Bupa Your choice for health protection

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2 Bupa Your choice for health protection 保柏 - 您的健康保障之選 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 10 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 009 was approximately 6.94 billion (HK$87 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 one of the top three medical insurers in Hong Kong. As a leading provider, we are trusted by over 10,000 members and more than,000 companies, safeguarding individual s and employees health. For 14 years in a row, we have been recommended by the Hong Kong Government to provide quality health insurance schemes to civil servants. 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,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 009; Exchange rate : 1 = HK$1.55 (as at 31 December 009) Source: Annual General Insurance Business Statistics, Office of the Commissioner of Insurance, 009

3 Taking care of the lives in our hands 保柏 - 英國最大醫療保險保柏成立於 1947 年, 至今已由一所英國公司發展 為全球知名的私營醫療保健機構, 全球保險客戶人數超過 1,000 萬名 保柏業務遍佈英國 美國 澳洲 新西蘭 西班 牙 拉丁美洲 香港 中國 泰國 印度和沙特阿拉伯 業務範圍包括醫療保險 護老院 醫院 健康診斷 中心和長期疾病管理等服務 009 年的集團收入約 69.4 億英鎊 (870 億港元 ) 1 作為一間福利機構, 保柏不設股東, 因此可將所有 收入盈餘全用於改善我們的醫療保健服務上 保柏香港 -35 年的醫療保險專家 保柏香港在過去 35 年, 素以優質醫療保險服務見稱, 目前為本港三大醫療保險機構之一 作為業界之翹楚, 保柏為全港逾 1 萬名會員及超過,000 間企業所信賴, 保障個人及僱員的健康 我們更連續 14 年獲政府推薦, 為本港公務員提供 優質的醫療保險計劃 保柏是業內首間為個人客戶提供終生續保保證的保險公司, 確保會員年老時仍享有保障 保柏的醫療網絡約有,400 名醫生及醫療服務供應商, 全港最大 我們最先推出醫療卡服務, 讓會員 可預先獲得治療而無須支付現金, 免卻辦理索償的煩惱 1 資料來源 : 保柏 009 年度年報 ; 兌換率 :1 英鎊 = 1.55 港元 ( 以 009 年 1 月 31 日計 ) 資料來源 : 香港保險業監理署 009 年度一般保險業務年度統計 31

4 Bupa CarePro Easy steps to health 保柏卓康健 - 保障無價健康輕而易舉 The spread of serious diseases, new viruses and food contamination are all threats to our health. 隨著危疾年輕化 各類新病毒及食物安全問題湧現, 我們的健康難免受到威脅 Bupa CarePro provides excellent medical protection to members and offers a subscription discount. For a very reasonable fee, you and your family can enjoy comprehensive health protection, and receive quality medical treatment without any additional worries. No pre-payment to make, no claims to submit Bupa CarePro members who also apply for Supplementary Major Medical Benefit will receive a Bupa HealthCare Card. When you use the Bupa HealthCare Card at any local private hospital 3, no admission deposit is required and no payment is necessary upon discharge. Simply call Bupa and complete the quick and easy registration process before admission. Bupa will pay all eligible medical expenses for you directly. No claim renewal discount (NCB) Members who have made no claims within a specific period can enjoy a discount on their Hospital and Surgical Benefit. Contract years of Renewal discount no claim record -3 consecutive years 5% 4-5 consecutive years 10% 6 or more consecutive years 15% 3 Excluding the HK Anti-Cancer Society Jockey Club Cancer Rehabilitation Centre which is not a Hospital under the definition of this scheme 4 Only applicable to unmarried children aged 15 days to 17 years who enrol in Bupa Care Kid Extra Cancer Treatment and Kidney Dialysis Benefit At Bupa, we understand that cancer or kidney failure often requires prolonged treatment, so we offer additional coverage of up to HK$100,000 per year, making it easier for members to afford more costly advanced treatment options. If this coverage is fully claimed in any one year, it will be reinstated in the following year for the rest of your lifetime. Up to 50 percent discount on child subscriptions If parents enrol with Bupa together with their children, each child can enjoy a discount on Hospital and Surgical Benefit 4 for as long as the parent s membership continues. Number of insured parents Child discount 1 person 5% persons 50% The medical card makes things more convenient. I can seek medical treatment without paying in advance, and I need not bother with the bill or claim procedures. There s no need to worry. Mr Kwok has been a Bupa member for 14 years

