C o v e r a g e Y o u C a n C o u n t O n

For your healthcare needs, you trust only a professional.For your medical insurance, trust Blue Cross.

We make sure “professional” also means “personal”.

Blue Royale Premiera worldwide Dollar plan specifically designed for senior citizens that offers complete freedom of choice for the best medical care

The rising costs of hospitalization and medical treatment are one of the pressures you have to deal with in today’s times.

When illness strikes, you undoubtedly want to look for the best ways to secure you and your loved ones.

Blue Cross understands your need to ensure that you and your loved ones will be secured, even in your later years. In

order to help you better deal with life’s physical and financial uncertainties, we offer you Blue Royale Premier.

• ThebestmedicalplanforSeniorCitizens

• MaximumcoverageofuptoUS$100,000

• Yourchoiceofhospital,clinic,pharmacyanddoctor…WORLDWIDE!

• Swiftreimbursementofmedicalexpensesbasedonyourcoverage

• ComprehensiverangeofMedicalInsuranceBenefits

• 24-HourCustomerAssistanceandEmergencyHotline

Blue RoyalePremier

Q: How do I get a Blue Royale Medical Insurance Plan?A:Contact ourMedicalSalesofficeat (632) 899-8001or e-mail usatmedical_sales@bluecross.com.ph.Our

AccountExecutiveswillbemorethanhappytoansweryourquestionsorgiveyouafreepresentationinperson.Q: How do I pay my Blue Royale Premium?A:BlueCrossoffersyouseveralconvenientwaystopayyourpremium:Youcanpayincashorcredit,viabank

BillsPaymentFacilities,eitherannuallyorsemi-annually.Q: Do I need to undergo a physical examination before I can get a Blue Cross Insurance plan?A:No,applicantsnormallydonotneedtoundergoaphysicalexam.Allyouhavetodoisanswertheapplication

formandmedicalquestionnaireastruthfullyaspossible.Failuretoanswerthequestionsinthedeclarationinfull,concealment,ormisrepresentationofanysignificantconditionwillaffectyourPolicyandthepaymentofyourclaims.

Q: What is a pre-existing condition?A:Apre-existingconditionisadisabilityorillnesswhichexistedbeforethecommencementofcover.Theexistence

ofapre-existingconditioncanbeclinicallydeterminedgivenitsnaturalhistory,irrespectiveofwhetherornottheinsuredisawareoftheillnessorcondition.Providingcoverforapre-existingconditionissubjecttoevaluationbyourMedicalDirector,andifitisexcludedfromcoverwewillnotifytheinsuredaccordingly.

Q: How soon can I avail of my Blue Royale Benefits?A:YoucanavailofyourBlueRoyaleBenefitsthirty(30)daysafterthedateshownonyourPolicy.However,you

alreadyhaveimmediatecoverageforaccidentalinjury.Q: How can Blue Royale take care of me when I am abroad?A:Intheeventthatyouarehospitalizedwhileabroad,ourworldwideemergencyassistancepartnerwillbethere

tohelpyou.BlueCrossincludescoverageforamaximumof90daysabroadpertrip.Coverageisextendedbeyond90daysprovidedthereasonforgoingabroadisnottoseekmedicaltreatment.Theextensionofstayoverseasmustalsobeduetoanemergencyillnessorcondition(leadingtoconfinement)thataroseonorbeforeyour90thdayabroad,forwhichthecontinuedhospitalizationwillrequireyoutostayabroadbeyond90days.

Q: What does 90 day per trip coverage mean?A:ThismeansthatyoucantravelanunlimitednumberoftripsoutsidethePhilippineswithinsurancecoverage

providedthateachtripdoesnotexceedninety(90)days.Premiummaychangeforoverseasstayofmorethan90days.

