether the charges to be incurred are within the reasonable and customary range. At the same time, GMC will arrange for the hospital to send bills
directly to the Insurer for settlement. 
 A photocopy of the enclosed specimen form can be used. The completed form should be
faxed to GMC on Singapore (65) 6849 4092 during office hours. For assistance, you may contact JLT on Hong Kong (852) 2864 5527 or 2864 5335 (facsimile Hong Kong (852) 2529 5333) 

 

	3.3	Hospitalisation – Emergency Admission 

 If you are being admitted in an emergency and it is to a designated hospital marked with 



 on the list in the GMC website, the hospital will bill GMC directly if you are able to show the hospital your downloaded Direct Settlement document as detailed in Section 3.1. 

However, if the emergency admission is to any other hospital, you should notify the Insurer as soon as possible and before you are
discharged by calling one of the appropriate contact numbers on the back of your GMC Card and. If the length of your stay turns out to be too short to give sufficient time for GMC to arrange a direct settlement, you will need to settle the bill upon
discharge and claim reimbursement afterwards by following the procedures set out in Section 4.3. For reference, the emergency contact numbers that appear on the back of your GMC Card are as follows:- 

 

			
	Hospitalisation in
Asia Pacific	  	Hong Kong: (852) 800 96 5656 or Singapore: (65) 6887 2488
	Hospitalisation in the USA and Canada	  	Toll free: 1 866 936 1225 or From outside the USA and Canada: +1 305 459 4856
	Elsewhere in the World	  	Singapore: (65) 6887 2488



  
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	4.	REIMBURSEMENT OF MEDICAL EXPENSES 

 The need to make a reimbursement claim should only arise in two situations. One is for outpatient expenses when the direct settlement facility cannot be or has not been used and the other is for emergency
hospital admissions when the Direct Settlement document has not been used. 
 A claim for reimbursement must be made within 12
months of incurring the expense. Beyond this period, a claim will be rejected. Unlike most insurance claims, there is no claim form to complete. The documents needed to support the different types of medical claims are listed below. You should
consider accumulating small claims before submitting them in batches for reimbursement. 
 All claims should be sent to:

 GMC Services 
 20 Cecil Street 
 #05-05 Equity Plaza 

Singapore 049705 

Telephone: (65) 6887 2488 
 Facsimile: (65) 6849 4092 
 Email: gmcg.ug32@henner.com 

Be sure to retain a copy of all documentation which you submit. 

Claims reimbursement will be credited into your bank account. A settlement statement detailing the expenses incurred and amount reimbursed
will be sent directly to your email address. 
 The Insurer reserves the right to request further supporting information if the
documents submitted prove to be insufficient. 
  

	4.1	Prior Agreement 


You MUST seek ‘Prior Agreement’ from the Insurer for 

 

	 	•	 	 Protracted forms of medical treatment, which requires more than one session, such as Physiotherapy, Chiropractors, Chemotherapy, Radiotherapy,
Dialysis, Electrotherapy, Kinesitherapy, Speech Therapy, Nursing Care or Psychiatric Treatment, etc 


  

	 	•	 	 Fertility treatment 



  
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	 	•	 	 Dental prosthesis and orthodontic treatment 


  

	 	•	 	 Medical prostheses and durable medical equipment 


 This is a necessary procedure which also helps you to ensure that charges to be incurred will be within the reasonable and customary range. It must be noted that failure to comply with this requirement
will result in your claim being rejected. 
 The attending doctor/specialist must complete the appropriate ‘Prior
Agreement Application — Series of Procedures / Medical Prosthetic’ or ‘Prior Agreement Application — Dental Treatments’ form (a photocopy of the enclosed specimen can be used) together with a medical prescription
detailing the diagnosis, treatments planned and cost breakdown. 
 The completed form and medical prescription should be faxed to
GMC on Singapore (65) 6849 4082 during office hours. Once processed, you will receive by email an approval letter. A copy of this letter must accompany your claim for reimbursement of the related expenses. 

In planning your treatment around the “Prior Agreement” you should, where practicable, allow at least 15 days for
the Insurer to give its response. However, the Insurer will permit the completed form to be submitted after the commencement of treatment when urgent treatment is required. For assistance, you may contact JLT on Hong Kong (852) 2864 5527
or (852) 2864 5335 (facsimile Hong Kong (852) 2529 5333). 
  

	4.2	Outpatient Expenses (including Pre and Post Natal) 

  

	 	a)	Always obtain an original official receipt from your doctor/hospital for the expenses incurred. 


 

	 	b)	The receipt must include the following information:- 

  

	 	•	 	 Date of consultation 


  

	 	•	 	 Full name of the patient (as shown on the GMC Card) 


  

	 	•	 	 Breakdown of charges incurred 


  

	 	•	 	 Diagnosis/disability 


 You should write on the back of the receipt (a) the name of your company, (b) name of the patient and (c) the patient’s ‘Identification Number’ as it appears on
patient’s GMC Card or attach a photocopy of the patient’s card. 