5 保柏卓康健 計劃為會員提供卓越的醫療保障, 而且設有保費優惠 所費無幾, 您和家人的健康便得到全面的保障, 安心接受優質治療 住院免繳費 免索償服務投保 保柏卓康健 並自選附加醫療保障, 可獲發 保柏康健卡 憑卡入住本港任何一間私家醫院 3, 無需入院按金, 出院時不用繳費 您只須在入院前致電保柏完成簡單的登記程序, 我們便會直接向醫院支付合資格的醫療費用 無索償保費折扣 (NCB) 若您在指定期間未曾提出索償, 即可在續保時享有住院及手術保障的保費折扣優惠 無賠償紀錄之合約年度續保折扣連續 至 3 年 5% 連續 4 至 5 年 10% 連續 6 年或以上 15% 額外癌症治療及洗腎保障因應癌症或洗腎病者長期治療的需要, 保柏特別提供高達每年港幣 10 萬元之額外保障, 讓會員能負擔較昂貴的最新療法, 加速康復, 每年賠償額倘已耗盡亦可於翌年還原, 保障直至終生 offers worldwide 子女保費半價父母與子女同時向保柏投保, 每位子女均可享住院及手術保障的保費折扣優惠 4 在父母計劃生效期間, 便可一直享有子女保費折扣 父母投保人數子女折扣優惠 1 位 5% 位 50% Bupa CarePro coverage 醫療卡真的很方便, 我不用自己 先付醫療費, 可即時尋求醫治, 出院時又無須繳費及辦理索償手續, 令我無須費神 3 根據此計劃的定義, 香港防癌會賽馬會癌症康復中心並非醫院, 因此不包括在內 4 適用於出生 15 天至 17 歲的未婚子女投保 保柏童康健 郭先生擁有保柏會籍 14 年 3

6 Exclusive privileges for Bupa CarePro members 保柏卓康健 會員專享權益 Comprehensive and flexible worldwide cover Bupa CarePro offers worldwide cover for medical expenses. In addition to extensive cover from Hospital and Surgical Benefit, you can even tailor your health insurance package with an optional Clinical Benefit and Hospital Cash Benefit. You may also opt to top up your in-patient cover by choosing the Supplementary Major Medical Benefit. Higher cover thanks to per-surgery benefit You can claim up to the maximum benefit amount of surgical cover for each operation. As a result, you can enjoy higher cover than other schemes, which pay out claims against one benefit limit for all operations undertaken to treat the same disability. Lifelong guaranteed renewal Bupa guarantees that your cover can be renewed for life, regardless of any changes in your health after joining. No additional charges on individual basis Regardless of your claims history and state of health, there will be no increase in subscription on an individual basis upon contract renewal. No waiting period There is no waiting period, meaning you are covered as soon as your membership starts. 環球保障靈活全面計劃提供環球醫療保障, 除全面之住院及手術保障外, 您更可自選額外門診保障及住院現金保障, 設計個人醫療保障組合 如須增加住院保障金額, 可同時選擇附加醫療保障 手術費用賠償按每次手術計算有關手術費用的最高賠償額, 均以每次手術獨立計算, 比其他以每宗病症計算的計劃, 即將相同病症引起之所有手術費用, 都在同一項保障額內扣除, 實際上提供更高保額 保證一世續保投保後無論您的健康狀況有任何變化, 保柏均保證續保您的會籍, 直至終生 不收個人額外保費不論您的索償紀錄或健康狀況如何, 在您續保時保柏絕不收取個人額外保費 不設等候期在會籍生效後引致的醫療支出, 即可索償, 無須等候 投保簡易無須驗身, 快捷簡單 Easy enrolment Enrolment is quick and simple. No medical examinations are required. 4

