Medical Insurance Plan

TAIPING DIAMOND PRECIOUSCARE MEDICAL PLAN

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Company ProfileChina Taiping Insurance Group Co., Ltd (abbreviated as “China Taiping”) is a Chinese state-owned financial and insurance group whose management headquarters is located in Hong Kong. China Taiping Life Insurance (Hong Kong) Company Limited (abbreviated as “TPLHK”or the “Company”) is a wholly-owned life insurance subsidiary of China Taiping Insurance Holdings Company Limited (Stock code 00966.HK), to carry on long-term insurance business (life, annuity and permanent health) in Hong Kong.

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TAIPING DIAMOND PRECIOUSCARE MEDICAL PLANLife should be full of joy with endless exciting journey. Whether you’re chasing your next big career accomplishment or enjoying the wonderful time with the loved ones, health is always the foundation for everything. A well-designed medical plan will give you the assurance that you and your families are getting the best protection when needed. TAIPING DIAMOND PRECIOUSCARE MEDICAL PLAN (abbreviated as the “Plan”) offers you and your family the exact medical cover that you can rely on. With affordable premium, you can enjoy Asia-wide coverage plus an overall lifetime limit up to HK$50,000,000 or US$6,250,000.

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Benefit at a Glance

Asia-wide coverage1 and Worldwide Emergency Assistance ServicesWe offer you comprehensive and quality medical protection throughout Asia (including confinement, surgical, and other extended medical services and protections). When you are travelling outside Asia, we also provide a Worldwide Emergency Assistance benefit.

Lifetime Guaranteed RenewalSubject to the terms and conditions of the policy, we guarantee that your premium for renewal will not be raised for any claim you have made, or any changes in your health condition. You can renew your cover every year for life as long as the Plan is still available to all existing policies. Renewal premium will be based on the prevailing premium rates at time of renewal and the terms of any renewal may not be the same as for the expiring Policy and will be determined by the Company.

Affordable Premium and Flexibility to Suit all your NeedsWe understand that everyone’s situation is different. That’s why we offer a more affordable protection plan with 3 deductible choices for you to choose from:

You can also choose to reduce your annual deductible amount to a lower deductible level provided by this product at the time without having to go through the whole underwriting process upon the anniversary of your policy at the age of 50, 55, 60 or 652. The premium will be adjusted based on your selected deductible amount.

Comprehensive Medical Coverage and ServicesWe provide you with a comprehensive coverage for medical expenses including charges for hospital room and board, doctor’s visit, specialist’s fees, surgeon’s fees. You can also enjoy the post-hospitalization benefits for outpatient consultation, home nursing, Chiropractor / Physiotherapist / Speech Therapist / Occupational Therapist and Chinese Medicine Practitioner.In addition, we provide extended medical care including Chemotherapy, Radiotherapy, oral targeted therapy, dialysis treatment and HIV/AIDS treatment, Stroke rehabilitation, delivery complication benefit and so on.Please refer to the Benefit Schedule and Product Provision for more detailed information.

Cashless Arrangement for Hospital StayBy the credit service arrangement prior to the admission of hospital, we will pay the hospital and surgical expenses directly on your behalf when you have completed a simple authorization process before, so that you can focus on your recovery with total peace of mind.Please refer to the Policy related document for more detailed information.

Various Daily Cash BenefitsOur Plan offers various daily cash benefits as a financial support to the insured when•

•

1 Please refer to “Important Information-Explanation of Benefits“-xi2 Please refer to “Important Information-Explanation of Benefits“-vii 3 Please refer to “Important Information-Explanation of Benefits”-vi4 Please refer to “Important Information-Exclusions”

Annual DeductibleChoices

HK$ US$

0 0

15,000 1,875

30,000 3,750

You are confined in standard room of a government Hospital or in a Hospital without charge, for Medically Necessary3 treatment of the Covered Illness or Covered Injury4, we will pay the Hospital Cash Benefit according to the amount shown on the Benefit Schedule for each day.You receive an Outpatient Surgery as an outpatient in the office/clinic of a Registered Medical Practitioner or in the outpatient department of a Hospital, we will pay the Outpatient Surgery Cash Benefit according to the amount shown on the Benefit Schedule for each day.

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Benefit Schedule

Issue Age 15 Days-Age 70 (Age last birthday)

Core Benefits Coverage / Maximum Limit Referral

I) Confinement Benefits

a) Hospital Daily Room & Board Benefit Fully Covered*

b) Physician’s Visit Fully Covered*

c) Specialist’s Visit Fully Covered* Required

d) Miscellaneous Hospital Expenses Benefit Fully Covered*

e) Intensive Care Benefit Fully Covered* Required

f) Private Nurse’s Fee Fully covered* up to 30 days per Policy Year / Coverage Period Required

g) Hospital Companion Bed Benefit Fully Covered*

h) Hospital Cash Benefit(Only applicable to standard room of a government Hospital or in a Hospital without charge, for Medically Necessary treatment of the Covered Illness or Covered Injury.)

