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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 1947. 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
Full cover for hospital and surgical expenses This scheme covers up to HK$4 million per year (1) to fully reimburse a wide range of hospital expenses (3) at semiprivate room level. You won t have to worry about incurring shortfalls due to individual item limits. Your cover will also be restored every year without any limit on the total of eligible medical expenses you can claim during the lifetime. If you choose to have your treatment performed by a Bupa appointed specialist, your surgeon fees and in-patient specialist fees will also be fully covered (3). 3
Enhanced protection and discounts when enrolling as a family When you enrol with your family, this scheme provides an additional family benefit (2) of up to HK$2 million, potentially boosting a member s cover to as high as HK$6 million every year (4). This benefit can be shared among family members in the contract depending on who needs extra cover. With the family subscription discounts, you will also enjoy better value when enrolling with more family members. 4,000,000 HK$4 million 4,000,000 HK$4 million + 1,000,000 HK$1 million = + 2,000,000 HK$2 million = 5,000,000 HK$5 million 6,000,000 HK$6 million Cashless treatment and no claim hassle With your Bupa medical card, you may enjoy the convenience of cashless treatment at designated private hospitals (5) and Bupa appointed clinics (if Clinical Benefit is opted for) in Hong Kong (6). You won t need to make payments or claims as we will settle your expenses directly with the hospital or doctor (7), so you can simply focus on getting better. For overseas hospitalisation, you can enjoy the same service at the Bupa network hospitals around the world by calling Bupa to make the necessary arrangements (6). More affordable healthcare with deductible options This scheme offers three 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. Enhanced cover by including your pre-existing conditions You will have the option to cover certain pre-existing conditions that have occurred before your enrolment, usually common illnesses, with additional individual subscription. This amount is determined at the point of your enrolment as a fixed percentage of your total plan subscription (8). This percentage does not change subsequently even with changes in your health condition. 4
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Flexibility to tailor your plan This scheme offers several optional benefits including Clinical Benefit, Maternity Benefit and Dental Benefit. When you enrol with your family, you have complete flexibility to tailor different packages that are right for you and your family members. Under the Clinical Benefit, your out-patient expenses are fully covered (1) if you receive medical services at any Bupa appointed clinics and medical diagnostic centres. You can also visit other doctors of your choice and receive reimbursement up to the maximum benefit limits under Non-network Benefit. Guaranteed lifetime renewal Bupa guarantees that your cover can be renewed for life. Your subscription will be based on your age only no matter how much you claim on conditions arising after your membership starts (9). 6
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When my one-year-old son contracted meningitis, it was one of the scariest periods of my life. I thought it was just the common flu when I first noticed his fever and loss of appetite in the afternoon. I convinced myself that he would be fine after taking some fever medicine and getting enough rest. I became more and more uneasy when my son started crying in the middle of the night. His fever had not subsided and he just didn t seem like his usual self. Thankfully, I remembered that I could call Bupa s 24-hour Healthline for help. After asking me a few questions about my son s condition, the nurse on the line recommended that I take him to see a doctor as soon as possible and referred me to the 24-hour clinic nearest our home. We were very worried when the doctor told us to send him to the hospital straightaway for further tests. At the hospital, the paediatrician confirmed that my son had bacterial meningitis and placed him on an IV drip for antibiotics treatment. I was really distressed and called Bupa again. Our Bupa Care Manager came to the hospital the next morning to help us with the paperwork and advise us on our benefits. I was so grateful that I could leave these matters to her while my husband and I focused on looking after my son! She helped to handle all the admission and discharge procedures. Her genuine care and concern for us really warmed our hearts. Fortunately, my son was discharged a week later. The doctor told us that we were very lucky that he was diagnosed and treated in time. Looking back, I dare not to think what would have happened if I wasn t able to turn to Bupa for help that night. I cannot thank Bupa enough for being there for us when we needed it most. 8
11 12 13 13 11 12 670 4,600 8,600 15 15 15 15 87,000 50,000 21,200 9,000 6,800 50% reimburse 50% of all eligible medical expenses) 16 16 9
17 17 1,800 330 660 610 485 485 250 250 3,250 3,180 50 20 Maximum number of visits for both Network Benefit and Non-network Benefit in aggregate per Contract Year for items 1-7 is 50 in total, with a sub-limit of 20 visits per Contract Year for items 6-7. Subject to a maximum of one visit per item per day. 10
23,800 35,700 11,900 515 2,570 18 18 18 18 The HealthPro Concierge Service gives you access to personal healthcare support delivered by a team of doctors, qualified nurses and healthcare professionals including: 24-hour Healthline: 24/7 guidance on health-related queries, suggesting suitable course of action based on your symptom and condition Doctor Referral: recommend doctors for your specific condition Care Manager: a personal Care Manager will follow you throughout your hospital stay in local private Hospital to help you with hospital admission and claims Second Medical Opinion: clarify any doubts about your diagnosis and proposed treatment by obtaining medical advice from a global panel of medical specialists Chronic Conditions Programme: lifestyle coaching and follow up services to help you manage chronic conditions such as diabetes and hypertension 19 19 19 19 11
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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 Programme 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. 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. Any charges for the procurement or use of special braces and appliances, including but not limited to spectacles, hearing aids and other equipments such as wheel chairs and crutches. 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. 13
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