Critical Illness Rider: Financial Support for Critical Illnesses

1. CRITICAL ILLNESS RIDER FINANCIAL SUPPORT WHEN SUFFERING CRITICAL ILLNESSES

2. CONTENT 1 MARKET DEMAND 2 ILLNESS DEFINITION 3 PRODUCT FEATURE 4 INSURANCE BENEFIT 5 POTENTIAL CUSTOMER 6 PRODUCT CONDTION 7 ILLUSTRATION Q&A 8

3. MARKET DEMAND NEWS UPDATE Singer Minh Thuan died after fighting lung cancer

4. MARKET DEMAND CAUSES OF CANCERS Environmental pollution Contaminated food Tobacco Fast food Bear - Alcohol Nguồn: Bộ Y Tế

5. MARKET DEMAND STATISTICS In 2016, Vietnam ranked 49 in 184 countries with the highest cancer deaths worldwide new cancer cases occur every year and more 150,000 75,0000 Source: WHO patients die Common cancers in Vietnam 190,000 new cancer cases opposed to occur in 2020 • Stomach cancer • Lung cancer • Liver cancer • Colorectal cancer • Breast cancer • Lung cancer • Liver cancer • Cervical cancer Source: Bộ Y Tế

6. MARKET DEMAND DEFINITION Source: WHO Cancer refers to malignant tumors with the presence of uncontrolled growth and spread of malignant cells and characterized by the ability to infiltrate and destroy normal body tissue or malignant leukocytosis. It must be confirmed by a histology and consistent with what is categorized as Malignant Neoplasm. NUMBER OF CANCERS IN VIETNAM Number of Cancers in 2014

7. MARKET DEMAND PATIENT CANCER STATUS In all cases, patients need a lot of money to pay for treatment Patients still alive and did not have financial difficulties Patients still alive with financial difficulties Patients died Nguồn: Bộ Y Tế

8. MARKET DEMAND Inability to pay for electricity, water bills Not enough money to buy pills/drugs Could not pay for travel expenses Could not buy food 5% Other difficulties

9. MARKET DEMAND 28 Cancer drugs supported by Govenrment receive are cost-cutting by 2015 from 9.9% 19.7% 50–100% to 30–50% The amount of money that patients have to pay for the drug treatment increased Source: Bộ Y Tế

10. MARKET DEMAND The amount of medical expenses from Government is decreasing Source: Bộ Y Tế

11. MARKET DEMAND CRITICAL ILLNESS TREATMENT COST Unit: Million VND

12. MARKET DEMAND SOLUTION? WHAT DOES YOUR FINANCE MAY PAY FOR TREATMENT COSTS? CRITICAL ILLNESS RIDER MILD CANCER BENEFIT * * * Support 50% Sum Assured with protection up to 10 mild cancers WIDE PROTECTION * * * Cover 47 critical illnesses and accidental disabilities SEVERE CANCER & ACCIDETAL DISABILITY BENEFIT * * * Support 100% Sum Asured for Severe Cancer, Other Critical Illness or Accidental Disability

13. CRITICAL ILLNESS DEFINITION DEFINITIONS Cancer refers to malignant tumors with the presence of uncontrolled growth and spread of malignant cells and characterized by the ability to infiltrate and destroy normal body tissue or malignant leukocytosis. It must be confirmed by a histology and consistent with what is categorized as Malignant Neoplasm. Cancer Stage I and II of chronic lymphocytic leukemia on the Rai classification Stage I prostate cancer Stage I bladder papillary carcinoma Thyroid micropapillary carcinoma (micropapillary carcinoma means papillary carcinoma within thyroid and the size is 1 cm or less) Stage I lymphoma (<10cm) Borderline ovarian cancer Stage I melanoma Stage I breast cancer Stage I cervical cancer Stage I colorectal cancer Mild Cancer Severe Cancer Excludes all mild cancers Both mild and severe cancers exclude the following: Carcinoma-in-situ or stage 0 cancer Stage I malignant carcinoid Stage II or less non-melanoma skin cancers (including cancers of skin appendages and dermatofibrosarcoma) Exclusion

