Hang Seng Bank strives to provide quality health insurance services to customers and jointly offers a range of medical protection schemes with Bupa.

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3 Hang Seng Bank strives to provide quality health insurance services to customers and jointly offers a range of medical protection schemes with Bupa. A health insurance specialist in Hong Kong, Bupa is part of the Bupa group established in the UK in The Bupa group is now a leading international healthcare organisation serving 32 million customers in more than 190 countries through diversified services including health insurance, hospitals, primary care and dental centres, workplace health services, home healthcare, health assessments, chronic disease management services, nursing and residential care for elderly people. 2

4 Full cover for hospital and surgical expenses (1) This scheme provides generous worldwide cover of up to HK$30 million every year without any limit on the total covered medical expenses you can claim during your lifetime, giving you full peace of mind to receive the best treatment anywhere in the world for as long as you need it. Your benefits will be the same even if you are travelling or staying overseas, with hospital and surgical expenses such as surgeon fees, intensive care and treatment for critical illnesses like cancer covered in full up to your overall annual limit at private room level (1). Flexibility to tailor your plan This scheme offers an optional Clinical Benefit. If you opt for the Clinical Benefit, you can also choose to add Dental and Optical Benefit. When you enrol with your family, you have the freedom to tailor different packages that are right for you and your family members. Covers a wide range of therapies after discharge We are committed to providing you with comprehensive care beyond your hospital stay. That s why we have included five types of post-hospitalisation out-patient benefits in this scheme to support your journey back to recovery: Psychological Counselling Dietetic Consultation Occupational Therapy Speech Therapy Chinese Herbalist Consultation and Acupuncture 3

5 Flat subscription rate for customers above 60 Most health insurance will increase your premium as you get older, making it more expensive for you to keep your health insurance as you age. This scheme offers a flat subscription rate for customers above the age of 60 (2). So this makes it easier for you to plan your finances after retirement. Free medical check-up Regular health screening is important for early detection and early treatment of illnesses. Therefore, your cover comes with a free comprehensive health assessment at designated health screening centres every year, starting from your second year of membership. Alternatively you can choose your own health screening centre and claim up to HK$4,000 worth of medical check-up. Enhanced cover by including your pre-existing conditions You will have the option to cover certain pre-existing conditions (usually common illnesses) that have occurred before your enrolment, by paying an additional individual subscription amount. This amount is determined at the point of your enrolment as a fixed percentage of your total plan subscription (3). This percentage does not change subsequently even with changes in your health condition. Cashless treatment and no claim hassle With the Bupa medical card, you can enjoy the convenience of cashless treatment at designated private hospitals (4)(5) and Bupa appointed clinics in Hong Kong. For overseas hospitalisation, you can enjoy this service at the Bupa network hospitals around the world by calling Bupa to make the necessary arrangements. You won t have to worry about bills or claims as we will settle your covered expenses directly with the hospital or doctor (6). If you pay for your expenses without using this service, you can easily submit your claim online. More affordable healthcare with deductible options This scheme offers four deductible options for the Hospital and Surgical Benefit, giving you flexibility to decide the amount you will contribute each year towards your medical expenses before receiving reimbursement from Bupa. A deductible lowers your subscription significantly. If you are enrolling with your family, each member is free to choose a different deductible option. The deductible does not apply to any optional benefits such as Clinical Benefit. That means you will receive reimbursement once you incur eligible medical expenses under such optional benefits. 4

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7 Guaranteed lifetime renewal Bupa guarantees that your cover can be renewed for life. Your subscription will only be based on your age (2) no matter how much you claim on conditions arising after your membership starts (7). Discounts when enrolling with your family You will enjoy family subscription discounts on the Hospital and Surgical Benefit when enrolling with your family members: 2 members: 10% discount 3 or more members: 15% discount 6

