"We were traveling abroad and we were involved in a serious traffic accident. We were admitted toare still staying in a hospital!" On February 16, 2016, Cigna & CMB received a call from a female customer through its 24/7 service hotline. The customer and her friend were involved in a traffic accident while they were traveling in Australia, on February 6. She injured her feet and hands. She and was receiving treatment in a local hospital, but was eager to return home. Fortunately she remembered that she has purchased an insurance policy with from Cigna & CMB, which “might render international emergency services". So, she, hence her call toed the Cigna & CMB hotline.
Her call received the immediate attention of the company’s customer service Cigna & CMB hotline team. The customer had a policy of Endowment Assurance under the name “Zhizunban Zhenghai Yisheng”,with a total insured sum of CNY 150,000, with and an annual premium of CNY 6527, and. The customer was was entitled to international emergency services as value-added benefitsprovided by the insurer. The hotline team rapidly developed a solution in response to the situation and the customer’s needs,arranging a nurse to escort the customer by air and other services covering the transferit and medical care for the customer. The customer was flown to a hospital close

to where they live for further treatment. To the customer’s satisfaction, Cigna & CMB paid for all the services she received from the beginning to the end; covering such as the flight, medical consultation, evaluation and recommendation, guarantee for the hospitalized treatment, emergency transferit and medical repatriation.
The customer is now recovering and she expressed her sincere thanks for the professional and thoughtful overseas emergency services. She said she was lucky to have had such a policy with Cigna & CMB.

Insurance is not only a matter being reimbursed for the loss you have suffered. Today, with the view of constantly improving the customer experience, Cigna & CMB's insurance services are going beyond claim settlement, endowment and consultation services. It also provides a variety of value-added services, including international emergency rescue services, secondary medical services opinion, health management services, home phone doctor services, elderly care services* to meet the diversified needs and services of different customer groups, guaranteeing both financial insurance protection and thoughtful human-based services. It is Cigna's recommendation that youPlease check the value-added services that accompanyin your policy portfolio to prevent missing any privileges you are entitled to.
(*Note: Value-added services vary depending on the type of insurance products and other relevant conditions.)

　For the sake of his health, Mr. Sun does not drink alcohol or smoke. Recently, he had an X-ray examination after a cold and was diagnosed with pneumonia. The examination also showed a large cyst in his esophagus, which needed to be removed. When consulting a local third-grade, class-A hospital, he was told that the hospital was, then, short of beds and a possible solutiontheir suggested treatement would be to leave him to recover for a very long period. He was worried and wondered what he would do.
As a participant in acustomer of the high-end health insurance program ofin Cigna & CMB, Mr. Sun kept contact with Chloe, a case managermember of Cigna & CMB’sthe medical clincial team of the Company. Chloe proposed that Mr. Sun consider the secondary medical opinion services (independent medical opinions and solutions the insurer has acquired, through competent worldwide channels for the customer to consider, when in serious situations.)
In only Within just a week, two experts from Europe and USA, connected with Cigna's worldwide medical network, provided independent medical opinions for Mr. Sun and suggested he receive a minimally invasive surgery that requires a much shorter

recovery period. Through consultation and analysis, with the help of Chloe, and communication with the medical strong support from the local provider network team, Mr. Sun finally chosefound another third-grade, class-A hospital specializing in such surgery. The operation was a success, saving much expense and suffering, on the part of Mr. Sun.
Mr. Sun received all the treatment second opinion services free of charge, Chloe and her team actively tracked the treatment process, and located excellent overseas and domestic medical resources for Mr. Sun. He and his wife wrote a thankful letter of thanks to Cigna & CMBthe Company to express their gratitude.

The medical clincial team and the providermedical network team of Cigna & CMB's high-end health insurance business section, provide thoughtful, high quality insurance services, following its notion of Customer Centricity mindset and drawing on the global advantages of the Cigna Group, athe foreign partent company of Cigna & CMB. shareholder of the Company. Health insurance services should not be limited to claim settlement, but should include a series of comprehensive health management services and value-added services to provide an individualized customer experiences.