  
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	 	c)	No claim form is required. Simply submit the original discharge summary and receipt, making sure the information set out in (b) above is complete.


  

	4.3	Hospitalisation Expenses 

  

	 	a)	Always obtain an original official receipt, discharge summary and medical report from your doctor/hospital for the expenses incurred. 


 

	 	b)	The receipt must include the following information:- 

  

	 	•	 	 Date of admission, discharge and (if applicable) surgery 



 

	 	•	 	 Full name of the patient (as shown on the GMC Card) 


  

	 	•	 	 Breakdown of charges incurred 


  

	 	•	 	 Diagnosis/disability 


 You should write on the back of the receipt (a) the name of your company, (b) name of the patient and (c) the patient’s ‘Identification Number’ as it appears on
patient’s GMC Card or attach a photocopy of the patient’s card. 
  

	 	c)	No claim form is required. Simply submit the original discharge summary and receipt, making sure the information set out in (b) above is complete.



  
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	5.	EMERGENCY ASSISTANCE 


Whenever emergency assistance is required, necessitated by accident or illness occurring when you are residing outside your home
country (the country of your declared nationality) or when you are travelling outside your country of employment, you should call (65) 6887 2488 which shown on your GMC Card. 

Cover is provided by International SOS (ISOS), a specialist organisation in this field. You should take note that when transportation
costs are involved, tickets must be arranged by ISOS for it to be covered by the Plan. At the same time, you are required to surrender any unused portion of a prepaid ticket. Any transportation which involves air travel will be on economy
class unless it is deemed medically inappropriate. 
  

	5.1	Telephone Medical Advice 

 ISOS will arrange to provide medical advice to you over the telephone. 
  

	5.2	Emergency Medical Evacuation for reasons of Health 

 Once notified, ISOS will arrange the necessary contacts between their medical team, the local doctor and the family doctor, if appropriate. 

When deemed necessary and approved by ISOS’ medical department, having taken full account of your condition, ISOS will arrange and
pay for the expense of transporting you by the most appropriate means to the nearest hospital most appropriate for your condition. 
  

	5.3	Return to Country of Employment 

 If an emergency medical evacuation takes you to a third country, ISOS will arrange and pay the cost of economy class airfare by scheduled flight for returning you to your country of employment or home
country. 
  

	5.4	Return of Unaccompanied Children 

 ISOS will arrange and pay the cost of the return home to the country of employment or the home country (or to the home of a member of your family) of your children under 18 years of age travelling with
you, if you cannot take care of them because of injury or sickness during the trip. 

  
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	5.5	Compassionate Visit 


If you are hospitalised for over seven days outside your country of employment or home country without an adult companion, ISOS
will supply and pay a round-trip ticket economy class air fare by scheduled flight for one of your family members to visit you. 
  

	5.6	Return of Bodily Remains 

 In the event of death, ISOS will pay the cost of transporting the mortal remains from the place of death to the deceased’s home country. The cost of the coffin is limited to US$1,900. 

 

	5.7	Transmission of Urgent Messages 

 ISOS will transmit your urgent messages to your family members in the event of evacuation/hospitalisation. 
  

	5.8	Advance of Bail 


When you are in a foreign country, ISOS will advance bail to you up to US$13,600. This sum is only an advance and so, you are required to
repay the total amount within 45 days after receipt of an ISOS invoice. 
 This coverage does not apply to any situation
resulting from traffic or narcotic offences or from your participation in any political demonstration. 
  

	5.9	Lawyer’s Fees 


ISOS will reimburse you for lawyer’s fees up to US$1,700 if proceedings are taken against you for involuntary violation of the laws
of a foreign country. 

  
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	6.	EXCLUSIONS  

  

	6.1	For the whole Plan 


The following are not covered by the Plan: - 
  

	 	a)	Additional expenses that are a consequence of using a deluxe or VIP room. 

  


	 	b)	Treatment by any person other than a registered medical practitioner; medical practices that are not recognized by the World Health Organisation.


  

	 	c)	Non-medicinal everyday-use products such as absorbent cotton, alcohol, sun creams, toothpaste, bandages, shampoo, etc. 


 

	 	d)	Stays in convalescent homes, rest homes (or similar facilities), establishments for alcoholics or drug addicts (or related facilities) during the first two years of
membership. After two years membership cover will be limited to 30 days per person per year. 

  

	 	e)	Expenses relating to health comfort items (e.g. orthopaedic shoes, inhalators, massage devices, sun lamps, heating pads, etc.) 


 

	 	f)	Stays in geriatric facilities under partial or permanent supervision. 