HK$800/US$100 per day up to 90 days per Policy Year / Coverage Period

II) Surgical Benefits

a) Surgery Benefit# Fully Covered*

b) Outpatient Surgery Benefit Fully Covered*

c) Medical Appliances Benefit

1) Specified items Fully Covered*

2) Other items HK$96,000* / US$12,000* per item per life

3) Reconstructive device / materials HK$96,000* / US$12,000* per item per life

d) Outpatient Surgery Cash Benefit

HK$1,600 / US$200 per procedure, maximum 1 procedure per year

Remark：

*

#

^

The Coverage/ Maximum Limit marked with “*” denotes that each of the itemised expenses as shown in the official statement of accounts or receipts submitted to TPLHK for reimbursement is subject to the Reasonable and Customary charges.The maximum coverage of the donor’s surgical costs is 30% of the aggregate of the surgical costs of removal of the organ or bone marrow from the donor and the surgical costs of procedures performed on the Insured as recipient.This benefit is only payable when the signs or symptoms of the HIV Infection related illness first occur after the policy has been effective for five consecutive Policy Years / Coverage Periods.

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III) Post-Hospitalization Benefits

a) Post-Hospitalization / Outpatient Surgery Outpatient Consultation (60 days)

Fully Covered*

b) Post Surgery Home Nursing Benefit

Fully covered* up to 28 weeks per Policy Year / Coverage Period Required

c) Rehabilitation Benefit 60 days up to HK$80,000* / US$10,000* per Policy Year / Coverage Period Required

d) Hospice Care Benefit HK$80,000* / US$10,000* per life Required

e) Post-Hospitalization / Outpatient Surgery Ancillary Benefit

HK$30,000*/ US$3,750* (per Confinement/Outpatient procedure subject to 1 visit per day)

1) Chiropractor / Physiotherapist / Speech Therapist / Occupational Therapist

Up to HK$ 1,000* / US$125* per visit Required

2) Chinese Medicine PractitionerUp to HK$600* / US$75* per visit (up to 15 visits per Confinement/

Outpatient procedure)

IV) Extended Benefits

a) Pre-Hospitalization / Outpatient Surgery Outpatient Consultation (30 days)

Fully Covered*

b) Chemotherapy, Radiotherapy and Oral Targeted Therapy Benefit Fully Covered* Required

c) Dialysis Benefit Fully Covered* Required

d) HIV/AIDS Treatment Benefit^ HK$800,000*/US$100,000* per life

e) Mental or Nervous Disorder Benefit

30 days up to HK$40,000*/US$5,000* per Policy year / Coverage Period Required

f) Reconstructive Surgery Benefit HK$160,000*/US$20,000* (Per Covered Injury/ Covered Illness)

g) Stroke Rehabilitation Benefit i. Home Facility Enhancement Benefit ii. Stroke Ancillary Benefit iii. Disability Subsidy Benefit

iii

iii

h) Delivery Complication HK$ 30,000 / US$3,750 per year (1 year waiting period)

V) Emergency Treatment Benefits

a) Emergency Outpatient Treatment Benefit Fully Covered*

b) Emergency Dental Benefit Fully Covered*

c) Worldwide Emergency Assistance Services HK$ 5,000,000 / US$625,000 per trip

VI) Others

a) Compassionate Death Benefit HK$80,000 / US$10,000

HK$ 50,000 / US$6,250 per lifeHK$ 1,000 / US$125 per visit, 30 visits per year, HK$ 100,000 / US$12,500 per lifeHK$ 5,000 / US$625 per month, 24 months per life (for disability continued for 6 months)

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The following example is hypothetical and for illustrative purposes only. If there are any changes in the values, no separate announcement will be made.

Alex wants a plan which is able to provide a more comprehensive protection for him and his family with greater flexibility to cover the insufficiency of his employer’s current group medical plan.TAIPING DIAMOND PRECIOUSCARE MEDICAL PLAN of fers Alex superior protection at an affordable premium with an overall lifetime limit up to HK$50,000,000 to supplement his employer's group medical plan. With our Diamond PreciousCare Medical Service*, Alex can enjoy the extensive medical care any time, everywhere on his trip in Asia.*Please refer to the Plan related document for more detailed information.

