DISCOUNT OPTIONS
(not applicable to Additional Benefit Plans and subject to US$200 minimum per Insured Person)
US$2,500 Deductible Option (you pay the first US$2,500 of eligible expenses) 25% Discount
US$5,000 Deductible Option (you pay the first US$5,000 of eligible expenses) 35% Discount
Treatment Area Limit (excludes treatment in Hong Kong (SAR), Japan and North America where residents are ineligible for this discount) 25% Discount

Note 1 : Treatment Area Limit option is only available to residents in Indonesia, Korea,
               Malaysia, Philippines, Singapore, Taiwan, Thailand and Vietnam. Countries not
               listed will be given individual consideration.
         2 : After the Medical Plan premium is calculated, apply chosen discounts. Then,
              applications with 5 to 20 persons are eligible for a 10% group discount and
              21 or more persons for a 20% group discount. The group discount is not
              applicable to Additional Benefit Plans.

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For exact wording and complete details, please refer to the policy itself.
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