Cover 165mm(w) X 225mm(h)Back Cover

Lieva Brochure 2015/12

MAXIMUM OPTIONS, MINIMUM FUSS

FlexibilityValue

Convenience

Confidence

165mm(w) X 225mm(h)

Multiple options,maximum premium savings

Comprehensive coverExtensive outpatientnetwork in Asia

GlobalHealth Asiawww.globalhealthasia.com

GlobalHealth Asia is the specialist provider of international health insurance plans that designed and administers Lieva. GlobalHealth Asia has four offices in Asia and works with onshore insurers to provide accountable, high quality cover to expats and local nationals alike. Today, it looks after thousands of people around the world, and prides itself on providing good cover at affordable premiums.

www.pti.com.vn

Post and Telecommunication Joint Stock Insurance Corporation is one of a few enterprises consistently maintaining the high growth rate and affirms the leading position in Vietnam insurance market since it was established in 1998. Owning high qualified, enthusiastic and creative staffs, PTI is recognized as a prestigious insurance company in many areas such as the top enterprise in electronic devices insurance. Through the network of 36 subsidiaries and nearly 18,000 post offices over the whole country, PTI is proud to be an insurance corporation with the largest sales and customer service network in Vietnam and commits to bring high quality insurance products and standard service to the customers.

Post -Telecommunication Insurance Joint Stock Corporation (PTI)

GlobalHealth Customer Service

+84 8 3827 0310

p t i c s@g loba lhea l t has ia . com

Lieva is an international health insurance plan that providesyou with the coveryou need throughout your life, with unparalleled choice and premium saving options.

Inside Cover

FlexibilityValue

Convenience

Confidence

1

Multiple options for maximum premium savings

Tailored cover for your needs

Modular design to provide flexibility on premium

Designed to ensure your budget and cover needsare met

Comprehensive cover

Chronic; acute illnesses and accident and emergency covered at same level

No sub-limit for cancer

Fair treatment of all conditions

Extensive outpatient network in Asia

Network steadily expandingfor over 17 years

Over 3,000 clinics in 26 cities providing cashless outpatient access

Priority access to a wide variety of clinics, doctors and specialists

Flexibility

3

1. Ernst & Young Global Consumer Insurance Survey 2012.2. Subject to approval and local regulations.

Your needs change over time. Why shouldn't your health plan adjust to your changing needs? With Lieva, we allow you to choose the cover you want and easily upgrade to higher levels of cover.

$15,000

$10,000

$5,000

Nil

$1,500

$5,000

Copay

NoCopay

Worldwide

DENTAL

Worldwideexcl. US

DEDUCTIBLES

OP1

OP2

MATERNITY

OUT PATIENT

Options

AREAOF COVER

HOSPITAL & SURGERY

Comprehensive General Base

FACT

26%of people in Asia are not confident that their insurance meets their needsbecause their needs change1.

MAXIMUMFLEXIBILITYAdd on any optional coverage

Pick any combination of coverage to match your life stage, budget and needs

Eliminate the hassle of choosing multiple plans across your lifetime

Take your plan wherever you live and work2

Each family member can have a different plan under the same policy

Value

5

MAXIMUMVALUEChoose the plan that innovates cost savings for you

Most people need between US$10,000 and

US$40,000 a year to provide adequate health insurance for their families in Asia by the time they turn 45. With high deductible cover, this can drop to between US$4,000 and US$22,000 per year.

Select from several affordable options and combinations

Be fully covered against chronic conditions

Choose from various payment modes

1. Provide a stable backing with reliable regulatory framework.

With Lieva, you can choose a high deductible and reduce your premium by over 40% a year.

INNOVATIVE COST SAVINGS

Mul

tiple

Hos

pital

and

Surg

ery o

ption

s

Onshore insurer partners1

Save on premium

s by

buying cover with a deductible

Convenience

7

FACT

34%of people in Asia Pacificare dissatisfied with their claims experience1.

Fast claims payments

Excellent outpatient network. Simply show your card to enjoy direct billing2

Direct settlement of your hospital bill

24 x 7 emergency medical assistance anywhere in the world

MAXIMUMCONVENIENCEWith customer and claims service based in Asia, using your plan has never been easier

Pay for treatment and keep receipts

Submit original receipts and completed Claim Form

GlobalHealth Asia sends

reimbursement for eligible treatments

Track claim status online

Receive treatment as

an inpatient or day patient

EASYINPATIENT

CLAIM PROCESS

0102

03

04

05

GlobalHealth is based in Asia, where you are. And with simplified claim filing procedures, you can be assured a smooth claim experience, uninterrupted by time zones.

1. Ernst & Young Global Consumer Insurance Survey 2012.2. Available for members who have outpatient benefits and

nil deductible policies.

Pre-approval and guarantee of hospital expenses also available.

9

Even with Lieva's lowest Hospital andSurgery cover option starting at just

US$3/day,you will be coveredwhen you need it most1.

