SingTel HR Policy Medical Benefits

Medical Benefits Contents

1. a) b) 2. a) b) 3. a) b) 4. a) b) c) 5. a) b) c) d) 6. 7. a) b) c) d) e) f) g) 8. a) b) c) d) e) f) g) 9. Introduction Flexible Medical Scheme (FMS) Maternity Benefits Eligibility Flexible Medical Scheme (FMS) Maternity Benefits Allocation of Points for FMS Flex Points Health Spending Account (HSA) Policy Outpatient Plans In Case of Emergency Inpatient Plans (Hospitalisation & Day Surgery) General Limitations and Exclusions Flexible Medical Scheme Selection & Utilisation Plan Selection Flex Points & HSA Points Utilisation Claimable Health-Related Products & Services Cessation of Employment Factors to Consider When Selecting Your Medical Plans Planning for Your Long-Term Healthcare Needs Procedures Enrolment of Medical Plan Use of Medical Card for Cashless Services Specialist Referral Inpatient Admission Claims & Reimbursements / Recoveries Medical Portal My Health Wallet Hotline Numbers Frequently Asked Questions (FAQs) General Outpatient Plans Inpatient Plans & Chronic Outpatient Benefits Medisave-Approved Private Integrated Shield Plans Flex / Health Spending Account Points and Price Tags Medical Plan Enrolment Others Product Summary

Others a) Basic Health Screening b) Discounts c) Vaccination (Official Overseas Travel) d) External Links For CPF Medisave-Approved Private Integrated Shield Plans AIA Aviva Great Eastern NTUC Income Prudential

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SingTel HR Policy Medical Benefits

Medical Benefits
Introduction The medical benefits comprise the Flexible Medical Scheme (FMS) and Maternity Benefits. a) Flexible Medical Scheme

The Flexible Medical Scheme (FMS) covers inpatient and outpatient benefits (including specialist services). Employees are given choice and flexibility in selecting medical benefits that suit their changing health care needs. Employees can also purchase additional medical coverage for themselves and/or the family at a rate subsidized by the Company. The FMS is designed with the following in mind: Aligning the Companys medical benefits to the market and taking into account market trends and developments; Cultivating shared responsibility by employees for their own health; and Ensuring long-term sustainability of the scheme. Each FMS Plan Year is from 1 April to 31 March of the following year. b) Maternity Benefits

Maternity benefits are provided as a lump sum to assist employees with their maternityrelated expenses. The maternity benefit is as follows: Job Category JO SO and above Maternity Benefit Per Delivery S$1,200 S$1,800

As this benefit covers medical, hospitalization and related expenses incurred for the delivery, there shall be no further claims for antenatal & postnatal expenses and that it is regardless of which hospital and ward admission. Eligibility a) For Flexible Medical Scheme:

All regular employees and their dependants are eligible for the FMS. Dependants are defined as follows (please note that age is determined as the age at next birthday, at the start of the Plan Year): o Legal spouses below the age of 65; o Unmarried and unemployed legal child who is at least 15 days old and below the age of 19 years1; o Unmarried and unemployed legal child who is at least 19 years old and below the age of 25 years, where the child is registered as a full-time student in a recognized tertiary institution and financially dependent on the employee for the necessities of life.

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Note: 1 Dependants who turn 18 years during the Plan Year shall be covered until the end of the Plan Year. b) For Maternity Benefits:

All married employees who are on regular employment, are eligible for maternity benefits, upon child delivery. If both husband and wife are working in SingTel, only the wife will be eligible to claim this benefit. All claims must be made within 3 months from the date of child delivery. Allocation of Points for Flexible Medical Scheme Employees are allocated with Flex Points and Health Spending Account (HSA) Points for each Plan Year. a) Flex Points

Flex Points are for the purchase of Outpatient and Inpatient plans and the allocation are as follows: Flex Points (1 Apr 13 to 31 Mar 14) Outpatient SO and above with Ward A entitlement JO with Ward B1 entitlement JO with Ward B2 entitlement 180 180 180 Inpatient 140 120 80 Total 320 300 260

Employee Profile

The following employees will be allocated additional corresponding Flex Points for their dependants: A male employee who joined the Company before 1 October 2006; and A female employee who joined the Company before 1 October 2006, and who is a widow / divorcee / has been granted a decree nisi or decree of judicial separation. Any pro-ration of Flex Points will be based on the insurers pro -ration formula (i.e. based on calendar days in the month). The pro-ration formula will also be applied for medical plan Price Tags. b) Health Spending Account (HSA)

HSA points are to subsidise Outpatient co-payments as well as purchases of specified health-related products and services. The allocation is as follows: Employee Profile Not previously certified with chronic condition (as at 11 August 2006) Previously certified with a chronic condition (as at 11 August 2006) CONFIDENTIAL Page 3 of 28 HSA Points 30 120 January 28, 2013

SingTel HR Policy Medical Benefits

The following employees will be allocated additional corresponding HSA Points for their insured dependants: A male employee who joined the Company before 1 October 2006; and A female employee who joined the Company before 1 October 2006, and who is a widow / divorcee / has been granted a decree nisi or decree of judicial separation. HSA Points for both the employees and their eligible dependants are combined at the beginning of the Plan Year to be shared among the whole family unit (under a Health Spending Account, HSA). At the end of each medical plan year, a redemption exercise will take place for the purchase of health-related products and services. Employees will be informed of their balance HSA points and the redemption period for submission of claims. Policy Medical Plans a) Outpatient Plans Employees have a choice of 4 Outpatient Plans (Plans 1 to 4) as listed in Table A. The claim limits for consultation with General Practitioner (GP) and Specialist (SP) doctors will be in accordance to their selected plan. Table A:
Description GP Services - Panel GP2 & Govt. Polyclinics GP Services - Non-Panel GP Traditional Chinese Medicine (TCM)3 Emergency Outpatient Treatment at Accident & Emergency (A&E)4 Specialist Services5 - Panel SP and Govt. SP Annual Employee Limit Per Plan Year6 - GP, TCM and A&E - Specialist Annual Family Limit Per Plan Year (excluding Employee)6 (where selection is made to cover dependants) - GP, TCM and A&E - Specialist Subsidised Price Tag Per Individual (excl GST) Plan 1 Plan 2 Plan 3 (Default 1) Plan 4 (Default 2) Plan 5 (Default 3)

As charged, subject to S$5 co-pay Reimbursement up to S$20 per visit, subject to S$5 co-pay

As charged, subject to S$10 co-pay Reimbursement up to S$20 per visit, subject to S$10 co-pay

Reimbursement up to S$20 per visit, maximum of 5 visits per year Reimbursement up to S$70 per visit As charged, subject to S$15 copay As charged, subject to S$20 co-pay