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9 I still remember the day when I discovered a lump in my breast. I had a feeling that something was wrong and immediately called Bupa to get advice. They recommended several specialists and helped me to make an appointment with the doctor as soon as possible. When the doctor confirmed that I had breast cancer, I was devastated. He presented me with a few treatment options but I was too distraught to pay any attention. Thankfully, I could turn to my Bupa s Care Manger for help. She patiently explained my options and benefits again to me while addressing my questions and concerns. I was confident that I had all the information I needed to make the best decision for my health and that was right for me. Bupa s Care Manager was also there to oversee every detail when I went for my mastectomy (surgical removal of the breast), from handling the paperwork for hospital admission, discharge and claims to arranging for a taxi to send me home after I was discharged. She really took care of me in every aspect, such as sending me cancer and health information, sharing dietary advice and referring me to support groups. That s not all when I started on my chemotherapy, she would call me regularly to find out how I was doing. Thanks not only to the doctors and nurses that delivered my treatment, but also to Bupa for being there with me every step of the way. 8

10 人工裝置 ( 以終生計 ) Prosthetic Device (Each life) 每項目 100,000 each item 懷孕併發症 ( 每合約年度計 ) Complications of Pregnancy (Each Contract Year) 必須連續受保於此合約 個月或以上方可獲得賠償 This Benefit is payable provided that the Member has been continuously covered under the Contract for months or more 0, 善終服務及緩和治療 ( 以終生計 )Hospice and Palliative Care (Each life) 100,000 9

11 額外出院後門診護理 Additional Post-hospitalisation Out-patient Care 項目 支付出院 日症手術或診所手術後 90 日內的跟進門診費用 Items cover the expenses of follow-up out-patient visits within 90 days after discharge from Hospital, day case surgery or clinical operation. 20 出院後心理輔導 ( 只限診症費 ) Post-hospitalisation Psychological Counselling (Consultation fee only) () 須獲主診註冊西醫書面轉介及由心理學家進行 Subject to written referral () from the attending Registered Medical Practitioner and must be performed by a Psychologist 21 出院後營養諮詢 ( 只限診症費 ) Post-hospitalisation Dietetic Consultation (Consultation fee only) () 須獲主診註冊西醫書面轉介及由營養師進行 Subject to written referral () from the attending Registered Medical Practitioner and must be performed by a Dietitian 22 出院後職業治療 ( 只限診療費 ) Post-hospitalisation Occupational Therapy (Treatment fee only) () 須獲主診註冊西醫書面轉介及由職業治療師進行 Subject to written referral () from the attending Registered Medical Practitioner and must be performed by an Occupational Therapist 23 出院後言語治療 ( 只限診療費 ) Post-hospitalisation Speech Therapy (Treatment fee only) () 須獲主診註冊西醫書面轉介及由言語治療師進行 Subject to written referral () from the attending Registered Medical Practitioner and must be performed by a Speech Therapist 24 出院後中醫師診治及針灸 Post-hospitalisation Chinese Herbalist Consultation and Acupuncture 賠償診症及針灸治療費用 ( 包括於診治當日由註冊中醫在診所處方並由合法來源取得的基本醫療必需中藥費用 ) Covers consultation and acupuncture fees (including basic Medically Necessary Chinese Medicines prescribed at the Registered Chinese Medicine Practitioner's clinic on the same day of consultation and obtained from a legitimate source) 每次 1,500 each visit ( 每合約年度最多 10 次 Up to 10 visits each Contract Year) 每次 700 each visit ( 每合約年度最多 10 次 Up to 10 visits each Contract Year) 每次 600 each visit ( 每合約年度最多 10 次 Up to 10 visits each Contract Year) 每次 1,000 each visit ( 每合約年度最多 5 次 Up to 5 visits each Contract Year) 每次 600 each visit ( 每合約年度最多 20 次 Up to 20 visits each Contract Year) 10

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13 13 13 由第二個合約年度開始提供, 每名會員每年可於指定之健康檢查中心接受免費身體檢查一次, 或自由選擇及換領價值港幣 4,000 元的身體檢查, 助你及早察覺可能出現的健康問題 有關檢查詳情, 請參考換領券 此身體檢查適合 18 歲或以上的會員 Each Member can enjoy a complimentary medical check-up provided by the designated health screening centres or redeem up to HK$4,000 worth of medical check-up of your own choice once a year starting from the second Contract Year. This can help you identify potential health problems. Please refer to the redemption coupon for full details. This medical check-up is suitable for Members aged over 18.