14. CRITICAL ILLNESS DEFINITION DEFINITIONS Stroke Cerebrovascular incident causing cerebrovascular hemorrhage, embolism, or infarction resulting in permanent neurological function disorders. Permanent neurological function disorder means the residual of one of the following conditions at least 6 months from the onset and it must be confirmed by a doctor to satisfy 1 of the followings: 1) Vegetative state. 2) Three major joints of one upper limb or three major joints of one lower limb have one of the following residuals: a) The function of joints cannot be moved voluntarily b) 2/5 or less of muscular strength Three major joints of upper limbs include shoulder, elbow and wrist joints; three major joints of lower limbs include hip, knee and ankle joints. 3) Impairment of the motion or the sensation of two or more limbs resulting in inability to perform all Daily Living Activities. 4) Loss of speech or mastication. Loss of speech is dysphasia caused by the damage of central nervous system. Loss of mastication is dysphagia caused by the organic or functional disorders resulting in being able to take liquid food only. ĐỘT QUỴ Acute myocardial infarction means the death of part of the heart muscle as a result of coronary occlusion. The diagnosis must be based on left ventricular function with the ejection fraction as 50% or lower by a cardiac imaging examination evidence and the condition must be persistent for 90 days from the onset of acute myocardial infarction. The diagnosis must be based on two of the following criteria: 1) A history of typical chest pain, 2) Electrocardiographic changes showing myocardial infarction lately, 3) An elevation in cardiac enzyme levels including an elevation of CK-MB, elevation of troponin T > 1.0ng/ml, or elevation of troponin I >0.5ng/ml. Acute Myocardial Infarction

15. CRITICAL ILLNESS DEFINITION DEFINITIONS End Stage Kidney Disease End stage kidney disease means chronic and irreversible failure of kidneys which either requires long-term and regular renal dialysis or kidney transplant confirmed by doctor Kidney Transplant Kidney transplant means Insured actually undergo a transplant of a kidney that is no longer functional

16. DANH SÁCH BỆNH 34 CRITICAL ILLNESS

17. 13 ACCIDENTAL DISABILITIES

18. Entry Age Policy Term Premium Paying Period Occupation Class PRODUCT FEATURES • From 5 to 25 years • Same as Policy Term • From 0 to (65 minus Policy Term) • Class 1, 2, 3

19. PRODUCT FEATURES Mild Cancer Benefit • 50% Sum Assured • Policy is still effective Severe Cancer Benefit • 100% Sum Assured Critical Illness Benefit • 100% Sum Assured Accidental Disability Benefit • 100% Sum Assured Note: Policy will be terminated as Severe Cancer/Critical Illness/Accidental Disability is paid.

20. MAXIMUM benefit amount Pay Mild Cancer Benefit. Policy is still effective. Pay Severe Cancer/Critical Illness/Accidental Disability Benefit. Policy is then termninated. Benefit Amount Second Diagnosis First Diagnosis Severe Cancer/Critical Illness/Accidental Disability Mild Caner Severe Cancer/Critical Illness/Accidental Disability Pay Severe Cancer/Critical Illness/Accidental Disability Benefit. Policy is then termninated.

21. MAXIMUM benefit amount Case 1 Diagnosis Benefit Amount Diagnosed Stage I prostate cancer • Paying Mild Cancer Benefit as 50% Sum Assured • Policy is still effective • DO NOT pay Mild Cancer Benefit • Policy is still effective Diagnosed Stage I colorectal cancer UP TO 50% SA

22. MAXIMUM benefit amount Case 2 Diagnosis Benefit Amount Acute Myocardial Infarction • Paying Severe Cancer/Critical Illnesses/Accidental Disabilities as 100% Sum Assured • Policy is terminated MAXIMUM IS 100% SUM ASSURED

23. MAXIMUM benefit amount Case 3 Diagnosis Benefit Amount Borderline ovarian cancer • Paying Mild Cancer Benefit as 50% Sum Assured • Policy is still effective UP TO 150% SA Stage I breast cancer • DO NOT pay Mild Cancer Benefit • Policy is still effective Stroke complicated with disability residuals • Paying Severe Cancer/Critical Illnesses/Accidental Disabilities as 100% Sum Assured • Policy is terminated

24. MAXIMUM benefit amount Case 4 Diagnosis Benefit Amount Stage I breast cancer • Paying Mild Cancer Benefit as 50% Sum Assured • Policy is still effective UP TO 150% SA Borderline ovarian cancer • DO NOT pay Mild Cancer Benefit • Policy is still effective Stage II breast cancer • Paying Severe Cancer/Critical Illnesses/Accidental Disabilities as 100% Sum Assured • Policy is terminated

25. Product CONDITIONS SUM ASSURED LIMITATION • Minimum Sum Assured: 30 million VND • Maximum Sum Assured: Sum Assured of this Rider cannot be greater than SA of Main Policy; and • Limit Sum Assured per Life* (*): Total all Main Policy and Riders of The Insured