Frequently Asked Questions(For New Applicants)

MAJOR$250,000$100,000

$300

As Charged

As ChargedAs ChargedAs Charged

$15,000($30,000 option)

35% of Surgeon’s Fee$100,000

$5,000

As Charged

90-day post hospitalization follow-up care only

Not Available

As Charged

As ChargedAs Charged

Included

STANDARD$500,000$100,000

$600

As Charged

As ChargedAs ChargedAs ChargedAs Charged

As Charged$100,000

$10,000

As Charged

As Charged

$1,500

As Charged

As ChargedAs Charged

Included

Blue Royale Premiera worldwide Dollar plan specifically designed for senior citizens that offers complete freedom of choice for the best medical care

V07.13_PI

MAXIMUM COVERAGE PER YEAR (aggregate limit per year) for age 66 up to 75 MAXIMUM COVERAGE PER YEAR (aggregate limit per year) for age 76 and above IN-PATIENT BENEFITSRoom and Board including general nursing care for a maximum of 45 days per disability, per year for confinement abroad. Unlimited number of days for confinement in the Philippines.Miscellaneous In-Patient Chargesfor required diagnostic laboratory tests; prescribed medicines and supplements; blood and components; anaesthesia; surgical appliances and devices; and intra-operative standard prosthetics (as approved by Blue Cross)Professional FeeIntensive Care Unit, Coronary Care Unit, TelemetryOperating Theater & Recovery RoomSurgeon’s Fee includes pre-surgical assessment and normal post-surgical care while confined in the treatment country for each disability.Anaesthetist’s FeeOrgan Transplant fees for kidney, heart, liver, lungs and bone marrow transplants including follow up treatments and sequelae (as approved by Blue Cross) to a total limit per year ofMental and Nervous Disorders covering biologically based mental illness and degenerative brain disorder as defined in the Policy. $5,000 per year with a lifetime limit ofPrivate Duty Nurse when certified necessary by the attending physician (at home for up to 30 days immediately after hospitalization)Procedure Done on an Out-Patient Basis for selected procedures as approved by Blue CrossOUT-PATIENT BENEFITS (via reimbursement only)physician and specialist fees for office visits; physiotherapist; chiropractor, and acupuncturist, Chinese medicine practitioner and herbalist when referred by attending physician; required diagnostic laboratory procedures, prescribed medicines and supplements; herbal and Chinese medicines; durable medical equipment & corrective devices as approved by Blue Cross

Other Alternative TreatmentsHomeopathy; Osteopathic Manipulative Therapy (OMT); Bonesetter; Iridology and any medication prescribed by the mentioned alternative treatments

EMERGENCY BENEFITSEmergency Out-Patientfor treatment of emergency cases/conditions not leading to confinement provided by the out-patient department of a hospital or a licensed doctor in his clinic for a covered disabilityEmergency Dental Services due to covered accidentEmergency Local Ambulance Servicefrom place of occurrence to the nearest hospital facility or from hospital to hospital using land transportation service. If local land transportation facility is not available, other transportation facilities are allowed subject to the approval of Blue Cross.Emergency Overseas Coverageoverseas cover is for an unlimited number of trips outside the Philippines, provided that each trip does not exceed ninety (90) days except if Treatment Area Limitation (TAL) discount option is selected.Worldwide Emergency AssistanceBlue Cross, through our emergency assistance partner, will provide the assistance and advice (24 hours a day, 7 days a week) for free but the client will be responsible for any third party charges incurred as a result of such advice or assistance unless otherwise specified elsewhere in the Policy. Insured Person must be traveling 100 miles (or 150 kilometers) or more from his primary and legal address or in another country which is not his Country of Residence for less than 91 days unless otherwise endorsed in the Policy.Services* include but are not limited to the following:• Emergency Medical Evacuation: Evacuation under appropriate medical supervision to the nearest medical

facility

Subject to the limit of In-Patient Benefits

CORE BENEFITS

ANNUAL PREMIUMS asof1July2013

• Medical Repatriation: Repatriation under medical supervision to the Insured Person’s legal residence or to a medical or rehabilitation facility near the Insured Person’s residence

• Return of Mortal Remains: The return of mortal remains will be arranged and paid for.• Compassionate Visit: When an Insured Person is traveling alone and will be hospitalized for more than

7 consecutive days, an economy, round- trip, common carrier transportation will be provided to a family member or a friend to accompany the Insured Person.