Policy Owner and Insured Alex

Age 35

Occupation Sales Director of a financial institution

Marital status Married, with a son

Current cover Employer’s group medical plan

Example

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Scenario:

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Important Information

Explanation of Benefits

(i)

(ii)

(iii)

(iv)

(v)

(vi)

•

•

•

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Items Waiting Period Requirement (after the Policy commences)

Accidental injury Immediately

Illness 30 days

Investigation / treatment / surgery for tonsils, adenoids, hernias or a disease particular to

female generative organs120 days

Cashless arrangement service 180 days

Delivery Complication 1 year

HIV / AIDS Treatment Benefit 5 years

This brochure is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of the Plan are specified in the policy documents. Please refer to the policy contract for the definitions of capitalized terms, and the exact and complete terms and conditions of the cover. This brochure should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and contact TPLHK or our sales representative for more information or, obtain a more detailed proposal (if applicable).

The Plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs. This brochure is for distribution in Hong Kong only.

The Benefit Schedule relates only to your Basic Policy excluding additional benefits under any Supplementary Contract or rider to the Basic Policy.

The Benefit Schedule assumes that no claim has been paid and all premiums are paid in full when due.

Cover for specific items will be effective on the following dates:

We only cover the charges and/or expenses of the insured on Medically Necessary and Reasonable and Customary basis.“Reasonable and Customary” means:the medical services, diagnosis and / or treatments are Medically Necessary and delivered according to standards of good and prudent medical practice; andthe costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual and reasonable level of charges or duration for similar treatment in the locality of such services delivered.

If there are any charges and/or expenses made solely because of insurance cover, we will not consider them to be Reasonable and Customary charges.

“Medically Necessary” means that the medical services, diagnosis and / or treatments which:

are consistent with generally accepted professional standards of medical practice;are required to establish a diagnosis and to provide treatment; andcannot be safely delivered in a lower level of medical care.

Experimental, screening, and preventive services or supplies are not considered Medically Necessary.

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(vii)

(viii)

•

• • •

(ix)

(x)

(xi)

(xii)

On the Policy Anniversary on or immediately following the Insured's 50th, 55th, 60th or 65th birthday, the policyholder has the right to reduce the Deductible to a deductible level provided by the plan versions of this product available at that time without further medical examination / underwriting. This right of reduction of Deductible can only be exercised once during the lifetime of the Insured and is irrevocable. Claims in respect of a Covered Illness or Covered Injury occurring after reduction of the Deductible shall be subject to the reduced Deductible.

In order to provide you with continuous protection, we will annually review and adjust the premium of your plan accordingly at the end of each policy year. During the review, we will consider factors including but not limited to the following:Claim costs incurred from all policies under the Plan and the expected claim amount in the coming years which will reflect the expected medical trend, inflation and product feature revisions (if applicable)Investment experiences and changes in expected asset performancePolicy surrenders and lapse experience and expectationExpenses directly or indirectly allocated to this product

To be more reflective of medical advancement and to provide you with continuous appropriate protection, TPLHK reserves the right to revise the benefit structure, products features, terms and conditions, and/or the premium by giving a 30-day prior notice in writing by ordinary post to the Owner’s last known address in the Company’s records on any Policy Anniversary or renewal.

Cover renewal is guaranteed every year as long as the Plan is still available to all existing policies. Renewal premium will be based on the prevailing premium rates at the time of renewal and the terms of any renewal may not be the same as for the expiring policy and will be determined by the Company.

The insured will be covered for any room type in which he stays at hospital. However, there will be a reduction in his benefit pay-out amount in case the insured stays in a room type higher than the Plan covered. Please refer to the policy related document for more detailed information.

“Asia” means Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam.

The Insured shall be deemed to have taken up residence in Australia, New Zealand, North America or Western Europe if he / she has been present in that location for a period of three hundred and sixty-five (365) or more consecutive days, including the days of arrival and departure. If the Insured takes up residence in Australia, New Zealand, North America or Western Europe, commencing from the date of such taking up of residence, the benefits payable under Emergency Treatment Benefits (excluding Worldwide Emergency Assistance Services) in the Schedule of Benefits and/or the benefits payable under any supplementary contracts shall be permanently reduced to sixty percent (60%) of the relevant reimbursable charges.

“North America” means the United States and Canada.