  

	 	g)	Care that presents no direct medical necessity for the treatment of illness, especially cosmetic procedures and the results thereof. 


 

	 	h)	Preventive medical care and health check-ups. 

  

	 	i)	Treatments for mental disorders such as nervous disorders or mental illness, psychoanalysis, psychotherapy. 


 

	 	j)	Thermal cures and spa 

  

	 	k)	Occupational rehabilitation. 

  

	 	1)	Non-medical expenses such as for telephone calls, alcoholic beverages and guests’ meals. 


 

	 	m)	Expenses resulting from intentional acts including suicide and self inflicted injuries; war, riots, brawls, acts of terrorism in which you have played an active role;
sports practised as a professional activity; deliberate exposure of extreme danger. 


  
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	6.2	Additional Exclusions applicable to Emergency Assistance Benefits (as defined in Section 5):- 


 

	 	a)	Any repatriation or emergency transportation or other expenses not approved in writing by ISOS and/or under the auspices of ISOS. 


 

	 	b)	Any expenses incurred against medical advice or when the condition is not serious. 


 

	 	c)	Medical examinations or surgical procedures scheduled prior to the request for assistance and not of an emergency nature or intended to protect life or prevent
substantial worsening of the condition. 

  

	 	d)	Injuries or illnesses due to the practice of hazardous sports such as microlight flying, hang-gliding, paragliding, mountain climbing, rock climbing, contact sports and
martial arts, caving, sledge, skiing, ski jumping, bobsleighing, bungee-jumping, gliding, rafting or the operation of personal watercraft. 

  

	 	e)	Injuries or illnesses directly or indirectly arising from civil or foreign war, insurrections, riots, rebellions or popular uprising, whenever the member is in breach
of existing laws by taking part although cases of legitimate self-defence and assistance to persons in danger are covered. 

  

	 	f)	Self-inflicted injuries or illnesses including suicide, attempted suicide and self-mutilation. 


 

	 	g)	Injures or illnesses resulting from or occurring in conjunction with competitive sports other than those in which the member participates purely as an amateur.


  

	 	h)	Flying unless as a passenger in an aircraft that has a valid flying certificate and is flown by a licensed pilot. 


 

	 	i)	Injuries or illnesses incurred prior to the effective date of coverage and not declared to the Insurer. 


 

	 	j)	Participation in brawls, other than in self-defence or to the rescue of a third party. 


 

	 	k)	Injuries or illnesses resulting directly or indirectly from radioactivity. 


  
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 Appendix I 
 G M C gestion 
 Department International

 GMC Services - 20 Cecil Street, #05-05 Equity Plaza, Singapore 4049705 

tel: +65 6887 2488 
 E-mail : gmcg.ug32@henner.com Fax : +65 6849 4092 

PRIOR AGREEMENT APPLICATION - HOSPITALIZATION 
 Hospitalization may be refunded by GMC International only if they are the subject of a prior agreement of our Medical Board, on the basis of this document, which must be completed by the
Physician and sent by post or fax to: 
 GMC Services - 20 Cecil Street, #05-05 Equity Plaza, Singapore #049705
or Fax: +65 6849 4092 
 This form must be sent no later than 10 days prior to the date of hospitalisation.

 In the event of a medically justified emergency, this form must be sent within 3 days following admission.

 The Medical Board’s agreement to the hospitalization will authorise issuance of an undertaking to
reimburse, which will be sent directly to the designated institution. The Medical Board will notify the patient in the event of a refusal. 
 Insured person’s surname and first name: 
 GMC
ID No.: 
 Patient’s surname and first name: 

Date of birth: 
 Sex: 
 TO BE COMPLETED BY THE ATTENDING
PRACTITIONER 
 Proposed place of hospitalization (name of institution, address, telephone, fax, e-mail):

 Attending physician (name, address, telephone, fax): 

Reason for the hospitalization Clinical symptoms presented / Precise medical diagnosis: 

Detailed estimated cost of the hospitalization: 
 Physicians’ fees: 
 Other cost elements:

 Nature of the proposed intervention and treatment programme: 

Nature of any additional examination to be carried out: 

Length of stay: Date of admission: 
 For a stay of: 
 Is it an extension of stay (yin)?

 Hospital charges: 
 Physician’s seal and signature: 
 Date:

 For medical information: +65 6887 2488 

Patient’s signature 
 hereby authorize my Physician to send to GMC International’s medical consultant all the medical information required for making a decision on my case. 