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15 The followings are the general exclusions to help you understand your coverage before enrolment Pre-existing conditions (unless such conditions have been disclosed in the application and accepted by Bupa to be covered under the contract and, if applicable, with an upward adjustment to the amount of subscription which shall be notified in writing). For the avoidance of doubt, the General Exclusions under the Free Bupa Worldwide Assistance Program Clause of the contract applies notwithstanding any pre-existing conditions covered under the contract. Treatment, medical service, medication or investigation which is not medically necessary. Any illness or injury for which compensation is payable under any laws or regulations or any other insurance policy or any other sources except to the extent that such charges are not reimbursed by any such compensation, insurance policy or sources. Any charges for accommodation, nursing and services received in health hydros, nature cure clinics, convalescent home, rest home, home for the aged or similar establishments. Any charges in respect of surgical or non-surgical cosmetic treatment, or hearing tests, routine blood tests, general check-ups, vaccinations or inoculations, Hair Mineral Analysis (HMA), health supplements or body weight control, eye refraction including but not limited to routine eye tests or any costs of fitting of spectacles or lens (unless benefit is available). Congenital conditions, developmental conditions or hereditary conditions. Treatment that commenced during the first five years of the member s coverage commencement date of the contract and which in any way arises from, is attributable to, or is consequential upon Human Immunodeficiency Virus Infection. Sexually transmitted (venereal) diseases or their sequel. Treatment relating to pregnancy, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage (unless benefit is available); birth control or sterilisation of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; sexual dysfunction including but not limited to impotence, erectile dysfunction and premature ejaculation, regardless of cause. Misuse or overdose of drugs or being under the influence of alcohol, selfinflicted injuries or attempted suicide. Treatment relating to any illness or injury resulting from participation in criminal activities. Alternative treatment including but not limited to Chinese medicines treatment, acupuncture, acupressure, Tui Na, hypnotism, rolfing, massage therapy, aromatherapy (unless benefit is available). Senile Dementia (including Alzheimer s disease), Parkinson s disease. Psychological or psychiatric condition(s) of any and all kinds, including but not limited to psychoses, neuroses, depression, anxiety, anorexia nervosa, schizophrenia, behavioural disorders, delirium, insomnia, neurasthenia (unless benefit is available). Any charges for the procurement or use of special braces and appliances, including but not limited to spectacles, hearing aids and other equipment such as wheel chairs and crutches (unless benefit is available). Any treatment or investigation related to dental or gum conditions (unless benefit is available) except for emergency treatment arising from accidents or the extraction of impacted wisdom teeth during hospital confinement. Followup treatment from such hospital confinement shall not be covered. Treatment arising from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or terrorist acts. Non-medical services, including but not limited to guest meals, radio, telephone, photocopy, taxes (except the Value-Added Tax or Goods and Services Tax for medical services), medical report charges and the like. Experimental and/or new medical technology or procedure not yet approved by Bupa. Any consequence or loss which is a direct result of nuclear reactions or radioactive fallout. Any of the following traditional Chinese medicines: cordyceps, ganoderma, antler, cubilose, donkey-hide gelatin, hippocampus, Ginseng, red ginseng, American Ginseng, Radix Ginseng Silvestris, antelopehorn powder, placenta hominis, Agaricus blazei murill, musk and pearl powder. INSBUPA3T3BC10/17S(BP)R4A 14

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