Medical care in many international locales is directed and managed through centralized state-controlled care and distribution where the population shares the medical resources. In many of these international destinations, private health care systems have been independently developed by international health care organizations in support of the local, global "ex-pat" labor force that resides in those destinations. Private medical provider networks and other medical services fall outside of the public domain, and their resources are allocated on a first-come, first serve the ability to pay basis.

In China, the following AXA Insurance medical policy benefits* are included in our Personal Wellness Advantage membership at no additional charge for all China-based residents and members. All benefits provided within the AXA Insurance policy are provided without any deductible or co-payment required, provided that all sought treatment is scheduled and managed through EMG's DigitalClinic™. A complete description of the benefits plan is provided on the following pages and delivered directly by AXA Insurance, Incorporated (www.axa.com).

At EMG®, we take great pride in providing the most effective care for our members' health and well-being and will always offer provide our members the finest, most progressive medical care available. For questions or member service, please contact EMG® member support at: support@emgpwc.com, or you can always receive immediate assistance on any of our social media platforms @ EMGPWC.

Core Care™ Medical Benefits for China

EMG's Core Care™ Medical Benefits Supplement is a continuation of our deep engagement to wellness and healthy lives in collaboration with health care providers committed to delivering coordinated, quality, and affordable care to our members across our international consortium of large national networks and focused more cost-efficient local networks. Our personalized preventative care, whole health approach, and professional guidance help our members to access the appropriate level of quality care at the right time, every time. For a complete schedule of benefits, please request here:

Core Care™ Medical Benefits

Core Care™ Medical Benefits

	AXA SmartCare Elite China Mainland, Hong Kong, Taiwan	Axa SmartCare Elite Worldwide
Inpatient Advantage Annual Limit for Parts 1-7	13,000,000 rmb	28,000,000 rmb
Part 1 Hospitalization Benefit
Optional Deductible	Nil	Nil
Daily Room & Board Limit (per day)	Standard Private Room	Standard Private Room
Intensive Care Unit	Full Advantage (FC)	Full Advantage (FC)
Hospital Miscellaneous Expenses (Prescription drugs, inpatient diagnostic procedures, Nursing, Operating Theatre Charges)	Full Advantage	Full Advantage
Inpatient Physiotherapy*, Ambulance service, Surgeon’s Fees Anesthesiologists’ Fee, Inpatient Physician’s Visit	Full Advantage	Full Advantage
Home Nursing* (Max 90 days per disability)	Full Advantage	Full Advantage
Immediate Family Accommodation* (Max 90 days per disability)	Full Advantage	Full Advantage
Pre-hospitalization or Pre-day Surgery Specialist Consultation. (Up to 90 days before admission, limited to one time per each condition)	Full Advantage	Full Advantage
Pre-hospitalization or Pre-day Surgery Diagnostic Services (Up to 90 days before admission, limited to one time per each condition)	Full Advantage	Full Advantage
Post-hospitalization or Post-Day Surgery or Post-day Surgery Treatment: (Within 90 days immediately following the date of the last discharge from hospital)	Full Advantage	Full Advantage
Rehabilitation treatment* Up to 28 days per policy year	Full Advantage	Full Advantage
Inpatient Psychiatric Treatment* Up to 30 days per policy year after 180 days of Continuous Advantage under the plan.	Not Covered	Not Covered
Part 2: Major Organ Transplant	Full Advantage	Full Advantage
Part 3: Artificial Prosthesis (Surgical Implants)	Full Advantage	Full Advantage
Part 4: Cancer Treatment & Outpatient Kidney Dialysis	Full Advantage	Full Advantage
Part 5: Outpatient Emergency Dental Treatment (due to accident only)	Full Advantage	Full Advantage
Part 6: Outpatient Emergency (due to accident only)	Full Advantage	Full Advantage
Part 7: Usage of High-Cost Provider	Not Covered	Not Covered
Part 8: Emergency Assistance Service & Benefits	Full Advantage	Full Advantage
Outpatient Advantage
Annual Limit (Limit to 1 visit per day per disability)
Deductible / visit	Nil	Nil
Clinical Consultation, Specialist Consultation, Prescription Drugs & Medicine*	Full Advantage	Full Advantage
Physiotherapy & Chiropractic Treatment* (Max 10 visits per year)	Full Advantage	Full Advantage
X-Ray and Laboratory Fees*	Full Advantage	Full Advantage
Chinese Herbalist, Bonesetter, and Acupuncturist*	10 visits/yr, 1000 rmb max	12 visits/yr no limit
Routine physical examinations, health screening & health check-ups, and vaccinations, optical care* (Benefit limit Per Year)	3000 rmb max	5000 rmb max
Usage of High-Cost Provider	Not Covered	Full Advantage
Dental Advantage
Annual Limit	5,000 rmb	10,000 rmb
Co-Payment	25%	25%
Nature dental treatment including fillings, build ups, extractions (excluding wisdom teeth) x-rays, root planning, root canal treatment, periodontal treatment and dentures.
Nature dental treatment including fillings, build ups, extractions (excluding wisdom teeth) x-rays, root planning, root canal treatment, periodontal treatment and dentures.
Usage of High-Cost Provider	Not Covered	Covered
Maternity Advantage
Annual Limit	80,000 rmb	140,000 rmb
Waiting Period	180 days	180 days
Co-Payment	Full Advantage	Full Advantage
Normal Delivery, Cesarean* termination of pregnancy* Miscarriage* Complications arising during the antenatal period and childbirth* Medically necessary costs for newborn for first 15 days.	Full Advantage	Full Advantage
Usage of High-Cost Provider	Not Covered	Full Advantage

Product availability may vary by location and plan type and is subject to change. All health insurance programs and health benefit plans contain exclusions and limitations. For costs and complete details of Advantage, contact your EMG® program representative.