S$500 S$1,000

S$1,000 S$1,500

S$2,000 S$3,000

S$2,000 S$5,000

S$2,000 S$5,000

S$500 S$1,000 S$160

S$1,000 S$1,500 S$180

S$2,000 S$3,000 S$155

S$2,000 S$5,000 S$205

S$2,000 S$5,000 S$180

Default 1: Plan 3 is the standard default plan if there is no plan selection made

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Default 2: Plan 4 is the default plan for non-chronic individuals who have a family member on Plan 5 Default 3: Plan 5 is only applicable for individuals who were previously certified with a chronic condition, as at 11 Aug 2006 Notes: Panel GP A list of Panel GPs can be found at http://www.myhealthwallet.com. Panel GPs include government polyclinics. For employees residing in Johor Bahru, they may visit 3 new panel GP clinics, as listed below. a) KLINIK MESRA LARKIN Address: 5C-08 PUSAT PENGANGKU-TAN JOHOR BAHRU, MSIA AWAM LARKIN, JALAN GERODA 2 80350 b) KLNIK MESRA PLAZA Address: 21 JALAN BALAU TAMAN MELODIES 80250 JOHOR BAHRU, MALAYSIA c) KLINIK MESRA TAMPOI Address: NO 5 JALAN PERSIARAN TANJUNG JOHOR BAHRU, MALAYSIA SUSUR 1 81200 TAMPOI Traditional Chinese Medicine (TCM) (i) The maximum number of TCM visits claimable is 5 per year for each employee. (ii) The maximum combined number of TCM visits claimable by insured dependants is 5 per year. (iii) All TCM expenses must be from clinics registered with the TCM Practitioners Board (TCMPB - http://www.tcmpb.gov.sg) (iv) Tonics such as ginseng, birds nest, etc. are not reimbursable. Emergency Outpatient Treatment at Accident & Emergency (i) In the event a specialist is called to the A&E department for consultation (no resulting hospitalisation or day surgery), the specialist fees will form part of the total A&E bill. (ii) In the event of hospitalisation or day surgery, these will be considered as inpatient expenses, and the benefits under your selected Inpatient Plan will apply. (iii)For more information on what is considered an emergency, please visit http://www.hpb.gov.sg/emergency. Specialist consultations require a referral letter from a Panel GP, and must be referred to a specialist on the Shenton Insurance Panel or at a Singapore Government Restructured Hospital (GRH) (which includes NUH specialists). Annual Limit Should actual expenses exceed the annual limits, the excess amount will be deducted from your payroll.

Specialist Services

IN CASE OF EMERGENCY (i) Visit the nearest hospital Accident & Emergency (A&E) department for medical attention. (ii) A&E bills are reimbursed at up to S$70 per visit, regardless of which Outpatient Plan the employee has selected. (iii) In the event a specialist is called to the A&E department for consultation (no resulting hospitalisation or day surgery), the specialist fees will form part of the total A&E bill.

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(iv) In the event of hospitalisation or day surgery, these will be considered as inpatient expenses, and the benefits under your selected Inpatient Plan will apply. (v) For more information on what is considered an emergency, please visit: http://www.hpb.gov.sg/emergency b) Inpatient Plans (Hospitalisation & Day Surgery) Employees and their insured dependants may claim for hospital expenses, subject to the ward and benefits limits of their chosen plan. Employees have a choice of 4 Inpatient Plans, as listed in Table B. Table B:
Description Inpatient Room & Board Room & Board ICU Misc. Hospital Services Surgical Benefit Surgical Implants Ward C Ward B2 Ward B1 Ward A Plan 1 Plan 2 Plan 3 Plan 4

Room & Board (inclusive of ICU), up to 90 days per disability Employee Co-Insurance

10% Co-insurance of total eligible claims for Singapore

Government Restructured Hospitals (includes National University Hospital) Mount Elizabeth Hospital, Parkway East Hospital and other Private Hospitals

20% co-insurance of total eligible claims for Gleneagles Hospital,

Dependant Co-Insurance

20% Co-insurance of total eligible claims for Singapore

In-Hospital Consultation

Government Restructured Hospitals (includes National University Hospital) Mount Elizabeth Hospital, Parkway East Hospital and other Private Hospitals S$30,000 S$40,000

30% Co-insurance of total eligible claims for Gleneagles Hospital,

Limit for Any One Disability7 Accidental Dental Treatment8

S$20,000

S$45,000

Up to S$500 per year, subject to Specialist Services and Inpatient copayment of selected Outpatient and Inpatient plans respectively

Chronic Outpatient Benefits (COB) Chemotherapy and Radiotherapy Renal Dialysis9 Annual COB Limit10 Subsidised Price Tag Per Individual (excl GST) S$20,000 S$60 As charged, subject to Specialist co-payment of selected Outpatient plan As charged, subject to 30% co-insurance S$30,000 S$80 S$40,000 S$120 S$45,000 S$140

Notes: 7 Limit for Any One Disability "Any One Disability" shall mean all disabilities arising from the same cause including any and all complications therefrom, except that after 28 consecutive days following the last discharge from a Hospital, a subsequent disability from the same cause shall be considered a new disability.

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Accidental Dental Treatment Refers to both inpatient and outpatient dental treatment needed to restore or replace sound natural teeth damaged or lost as a result of an accident, at the A&E department of a Hospital or a clinic within 24 hours following such accident. Expenses incurred as a result of follow-up visits to the same doctor are also covered, provided that these are incurred within 31 days of the accident. Renal Dialysis Co-insurance not applicable for insured individuals diagnosed with kidney failure before 1 May 1996. Annual Chronic Outpatient Benefits (COB) limits Limits are applicable per insured individual per Plan Year.

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(i) Upgrade of Inpatient Plans Employees are provided with ward entitlements based on their job grades and may choose to upgrade to a higher ward level. However, employees should note that plan upgrades can only be done one level at a time and is subject to underwriting by Shenton Insurance (proof of good health is required). The table below reflects the applicable Price Tags for the upgraded Inpatient Plans:
Price Tag Subsidised Price Tag (excl GST) Upgrade from Plan 2 (Ward B2) to Plan 3 (Ward B1) S$271 Upgrade from Plan 3 (Ward B1) to Plan 4 (Ward A) S$314

(ii) Upgrade of Ward upon Hospital Admission If an insured individual opts to stay in a higher ward than that of his/her selected Inpatient Plan, he/she will be required to pay the difference in total bill between the upgraded ward bill and the eligible ward bill (based on equivalent of Singapore General Hospital (SGH) rates), in addition to the applicable co-payment of the actual total bill. E.g. Total bill under selected ward (B2) Total bill for ward admitted into (B1) : $4,000 : $7,000 $7,000 - $4,000 = $3,000 10% of $4,000 = $400 a) + b) = $3,000 + $400 = $3,400

a) Difference in total bills : b) Applicable co-payment on B2 bill (at 10%) : c) Total bill to be borne by employee :