26. Product CONDITIONS PAYMENT METHOD Same as Main Policy Annual if this Rider is still in force after the Premium Paying Period of the Main Policy Illustration Analysis Ms. Nguyen Thi H, 25 years old, purchased Cathay Endowment (C17) with a Critical Illness Rider with SA of 100 million VND with Policy Term is 21 years. She pays 28,000 VND of monthly premium. Premium Paying Period (PPP) of C17: 18 năm After PPP of C17, R08 continues effective and pay 320,000 VND of annual premium

27. PRODUCT CONDITIONS WAITING PERIOD • The period during from the Effective Date of the Rider or from the lastest reinstatement date of this Rider. The Waiting Period is applied as below: • Ninety (90) days for Cancer; • Thirty (30) days for other non-Cancer Critical Illnesses as specified in Critical Illness Table. • Waiting period is not applied for these Accidental Disabilities and Critical Illnesses, if the cause is by accident: • Paralysis • Heart Transplant • Lung Transplant • Liver Transplant • Pancreas Transplant • Kidney Transplant • Hematopoietic Stem Cell Transplantation • Major Brain Trauma • Major Burns

28. ATTACHMENT Case 1: R08 is attached at the same time with Main Policy (Selling products) Type Product Policy Term of R08 Illustration Analysis • Product type: UL – I01 • Entry Age of Ms. H: 48 years old • Policy Term of R08: 17 years Ms. Nguyen Thi H, 48 years old, purchased produc I01 with Critical Illness Rider (R08) with SA of 100 million VND  (=65 – 48)

29. ATTACHMENT Case 2: R08 is attached after Main Policy signed Type Product Policy Term of R08 Illustration Analysis In 2010, Mr. Nguyen T purchased product C07 with Policy Term of 20 years. In 2018, Mr. T buy a Critical Illness Rider (R08) with SA of 100 million VND • Product type: Others • Remaining Policy Term of C07: 12 years • Policy Term of R08: 12 years 

30. POTENTIAL CUSTOMERS Customer characteristics • Have idle money and want to be protecteḍ • Do not wondering about Maturity Benefit • Only have Health Insurance / Social Insurance • Want more life insurance to perfect insurance plan

31. POTENTIAL CUSTOMERS Young/Single People Joining Life Insurance is a comprehensive financial guarantee for yourself and your loved ones More Affordable The younger you are, the lower the premium Financial autonomy Insurance will help you pay for hospital fees and medical expenses when you have Critical Illnesses or Accidental Disabilities Reducing the financial burden Your relative's finances will not be affected if you get Critical Illnesses or Accidental Disabilities

32. POTENTIAL CUSTOMERS Married People You are married, you worry for your loved ones when you are in misfortune. Let Insurance cover your worries Assist your family in financial problems when you are in treatment, peace of mind about accidents, hospitalization or disability Purchase for your spouse or your children to complete your family's insurance plan

33. ILLUSTRATION Illustration 1 Ms. Nguyen Thi H, 25 years old, purchased Cathay Endowment with a Critical Illness Rider with SA of 100 million VND with Policy Term is 21 years. She pays 320,000 VND of annual premium. Ms. H is diagnosed Benign Brain Tumor at the 5th policy year Ms. H receives Critical Illness Benefit Benefit amount of 100million VND Policy is terminated

34. ILLUSTRATION Illustration 2 Mr. Nguyen Van T, 35 years old, purchased Cathay Endowment with a Critical Illness Rider with SA of 100 million VND with Policy Term is 21 years. He pays 730,000 VND of annual premium. 2 years later Situation Stage I prostate cancer Benign Brain Tumor Mr. T receives Mild Cancer Benefit. Two years later, Mr. T receives Critical Illness Benefit Critical Illness Benefit Mild Cancer Benefit Benefit 50M 50M +100M Benefit Amount 100M Policy is still effective. Customer continues to pay Premium. Policy Termination Terminated Terminated

35. Q&A

36. Q&A Can R08 attach to those who have a sub-standard health? NO! This rider will not sell for sub-standard people. Why R08 do not have Death Benefit? There are two main reasons: This is a Critical Illness Rider. Company has another Rider for Death Benefit like R05  We can combine those products to make a package for customers.