7 Scheme options 計劃選擇 This scheme offers the following flexible cover options: 此計劃提供以下靈活的保障選擇 : Basic Hospital and Surgical Benefit You may opt for a ward, semi-private or private room according to your budget. Cover includes Room and Board, Miscellaneous Hospital Services, Intensive Care, Private Nursing, Surgeon and Attendance Fees, Anaesthetist s Fees, Operating Theatre Fees, In-patient Physician s Fees, In-patient Specialist s Fees, Cancer Treatment and Kidney Dialysis, Companion Bed, Preadmission and Post-hospitalisation Out-patient Care. Optional Supplementary Major Medical Benefit For hospital charges in excess of the maximum basic benefit limit 5, you will be reimbursed up to 80% of the difference, starting from the date of your admission. Same as the basic cover, the Supplementary Major Medical Benefit can be renewed for life. Optional Hospital Cash Benefit An additional cash allowance will be paid on a daily basis for any hospital stay, starting from the third day after admission. Free cover Bupa Worldwide Assistance Programme provides emergency overseas services such as admission deposit in the event of hospitalisation overseas and in Mainland China, unlimited cover for emergency medical escort, and an extra hospital benefit of HK$10,000 after repatriation to Hong Kong. Optional Clinical Benefit You can feel free to choose the most appropriate practitioner for you. This benefit covers treatments provided by general practitioners, specialists, physiotherapists, chiropractors, Chinese herbalists and Chinese bonesetters, as well as diagnostic imaging and laboratory tests, etc. Basic cover Optional cover Free cover Hospital and Surgical Benefit Supplementary Major Medical Benefit Clinical Benefit Hospital Cash Benefit Bupa Worldwide Assistance Programme 5 Supplementary Major Medical Benefit is not applicable to Pre-admission and Post-hospitalisation Out-patient Care under Hospital and Surgical Benefit and a small deductible is required 5

8 Scheme options 計劃選擇 基本住院及手術保障可按自己預算選擇大房 半私家房及私家房保障級別, 保障範圍包括住房及膳食費 住院雜費 深切治療 私家看護費 外科醫生費及巡房費 麻醉科醫生費 手術室費用 住院醫生巡房費 住院專科醫生費 癌症治療及洗腎 住院加床費 入院前及出院後之門診護理 自選附加醫療保障當住院費用超出基本計劃的限額時 5, 可獲賠償差額的 8 成, 賠償由住院首天計算 此附加醫療保障與基本計劃同樣可續保至終生 自選門診保障包括普通科醫生 專科醫生 物理治療 脊醫治療 中醫及跌打 診斷影像及化驗等, 可自由選擇醫生 自選住院現金保障按住院日數額外支付每日定額賠償, 由住院第 3 天起開始支付 免費保障保柏國際援助計劃提供海外及國內住院按金墊支服務, 全數支付緊急醫療運送費用, 並提供送返港後高達港幣 1 萬元的額外住院保障 基本保障住院及手術保障 Top-up benefit payable from the 1 st day of admission giving the best possible coverage Supplementary Major Medical Benefit means claims will be settled from the very first day of hospitalisation, provided that the actual medical expenses have exceeded the upper limit of basic Hospital and Surgical Benefit 5. Many other plans in the market only allow members to claim extra room expenses after 90 or even 10 days of hospitalisation. 附加醫療保障由首天賠償最好 保柏卓康健 計劃的附加醫療保障, 即使在 住院第一天, 若實際醫療支出超過基本住院及 手術保障上限時 5, 便會作出賠償 而市場上 有很多醫療保險計劃, 要求投保人須住院 90 日甚至 10 日後, 才可索償附加醫療保障的病 房費用 自選保障 免費保障 附加醫療保障門診保障住院現金保障保柏國際援助計劃 5 附加醫療保障不適用於住院及手術保障之入院前及出院後之門診護理, 並設有小額墊底費 6