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(iii) Downgrade of Ward upon Hospital Admission - Cash Back Allowance Benefit If an insured individual is hospitalised in a Singapore Government Restructured Hospital (GRH) and stays in a ward lower than that of his/her selected Inpatient Plan, he/she will be given a Cash Back Allowance Benefit, subject to a maximum of 45 days per disability. The Cash Back Allowance is indicated in the table below: Cash Back Allowance Per Day Insured under Ward A Insured under Ward B1 Insured under Ward B2 Admission to Singapore Government Restructured Hospital Ward B1 S$40 NA NA Ward B2 S$80 S$40 NA Ward C S$120 S$80 S$20

Important: Only Singaporeans and Singapore Permanent Residents (PRs) are entitled to this Cash Back Allowance. (iv) 24 Hour Worldwide Inpatient Coverage An insured individual is covered for inpatient treatment due to Injury or Illness while he/she is outside the Republic of Singapore, provided the benefit payable is limited to the actual charges or the Necessary and Reasonable Charges for such treatment in Singapore Government Restructured Hospitals (GRH) whichever is the lower and subject always to the inpatient limit as set forth in the Benefit Schedule. Medical reports (if required) and supporting documents for claims are to be submitted in English and at the insured individuals expense. c) General Limitations and Exclusions

Limitation When an insured individual is entitled to benefits payable under Workmens Compensation Law or similar legislation, other group or individual insurance, the benefits payable under this Policy shall be limited to the balance of charges not covered by benefits payable under the Law or similar legislation, and other insurances or that calculated from the Benefit Schedule, whichever is lesser. Diagnostic Test for Human Immunodeficiency Virus (HIV) Infection Benefits shall cease to be payable for an insured individual who, contrary to the recommendation of a Physician, refuses to give his consent to undergo diagnostic tests for HIV infection; such cessation to take effect from the date of the insured individuals first refusal to undergo the recommended diagnostic tests.

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Medishield If benefits are payable under this Policy in respect of expenses incurred by an insured individual which has been partly or fully reimbursed under the Medishield scheme administered by the Central Provident Fund (CPF) Board of the Republic of Singapore, then Shenton Insurance shall pay part or all of the benefits to reimburse the CPF Board for payments made under the Medishield scheme to reinstate partially or fully the claim limits of the insured individual under that scheme in accordance with legislation or regulations governing that scheme. Exclusions No benefit shall be payable for treatment related to or complications arising from any of the following occurrences: a) All Pre-Existing Conditions as defined in this Policy. Pre-Existing Conditions shall mean any medical conditions of an insured individual for which have: a) been diagnosed; or b) symptoms existed that would cause an ordinary prudent person to seek diagnosis, care or treatment; or c) medical treatment was recommended by a Physician, irrespective of whether treatment was actually received during the 5 year period prior to the Effective Date of insurance of the insured individual or, if insurance is subsequently reinstated, the date of reinstatement of insurance of the insured individual. b) Sleep disorders, psychiatric, psychotic, mental or nervous disorders, including neuroses and their physiological or psychosomatic manifestations (except as outpatient treatment by Singapore GRH specialists); drug addiction or alcoholism; attempted suicide while sane or insane; self-inflicted injuries or injuries sustained as a result of a criminal act of the insured individual; rest cures, sanitaria care or special nursing care; Acquired Immunodeficiency Syndrome (AIDS), AIDS related complex, HIV infection or any type of sexually transmitted disease; any communicable disease requiring isolation or quarantine by law. Routine physical examinations, health check-ups or tests not incident to treatment or diagnosis of an actual Illness or Injury; any treatment which is not medically necessary; plastic surgery or cosmetic treatment (except due to Accidents); counselling; speech therapy; treatment for obesity, weight reduction or weight improvement; precautionary and preventive care; immunisations; lifestyle enhancement; procedures not generally recognised as standard medical practice such as hydrotherapy, chiropractic, foot reflexology, podiatry, experimental treatment and procedures under investigation (except designer/experimental drug prescription on endorsement of Shenton Insurance's medical director subject to medical efficacy); any form of dental and oral care, treatment or surgery (except if procedure is necessitated by damage to sound natural teeth as a result of an Accident occurring during the period of insurance); eyesight correction or treatment; treatment for alopecia; treatment for acne; health supplements, vitamins unless a insured individual is diagnosed as vitamin deficient by a physician, and over-the-counter (OTC) drugs except if classified as a medicine by the Health Science Authority and medically necessary to treat a covered condition; Positron Emission Tomography (PET) scan; charges for telephone, newspapers and other ineligible non-medical items (except GST charged by the Hospital or Physician). Procurement or use of prostheses, corrective devices, dialysis machines (except the use of dialysis machines for Renal Dialysis treatment), medical appliances including Page 9 of 28 January 28, 2013

c)

d)

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SingTel HR Policy Medical Benefits

spectacles, hearing aids, aero-chambers, wheelchairs, and implants including lenses (unless medically required); acquisition of artificial heart and mono-or bi-ventricular devices and all costs relating to cornea, bone marrow, muscular, skeletal or human organ or tissue transplant from a donor to a recipient; organ transplant; stem cell support therapy; treatment following brain death; nucleoside analogue; interferon and other biological response modifiers. e) Pregnancy (including diagnostic tests for pregnancy), miscarriage (except due to an Accident), childbirth, circumcision (unless recommended on medical reasons), tests to do with and treatment for impotence, sub-fertility and infertility, charges for abortion (unless recommended on medical reasons) or sterilisation, and contraception. Congenital anomalies or genetic defects of the insured individual present at or existing from the time of his birth regardless of the time of discovery of such anomalies or defects and the time of such treatment or surgical procedure for the same, and developmental abnormalities. Neonatal services. Transport for trips made for the purpose of obtaining medical treatment except Emergency ambulance services (to the Hospital). House calls; second opinion unless upon prior approval from Shenton Insurance. Injuries or sickness arising directly or indirectly from insurrection, war or act of war (whether declared or undeclared), direct participation in strikes, riots or civil commotion, or full-time service in any of the armed forces including National Service under Section 10 of the Enlistment Act, Cap. 93 of the Republic of Singapore except National Service reservist duty or training under Section 14 of the Enlistment Act, Cap. 93 of the Republic of Singapore. Treatment for Injury or Illness arising from engagement in hazardous sports, including but not limited to mountaineering, polo-playing, hunting, racing of any kind, winter sports, parachuting, water-skiing and sub-aqua pursuits. Treatment performed wholly or partially outside the Republic of Singapore (unless specified in the 24 Hour Worldwide Inpatient Coverage benefit as included).

f)

g) h) i) j)

k)

l)

Flexi Medical Scheme Selection and Utilisation a) Plan Selection (i) Annual Plan Selection For Existing Staff An annual plan selection exercise takes place around January / February for employees to: Purchase coverage for their eligible dependants11; Upgrade/Downgrade their outpatient and inpatient medical plans12. However, any future plan upgrades can only be done one level at a time, and will be subject to underwriting by Shenton Insurance (proof of good health is required). Once a selection has been made, employees are not allowed to change their medical plans until the following annual selection exercise.