37. Q&A If the customer attaches R08 to C15, what is the limit? The Sum Assured (SA) limits are described in more detail in the following table:

38. Q&A Illustration Ms. Nguyen Thi H, a 25-year-old office worker, purchased product C15, which has Policy Term of 20 years with Sum Assured of 2.0 billion VND. At the same time, Ms. H also attached Critical Illness Rider with Policy Term of 20 years. • Based on the Limit of Sum Assured, the maximum SA that Ms.H can buy is 5.0 Billion VND. In addition, the SA of R08 must meet the following conditions: • SA of R08 does not to exceed the SA of main product C15; and • SA of R08 does not to exceed 2.5 Billion VND. •  Therefore, the maximum SA that Ms. H can buy for R08 is VND 2.0 Billion VND.

39. Q&A Does the R08’s premium change every year like R04? NO! The premium of R08 will be fixed during the Policy Term. Illustration Analysis Ms. Nguyen Thi H, 25 years old, purchased product C17 with Critical Illness Rider (R08) with SA of 100 million VND. Policy Term of R08 is 21 years with premium of 320,000 annually. Policy Term of R08: 21 years Annual Premium (fixed): 320,000 VND during 21 years

40. Q&A Is the 45-year-old customer allowed to attach R08 when purchasing C17 with Policy Term of 21 years? NO! Because 45-year-old customers can only buy R08 with a maximum of 20 years. Illustration Analysis Mr. Nguyen T, 45 years old, purchased product C17 with Policy Term of 21 years. Do Mr. t be allowed to buy Critical Illness Rider (R08)? Maximum Policy Term of R08 = 65 – Entry Age = 65 – 45 = 20 years  Mr. T is not allowed to attach R08 to Product C17 because Policy Term of R08 must be equal to Policy Term of C17.

41. Q&A If the customer simultaneously attaches R06 and R08 to the Main Policy, will the Main Policy and R08 be waived when the PO dies or TPD? YES! But the waive period must be equal to the Policy Term of R06. Then, if the R08 is still effective, the customer must pay premium by annual mode. R06 Policy Term of R06 R08 Waive period of R08 Pay premium by annually

42. Q&a Analysis Illustration 1 • Mr. Nguyen T, 35 years old, purchased • Cathay Endowment with Cash Benefit • (C17) for his son with Policy Term of 21 years. At the same time, Mr. T also attached: • R06 with Policy Term of 18 years • R08 for himself and his son with Policy Term of 21 years • Two years later, Mr. T unfortunately went through the accident and died. Policies C17 and R08 will continue to be effective Policy C17 is waived during the remainding Policy Term (19 years) R08 is only waived for 16 years (under the remaining Policy Term of R06). Then, if R08 is still effective, the premium will be paid on a yearly basis Effective date 2nd year 18th year 21st year C17 R06 + R08 Customer continues to pay premium for R08 Waive premium for C17, R06 + R08

43. Q&a Illustration 2 Analysis • Mr. Nguyen T, 35 years old, purchased Cathay Endowment with Cash Benefit (C17) for his son with Policy Term of 21 years. At the same time, Mr. T also attached: • R06 with Policy Term of 18 years • R08 for himself and his son with Policy Term of 21 years • Two years later, Mr. T unfortunately went through the accident and Permanent and total loss of function in all limbs. • R08 is only waived for 16 years (under the remaining Policy Term of R06). • Mr. T received Accidental Disability Benefit. His policy is then terminated. • After the waive period, policy R08 of his son continues to pay annual premium during the remaining 3 years of the policy. Effective date 2nd year 18th year 21st year Mr. T received Accidental Disability Benefit. His policy is terminated. Waive premium for C17, R06 and R08 of his son. C17 R06 + R08 Customer continues to pay premium for son’s R08

44. Q&A What documents does the claim cover? Application Form Identification Papers Medical Summary Medical Records Authenticated Documents Other Documents

45. Q&A What documents does the claim cover? Application Form An application for insurance benefits which is issued by the Company Medical Summary Medical summary/copy medical records, medical documents relating to the examination, diagnosis and treatment have critical illness diagnosed by Hospital/clinic Authenticated Document The notarized or authenticated consular legalization of documents, evidence for cases of examination and treatment in foreign countries

46. Q&A What documents does the claim cover? Identification Paper Copies of identification papers of people receiving insurance benefits (National identity card/ or passport/or driving license…) Medical Record Medical records and documents (the hospital discharge paper, a detailed list of treatment fees, receipts, invoices and fees) Other Document More evidence or other necessary documents to assist in resolving insurance benefits

47. Where can I find out the product information? To find out more information, please visit the link: B2E  Product Information  Personal insurance products  Selling Products  Rider