Corporate HealthNet Plus 公司僱員健康網

Transcription

1 Corporate HealthNet Plus 公司僱員健康網

2 Bupa --- Your choice for health protection Bupa The UK s largest health insurer Bupa was founded in Since then, it has gone from a UK company to a major global name in private health and care, with over 11 million insurance customers around the world. Bupa operates in the UK, America, Australia, New Zealand, Spain, Latin America, Hong Kong, China, Thailand, India and Saudi Arabia. Our businesses range from health insurance to care homes for the elderly, from hospitals to health assessments and chronic disease management. Group revenue in 2010 was approximately 7.58 billion (HK$92 billion) 1. As a provident association, Bupa has no shareholders and all profits are reinvested to improve our healthcare services. Bupa Hong Kong A health insurance specialist for 35 years Over the past 35 years, Bupa Hong Kong has become well known for its quality health insurance service. It is now the second-largest medical insurer in Hong Kong 2. As a leading provider, we are trusted by over 230,000 members and about 2,300 companies, safeguarding individual s and employees health. For 15 years in a row, we have been recommended by the Hong Kong Government to provide quality health insurance schemes to civil servants , , ,400 Bupa is the first insurer to offer lifelong guaranteed renewal of individual health insurance to ensure members are covered during old age. Bupa s medical network boasts around 2,400 doctors and medical service providers, making it the largest in Hong Kong. We pioneered the medical card service, enabling members to receive treatment without cash payment or the hassle of submitting claims. 1 Source Bupa Annual Report 2010; Exchange rate: 1 = HK$12.12 (as at 31 December 2010) 2 Source Annual General Insurance Business Statistics, Office of the Commissioner of Insurance, = ( )

3 We care for you and your employees by offering an easy to follow and flexible health insurance scheme that reduces your administration workload and keeps your employees healthy. 保柏關心您及您的僱員, 現特別為您提供 一個管理簡易 保障全面又靈活的醫療 保障計劃 ; 此計劃除可保障您的員工 健康外, 亦同時減少您在行政上 的工作量 3

4 Your wise choice to health with Bupa Taking care of the lives in our hands 健康至上 唯有保柏全力保障 4

5 This scheme is designed for companies operating in Hong Kong with 5-50 employees Eligibility for enrolment: All full time employees aged under 65 Employees' spouses aged under 65 Employees' unmarried child(ren) aged between 15 days and 17, or under 23 years if in full time education (with valid proof) Features highlight: 24-hour worldwide cover Choice of 3 levels, 9 plans and dependant cover Compulsory Hospital and Surgical Benefit (100 percent reimbursement) Free Top-up Medical Benefit, Hospital Cash Benefit and Bupa Worldwide Assistance Programme (including an extra HK$120,000 top-up medical cover for eligible hospitalisation immediately after repatriation to Hong Kong) Optional Clinical Benefit with Chinese Herbalist and Chinese Bonesetter Benefit plus free Dental Benefit Access to around 1,700 doctors and medical service providers in Hong Kong and Macau with Bupa HealthNet Card to enjoy full cover % 12 1,700 80% 100% 30 Choice of 80 percent or 100 percent reimbursement and up to HK$30 co-payment for eligible medical expenses for clinical consultation outside network and within network respectively For details, please refer to relevant sections and the Contract. 5

6 1. Total peace of mind A Bupa group member (covered for at least 6 months) is eligible to join our designated individual scheme upon his / her retirement or termination of employment Renewal of our individual scheme is guaranteed regardless of member's age or health status with no individual loading 2. Easy enrolment No health examination, no health declaration and no individual underwriting are required One subscription rate for members under the same plan All eligible children in the same family will be considered as one member for subscription calculation Simply complete and return the application form with member details and relevant subscription payment to us 10 working days before month end, the contract will take effect on the 1 st day of the following month 3. Superior services Direct claim reimbursement to employee s bank account Dedicated Customer Care helpdesk with 24-hour automated fax service via telephone Access to 24-hour online services via Bupa Active where a member can check claim status or membership details, search network doctors, and the scheme administrator can also submit members movements online Membership guide for each employee In an effort to best promote the wellbeing of our members, Bupa s commitment to members is incomparable

7 Major Exclusions Though you will be covered for most eventualities, there are certain things that Bupa will exclude. To enhance the transparency of our contract, some of the key things we cannot cover are listed below: 1. Illnesses or injuries that existed before the Coverage Commencement Date of Member; 2. Treatment or investigation which is not Medically Necessary; 3. Venereal disease, or AIDS or HIV-related conditions which originate during the first five years of membership; 4. Congenital, Developmental or Hereditary Conditions; 5. 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; 6. Treatment related to pregnancy, infertility, sterilisation, sexual dysfunction; 7. Treatment arising from war or terrorism, or whilst serving in the armed forces, criminal acts or professional sports; 8. Cosmetic treatment, any treatment or investigation related to dental or gum conditions (unless Dental Benefit is available) except for Emergency treatment arising from Accidents or the extraction of impacted wisdom teeth during Hospital Confinement; 9. Rest cure, general check-ups, hearing or eye tests, or vaccinations, or alternative treatment (eg Chinese Medicines treatment, acupuncture, acupressure, Tui Nai, hypnotism, rolfing, massage therapy, aromatherapy, etc, unless Benefit is available); 10. Use of special braces or other equipment (eg wheel chairs, crutches, etc), blood or blood plasma; 11. Non-medical services (eg medical reports, telephone charges, etc); 12. Experimental or new medical technology (unless approved by Bupa). In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail. All terms and conditions are subject to the Contract. 7

8 Unit 8E Golden Sun Centre 223 Wing Lok St Sheung Wan HK Tel. (852) Fax (852) Bupa (Asia) Limited 18/F, DCH Commercial Centre, 25 Westlands Road, Quarry Bay, Hong Kong Telephone (852) Facsimile (852) Website MP045/7/1111/6K Printed on recycled paper