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If no selection has been made, employees will be automatically enrolled on the default plan or their selected plans in the previous Plan Year. This allows the Company to ensure a basic medical coverage is provided for all employees. Notes: 11 Dependants must be covered on the same plan as the employee, except in the case where the employee was previously certified with a chronic condition as at 11 Aug 2006.
12

Any insured individual who is currently covered under Outpatient Plan 5 is not eligible to downgrade his/her Outpatient Plan. The same applies for his/her insured dependants.

(ii) Plan Selection for New Hires A new hire will be allocated pro-rated Flex Points from his/her date of commencement with the Company. He/She has 3 weeks to make his/her plan selection. If no selection is made during the enrolment period, he/she will be place on the default plan listed in Table C. Table C: Employee Profile SO and above JO

Outpatient Plan Plan 3 Ward A

Inpatient Plan Ward B1 or B2, depending on job grade

(iii) Plan Selection for Employees with Spouse working in SingTel Where an employee has a spouse working in SingTel, both individuals will be considered as individual employees for points allocation and plan selection. If an option is made to cover the wife as a dependant, the employee should notify Shenton accordingly. Flex and HSA Points will be allocated based on the above decisions. In any case, the children of the couple will be tagged as dependants under their father. (iv) Changes During the Year Change in Marital and/or Dependant Status Employees may include or remove their dependants for coverage during the Plan Year, only under the following circumstances: Change in marital status13: To add a dependant (e.g. upon marriage) or withdraw a dependant (e.g. widowed, separated or divorced). Change in dependant status14: To add new eligible dependants under his/her current selected plans (e.g. newborn). Employees who had joined the Company before 1 October 2006 and have a change in eligible dependant status (i.e. new spouse/child) will be eligible for pro-rated Flex Points for their dependants from date of enrolment. Notes: 13 Change in Marital Status CONFIDENTIAL Page 11 of 28 January 28, 2013

SingTel HR Policy Medical Benefits

For employees, who wish to withdraw any dependants due to change in marital status (e.g. widowed, separated or divorced), premium refund will be done on a pro-rated basis.
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Change in Dependant Status To take up coverage for newborn, this has to be taken up within a 30-day eligible period from date of birth. If an employee has not opted to cover his/her child within the eligible period, he/she will only be able to cover the child at the next annual plan selection exercise. If the employee has already insured his/her first child, all subsequent children will be automatically included. Administration procedures need to be observed.

Promotion For an employee who is promoted during the Plan Year, additional Flex Points (if applicable) shall be allocated on a pro-rata basis, with effect from his/her date of promotion. Similarly, he/she shall be entitled to the higher hospital ward entitlement (if applicable), in the event of any hospitalisation. A re-selection of medical plans can be made at the next annual plan selection exercise. If no selection is made at that time, he/she will be defaulted to the new ward entitlement. b) Flex Points & HSA Points Utilisation Employees may select their medical plans according to their allocated Flex Points. In general, sufficient Flex Points are allocated for employees to purchase their default plans (1 Flex Point = $1 Price Tag). The following outlines the scenarios if an employee selects a plan above or below his/her allocated Flex Points. Price Tag of Selected Plan > Allocated Flex Points In the event the total Price Tags of the selected Outpatient and Inpatient plans exceed the allocated Flex Points, the excess shall be deducted from the employees payroll.

Price Tag of Selected Plan < Allocated Flex Points In the event the total Price Tags for the selected Outpatient and Inpatient plans are below the allocated Flex Points, the remaining Flex Points shall be added to the employees Health Spending Account (HSA) for subsidy of GP/SP co -payment or for purchase of health-related products and services. Any unutilised Flex points can be used to subsidise the premium of the employees CPF Medisave-Approved Private Integrated Shield Plan.

c) Claimable Health-Related Products and Services During the annual redemption exercise for any balance Flex/HSA Points, employees should take note that the claimable items may be taxable.

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The following table summarises the taxable and non-taxable claimable items: Non-Taxable Claimable Items Alternative remedy products e.g. essential oils, herbal products Medical products e.g. off the shelf medicines, Panadol, Vicks Medical Appliances e.g. blood pressure monitor Health screening, vaccinations and immunizations expenses for employees and dependents Premium for employees own Medisave-Approved Private Integrated Shield Plan (claimable using only balance Flex Points, and not HSA Points) Taxable Claimable Items Maternity-related expenses e.g. diapers, supplements Nutrition products e.g. vitamins, supplements, protein powder Weight management products e.g. meal supplements Beauty products e.g. cleansers, toners, masks

Do note that food products are not claimable (e.g. chocolates, sweets, chips, etc.) d) Cessation of Employment The following table summarises the treatment of Flex & HSA Points and Price Tags already paid, in the event of an employee's cessation of employment with SingTel. Type of Cessation Resignation Retirement Treatment of Price Tags Already Paid Refund to employee on pro-rata basis

Treatment of Flex & HSA Points Forfeited automatically. HSA Points: Not pro-rated. Flex Points: Pro-rated. Employee may use combined amount for purchase of health-related products/services, and for reimbursement of SP co-payment. HSA Points: Not pro-rated. Flex Points: Pro-rated. Employee may use combined amount for purchase of health-related products/services, and for reimbursement of GP/SP co-payment. HSA Points: Not pro-rated. Flex Points: Pro-rated. Employee may use combined amount for purchase of health-related products/ services, and for reimbursement of SP co-payment. HSA Points: Not pro-rated. Flex Points: Pro-rated. Amount will be credited to employee's bank account. Forfeited automatically. Recovery made for any excess Flex Points used. Page 13 of 28

SRS, SOS

Medical Board Out

Death in service Dismissals

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SingTel HR Policy Medical Benefits