“Western Europe” means Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

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EXCLUSIONS

The Plan does not cover any confinement, treatment, surgery or charges relating to or caused directly or indirectly, wholly or partly, by any of the following:(a)

(b)

(c)

(d)

(e)(f)

any Injury or illness caused by (i) self-destruction or intentional self-inflicted injuries or any attempted self-destruction while sane or insane; or (ii) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or (iii) service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; or (iv) any violation or attempted violation of the law or resistance to arrest or (v) any Act of Terrorism where the Insured was involved as a terrorist; or (vi) the use of atomic, biological or chemical weapons as well as radioactive, biological or chemical contamination due to any Act of Terrorism, except where the Insured is injured during a Trip outside the Insured's permanent residence country or place; or (vii) the Insured's travelling to a country where there is a war (whether declared or not), warlike operation, hostilities, mutiny, riot, civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power, martial law or state of siege, or a war zone as recognized by the United Nations.(i) Pregnancy, miscarriage or child birth, termination of pregnancy, pre-natal or postnatal care, or complications of them except for Delivery Complication Benefit under Extended Benefits; or (ii) investigations, treatment or any procedures related to fertility, genetic testing or counselling, sexual dysfunction or inadequacies, contraception, sterilization and all kinds of assisted reproduction procedures; or (iii) any mental, behavioural, psychiatric or psychological disorder, including but not limited to anxiety, anorexia, depression, stress, fatigue, or psychiatric complications of physical disorders, cognitive impairment, sleep disorders, nicotine or alcohol or drug or substance abuse/dependency, or any complications of them except such occurrence are covered under Mental or Nervous Disorder Benefit; or (iv) cosmetic or plastic surgery, prophylactic surgery or treatment; treatment of obesity (including morbid obesity) and weight control programmes, organ donation as the donor, or treatment of an optional nature; or (v) any form of dental care or surgery unless necessitated by Injury but in all circumstances shall not cover replacement of natural teeth, denture and prosthetic services such as bridges and crowns, their replacement and related expenses; or (vi) any charges for treatment related to and/or the correction of Manifested Congenital Conditions or Non-Manifested Congenital Conditions unless specifically indicated in the benefit schedule of the benefit level of the policy; or (vii) treatment directly or indirectly associated with a sex change; or (viii) corrective aids and treatment of refractive errors, vision therapy or hearing aids unless necessitated by Injury caused by Accident; or (ix) routine health checks, screening and preventive care/checking, or investigations not directly related to illness or conditions for which the Insured is admitted or (x) convalescence, custodial or rest care, or any admission that is not Medically Necessary; or (xi) any treatment, investigation, service or supplies which is not Medically Necessary.Investigation, treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female generative organs until the Insured has been continuously covered under the Plan for a period of 120 days immediately preceding such investigation, treatment or surgery.AIDS or any complications associated with HIV Infection except for HIV/AIDS Treatment Benefit.any Pre-existing Condition.any of the following traditional Chinese medicines: (i) cordyceps; (ii) ganoderma; (iii) antler; (iv) cubilose; (v) donkey-hide gelatin; (vi) hippocampus; (vii) ginseng; (viii) red ginseng; (ix) American Ginseng; (x) Radix Ginseng Silvestris; (xi) antelope horn powder; (xii) placenta hominis; (xiii) Agaricus blazei murill; (xiv) musk; and (xv) pearl powder, except if covered under item (2) of Post-Hospitalization/ Outpatient Surgery Ancillary Benefit (i.e. consultation with, medical treatment performed and/or medicines prescribed by a Chinese Medicine Practitioner for a maximum of fifteen (15) visits per Confinement or out-patient procedure) under Part III(e) and / or item (2)(iii) of Stroke Rehabilitation Benefit under Part IV(g).

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(g)

(h)

The above list is for reference only. Please refer to the policy contract of the Plan for the complete list and details of exclusions.

PREMIUM AND REINSTATEMENT PROVISIONS

PAYMENT OF PREMIUMSPremiums are payable annually on or before the relevant due date.It is your responsibility to ensure Premiums are paid during the term of the policy. If after payment of the first Premium you fail to pay any Premium by its due date you will be in default under the policy.

CHANGE OF PREMIUMPremium may vary. We reserve the right to review the premium rates annually on each policy anniversary and adjust the premium rates accordingly.

DEDUCTION OF PREMIUM AT DEATHIf the Insured dies, any balance of the premium due for the full year in which death occurs shall be deducted from the proceeds payable under the policy.

GRACE PERIOD Other than the first Premium, we allow you a period (Grace Period) of thirty-one (31) days after the date the Premium is due during which the policy will continue to be in force even if that Premium is not paid. If any Premium remains unpaid at the end of the Grace Period, the policy will be terminated.

REINSTATEMENTIf the policy lapses following the non-payment of premium within the Grace Period, policyholder may request for reinstating within two (2) years from the due date of the premium in default provided all of the following conditions are met:(a)

(b)

(c)

(d)

(e)TPLHK may refuse the application for reinstatement at its sole discretion and without being required to give any reason for the decision.

