HEALTH INSURANCE

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					HEALTH INSURANCE



                                                                 Tel: (+351) 282 430 800   Fax: (+351) 282 430 809
Dear Client,

In order to fulfill a growing need among our clients for private Health Care, we have designed a Special Health
Insurance for members of AFPOP.

Bearing in mind that most Health Insurances do not give good value for money, particularly to older people,
our Special Health Insurance is based on three concepts :

         Good Cover - Reasonable Premium - No surcharges for older people

Our analysis of existing Health Insurance policies that one of the main causes for high premiums is that
Insurance Companies pay out for routine treatments for which most clients could easily afford to pay but do
not, because they have Health Insurance policies. Our Special Health Insurance Policy is a special policy with
two insurances in one, i.e. a Refund Cover allowing you to choose any doctor, clinic or hospital, paying in
advance and claiming your money back afterwards and a Card Insurance (Multicare) Cover giving you
access to the widest network of medical services providers in Portugal (with important private hospitals such as
Hospital Particular in Alvor, Sta Maria de Faro- in Faro - and S.Gonçalo de Lagos in Lagos) in which you
just have to pay 10% of the expenses, being the remaining payed directly by the insurers.

This is, therefore, a policy designed to cover expensive emergency procedures like surgery, hospitalization and
out-patient treatment due to illness or accidents, whilst excluding check-ups and routine expenses such as
dentists, oculists, medicines and physiotherapists (except post-surgery or following an accident);
alternative/non-official medicines (out of the Ordem dos Médicos ) and pregnancy related expenses and birth
are not included as well. Like all Health Insurance policies, this policy EXCLUDES all pre-existing conditions.

We have done away with age-related increased costs by successfully negotiating a single premium for all
ages.
To underwrite this coverage, we have chosen Portuguese specialists in Health Insurance :
IMPÉRIO-BONANÇA / MULTICARE
Coverage / Inception Date
Provided all insurance criteria are met, cover will be :
• Immediate (from inception date) for accidents
• Subject to a waiting period of 60 days for illness and other health expenses

Coverage Abroad :
Coverage abroad is only valid for sixty (60) days following the date of departure from Portugal, for accidents
and sudden illnesses only, and only as a refund policy.

Payments :
Insurance premiums are paid on receipt of a Medal invoice.

Reimbursements :
Medical Expenses refunds will be made directly into your bank account.
Health expenses - done outside the network receipts- (with medical report, if possible) can be sent to :

MEDAL, Lda. / Claims Dept. C/o Mr.Ernesto Barroso
Rua Dr. Teófilo Braga, 3A – 1ºA/B Apartado 948                         8501-919 Portimão
                                                                                                         August 2008
                                       HEALTH INSURANCE
                                                Medal, Lda. / A.F.P.O.P

                                                       Age Limits
            New Members - 65 Years old                                 Permanence - 75 Years old



                                                         PLAN 1
                                                                Refund
                Covers                           Refund            Maximum           Excess
                                                                  Person / Year
A - HOSPITAL ASSISTANCE
  - Hospital Internment                            90%              € 15.000,00         --
  - Surgeries
B - MEDICAL ASSISTANCE
   - Medical Expenses / Consultations                                                   First
(Maximum €50,00/ Per Consultation                  90%                 € 1.500,00     € 35,00
)
   - Auxiliary Means of Diagnosis                                                      Year
   - External Hospital Assistance
   - Treatments



                                       MULTICARE Health Card Network
                                                     (Direct Payment)
                Covers                           Refund        Maximum               Excess
                                                              Person / Year
A - HOSPITAL ASSISTANCE
   - Hospital Internment                           90%              € 15.000,00         --
   - Surgeries
B - MEDICAL ASSISTANCE
    - Medical Expenses / Consultations                                                  First
(Maximum €50,00/ Per Consultation                  90%                 € 1.500,00     € 35,00
)
 - Auxiliary Means of Diagnosis                                                        Year
    - External Hospital Assistance
    - Treatments




                                         TOTAL ANNUAL PREMIUMS FOR 2009

Plan 1                                                             A                  A+B

AFPOP Members………………….................... €122,28                                     €286,73

Descendants .................................................    €78,50              €183,44
                                                      PLAN 2
                                                  Age Limits
           New Members - 65 Years old                             Permanence - 75 Years old