While serving notice of resignation, an employees medical coverage will continue. However, cash payments shall be required for all treatments, which can be claimed thereafter according to the current claims process. Factors to Consider when Selecting Your Medical Plans Plan Selection should be treated seriously, as having adequate medical coverage protects an individual employee and his/her dependants against the serious financial consequences of a high hospital bill. If medical coverage is inadequate, an individuals savings and CPF Medisave account may be quickly depleted. Do consider the following: a) The level of comfort and quality of medical treatment you expect. E.g. what class of ward would you or your dependants prefer, should hospitalisation be necessary? You should choose an insurance plan that allows you to stay in your choice of ward. If you choose a low ward entitlement now but later decide to stay in a higher class ward upon admission, you will have to pay a room-jumping penalty, which will cost more than what you have to pay now to upgrade your plan. b) If your dependants have any other medical coverage and whether these are portable, and offer lifetime coverage. c) If you or your dependants need regular medical care: If yes, you will need to protect yourself from high medical bills. You should not downgrade your current benefits plan since future upgrades of plan will be subjected to the insurer's approval based on your health status. If no, you will need coverage to pay for your expenditure for occasional visits to the doctor. Of course, there is always the risk that a condition develops in the middle of a Plan Year and your coverage will be insufficient if you had already made a previous downgrade. d) How much you will need to cover hospital bills (which are large and occasional) vs. outpatient bills (which are smaller but more frequent). Planning for Your Long-Term Healthcare Needs (through Basic Medishield, or CPF Medisave-Approved Private Integrated Shield Plans) Employees who currently do not have a CPF Medisave-Approved Private Integrated Shield Plan are strongly encouraged to view this short presentation on Planning for Your Long Term Healthcare Needs. To launch the presentation, click on the hyperlinks below: Intranet: http://learning.app.vic/eCourse/Flexi_Medical_Scheme/module2/player.html Internet*: https://learning.singtel.com/eCourse/Flexi_Medical_Scheme/module2/player.html *For internet access, please login as SingTel\<your email ID> under the User Name.

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Procedures a) Enrolment of Medical Plan The following is the step-by-step approach for plan enrolment: Step 1: Go to https://www.myhealthwallet.com and enter Login ID and password. Step 2: Click Flexi-Medical Plan Enrolment to choose the dependants to enrol. Step 3: Click Continue to choose benefits. Step 4: Click Continue to review and confirm choices. Step 5: Click Confirm and print the Acknowledgement Page. Step 6: If an employee is required to complete the Health Declaration Form, he/she should print, complete and sign the form. He/She may submit the form at drop boxes located at any one of the following: Comcentre: Basement 2 Clinic Pickering Operations Complex (POC): Lobby Serangoon North: Lobby Singapore Post Centre: Shenton Medical Group, #B1-01 Employees may view further details in the following Online Enrolment User Guide. b) Use of Medical Card for Cashless Services Employees are given a medical card by Shenton Medical Group, which is to be presented during his/her visit to a Panel GP/SP to enjoy cashless services. Employees may be asked to provide additional verification of identity. Employees are not required to co-pay for each visit at a Panel GP/SP clinic, as this will be deducted from the employees HSA/Flex Points (if applicable) or his/her payroll. If the employee does not have his/her medical card during the Panel GP/SP visit, he/she shall be required to pay for the entire bill upfront. The employee may then submit his/her claim according to the claims process. c) Specialist Referral Employees are required to obtain a referral letter from a Panel GP before visiting a Specialist. The specialist must be on the Shenton Insurance Panel or from a Singapore Government Restructured Hospital (includes NUH specialists). As the referral letter is typically retained by the Specialist, employees should make a copy of the referral letter for claim submission later on. d) Inpatient Admission Event Prior To Hospital Admission / Day Surgery Process Request for Letter of Guarantee (LOG) for the purpose of waiving the deposit with the Inpatient Admission Authorisation (IAA) Form issued to you by hospital Fax the IAA form to Shenton Insurance at 6836 6006 and call Shenton at 6280 2889 to obtain a copy of the LOG for reference Upon approval, Shenton will issue the LOG to the hospital within 3 to 7 working days Page 15 of 28 January 28, 2013

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SingTel HR Policy Medical Benefits

Upon Hospital Admission

Upon Discharge from Hospital

Complete the Medisave Withdrawal Form to authorise deductions from your Medisave account Activate Medishield/Private Shield Plan at the hospital for the co-payment portion or excess amount not covered by Shenton Insurance For emergency admission, show your Shenton card and LOG can still be arranged with Shenton Insurance during your hospital stay The hospital will bill the balance hospital charges (after Medisave deduction) to Shenton Insurance if an LOG had been obtained. The hospital will send you a copy of the invoice If there is no LOG arrangement, submit your claim according to the claims process.

Notes: a) For outpatient renal dialysis or cancer treatments at Singapore Government Restructured Hospitals (GRH), an LOG can be arranged upon request. b) An LOG would not be issued for conditions which are excluded e.g. pre-existing conditions, transplants, etc. c) In general, the quantum which the LOG covers would either be based on the estimated cost of the treatment or the remaining amount of the staff's limits, whichever is lower. e) Claims & Reimbursements / Recoveries As a guide, you are advised to submit all your claims within 3 months from the date of visit. Outpatient Claims GP SP Inpatient Claims Hospitalisation / Day Surgery Final original hospital invoice Discharge Summary (request upon discharge); or Inpatient Admission Authorization (IAA) Form - with indication of diagnosis; or Doctor's memo/report (may be chargeable and at employees own expense) Maternity Benefit Final original invoice Child birth certificate (Please scan to HR Benefit Unit)

Supporting documents needed, in addition to Medical Reimbursement Claim Form: Original bill/receipt For TCM, diagnosis and prescribed medicine items issued by the TCM Practitioner For visits to JB Panel GPs, employees are to present the Shenton card, pay for the visit and submit a claim for reimbursement thereafter (prevailing exchange rate based on Singapore Custom Currency Conversion rate will be referred for claims processing). Panel GP referral letter Final original invoice

Submit the completed form and supporting documents at any of the Drop Boxes indicated below. Comcentre: Basement 2 Clinic Pickering Operations Complex (POC): Lobby CONFIDENTIAL Page 16 of 28 January 28, 2013

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Serangoon North: Lobby Singapore Post Centre: Shenton Medical Group, #B1-01

Reimbursement Dates Reimbursements will be through GIRO or Payroll. The reimbursement process will be within 2 to 4 weeks from date of receipt. These shall be credited into the employees bank account on the 15th or 30th of each month. The employee shall receive a payment advice from Shenton, detailing the breakdown of the reimbursements. For reimbursements via payroll, the reimbursement schedule is as follows: Claims submitted on or before 25th of the month: Reimbursement through the following month's payroll Claims submitted after 25th of the month: Reimbursement through the subsequent month's payroll

Reimbursement / Recovery Process All reimbursements and recoveries shall be made into/from the following. Type of Claims GP Specialist Inpatient Maternity Benefit HSA Recover From Payroll Payroll Payroll NA Payroll Reimburse Into Bank Account (via GIRO) Bank Account (via GIRO) Bank Account (via GIRO) Payroll Payroll

f) Medical Portal - My Health Wallet Employees have access to the My Health Wallet portal http://ww.myhealthwallet.com to view details of their medical plan entitlements, allocated and utilised Flex and HSA Points, and medical claims. The list of Panel GP clinics and their locations, operating hours, etc. are also available on the portal. g) Hotline Numbers Employees may contact the following: For questions on medical policy: Shenton Hotline 6280 2889 or singtelbenefits@parkwayshenton.com (operational during office hours) Respective Business HR Manager For basic medical advice: Shenton Medical Care Hotline (24-hour) 7000-743 6866 CONFIDENTIAL Page 17 of 28 January 28, 2013