• Care of Minor Child(ren): One-way economy common carrier transportation will be provided to the place of residence of minor child(ren) when they are left unattended as a result of medical emergency or death of an Insured Person.

* Availment of services through our designated assistance provider, limit per year of* Availment of services not through our designated assistance provider, limit per year of

The actual cost will be paid via reimbursement by the Company subject to the limits specified which will form part of the Maximum Coverage Limit of the plan provided that such assistance is a result of a covered illness, accidental injury or death occurring during the Period of Insurance.

VALUE ADDED BENEFITSBlue Cross Health Care Card treatment at all Blue Cross accredited medical facilities in the Philippines, up to plan limits with no cash outlay. Emergency treatment and confinement only. Excludes out-patient benefits and medicines.Sports Coverage for recreational sports including skiing and scuba; excluding contact sports (subject to Policy limits)

MAJOR STANDARD

Included

Included

Included

Included

As Charged and on top of the Maximum Coverage Limit

MAJOR

STANDARD

$2,500 Deductible Option

30% Discount

18% Discount

$5,000 Deductible Option

40% Discount

24% Discount

Treatment Area Limit

25% Discount

25% Discount

Notes for Discount Options:1. The above percentage discounts are not applicable to optional benefits and surgeon’s fee option.2. Deductibles are computed on a per annum basis and applied to the following: a.in-patientbenefits b.90daysposthospitalizationfollow-upcarebenefits3. Treatment area limitation excludes treatment in North American countries such as Canada, United States of America, its dependent territories

and the Caribbean Islands; Japan & China including Hong Kong.

DISCOUNT OPTIONS

As Charged and part of the Maximum Coverage Limit

The Documentary Stamp Tax (DST - $2.00) should be deducted from the Core Benefits Premium before applying any discount and/or loading (i.e., additional premium). The DST should be added back after all discounts and loadings have been applied.

EMERGENCY BENEFITS

MAJOR $30K Surgeon’s Fee*66676869707172737475

76-8081-8586-9091-9596-100

$2,4372,5722,7072,8422,9783,2793,5883,8584,0504,2445,4447,67710,73315,13721,161

$209220232244255276302325341358413572803

1,1231,570

AGE STANDARD$6,523

6,8857,2487,6117,9738,6129,42210,13110,63811,14514,16319,67027,67238,68154,070

What else would you like to know? Call us at +63 2 899-8001 or visit www.bluecross.com.ph

Premiums are inclusive of all applicable taxes.

* The $30,000 Surgeon’s Fee benefit limit is optional for the Major Plan. The Surgeon’s Fee benefit is As Charged for the Standard Plan.

Aswithallinsurance,therearesomeimportantpointsyoushouldknowbeforeenteringintoacontract.Inthissection,weidentifysomekeyPolicyprovisions.

1. Yourcoveragebeginsthirty(30)daysafterthedateshownonyourPolicy.However,youalreadyhaveimmediatecoverageforaccidentalinjury.

2. Apre-existingconditionisadisabilityorillnesswhichexistedbeforethecommencementofcover.Theexistenceofapre-existingconditioncanbeclinicallydeterminedgivenitsnaturalhistory,irrespectiveofwhetherornottheinsuredisawareoftheillnessorcondition.Providingcoverforapre-existingconditionissubjecttoevaluationbyourMedicalDirector,andifitisexcludedfromcoverwewillnotifytheinsuredaccordingly.

3. WhileyourPolicyisissuedinthePhilippines,itprovidescoveragewhenyouareoverseasforanunlimitednumberoftrips.However,pleasenotethatthemaximumperiodofcoverisfor90dayspertriponly.Beyondthat,yourplanwillbesubjecttoadditionalpremium.Ifyouresideoverseas,pleaseadviseusasyourpremiummayneedtobeadjusted.

