The Individual application, Table of benefits, Certificate
of insurance and this Plan guide form the contract of insurance
with us and you must read them together.
The planholder must choose the currency of your UltraCare plan
from the currencies available for that plan type. They must
choose this at application or renewal and it will apply throughout
the entire plan year. If the Maternity add-on plan is chosen,
it must be in the same currency as the UltraCare plan.
Premiums must be paid in the same currency as your plans.
We can change any of the general conditions, benefit conditions,
benefit exclusions or other terms and conditions in this Plan
guide at the beginning of the plan year. We can also change the
premiums and any discounts or surcharges at the beginning of
the plan year. We will tell the planholder about any changes
before the plan renewal date.
Your eligibility depends on us accepting the application,
including the medical questionnaire if your underwriting
terms are FMU.
The UltraCare plans and Maternity add-on plan are available
to people of all nationalities living in mainland China,
including dependants, except people who are governed by
exchange controls or local licensing regulations.
Plans may not meet specific visa requirements. Cover may
also be illegal under local laws or where it is in violation
of any applicable economic or government sanctions. It is
the planholder’s responsibility to ensure that any plans
chosen meet your needs.