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Frequently Asked Questions (FAQs) a) GENERAL 1. Who is our Medical Insurer/Provider? Our medical insurance and health provider is Shenton Insurance Pte Ltd (SIPL) and they are located at: Address is 20 Bendemeer Road #01-09/10 Singapore 339914. 2. When will my dependants and I receive our Healthcare Benefit Card? You will receive your Healthcare Benefit Card within one month from the date of enrolment of the medical plan. b) OUTPATIENT PLANS General Practitioner (GP) 1. Where can I go to seek GP consultation & treatment? You may visit any of the clinics on the panel or Government Polyclinics. For a full list, please login to http://www.myhealthwallet.com. If you visit a non-panel GP, the reimbursement is subject to the limits per your selected Outpatient Plan. 2. Do I have to co-pay for GP consultation & treatment? Yes, you will need to co-pay for panel GP or Government Polyclinics. The co-payment shall be in accordance to the medical plan that you have selected. You may use HSA Points to offset for co-payments. You are also required to co-pay for visit to non-panel GP clinic. However, you are required to pay the amount at the clinic and submit your claim for reimbursement. In the event that you do not have sufficient HSA, the co-pay amount will be deducted from your payroll instead. 3. What is defined as a follow-up visit at panel clinics for GP treatment? A follow-up visit occurs when you return to the same panel clinic (even though you may be seen by a different doctor from the same clinic) within 7 days from the initial consultation and with the same diagnosis. In this case, no co-payment is necessary. Do note that subsequent visits (ie. third visit onwards) are not considered as follow-up visits. In addition, routine check-ups (eg. regular visit for high blood pressure) and repeat visits to polyclinics are not considered as follow-up visits. 4. Is there also a limit to the number of GP visits which I can claim? There is no limit to the number of GP visits but the total dollar value claimable will be capped by the annual limits of your selected Outpatient Plan. If your dependants are CONFIDENTIAL Page 18 of 28 January 28, 2013

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covered under the medical scheme, please note that you and your dependants will have a separate annual limit each. 5. If I have fully utilized my annual limit, can I make use of my dependants annual limit? The annual limits for you and your dependants are non-transferrable. Hence, you are not allowed to use the annual limit of your dependants should you fully utilize your own annual limit. Traditional Chinese Medicine (TCM) 1. I understand that the outpatient scheme allows for claims to be made for consultations with Traditional Chinese Medicine (TCM) practitioners. Is there a limit to the number of visits per year? The number of outpatient visits you may claim for TCM consultations is limited to 5 per year for yourself. If your dependants are insured, the combined TCM visits by your dependants would be limited to a total of 5 per year. 2. Why is there a limit to the number of TCM visits per year? TCM coverage is not widely provided by employers in Singapore. Where provided, it is common to have a limit for such alternative treatment visits. 3. How can I find out which are the recognized TCM clinics? Recognized TCM clinics are those which are registered with the TCM Practitioners Board. The list is available at http://www.tcmpb.gov.sg/tcm/. 4. Can my TCM claims be drawn down from my Health Spending Account (HSA) points? Your TCM claims will draw down the annual limits of the Outpatient Plan that you have selected, rather than your HSA Points. This is because TCM claims are managed on a reimbursement basis and do not require any co-payment. (Note that HSA Points are allocated specifically to defray the co-pay portions of your outpatient visits.) 5. Will Medical Certificates (MCs) issued by TCM clinics be recognized? MCs issued by TCM clinics will not be recognized. Specialist (SP) 1. When are co-payments not applicable to Specialist visits? You will not be required to make a co-payment if you have been asked to return to the Specialist clinic but no consultation with the specialist was made eg. for follow-up visits on separate occasions for the same diagnosis*, for laboratory investigations or for the purchase of drugs prescribed by the specialist. *Exception For those undergoing physiotherapy, co-payment is required.

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2. Do I need a fresh referral letter each time I visit the specialist? If you are seeing a panel specialist for follow-up visits, you are not required to get a fresh referral letter for each visit. However, if the visit is for a different medical condition, then you are required to get a fresh referral letter. 3. I have just joined SingTel. I have been seeing a specialist who is not on the panel. Can I continue to see this specialist? No, you may only see a specialist on the approved panel, if you wish to have your expenses covered. 4. I have a young baby. Can I claim for visits made to a paediatrician? As paediatricians are considered as specialists, you may only claim for such visits provided that a referral from a panel GP clinic has been obtained. 5. How will I know if I have reached the annual GP or Specialist limits of my selected plan? Shenton will send you an email or letter when your utilization reaches 25%, 50%, 75% and 100% of your annual limit. Upgrade and Downgrade of Outpatient Medical Plan 1. Can my dependants and I opt to be on different Outpatient Plans from each other? If no, why not? In line with the insurance market practice, your dependants and you must be on the same Outpatient Plan ie. if you are on Outpatient Plan 3, your dependants must also be on Outpatient Plan 3. 2. Why am I not able to opt for a different Outpatient Plan when those under Outpatient Plan 5 can opt to cover their dependants under Outpatient Plan 4? Employees and/or dependants who were certified with a chronic condition in 2006 were defaulted to Outpatient Plan 5. This includes their insured dependants who were not certified with any chronic condition. With effect from 1st April 2011, those in Outpatient Plan 5 but were not certified with chronic condition will be defaulted to Plan 4. This is a refinement in plan administration as the benefit levels for both Outpatient Plan 4 and Plan 5 are the same. 3. I was not certified with any chronic conditions in 2006 and had made an option to be on Outpatient Plan 3. However, in recent years, I have developed a chronic condition. Can I opt to upgrade my outpatient plan to Plan 4 or Plan 5? All plan upgrades are subject to underwriting by the insurance company. You will be subject to review by the insurance company if you wish to upgrade to Outpatient Plan 4. Outpatient Plan 5 is only applicable to a specific group of employees already certified with a chronic condition as at 2006. At SingTel, we partner with Parkway Shenton to offer a Chronic Disease Management Program for employees with chronic conditions such as high blood pressure, high CONFIDENTIAL Page 20 of 28 January 28, 2013

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cholesterol and diabetes. This program provides consultation and education to help affected individuals to better control and improve their medical conditions. All costs relating to this program are absorbed by SingTel except for co-payment of outpatient visits and any medical expenses exceeding your selected plan limits. If you would like to benefit from this program, you may contact our Care Coordinator, Dr Khin, for an appointment: E-mail: khin_khin_swe_myat@parkwayshenton.com Mobile: +65 96480072 (Mondays to Fridays, excluding Public Holidays: 0900 - 1700 hrs) Your participation will be treated in strict confidence and will be known only to Parkway Shenton. c) INPATIENT PLANS AND CHRONIC OUTPATIENT BENEFITS (COB)

