Document:

Exhibit

Exhibit 10.71 
AMENDMENT NUMBER THREE TO THE 
METLIFE AUXILIARY PENSION PLAN 
(As amended and restated effective January 1, 2008) 
              The MetLife Auxiliary Pension Plan is hereby amended, effective January 1, 2009, as follows: 
	
				
	 
	 
	 
	 

	 
	1.
	 
	Part I, Article 4, Section 4.2 is hereby amended by adding the following after the final paragraph:

	 
	 
	 
	 

	 
	“Notwithstanding the provisions of (a) above, Final Average Compensation that can be taken into account to determine each Participant’s benefit under this Plan cannot exceed $4.6 million.”

	 
	 
	 
	 

	 
	2.
	 
	Part I, Article 4, Section 4.6 is hereby amended by adding the following after the final paragraph:

	 
	 
	 
	 

	 
	“Notwithstanding any other provisions of this Section 4.6, Final Average Compensation that can be taken into account to determine each Participant’s benefit under this Plan cannot exceed $4.6 million.”

	 
	 
	 
	 

	 
	          IN WITNESS WHEREOF, the Company has caused this Amendment to be adopted in its name and behalf this 25th day of March, 2009, by its officer thereunto duly authorized. 

	
							
	 
	 
	 
	 
	 
	 
	 

	 
	 
	 
	 
	METROPOLITAN LIFE INSURANCE COMPANY

	 
	 
	 
	 
	 
	 
	 

	 
	 
	 
	 
	By:
	 
	/s/ Margery Brittain

	 
	 
	 
	 
	 
	 
	 

	 
	 
	 
	 
	 
	 
	Margery Brittain, Plan Administrator

	 
	 
	 
	 
	 
	 
	 

	ATTEST:
	 
	 
	 
	 
	 
	 

	 
	 
	 
	 
	 
	 
	 

	/s/  Bonita HaskinsExhibit

Exhibit 10.73
AMENDMENT NUMBER FIVE TO THE 
METLIFE AUXILIARY PENSION PLAN 
(As amended and restated effective January 1, 2008) 
     The MetLife Auxiliary Pension Plan is hereby amended, effective January 1, 2010, as follows: 
1. Part I, Article 4, Section 4.6, the first paragraph of subsection (b) shall be amended to read as follows: 
	
			
	“(b)
	 
	The annual variable incentive component (“AVIC”) of the Participant’s Final Average Compensation representing the MetLife Annual Variable Incentive Plan or successor annual cash bonus plan or program shall have the same meaning given to this term under the Retirement Plan. However, this component of Final Average Compensation will be determined using the average of the Participant’s highest 5 annual variable incentives (not necessarily consecutive) with respect to the 10 annual variable incentives preceding such Participant’s date of Retirement or termination (including any projected payment(s) to be made beyond the Participant’s date of Retirement or termination calculated as provided immediately below).”

2. Part I, Article 4, Section 4.6, the second paragraph of subsection (b) through the end of subsection (b) shall be amended to read as follows: 
“The AVIC, as set forth in subsection (b) immediately above, projected to be made beyond the Participant’s date of Retirement or termination will be deemed equal to the result of the following calculation, as determined by the Plan Administrator in its sole discretion: 
	
				
	 
	(i)
	 
	the highest of the last 3 annual variable incentives paid while the Participant was in active Company service multiplied by

	 
	 
	 
	 

	 
	(ii)
	 
	a fraction, the numerator of which is the number of months (or part thereof) that the Participant was actively employed in the calendar year(s) for which the annual variable incentive would be payable and the denominator of which is 12.

	 
	 
	 
	 

	 
	(iii)
	 
	If the fraction determined under (ii) immediately above, is less than 1, then, the fractional amount determined under (ii) shall replace an equivalent fractional amount in the lowest of the 5 highest annual variable incentives used in (b) above. This replacement shall occur only if the fractional amount determined under (ii) is greater than the fractional amount it is replacing in the lowest of the 5 highest annual variable incentives.

Notwithstanding (b)(i), (ii) and (iii), if a specific amount of annual variable incentive was already approved under its respective plan, prior to the Participant’s date of Retirement or termination, such amount shall be used instead of the deemed estimate, and such amount shall also be taken into account in determining the highest of the Participant’s last 3 annual variable incentives with regard to any annual variable incentive payable for the Participant’s year of Retirement or termination. 
If, at the time of Retirement or termination, fewer than 5 annual variable incentives have been made to a Participant, then the annual variable incentive component of Final Average Compensation shall be the average of all annual variable incentives actually made to the Participant and the projected payment (described above) for the year of Retirement or termination. 
For an eligible Participant who is a Commissioned Employee Final Average Compensation will be the amount described in appropriate provisions of the Retirement Plan. 
Notwithstanding any other provisions of this Section 4.6, Final Average Compensation that can be taken into account to determine each Participant’s benefit under this Plan cannot exceed $4.6 million.” 

     IN WITNESS WHEREOF, the Company has caused this Amendment to be adopted in its name and behalf this 21st day of December, 2010, by its officer thereunto duly authorized. 
	