                                                        Refund
               Covers                        Refund              Maximum           Excess
                                                                Person / Year
A - HOSPITAL ASSISTANCE
  - Hospital Internment                         90%               €27.500,00            --
  - Surgeries
B - MEDICAL ASSISTANCE
   - Medical Expenses / Consultations                                                First
(Maximum €50,00 / Per consultation)             90%               €1,500,00         €35,00
   - Auxiliary Means of Diagnosis                                                    Year
   - External Hospital Assistance
   - Treatments
C - Daily Subsidy                           €75,00 / Day           90 Days          4 Days




                                    MULTICARE Health Card Network
                                                (Direct Payment)
               Covers                        Refund        Maximum                 Excess
                                                         Person / Year
A - HOSPITAL ASSISTANCE
  - Hospital Internment                         90%               €27.500,00            --
  - Surgeries
B - MEDICAL ASSISTANCE
   - Medical Expenses / Consultations                                                First
(Maximum €50,00 / Per consultation)             90%               €1,500,00         €35,00
- Auxiliary Means of Diagnosis                                                       Year
   - External Hospital Assistance
   - Treatments
C - Daily Subsidy                           €75,00 / Day           90 Days          4 Days




                                TOTAL ANNUAL PREMIUMS FOR 2009

Plan 2                                                 A                        A+B+C

AFPOP Members………………….......... € 136,34                                         €363,59

Descendants ......................................... € 86,76                   €233,02
                                     HEALTH INSURANCE – Procedures

                                                 1) In Multicare Network

USE YOUR MULTICARE CARD AND GO TO HOSPITALS / CLINICS / DOCTORS WITH AGREAMENT WITH
MULTICARE AND YOU ONLY HAVE TO PAY 10% OF THE EXPENSES (PLUS ANNUAL EXCESS WHEN
APPLIED).



                                             2) Outside Multicare Network

    •   CONSULTATIONS: Present receipts of payment (originals) with the name of the doctor; medical speciality; fiscal
        number and address;

    •   EXAMS; ANALYSIS; TREATMENTS: Along with receipts of payment, you must also present medical report with
        diagnosis and date when the symptoms started and; medical prescription for the (exams); (analysis);
        (treatments);

    •   ACCIDENTS: Along with the receipt and the medical report, please present written description of the accident,
        indicating when; where; what happened and; what you were doing when the accident happened;

    •   INTERNMENT:

             o   For health situations: receipts of payment with detailed invoice of the expenses + medical report (including
                 date when the symptoms started) + evolution of the clinical situation + medical report of the exams; analysis;
                 made before the internment;
             o   For (personal) accidents: receipts of payment with detailed invoice of the expenses + medical report with
                 diagnosis and evolution of the situation + medical report for the exams before the internment + Accident Claim
                 Report (request this document from MEDAL).

NOTE I: All receipts must present Doctor’s name; he’s professional number and; Indicated medical speciality and what
medical procedure it refers to.

    •   OUTSIDE PORTUGAL: You are covered up to 60 days outside Portugal, for medical emergency or personal
        accident (Check ACCIDENTS above). Receipts of payment must be presented along with medical report
        confirming emergency or accident, in Portuguese or English or translated into Portuguese or English.

NOTE II: Do NOT present receipts for treatments; analysis; exams; internment; without the documents indicated above. You
have 120 days to present the documentation. It is preferable that you present ALL DOCUMENTS at the same time in order to
avoid weeks or months of delay to receive the money from the Insurance Company.

DON’T FORGET TO ASK YOUR DOCTOR TO GIVE YOU ALL DOCUMENTS NECESSARY TO PRESENT TO THE
INSURANCE COMPANY.
…………………………………………………………………………………………………………………......

Please Note: *There is annual excess of €35, 00 for which you are responsible;
             * Medical consultations are covered up to € 50, 00 maximum – other medical procedures are
              covered by 90% of the total amount on the medical receipt(s).

Exclusions: Medicines; Check-up; Alternative healthcare (acupuncture; homeopathy; etc.); Dentist; Spectacles; Plastic surgery
for beauty proposes; Health problems started before the insurance; Car and organized sports activities accidents; Treatments in spas
or related establishments not considered clinics or hospitals; HIV, hepatitis or sexual treatments; Psychic treatments; Pregnancy;
Clutches and special (medical) clothing or any kind of medical articles/instruments; Professional Illness, etc…
Physiotherapy is only considered when medical prescription is presented.
This list is in order for the renewal of 2009.

				
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