Optional Maternity Rider

US$50,000 lifetime maximum

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Benefits include:

• Pre- and post-natal care
• Maximum of US$5,000 for normal delivery for each pregnancy
• Maximum of US$7,500 for C-section delivery for each pregnancy
• Well baby care and treatment of newborn for first 31 days
• Child wellness benefits of up to US$200 maximum per period of coverage (not subject to deductible or coinsurance) for eligible newborn children for the first 12 months
• Must be selected at time of initial purchase of plan
• Benefits available after 10 months of continuous coverage
• Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth
• Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage