SMALLER GROUPS

'MyHealth - For companies with up to 20 Adults:

For smaller companies of one or more staff, APRIL groups together a collection of its MyHealth individual plans and provides discounts based on the nunber of staff.

IF you have 10 or more adults to insure, APRIL offers to:

1. disregard medical history and
2. will also offer a guarantee for staff to be able to continue cover as an individual, on leaving the company.

At renewal, APRIL will apply renewal rates that reflect the claim experience of April's portfolio of all its individual MyHealth plans. However, if after 2 years the loss ratio is above 85%, April will thereafter rate your company on the basis of its claim experience directly.

Develpomental Disorders

If you include the optional Outpatient benefits in your cover, APRIL offers a lifetime benefit of USD1,000 for Extensive and USD1500 for Elite, to cover the costs of :

• physicians,

• psychologists,

• psychotherapists, as well as

• diagnostic scans and tests, medicines and drugs

prescribed by a physician for a behavioural or developmental disorder. If this cover is a particular concern to you, April will be willing to offer higher limits.

Original Receipts required

When it comes to claims over USD800, APRIL requires you to post them a copy of the original receipt.

Hospital Admission

IF you know your are going to hospital, it is vital that we advise April a full 5 days in advance, to enable them to negotiate with the doctor and hospital. If we fail to do this, April will only pay 80% of the bills. IF it is an emergency admission, there will be no such deduction.

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LARGER GROUPS

YourHealth - For companies with more than 20 Adults:

April's 'YourHealth' group product is a totally customizable plan where you determine the level of benefits your company needs and can afford.

At renewal your company will be offered renewal terms that reflect your company's claim experience.

HKAOA Member Medical Scheme

Exclusively available to HKAOA Members, the scheme is designed to

• Enable members to defer cover until they leave the airline
• Top-up or replace your current family cover at low cost
• Let you take your cover with you when you go, wherever you go, regardless of your health
• Provide global cover with a huge range of options
• Ensure a very quick and simple application process for Class 1 medical holders on active flying duty

The HKAOA Members Medical Scheme is offered by Indigo Global, administered by APRIL Hong Kong Ltd and underwritten by Liberty International Insurance Ltd. This exclusive scheme comes with a range of benefits exclusively designed for HKAOA Members.

Deferred Cover for Pilots

US$250 per annum ($200 if dependants are also insured) ensures that when you leave the airline you can opt to upgrade to be fully insured regardless of your state of health).

Family Benefits

Highly preferential rates for members with super-flexible cover options for every family member and to meet all budgets.

Top-Up Options

50% co-insurance option designed to top-up existing airline dependants plan to 100% coverage at low cost.

Portable

Keep your cover in place when you leave the airline or move location (some restrictions, such as the USA may apply).

CPME

Continuous Personal Medical Exclusions means that even if you have equivalent individual cover from anther insurer and have made claims, you can transfer to the scheme on the same terms.

Local Service

Fully administered in Hong Kong with a strong direct billing network including your favourite clinics and GP practices. Employee benefits specialist – for more information about the HKAOA Members Medical Scheme, please contact Indigo Global at hkaoamedical@indigo.com.hk or call them at +852 2297 9603.

APRIL International Care

Administrating the scheme, experts in International health insurance, with 4,000 employees in 33 countries.

Liberty International Insurance Ltd

Underwritten by the Hong Kong arm of Liberty Mutual Group of Boston, one of the USA’s largest mutual insurers.

HKAOA Member Medical Documents:

Portability

Providing April agrees at the beginning of the policy year, April will offer an individual Policy to Group members and all their dependants covered under their company Policy, following the termination of and employee's:

• Employment
• Engagement
• Partnership

of the policyholder/company.. providing the employee has been insured with his/her dependents for a full year.

Any request under this provision must be made within thirty (30) days prior to the last day on which the Insured Person will be covered under this Policy (the “Group Policy Deletion Date”), and must be accompanied by a completed Application.

If it was not reasonably possible to make such request prior to the Group Policy Deletion Date, the Insured Person may make a late request, but under no circumstances shall the company be required to consider any member‟s request made more than thirty (30) days after the Group Policy Deletion Date.

In the case of death of an eligible insured person, applications for portability by the deceased's dependants will be considered for up to sixty (60) days following the death of the eligible insured person. The effective date shall be the day following the Group Policy Deletion Date.

The following special conditions apply to this provision:

1) April shall not be required to offer a policy to any individual who:

A). Would not be eligible for coverage based on their usual country of residence on the Group Policy Deletion Date, as stipulated in the most up to date Liberty Hong Kong Business Acceptance Guideline document at the time of leaving the group;

B). Has achieved the age of 66 years on the Group Policy Deletion Date or,

C). Has been included on the namelist for less than one year on the Group Policy Deletion Date or has not met any other waiting period criteria set at the outset of the policy.

2) This provision shall have no effect and we shall not be required to offer a continuation policy if this Policy:

A). Has been terminated; or

B). The new policy does not cover all eligible dependants covered by the Group Policy on the Deletion Date.

3) Benefits and policy terms will be based on the closest equivalent MyHealth Individual policy benefits on the Group Policy Deletion Date. The definition of 'closest equivalent´ will be at April's sole discretion.

Any requested upgrades in benefit in excess of the 'closest equivalent' policy will be subject to full medical underwriting.

4) Premiums for the first year after an Insured Person transfers to an individual policy under the terms of this endorsement, will be the published rates in force at the time of leaving the group policy. Renewal premiums for the individual policy, if renewed, will be determined according to the claim experience of all policies in the appropriate individual product pool.

5) April shall have the right to refuse to offer a Policy if they determine, in their sole discretion, that the member, while remaining or continuing to be employed, reemployed or engaged by the policyholder in any way, was terminated and/or deleted from this Policy, primarily for reasons of ill health or claim history; or to reduce the risk of medical claims under this Policy.

6) Individual underwriting will be conducted in respect of each applicant. Special terms may then be applied, limited to a maximum medical loading of 50% of the prevailing published rate for the MyHEALTH Individual 'closest equivalent' policy.

This offer from April is to offer a standard 10% off their best selling 'MyHealth' product, according to the following Criteria

Eligibility criteria
> Any applicant working for an airline company or who was employed before the 30th September 2020
may apply for the plan and cover their family under the same scheme
> Proof of employment (such as payslip) will be requested

Documents