Sickness or Injury directly or indirectly resulting from or consequent upon: (1)

(2)

(3)

(4)

(5)

(6)

(7) Sickness or Injury contracted during any journey taken by the Insured which is (1) against the advice of a Registered Medical Practitioner; (2) for the purpose of or in connection with obtaining or seeking any medical advice or surgical treatment outside Hong Kong.

medicines and drugs which are not consumed in a Hospital or prescribed by a Registered Medical Practitioner; contraceptives or contraceptive devices, vaccines, appetite stimulants or depressants, unless specifically covered; prescription drugs used in connection with drug addiction, alcoholism, weight reduction, smoking cessation and treatment of baldness and experimental drugs; venereal diseases or wilful misuse of drugs or alcohol, attempted suicide or intentional self-inflicted injury or participating in an illegal activity, attempted or committed any unlawful or illegal act or having more than the legally permitted level of alcohol in the blood whilst driving any kind of vehicle;high risk activities or occupations: (i)

(ii)

war or any act of war, declared or undeclared, invasion, act of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or act of terrorism, strike, riot, engaging military force;nuclear radioactive contamination.

engaging in or taking part in disciplinary, naval, military or air force service or operations;engaging in or practicing in or taking part in training peculiar to: aqualung diving, rafting; mountaineering, rock-climbing, or trekking necessitating the use of ropes or guides; potholing, parachuting, bungee jumping, hang-gliding, stunts or daring feats; skiing, tobogganing, sledding and ice skating, including ice hockey and other sports requiring snow or ice for play; professional sports such as car racing, horse racing; motor cycling; engaging in aviation other than as a fare-paying passenger in an aircraft provided by and operated by an airline or air charter company which is duly licensed for the regular transportation of fare-paying;

request is submitted in writing on the Company’s prescribed form to our Issuing Office;evidence to our satisfaction of insurability (including, but not limited to, evidence of the Insured’s health status), is submitted to TPLHK;the amount of overdue premium as we may determine is paid to us with interest;any Policy Debt as at the date of lapse is repaid, or reinstated, with interest; andpolicyholder has not surrendered the policy.

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Key Product Risks

Premium Adjustment RiskPremiums may vary. The Company reserve the right to review the premium rates annually on each policy anniversary and adjust the premium rates accordingly across a particular risk class (including but not limited to age, gender, smoking status, premium term, nationality and currency) but not to any particular individual, based on the claim record of the class, to maintain the financial performance of the class within the Company’s expected range.

Credit RiskAny premiums you paid would become part of our assets and so you will be exposed to our credit risk. Our financial strength may affect our ability to meet the ongoing obligations under the insurance policy. If we are unable to satisfy the financial obligations of the policy, you may lose your cover and you may lose the remaining premium for that policy year.

Inflation RiskThe costs of living and healthcare in the future are likely to be higher than it is today due to inflation. As a result, your current planned benefits may not be enough to meet your future needs.

Exchange Rate RiskThe application of this insurance product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, any exchange rate fluctuation between your home currency and the policy currency of this insurance product will have a direct impact on the amount of premium required and the value of the benefit(s) to be received. For instance, if the policy currency of the insurance product depreciates substantially against your home currency, the potential loss arising from such exchange rate movement may have a negative impact on your benefits to be received from the product and your burden of the premium payment. You may browse our official website (http://tplhk.cntaiping.com/) to find out the latest prevailing exchange rate for reference. You should consider the exchange rate risks and decide whether to take such risks.

Termination ConditionsThe policy shal l automatical ly terminate on the occurrence of the earliest of the following:(a) (b)

(c)

On termination of the policy, all benefits under all Supplementary Contract(s) attached thereto (if any) will also terminate.Termination of the policy shall be without prejudice any claim arising prior to such termination unless otherwise stated. The payment to or acceptance of any premium hereunder subsequent to termination of the policy shall not create any liability but TPLHK shall refund any such premium.Notwithstanding the foregoing or any thing else contained in the policy, if on the date the policy terminates pursuant to clause (b) above, we shall extend the benefit cover additional for thirty (30) days from the termination. If the Insured is confined in a Hospital for a Covered Illness or Covered Injury, within thirty (30) days from the termination date, we shall pay such Confinement, subject to any Coverage/Maximum Limit(s) shown in the Benefit Schedule or limitation(s) applicable to the covered benefit(s) in question.

Guaranteed Renewal and Premium AdjustmentSubject to all of the terms and conditions of the Plan and provided the Plan continues to be available for renewal, you have a guaranteed right to renew the policy by advance payment of the appropriate annual premium on each Policy Anniversary during the lifetime of the Insured. We reserve the right to determine the terms and conditions for renewal. Unless otherwise specified, the premium is not fixed, and at the time of such renewal, we reserve the right to revise or adjust it according to our applicable premium rate for the attained age of the Insured at the time of such renewal, subject to other terms and conditions, if any, as set out in the policy.

