> Extended scope of Coverage

We will cover the following activitives carried out for leisure only in SmartCare theOne:

• Boxing and wrestling • Snow or ice sports

• Parachuting • Hunting

• Sky diving • Pot-holing

• Bungee jumping

> Main Exclusions

• Self-inflicted injuries or any attempt threat while sane or insane • Insurrection declared or undeclared war or any warlike operations, military or naval service in time of declared or undeclared war or while under the orders for warlike operations or restoration of public order • Participation in a riot, committing an assault or felony • Participation in competitive racing on the wheels

This brochure is not a contract of insurance. For full Terms & Conditions, please refer to the Policy which isthe operative document.

AXA INSURANCE PTE LTD8 Shenton Way, #24-01 AXA Tower Singapore 068811

AXA Customer Care #B1-011800-880 4888 (Within Singapore) / (65) 6880 4888 (International)

6338 2522 www.axa.com.sg Co. Reg No. 199903512M

AXA Group in 2015• 99 billion Euros in consolidated revenues • 166,000 employees working to deliver the right solutions and top quality service to our customers • 103 million customers across the globe in 64 countries have placed their trust in AXA to: - Insure their property (vehicles, homes, equipment) - Provide health and personal protection coverage for their families or employees - Manage their personal or corporate assets• Interbrand‘s No. 1 global insurance brand for the 7th year running• Over 170 years of local experience in Asia

AXA Insurance Pte Ltd in 2015• Leading General Insurer in Singapore • Business ranking - No. 1 in Work Injury Compensation - No. 2 in Motor, Health, Engineering, Cargo

Information is correct as at Nov 2016

SmartCare theOneProtection is Simple

dna/SC TheOne/Bro/November2016

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

AXA: A World Leader in Financial Protection

> Benefits at a Glance (S$)

This is not a Medisave-approved Policy and you may not use Medisave to pay the premium for this Policy.The annual premium rates for this plan are as set out below. Please note that the premium rates are not guaranteed and we may, at our sole discretion, increase the premium rates from time to time depending on our claims experience.

Enjoy total protection with SmartCare theOne

With SmartCare theOne, you can create an immediate emergency fund to protect you and your family 24 hours a day, anywhere in the world.

> Accidental Death & Total Permanent Disablement

SmartCare theOne will pay a lump-sum of up to $2 million cash in the event of accidental death or permanent disablement. This benefit will help you and your family make the necessary adjustments to the loss of income for a period of time. Choose the plan that suits you most.

> Accidental Medical Expenses

SmartCare theOne takes care of the cost of necessary medical treatment due to accidents, including dengue fever, food and drinks poisoning. It covers hospitalization and clinical treatment, wherever you are. In addition, if you choose alternative treatments, this plan also covers Chinese medication, services of a bonesetter, chiropractor and physiotherapist.

> Family Discount

Sign up together with your family to enjoy 20% discount off their premium! Protect your spouse with any of our Personal Accident plans and your children can also enjoy the same discount under SmartCare Prime or SmartCare Shield plans!

> No Claims Discount

You will enjoy 20% discount off your standard renewal premium if you did not make any claim for each three consecutive years.

> 0% Interest Installment Payment Available

0% interest installment payment is now available! Be covered for $1,000,000 from only $80.67 per month.

> 24-Hour Emergency Hotline Service

Wherever you are in the world, should you need advice or referrals in case of an accident, our emergency assistance service is only a phone call away. Call our 24-hour hotline at (65) 6322 2566.

> Money Back Guarantee

You’ll have 14 days to review your policy. If you are not satisfied, simply return the policy to us within 14 days for a full premium refund!

Benefits Plan 1 Plan 2

Accidental Death $1,000,000 $2,000,000

Permanent Disablement Up to $1,000,000 Up to $2,000,000 (total & partial)

Accidental Medical $15,000 per year $30,000 per year Expenses*

- Chinese Physician Expenses1 Up to $500 per accident

- Chiropractor & Up to $500 per accident Physiotherapist Expenses1

- Nursing Care Charges1 Up to $1,000 per week, $4,000 per accident

- Mobility Aid and Up to $3,000 per accident Ambulance Services1

- Accidental Dental Treatment, Up to $5,000 per occurrence insect/animal bites, dengue fever, food and drinks poisoning1

Special Grant $3,000 $10,000

PREMIUMS

Class I & Class II Risks $968 $1,688

* Benefits are on the reimbusement basis1 Benefits are sub-limit of Accidental Medical Expenses

Please note:-1. Premium quoted above are inclusive of GST and may be subject to change without prior notice.

2. The above premium is not applicable for Class III, decline or referred risks.

> Classification of Risks

Class 1 Class II Class III

Persons engaged in professional, Persons engaged in work of a Persons engaged in manual administravie, managerial, clerical supervisory nature and others work not of particularly and non-manual work solely in not in Class I whose duties do hazardous nature but involving offices or similar non-hazardous not involve the use of tools or the use of tools or machinery. places machinery or expose them to any special hazard.

Example

• Architect (Indoor) • Engineer (Outdoor) • Butcher / Fishmonger • Beautician • Fitness / Gym Instructor • Contractor • Dentist / Doctor • Hair Stylist • Motor Repairer • Lawyer • Insurance / Property Agent • Plumber • Chemist • Loss Adjusters • Veterinary SurgeonPlease note that the above examples are not exhaustive. For more information, please call us at 1800-8804 888.Please note that this is an Accident Policy. The benefits will only be payable upon death or injury as a result of an Accident occurring.

FullTerrorism covered!