					
	 
	 
	 
	 
	 

	 
	METROPOLITAN LIFE INSURANCE COMPANY
	 

	 
	By:
	/s/ Andrew J. Bernstein
	 

	 
	 
	 
	 

	 
	 
	Andrew J. Bernstein, Plan Administrator
	 

	 

	
			
	 
	 
	 

	 
	 
	 

	ATTEST:
	 
	 

	 
	 
	 

	/s/ Candice MartinExhibit

Exhibit 10.79

	
	
	

	METROPOLITAN LIFE INSURANCE COMPANY OF

	HONG KONG LIMITED

	 

	HEALTHCARE PLAN

	 

	MEMBER’S EXPLANATORY HANDBOOK

	 

	 

	 

	 

	 

	 

	 

	 

	 

	 

	Prepared by:

	

	2014

	
		
	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
	13

	6. Exclusions
	15

Appendix

Prior Agreement Application – Hospitalization

Prior Agreement Application – Series of Procedures / Medical Prosthetic Devices

Prior Agreement Application – Dental Treatments

 2

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 China Region Insurance Company Limited (the insurer) based in Hong Kong 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
5th Floor, Cityplaza Four
12 Taikoo Wan Road, Taikoo Shing
Island East, Hong Kong
Telephone 2864 5527 or 2864 5390
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.

 3

		
	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

 4

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.
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.

 5

		
	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.

 6

		
	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.

 7

		
	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.
		
	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).

 8

		
	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).

 9

		
	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 “My Personal Space”.

		
	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).

		
	c)
	Click “GMC” logo on the right and enter country and city of your choice under “CSU & Healthcare Network Contact”.

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

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

		
	f)
	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.

 10

		
	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 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 5390 (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

 11

		
	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.

Claiming online:

Members are allowed to submit claims online with a maximum limit of US$500 per invoice. The procedures are set out below:

		
	a)
	Follow the login procedures set out in Section 3.1.

		
	b)
	By    clicking    on    “Create”,    you    are    able    to    submit    claims    for reimbursement online.

 12

		
	c)
	The screenshot below will appear for you to complete the claim form and attach any supporting documents.

		
	d)
	Fill in each of the tabs: Member Information, Invoice Details, Attach Supporting Documents and Submit Request.

		
	e)
	You are required to keep all original claims documents for 2 years from the date of submission of the claim as the insurer reserve the right to request for verification.

		
	f)
	Medical care which requires prior approval (see Section 4.1) is not to be processed under the online system. For claims larger than US$500 per invoice, originals are still required to be sent to the insurer.

 13

Claiming through submission of original documents:

Claims under US$500 per invoice and not requiring prior approval, can still be submitted with the original documents if you wish, and claims over US$500 per invoice or requiring prior approval must be submitted. The 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.

 14

		
	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
•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 5390 (facsimile Hong Kong (852) 2529 5333).

 15

		
	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.

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

 16

		
	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.

 17

		
	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.

 18

		
	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.
		
	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.

 19

		
	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.

		
	l)
	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.

 20

		
	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.

 21

Appendix I
	
					
	G M  C
	 
	 
	 
	 

	gestion
	 
	GMC Services - 20 Cecil Street, #05-05 Equity Plaza, Singapore #049705

	Département International
	 
	Tél : +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:
	
	
	 

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 (y/n)?

	 
	 
	 
	 
	 

	Detailed estimated cost of the hospitalization:
Hospital charges:
	 
	Physicians' fees:
	 
	Other cost elements:

	 
	 
	 
	 
	 

	
				
	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.

 22

Appendix II
	
					
	G M  C
	 
	 
	 
	 

	gestion
	 
	GMC Services - 20 Cecil Street, #05-05 Equity Plaza, Singapore #049705

	Département International
	 
	Tél : +65 6887 2488
	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 1 treatments:
	Chemotherapy, dialysis, electrotherapy, physiotherapy, radiotherapy, kinesitherapy, speech therapy, orthoptics, nursing care

	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 1 TREATMENTS

	 

	
					
	Pathology presented:
	 
	 
	 
	 

	 

	Nature of procedures:
	 
	Number of employees:
	 
	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:

	 
	 
	 
	 
	 

 23

	
	
	 

	MEDICAL PROSTHETIC DEVICES

	 

	
			
	Diagnosis:
	 
	 

	 

	Pathology presented:
	 
	Cost:

	 
	 
	 

	Devices required:
	 
	 

	 

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

	Date:
	 
	 
	 

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

 24

Appendix III
	
					
	G M  C
	 
	 
	 
	 

	gestion
	 
	GMC Services - 20 Cecil Street, #05-05 Equity Plaza, Singapore #049705

	Département International
	 
	Tél : +65 6887 2488
	E-mail : gmcg.ug32@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, #05-05 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 ATTENDING PRACTITIONER

	 

	ORTHODONTICS

	
							
	If the application pertains to a mixed dentition intervention:

	 
	 
	 
	 

	Does it concern a proscia rehabilitation (y/n)?

	 
	 
	Does it concern an early and interceptive orthodontic apparatus (y/n)? 

	 

	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,
	 
	If the Tweed analysis is used,

	complete items R1-R2-R3-R4 + 5 to 11
	 
	complete items T1-T2-T3-T4 + 5 to 11

	R1. Facial angle in degrees
	 
	 
	T1. FMIA in degrees:
	 

	R2. HFI in degrees:
	 
	 
	T2. IMPA in degrees:
	 

	R3. Convexity in millimetres:

	 
	 
	T3. ANB in degrees:
	 

	R4. DDM in millimetres:

	 
	 
	T4. Total DDM:
	 

	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
	 
	 
	Pathology of at least an entire area:

	
		
	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):
	 

 25

	
					
	 
	 
	 
	 
	 

	DENTAL 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.

 26

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