TaxationIn order for the Company to issue the policy to you and/or to provide some or all of the benefits that are otherwise available to you under its terms and/or for the policy to remain in-force in accordance with the terms thereunder, the Company requires your assistance to enable it to meet its current and future obligations of any legal, statutory, regulatory, governmental or tax authorities in Hong Kong (such as the Hong Kong Inland Revenue Department) or in any other foreign jurisdictions (including but not limited to the United States Internal Revenue Service) regarding you and your Policy ("the Obligations").

To allow the Company from time to time to meet the Obligations, you are required to inform the Company in writing of any change in the information you have provided to the Company within 30 days from the date of such change. Besides, the Company may also, upon written notice to you, request you to provide, or to give consent that the Company shall have the right to disclose, certain information relating to you, the insured, the beneficiary(ies), the aforesaid's signatory or lawful attorney (as applicable) or the policy, or to take such action(s) that may be necessary for the Company to meet the Obligations within 30 days of the date of the notice. If you fail after request to provide the Company with such information, consent or to take the action(s) as specified by the Company in a timely manner, the Company may be required to make reports to the relevant authority including but not limited to disclosing or transferring your personal data to an authority regardless of whether such authority is located in Hong Kong or in a jurisdiction other than Hong Kong. The Company also reserves the right and shall be entitled to take any such other action(s) as may be reasonably required.

The Company has certain obligations to Hong Kong and foreign legal or regulatory bodies and government or tax authorit ies regarding you and your Policy and the Company may from time to time request information from you in relation to these obligations. There are consequences, which will be set out in your policy documents, if you fail to provide to the Company information that is requested from you. Such consequences include that the Company may: (a) take such actions as are necessary to enable it to meet its obligations; (b) be unable to provide new, or continue to provide all of the services to you; (c) be required to withhold payments or benefits that would otherwise be due to you or your Policy and permanently pay those over to tax authorities; and (d) terminate your Policy.

The amount you get back in the event of benefits or payments withholding and/ or policy termination by the Company as mentioned above plus the total amount that you have received from the policy (if any) before policy termination may be less than the amount of the premium(s) you have paid. The Company recommends that you seek your own independent professional advice on your tax liabilities.

the death of the Insured; orthe lapse of the policy pursuant to the “Grace Period” clause; orthe date the aggregate benefit paid under the relevant insurance policies reach the Overall Lifetime Limit.

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Important Notes•

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Cancellation Right

A customer who has purchased the Plan has a right to cancel the policy within the cooling-off period and obtain a refund of any premium(s) paid less any withdrawals. Provided that no claim has been made, the customer may cancel the policy by giving written notice to TPLHK within 21 days after: (1) the delivery of the policy; or (2) written notification to the customer/his/her representative (informing the availability of the policy and expiry date of the cooling-off period), whichever is earlier. The premium will be refunded in the currency of premium payment at the time of application for the policy. If the currency of premium payment is not the same as the plan currency, the refundable premium amount in plan currency under the policy will be converted to the currency of premium payment at the prevailing currency exchange rate as determined by TPLHK in our absolute discretion from time to time upon payment. After the cooling-off period expires, if a customer cancels the policy before the end of benefit term, the actual cash value may be substantially less than the total amount of premiums paid.

“Taiping Diamond PreciousCare Medical Plan” is underwritten by China Taiping Life Insurance (Hong Kong) Company Limited. TPLHK is authorized and regulated by Insurance Authority (“IA”) to carry on long-term business in the Hong Kong Special Administrative Region of the People's Republic of China (“HKSAR”). TPLHK reserves the r ight to decide at its sole discretion whether to accept or decline any application for the Plan according to the information provided by the applicant and the proposed insured at the time of application.TPLHK reserves the r ight to amend, suspend, terminate or amend the relevant terms of the Plan at any time at its sole discretion without prior notice. In case of any dispute, the decision of TPLHK shall be final.The of fer of the Plan is l imited and subject to availability. TPLHK reserves the right to decline applications for the Plan with a full refund of any premium paid (if any) without interest.The Plan is a product of TPLHK and it is intended only for sale in the HKSAR.This promotion material is for reference only. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by TPLHK. Chinese version of the policy is provided for reference only. In case of discrepancies between the Chinese and English versions of the policy, the English version shall prevail.

Need more details?

Please contact your consultant or call our Customer Service Hotline at (852) 800 961 589 or visit our website at http://tplhk.cntaiping.com/ for more details.