1. Which are the Government Restructured Hospitals and Private Hospitals in Singapore which I can visit? You may visit one of the following hospitals. Singapore Government Restructured Hospitals Alexandra Hospital Changi General Hospital Communicable Disease Centre Institute of Mental Health Jurong Medical Centre Khoo Teck Puat Hospital KK Women's & Children's Hospital National Cancer Centre National Heart Centre National Neuroscience Institute National Skin Centre National University Hospital Singapore General Hospital Singapore National Eye Centre Tan Tock Seng Hospital Private Hospitals Mount Elizabeth Hospital Gleneagles Hospital Parkway East Hospital Mount Elizabeth Novena Hospital Mount Alvernia Hospital Thomson Medical Centre Raffles Hospital

2. How will I know what my hospital expenses are, and the amount deducted from my Medisave Account? You should receive a copy of the bill from the hospital, and a letter from CPF Board advising you of the maximum deductible amount from your Medisave Account. In the event that the amount deducted from your Medisave account is more than your co-pay portion, Shenton Insurance will make the necessary reimbursements of the excess into your Medisave account. 3. I noticed that there are 2 types of limits shown under the inpatient scheme (i) Inpatient Per Disability Limit and (ii) Annual Chronic Outpatient Benefit (COB) Limit. What is the difference between the two? The key difference between the 2 types of inpatient limits is that the Inpatient Per Disability Limit applies for inpatient treatment (e.g. appendectomy, dengue fever, etc.) CONFIDENTIAL Page 21 of 28 January 28, 2013

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while the Annual COB Limit applies specifically to chemotherapy, radiotherapy and renal dialysis treatments, which are typically conducted on an outpatient basis. 4. Am I eligible for the Chronic Outpatient Benefit (COB) limit if I was not certified with any chronic condition in 2006? The COB limit is applicable to ALL employees specifically for chemotherapy, radiotherapy or renal dialysis treatments, as needed. 5. How will the Per Disability Limit affect me if I have more than one hospital admission for the same condition? If you are admitted twice for the same condition, and the 2 nd hospital admission occurs more than 28 days after the discharge date of your 1 st hospital admission, it shall be treated as another disability ie. your 2nd hospital claim shall count towards a new limit. d) MEDISAVE-APPROVED PRIVATE INTERGRATED SHIELD PLANS 1. Why do I need to take up my own Medisave-Approved Private Integrated Shield Plan? We encourage you to review your own needs to ensure that you have adequate insurance to cover continuous long-term healthcare needs, even beyond your employment with SingTel. It is important that you do so before you develop any preexisting conditions that might affect your eligibility for medical insurance coverage. A personal Medisave-Approved Private Integrated Shield Plan offers the following benefits: (a) Portability; (b) Lifetime coverage; and (c) Coverage for medical expenses on an As charged basis. Illustration: Most Singaporeans are covered with basic Medishield, which helps cover up to 80% of Class B2/C hospital bills. If you plan on being admitted into private hospitals, or into Class A/B1 wards of Singapore Restructured Hospitals, you need to enhance your basic Medishield plan by taking up a personal Medisave-Approved Private Integrated Shield Plan. 2. If I take up a personal Medisave-Approved Private Integrated Shield Plan, how can I minimise the duplication of coverage? You will be given the option to downgrade your company Inpatient Plan to purchase a Medisave-Approved Private Integrated Shield Plan with your available Flex Points. Even if you take up a personal Shield Plan, the company wants to assure at least a basic level of medical coverage while you are employed with us. Please ensure that your Medisave-Approved Private Integrated Shield Plan is approved by your Shield insurer before you downgrade from your current company Inpatient Plan. 3. Instead of downgrading my Inpatient Plan, can I choose not to be covered by the company plan at all, and use all my Flex Points to pay for my MedisaveApproved Private Integrated Shield Plan premiums instead?

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The company plan requires that you maintain a basic level of coverage at a minimum. Hence, you cannot be excluded totally from the company plan. 4. How many Flex Points can I get when I downgrade my company plan to buy the Medisave-Approved Private Integrated Shield Plan? This will depend on the Flex Points allocated to you for your Inpatient Plan vs. the Inpatient Plan that you eventually opt for. You will be able to see your Flex Points balance at the MyHealthWallet portal during plan selection. 5. Why is it that my Medisave-Approved Private Integrated Shield Plan premiums can only be claimed from my balance Flex Points, and not from my balance HSA Points? Flex Points are allocated to help you purchase outpatient and inpatient medical coverage, while HSA Points are allocated to defray the co-payments of your outpatient visits. Hence, Medisave-Approved Private Integrated Shield Plan premiums can only be claimed from the balance of your Flex Points. 6. Is there a particular best or recommended Medisave-Approved Private Integrated Shield Plan? The Medisave-Approved Private Integrated Shield Plans offer similar coverage with the following features: Guaranteed renewable, up to lifetime; and Claims on an as-charged basis. You should take into consideration the various benefits, affordability and sustainability of the Shield Plan alternatives before you make your final decision. 7. I am interested in buying Riders (or additional cover) for the deductibles and co-insurance of my Medisave-Approved Private Integrated Shield Plan. Why do I need to pay for the premium of these riders through cash and not through Medisave deductions? Payment in cash is a regulatory requirement for such products. 8. If I am currently covered by a Medisave-Approved Private Integrated Shield Plan, can I still change my Shield Plan insurer? To switch from one insurer to another, you are required to declare your health status for underwriting. If you have developed pre-existing medical conditions, you may not be covered by the new insurer. We do not encourage you to switch insurers if you have pre-existing conditions. Please consider your available options carefully. 9. If I have a medical claim, do I claim from the Medisave-Approved Private Integrated Shield Plan first or from the company plan? You should make your claim against the company plan first. The remaining balance may be claimable from your Medisave-Approved Private Integrated Shield Plan. Do declare the details of your Shield Plan to the hospital at admission. e) FLEX / HEALTH SPENDING ACCOUNT (HSA) POINTS AND PRICE TAGS