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 Appendix II 
 GMC gestion 
 Department International 

Tél: +65 6887 2488 
 GMC Services 20 Cecil Street, 805-05 Equity Plaza, Singapore 8049705 
 E-mail : gmcg.ug32@henner.com 
 Fax +65 6849 4092

 PRIOR AGREEMENT APPLICATION — SERIES OF PROCEDURES / MEDICAL PROSTHETIC DEVICES 

Subscribing Company (see membership card): 
 GMC ID No. (see membership card): 
 Patient’s
surname and first name: 
 Date of birth: 

Sex: 
 TO BE COMPLETED BY THE ATTENDING PRACTITIONER 
 The
following procedures are subject to this prior agreement application: 
 Type I treatments: 

orthoptics, nursing care 
 Psychiatric or psychotherapeutic treatments (may be refunded only if treatments given by a physician) 
 Type 2 treatments: 
 Psychiatric or
psychotherapeutic treatments (may be refunded only if treatments given by a physician) 
 Medical prosthetic
devices: 
 Hearing aids, orthotic insoles, neck brace 

TYPE I TREATMENTS 
 Pathology presented: 
 Nature of procedures:

 Number of procedures: 
 Total cost: 
 TYPE 2 TREATMENTS 

Description of the clinical symptoms: 
 Diagnosis 
 Medical history: 

Family history: 
 Patient’s personality: 
 Type of therapy
considered: 
 Behavioural contract: 
 Purpose of the therapy with expected results: 

Total number of sessions: 
 Frequency of sessions: 
 Cost of each session:

 MEDICAL PROSTHETIC DEVICES 
 Diagnosis: 
 Pathology presented: 

Device required: 
 Cost: 
 Physician’s seal and signature:

 Date: 
 For medical information: +65 6887 2488 

Patient’s signature: 
 decision on my case. 
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 Appendix III 
 GMC 
 gestion 

Department International 
 GMC Services - 20 Cecil Street, #05-05 Equity Plaza, Singapore #049705 
 Tel : +65 6887 2488 E-mail : gmcgmg32@henner.com Fax : +65 6849 4092 
 PRIOR AGREEMENT APPLICATION - DENTAL TREATMENTS 

For dental treatment which is subject to prior agreement, the patient and attending dentist must complete this form and
return it no later than 15 days prior to the scheduled start date of the treatment by post or fax to: 
 GMC
Services - 20 Cecil Street, 405-05 Equity Plaza, Singapore #049705 or Fax: +65 6849 4092 
 Subscribing Company
(see membership card): GMC ID No. (see membership card): 
 Patient’s surname and first name: Date of birth:
Sex: 
 Note! The documents that must be submitted with this form are written in italic below. 

In all cases (orthodontics / dental prostheses / periodontics / implantology), a detailed cost estimate of the entire
treatment MUST be included. 
 TO BE COMPLETED BY THE Al I ENDING PRACTITIONER 

ORTHODONTICS 
 If the application pertains to a mixed dentition intervention: 
 Does it concern is proscia rehabilitation (yin)? 

Does it concern an early and interceptive 
 ontic apparatus (yin)? 
 Anticipated duration of
the mixed dentition treatment (months): If the therapeutic plan involves final dentition, indicate all of the following values: 
 If the Ricketts analysis Is used, complete items R1-R2-R3-R4 + 5 to 11 
 If the Tweed analysis is used, complete items TI-T2-T3-T4 + 5 to 11 
 RI. Facial angle in degrees: 
 R2. FIFI in degrees:

 R3. Convexity in millimetres: 
 R4. DDM in millimetres: 
 5. Molar dental class
with gap measured in millimetres: 
 6. Supra-occlusion or infra-occlusion measured in millimetres: 

7. Dental arch contraction or dental arch expansion in relation to the number of teeth concerned: 

No anomaly: Isolated anomaly of a tooth: Multiple anomalies [| 

8. Lower incisor angle / NaPog in degrees: 
 9. Angle 11/41 or 21/31 in degrees: 
 10. Free
margin distance 11/41 or 21/31 in millimetres: 
 11. Anticipated duration of the final dentition treatment (in
months): 
 T1. FMIA in degrees: 
 T2. IMPA in degrees: 
 T3. ANB in degrees:

 T4. Total DDM: 
 Pathology of at least an entire area: 
 PROSTHESES
Return this application and include the following documents and information: Dental panoramic radiograph of more than 3 teeth and alveolar retrusion or RVG images after endodontic treatment or resumption of treatment 

Devitalised tooth (teeth n°) Vital tooth (teeth n°) 

PERIODONTICS 
 Return this application and include the following documents and information: Alveolar retrusion assessment (status) + Number of dental quadrants/area concerned + Diagnosis + Treatment plan

 IMPLANTOLOGY 
 Return this application and include the following documents and information: 
 Dental panoramic radiograph + Implant area (number of teeth to be replaced by implants) + Report including available bone height in implant area + Possible contraindications 

Physician’s seal and signature: 
 Patient’s signature: 
 Date: 

For medical information: +65 6887 2488 
 I hereby authorize my Physician to send to GMC International’s medical consultant all the medical information required for making a decision on my case.