In this product leaflet, “you” and “your” refer to the policyowner. “TPLHK”, “the Company”, “We”, “us” and “our” refer to China Taiping Life Insurance (Hong Kong) Company Limited.

MED_DPC_PB(10/18)E

0 7,795 4,054 3,389 1 7,795 4,054 3,389 2 7,795 4,054 3,389 3 7,795 4,054 3,389 4 7,795 4,054 3,389 5 7,795 4,054 3,389 6 7,795 4,054 3,389 7 7,795 4,054 3,389 8 7,795 4,054 3,389 9 7,795 4,054 3,389

10 7,795 4,054 3,389 11 7,795 4,054 3,389 12 7,795 4,054 3,389 13 7,795 4,054 3,389 14 7,795 4,054 3,389 15 7,795 4,054 3,389 16 7,795 4,054 3,389 17 7,795 4,054 3,389 18 7,795 4,054 3,389 19 7,875 4,095 3,389 20 8,035 4,178 3,389 21 8,117 4,220 3,389 22 8,357 4,345 3,389 23 8,758 4,555 3,503 24 9,000 4,680 3,600 25 9,563 4,972 3,826 26 10,125 5,265 4,049 27 10,768 5,600 4,308 28 11,251 5,849 4,631 29 11,572 6,018 4,897 30 11,812 6,143 5,135 31 12,054 6,268 5,242 32 12,214 6,351 5,311 33 12,535 6,518 5,451 34 13,018 6,769 5,660 35 13,260 6,895 5,765 36 13,340 6,937 5,800 37 13,580 7,062 5,905 38 13,902 7,228 6,045 39 13,983 7,271 6,080 40 14,143 7,354 6,149 41 14,385 7,480 6,254 42 14,706 7,648 6,394 43 15,349 7,982 6,674 44 16,232 8,442 7,057 45 17,117 8,902 7,442 46 18,082 9,403 7,862 47 18,643 9,694 8,106 48 19,366 10,071 8,420 49 20,171 10,489 8,769 50 20,572 10,697 8,945

21,375 22,260 23,063 24,108 25,152 26,598 28,286 29,652 31,582 33,671 36,403 39,617 43,795 48,938 54,002 58,502 59,626 60,912 62,922 64,609 70,074 72,485 74,814 76,422 77,868 82,771 88,555 90,966 93,860 95,306 99,966 101,895 103,663 105,431 107,280 109,208 110,975 112,663 114,432 116,360 118,208 119,895 121,745 123,672 125,440 127,369 128,977 130,825 132,674 132,674

11,115 11,575 11,992 12,535 13,080 13,831 14,709 15,418 16,423 17,508 18,929 20,602 22,774 25,449 28,082 30,422 31,006 31,675 32,720 33,597 36,438 37,692 38,903 39,740 40,491 43,040 46,048 47,302 48,806 49,560 51,983 52,985 53,905 54,823 55,786 56,788 57,706 58,585 59,505 60,508 61,468 62,346 63,308 64,309 65,229 66,231 67,068 68,029 68,991 68,991

9,294 9,678 10,028 10,482 10,935 11,565 12,298 12,892 13,731 14,640 15,828 17,225 19,042 21,277 23,478 25,435 25,925 26,483 27,357 28,091 30,466 31,515 32,528 33,226 33,855 35,988 38,503 39,551 40,809 41,437 43,463 44,303 45,071 45,840 46,643 47,482 48,251 48,985 49,754 50,591 51,395 52,128 52,932 53,771 54,538 55,378 56,077 56,880 57,685 57,685

515253545556575859606162636465666768697071*72*73*74*75*76*77*78*79*80*81*82*83*84*85*86*87*88*89*90*91*92*93*94*95*96*97*98*99*

100*- - - -

The information is for reference only. During the sales process, this document should be read in conjunction with the relevant product brochure. For terms and conditions of the plan, please refer to relevant product brochure and policy document.

Age last birthday

Annual Deductible

15,000 30,0000

Age last birthdayAnnual Deductible

15,000 30,0000

Taiping Diamond PreciousCare Medical Plan

All figures in HKD

MED_DPC_LI(10/18)CE

0123456789

1011121314151617181920212223242526272829303132333435363738394041424344454647484950

974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 974.42 984.42

1,004.42 1,014.62 1,044.62 1,094.81 1,125.00 1,195.38 1,265.58 1,345.96 1,406.35 1,446.54 1,476.54 1,506.73 1,526.73 1,566.92 1,627.31 1,657.50 1,667.50 1,697.50 1,737.69 1,747.88 1,767.88 1,798.08 1,838.27 1,918.65 2,029.04 2,139.62 2,260.19 2,330.38 2,420.77 2,521.35 2,571.54