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1. How are Flex/HSA Points and Price Tags determined? Flex Points are allocated so that you can purchase your Outpatient and Inpatient Plans. On the other hand, HSA Points are given to defray outpatient co-payments and for purchases of specified health-related products and services at the end of each medical plan year. As SingTel subsidises the medical insurance premiums, the allocated Price Tags for the Outpatient and Inpatient Plans represent only a share of the actual medical insurance premiums paid each year. 2. Will Flex/HSA Points and Price Tags be refreshed every year? Flex/HSA Points and Price Tags are subject to review each year as medical premiums tend to increase each year due to medical inflation. Therefore, Flex Points will be reviewed to ensure that you have sufficient points to purchase your medical plans according to your entitlements. Any changes will be shared with you prior to the start of your medical plan selections. 3. I was defaulted to Outpatient Plan 4 as one of my insured dependants was certified with a chronic condition as at 2006. Given that the Price Tag for Outpatient Plan 4 is higher than the Price Tag for Plan 5, how will this affect my Flex Points allocation? There is a difference of 25 points for the Price Tags of Outpatient Plans 4 and 5. To ensure that you have sufficient Flex Points to be covered under Plan 4, you will be given an additional 25 Flex Points. 4. If I have not used up all of my Flex/HSA Points at the end of the medical plan year, can this be automatically credited into my Medisave account or into my payroll instead of my having to make a claim against purchases of approved health-related products and services? We will credit the unused Flex Points into your Medisave account if you are claiming for your Medisave-Approved Private Integrated Shield Plan premium. Please note that any unconsumed Flex or HSA Points will be forfeited if you did not make claims during the annual redemption period. f) MEDICAL PLAN ENROLMENT

1. Am I allowed to enrol / make changes to my medical plan selection at any time during the medical plan year? Medical plan selections are conducted annually. Once you have selected your plan, you will not be able to make any changes during the medical plan year. In February, you will be required to make your plan selections for the year ie. 1 April of the year to 31 March of the following year. 2. How do I make my plan selections? Plan selections are made online via http://www.myhealthwallet.com. More details will be provided to you when the annual plan selection exercise commences.

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3. My wife and I are both employed in SingTel. How should we cover for our child dependants during plan selection? If you wish to cover your child dependants, they will be tagged as dependants under their father. g) OTHERS 1. Who would coverage? be considered dependants eligible for medical insurance

Dependants who are eligible for medical insurance coverage is defined as follows (please note that age is determined as the age at next birthday, at the start of the Plan Year): Legal spouses below the age of 65; Unmarried and unemployed legal child who is at least 15 days old and below the age of 19 years1; Unmarried and unemployed legal child who is at least 19 years old and below the age of 25 years, where the child is registered as a full-time student in a recognized tertiary institution and financially dependent on the employee for the necessities of life. 2. Can I claim for medical costs that are incurred overseas during personal trips? You may claim reimbursement only for inpatient treatment due to injury or illness while outside Singapore. Claims can be made for up to the lower of the following, subject to the inpatient limit of your selected plan: (a) Actual charges, or (b) Necessary and reasonable charges for such treatment in Singapore Restructured Hospitals. Please note that any required medical reports and supporting documents for the claims will have to be submitted in English (charges incurred for translation and other such services are not covered under the medical plan). 3. Can I continue to be insured under my current medical plan after I retire from SingTel? Your current medical plan is taken up through your employment with SingTel and it will cease when you retire from SingTel. Nevertheless, we have negotiated with Shenton for a standard package for employees who wish to purchase personal medical insurance upon retirement. To find out more about this option, please contact Shenton at 6280 2889 or singtelbenefits@parkwayshenton.com.

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Others a) Basic Health Screening

All employees are provided with a free Basic Health Screening package in each Plan Year. The package includes the following: Medical History Physical Examination ECG Chest X-Ray Urine Analysis Lipid Profile Fasting Blood Glucose Treadmill or Mammogram (see Note 11 below) Pap Smear & breast examination for females

Note In accordance with medically recommended ages for persons without risk factors:
- Treadmill is advised for males above 40 years old, and for females above 50 years; - Mammogram is advised for females above 40 years old.

Location: Shenton Medical Group 11 Collyer Quay, #18-01 The Arcade, Singapore 049317 To Book an Appointment: 6507 9710 (Do note that the peak periods tend to be in the months of June and December. Hence, if you prefer an appointment during these months, do book your appointments early.) Health Screening for Dependants Various health screening package are made available to dependants of SingTel employees. These are: a) Health Scan I (S$45), comprising: (i) (ii) (iii) (iv) (v) (vi) (vii) Medical Examination Lipid Profile Fasting Blood Glucose Urine Analysis Electrocardiogram (ECG) Chest X-ray Pap smear at an additional S$20

b) Health Scan II (S$160), comprising: (i) Medical Examination (ii) Lipid Profile (iii) Fasting Blood Glucose (iv)Urine Analysis CONFIDENTIAL Page 26 of 28 January 28, 2013

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(v) Electrocardiogram (ECG) (vi)Chest X-ray (vii) Choice of: Mammogram and Papsmear OR Treadmill Location: Shenton Medical Group 11 Collyer Quay, #18-01 The Arcade, Singapore 049317 To Book an Appointment: 6507 9710 (Do note that the peak periods tend to be in the months of June and December. Hence, if you prefer an appointment during these months, do book your appointments early.) Additional Notes: On the day of the appointment, insured individuals are to present their Parkway Shenton medical cards as a means of identification. Non-insured individuals will be required to present the completed Health Screening Form for Dependants (Spouse/Children) Form. Do note that cash payment is needed for any one of the health screening packages. Important Notes for Health Screening: 1. Fasting is required for an accurate assessment of your glucose and cholesterol levels. 2. Please postpone taking any medication until after your health screening, unless otherwise advised by your doctor. 3. As the examination includes a test of vision, please remember to bring along your glasses for distant and/or near vision.

b) Discounts
Staff and family members (including parents and siblings) who are not covered under the scheme can enjoy a discount on the following if they make cash payments: 10% for GP consultation at Shenton Medical Group or Shenton Family Medical Clinics 10% for facility charges, excluding specialist professional fee, for inpatient stay at the Parkway Group Healthcare Hospitals (namely Gleneagles Hospital, Mount Elizabeth Hospital and Parkway East Hospital). 5% discounts at selected stores such as Guardian Pharmacy. 10% discount on Walk-In Health Screening Packages at all Parkway Shenton's Executive Health Screener. 10% discount on TCM Consultation at Parkway Shenton's Integrated Medical Centre, 365 Balestier Road, ParkwayHealth Day Surgery & Medical Centre, Singapore 329784. Tel: 63057300 Parkway Shenton Ambulance Services preferential rates. Tel: 64732222 10% discount on Dental Services at Shenton Dental Group, 8A Marina Boulevard, #B2-75 Marina Bay Link Mall, Singapore 018984.

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c) Vaccinations for Official Overseas Travel

Before embarking on a business trip, you are encouraged to visit either one of the following Shenton clinics to seek advice if vaccinations / medications are needed: Comcentre Basement 2 Clinic, or Shenton Medical Group at The Arcade

You will be required to complete the Request for Vaccination Form, which is to be duly certified by your line manager.

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