FACT

Rest assured with your Lieva Hospital andSurgery cover

Full cover for private room, surgeons’ fees and general hospital expenses

Full cover for active cancer treatment

Extensive evacuation and repatriation benefits

Full cover for organ transplant

Full cover for outpatient consultations and medicine

MAXIMUMASSURANCE

1. Based on a 35 year old male with nil deductible Hospital & Surgery plan.2. Refers to General Practitioners, Specialists & medication in general.

Outpatient2 module"OP2"

PLANSUGGESTIONS

Annual DeductibleUS$1,500

Hospital &Surgery Plan

"General"A

Hospital & Surgery plan

"Comprehensive"

B

Health insurance is about protecting you and your family's future. Lieva allows you to start out small and gives you extensive cover with just a Hospital & Surgery plan.

Confidence

11

FAQsGlobalHealth Asia has served families;

individuals and corporations around the world since

1996, with a specialized focus on expatriates andlocal nationals in Asia.

FACT

Over 3,000 clinics in 26 cities providing cashless outpatient access

Offices in Hong Kong, Singapore, Shanghai, and Ho Chi Minh City

Partners with leading international insurers which are onshore and compliant with local regulations

Providing cover for local nationals and expats, group and individual policies

Q : Who will service my Lieva policy?A : GlobalHealth Asia Ltd., a specialist provider of private international

medical insurance, will provide all policy and claims administration services. GlobalHealth Asia has offices in Hong Kong, Singapore, Shanghai and Ho Chi Minh City. GlobalHealth Asia has been serving individuals, families and companies across Asia and beyond since 1996.

Q : What financial rating does Lieva have?A : GlobalHealth Asia partners with Post -Telecommunication Insurance

Joint Stock Corporation (PTI) to offer Lieva to Vietnam residents. PTl acts as the insurer of the plan, meaning your claims will be insured by PTI. PTI is fully regulated and authorized by the Ministry of Finance and related bodies.

Q : What makes Lieva different to other international plans?A : As an expatriate or local national residing in Asia, you need quick and

responsive service. GlobalHealth Asia maintains service centres across Asia to provide you with customer support wherever and whenever you need it. For Vietnam residents, Lieva is insured by a locally admitted insurer, meaning your rights as a Vietnamese client are protected by Vietnam laws. Lieva offers maximum flexibility in the form of premium and cover selections, meaning you will always enjoy quality health insurance cover while maintaining control over your budget. Lieva does not discriminate over health conditions, unlike other providers who limit chronic conditions cover.

Q : Will I be penalized if I submit a large claim?A : No. If you submit a large claim as an individual, you will not suffer any

large rating increase as a result of your claim. This plan is portfolio rated.

Q : Does Lieva impose any age limits?A : New applicants between the ages of 18 to 65 years old are welcome to

apply.

Q : How are my premiums calculated?A : Lieva published premiums are based on a healthy individual without

any pre-existing conditions. Your final premium is based on the modules you select, your gender and age at time of entry into the plan and any individual loadings at are applied at underwriting. You may choose to lower your premiums by taking an annual deductible which can reduce your premium between 20% to 45%.

inside back cover

Q : How can Lieva make my life easier?A : GlobalHealth Asia offers you complete service to manage any claim or

health condition. As a Lieva client with a nil deductible policy and outpatient benefits, you can enjoy direct billing for an eligible treatment to any clinic in our Outpatient Direct Billing Network.

Q : Will Lieva cover me when I am outside of my usual country of residence?

A : Yes. Lieva offers cover either on a worldwide basis or worldwide excluding USA. You will be covered up to the limits of your policy within your area of cover. You will also be covered for services rendered outside of your area of cover up to US$50,000 per period of insurance. Please refer to clause 4 of the Policy Terms and Conditions for additional information about the out of area cover limit. Lastly, all Lieva policies come standard with evacuation and repatriation cover provided by AA International on a worldwide basis.

Q : What are Lieva’s cover limits?A : Lieva will offer maximum cover up to US$2.5 million per year on

our Comprehensive plan. Within Lieva’s modules, all hospital, surgical, cancer treatment, organ transplants fully covered. Some treatments such as rehabilitation treatment, psychiatric care or complementary medicine do have some sub-limits which are lower or higher depending on which cover you select.

Q : Are pre-existing conditions covered?A : Lieva is a fully underwritten plan which means that a medical

questionnaire must be complete at application for all persons to be insured. Based on the answers provided in the process, some pre-existing conditions may be covered and may require a premium loading or a cap on benefits. GlobalHealth Asia believes this is a more straightforward and honest approach than offering a pre-existing “waiting period / moratorium” for which the majority of policyholders never qualify.

Q : How do I enrol?A : Please complete an application form and a medical questionnaire. A

medical questionnaire must be completed for each person to be covered by a Lieva policy. Speak with your insurance intermediary or download forms from our website www.globalhealthasia.com.

Q : Where is GlobalHealth's Vietnam office located?A : This office is located at Suite 12A, 4th Floor, Saigon Center, 65 Le Loi Street, District 1, Ho Chi Minh City, Vietnam.