506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 506.73 511.92 522.31 527.50 543.08 569.42 585.00 621.54 658.08 700.00 731.15 752.31 767.88 783.46 793.85 814.81 846.15 861.92 867.12 882.69 903.46 908.85 919.23 935.00 955.96 997.69

1,055.19 1,112.69 1,175.38 1,211.73 1,258.85 1,311.15 1,337.12

423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 423.65 437.88 450.00 478.27 506.15 538.46 578.85 612.12 641.92 655.19 663.85 681.35 707.50 720.58 725.00 738.08 755.58 760.00 768.65 781.73 799.23 834.23 882.12 930.19 982.69

1,013.27 1,052.50 1,096.15 1,118.08

515253545556575859606162636465666768697071*72*73*74*75*76*77*78*79*80*81*82*83*84*85*86*87*88*89*90*91*92*93*94*95*96*97*98*99*

100*

2,671.92 2,782.50 2,882.88 3,013.46 3,144.04 3,324.81 3,535.77 3,706.54 3,947.69 4,208.85 4,550.38 4,952.12 5,474.42 6,117.31 6,750.19 7,312.69 7,453.27 7,614.04 7,865.19 8,076.15 8,759.23 9,060.58 9,351.73 9,552.69 9,733.46

10,346.35 11,069.42 11,370.77 11,732.50

11,913.27 12,495.77 12,736.92 12,957.88 13,178.85 13,410.00 13,650.96 13,871.92 14,082.88 14,304.04 14,545.00 14,775.96 14,986.92 15,218.08 15,459.04 15,680.00 15,921.15 16,122.12 16,353.08 16,584.23 16,584.23

1,389.42 1,446.92 1,499.04 1,566.92 1,635.00 1,728.85 1,838.65 1,927.31 2,052.88 2,188.46 2,366.15 2,575.19 2,846.73 3,181.15 3,510.19 3,802.69 3,875.77 3,959.42 4,090.00 4,199.62 4,554.81 4,711.54 4,862.88 4,967.50 5,061.35 5,380.00 5,755.96 5,912.69 6,100.77

6,195.00 6,497.88 6,623.08 6,738.08 6,852.88 6,973.27 7,098.46 7,213.27 7,323.08 7,438.08 7,563.46 7,683.46 7,793.27 7,913.46 8,038.65 8,153.65 8,278.85 8,383.46 8,503.65 8,623.85 8,623.85

1,161.73 1,209.81 1,253.46 1,310.19 1,366.92 1,445.58 1,537.31 1,611.54 1,716.35 1,830.00 1,978.46 2,153.08 2,380.19 2,659.62 2,934.81 3,179.42 3,240.58 3,310.38 3,419.62 3,511.35 3,808.27 3,939.42 4,065.96 4,153.27 4,231.92 4,498.46 4,812.88 4,943.85 5,101.15

5,179.62 5,432.88 5,537.88 5,633.85 5,730.00 5,830.38 5,935.19 6,031.35 6,123.08 6,219.23 6,323.85 6,424.42 6,515.96 6,616.54 6,721.35 6,817.31 6,922.31 7,009.62 7,110.00 7,210.58 7,210.58

- - - -

上次生日年齡 Age last birthday

每年墊底費 Annual Deductible

1,875 3,7500上次生日年齡

Age last birthday每年墊底費 Annual Deductible

1,875 3,7500

以美元計算 All figures in USD

* 只供續保之用。有關續保須符合保單之條款及細則。For renewal only. The renewal is subject to the terms and conditions of the Policy.資料只供參考。在銷售過程中此文件必須與有關之產品小冊子一併閱讀。有關本計劃之產品條款及細則，請參閱產品小冊子及保單文件。The information is for reference only. During the sales process, this document should be read in conjunction with the relevant product brochure. For terms and conditions of the plan, please refer to relevant product brochure and policy document.

First Addendum to Product Brochure

This addendum is applicable to Taiping Term Life (Rider), FlexiLife Term Annuity II, Taiping Diamond PreciousCare Medical Plan and Admire Care Securer Plan, and should be read in conjunction with the product brochure of the aforementioned products (the “Product Brochure”). This addendum forms part of the Product Brochure.

The following change to the Product Brochure shall take effect from 1 January 2020.

Under “Cancellation Right” section, the explanation of cooling-off period has been amended as follows:

You have the right to cancel the policy and obtain a refund of any premiums (less any withdrawals, if applicable) and any levy paid by giving written notice to us within the cooling-off period, i.e. 21 calendar days immediately following the day of the delivery of (i) the policy; or (ii) the cooling-off notice to you or your nominated representative, whichever is earlier. No refund can be made prior to your request for cancellation.

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MED_DPC_PB(10/18)E