4. Certainconditionsarepermanentlyexcludedfrombeingcovered.Theseconditionsinclude:• Congenitalconditions,birthdefectandabnormalities• Cosmeticsurgeryorrelatedcomplications,contactlenses,hearingaidsandprescriptionsthereof,exceptthosethatmayberequiredforreconstructivesurgery

• Suicide,attemptedsuicideorintentionalself-inflictedinjury• Pre-existingconditionsunlesssuchhavebeendeclaredandapprovedbytheCompany• AcquiredImmuneDeficiencySyndrome(AIDS),AidsRelatedComplex(ARC),andSexuallyTransmittedDis-eases(STDs)

• Allcontraceptivemethodsofbirthcontrol;screeningand/ortreatmentpertainingtoinfertility• Pregnancyrelatedexpenseandscreening,childbirth(includingsurgicaldelivery);miscarriageandabortion,in-cludingtheircomplications;pre-natalorpost-natalcareaswellasnursingcareforthenewbornunlessprovidedinthescheduleofbenefits

• Weighttreatment,managementanditscomplications• Confinementwhollyforroutinemedicalexaminationsorcheck-ups

5. Yourcontractisguaranteedrenewableuptoage100.However,wereservetherighttoadjustyourpremiumandotherPolicyconditionsuponwrittenadvice45dayspriortoeachrenewal.

6.Forfulldetails,pleaserefertothePolicy.

SOME THINGS ALL APPLICANTS SHOULD KNOW:

What else would you like to know?

Call us at +63 2 899-8001

or visitwww.bluecross.com.ph

Blue Cross is ExCELLENCE. We are committed to bringing nothing but the best to our clients. Our decisions are based on an intricate understanding of our clients’ needs, demands and expectations. We strive to create and innovate programs that will best serve our customers.

Blue Cross is STABILITy. We are one of the leading and most financially stable companies in the industry today. Our Premiums Earned in recent years put us in the top 20 non-life insurance companies in the Philippines.

Blue Cross is ExPERIENCE. We draw from more than fifty years of experience in the insurance industry. Our actions are guided by a deep insight brought about by the knowledge we have gained through the years.

Blue Cross is CUSTOMER SERvICE. We are rooted in a commitment to ever improving customer service. We aim to be continuously progressive and professional. Our commendable track record and competent support staff ensure that you are given immediate and excellent service at all times.

Blue Cross is a PARTNERSHIP OF TRUST. We build and value enduring relationships. We consistently prove that we are worthy of the highest confidence---by our strict standards, the integrity of our promises and the results we deliver. In the event of a crisis, we assure you that Blue Cross will be your friend and ally.

H E A D O F F I C EBlue Cross Center, 8000 Makati Avenue, 1200 Makati City,

Metro Manila, PhilippinesTel. No.: +63 2 899-8001 Fax No. : +63 2 325-0638

Email: medical_sales@bluecross.com.ph Website: www.bluecross.com.ph

S U B I CSuite 64, West Gate Bldg., Sampson Road,

Subic Bay Freeport Zone, ZambalesTel. No.: +63 47 250-0197 Telefax: +63 47 250-0199

Email: subic@bluecross.com.ph

C E B UUnit 3, G/F Zeraus Bldg., Gorordo Avenue,

Brgy. Kamputhaw, Cebu CityTel. Nos.: +63 32 233-5812; +63 32 233-5816; +63 32 416-4468Fax No.: +63 32 233-5814 Email: cebu@bluecross.com.ph

D A V A O2nd Floor, Left Wing, Door No. 6, Matina Town Square,

Mac Arthur Highway, Matina, Davao CityTel. No.: +63 82 297-7314 Telefax: +63 82 297-7151

Email: davao@bluecross.com.ph

V07.13_PI

w w w. b l u e c r o s s . c o m . p h

he Name we live by...

T