9 Case Study: How to get the most from your plan? 個案分享 : 怎樣才可獲得較足夠的賠償? Generally speaking, you will enjoy greater health cover from a plan which pays out per operation rather than per disability. The following example demonstrates why: Mr Leung slipped on the stairs and had two operations for his ankle fracture in one year, incurring the following medical expenses. 賠償以 每手術計 比以 每病症計 的計劃一般能給您更高保障 請參看以下例子 梁先生因意外不慎由樓梯滑下引致足踝骨折 他於一年內, 入住私家醫院共進行了兩次連環手術, 費用如下 : 1 st operation: Closed reduction of ankle fracture with external HK$14,000 fixation including screws 首次手術 : 足踝骨折脫位後之閉合性復位及外固定手術 nd operation: Fixation and screws removal HK$7,000 第二次手術 : 足踝骨折之針及螺絲取出手術 Total cost 合共 : HK$1,000 Here is the difference of claim result: 賠償結果截然不同 : Claim basis 賠償方法 Plan 計劃 Surgical benefit limit 手術保障額 (ward, intermediate operation) ( 大房 / 中型手術 ) Actual claims paid 實際賠償金額 Difference 分別 Per operation 以 每手術計 Bupa CarePro (A) 保柏卓康健 HK$9,80 6 per operation 每手術 1 st claim 首次 : HK$9,80 nd claim 第二次 : HK$7,000 Total 總額 :HK$16,80 Plan A paid out 70% more than Plan B 計劃 (A) 的賠償額比計劃 (B) 多 70% Per disability 以 每病症計 Some other plans in the market (B) 市場上部分計劃 HK$9,80 7 per disability 每病症 1 st claim 首次 : HK$9,80 nd claim 第二次 : HK$0 Total 總額 :HK$9,80 The above figures are for illustrative purposes only. Actual treatment costs vary and figures may differ. 以上數字只供說明用途, 實際治療費用視乎情況而定, 有可能不同 6 The surgical benefit limit is based on the benefit amount of Bupa CarePro in Assuming other plans in the market provide the same coverage as Bupa CarePro for illustrative purposes 6 手術保障額根據 保柏卓康健 011 年的保障金額計算 7 假設市場上其他計劃的保障額與 保柏卓康健 相同, 以作說明用途

10 Claim Service pledge No claim procedure is required for admission with a medical card. For other hospitalisation and consultations, claims will be settled within 5-7 working days after full documentation is received 賠償服務承諾使用醫療卡入院, 無須索償 其他住院及門診賠償, 於收妥所需文件 5-7 個工作天內支付

11 FAQs 常見問題 1. Who is eligible to enrol? Anyone reaching the age of 18 is eligible to apply. There is no upper age limit.. Is my membership transferable if I move abroad? If you permanently relocate to another country, Bupa will help to arrange the transfer of your membership. 3. How can I check my Bupa membership details or the progress of a claim? Simply visit Bupa Active on our corporate website to access a host of online services. You will be able to update personal data and track your claims around the clock. Alternatively, you can call our Customer Care helpdesk to obtain assistance from our customer service advisers. 4. How can I pay my subscription? You can pay your subscription monthly or annually, according to your preference. 5. What should I note when using Bupa HealthCare Card? In order to enjoy this service, you need to complete a Hospitalisation Pre-admission Form and send it back to Bupa prior to hospital admission so we can approve your credit limit. Upon approval, a Guarantee of Payment letter will be issued. The claim form should be completed by the hospital before discharge. Please note that the approved credit does not reflect the final claim amount. This service is not applicable to excluded items, which must be paid for upon discharge. Bupa will charge members the difference between the hospital bills and eligible claim entitlements following hospital discharge (if applicable). 1. 適合哪類人士投保? 凡年滿 18 歲人士均歡迎投保, 並不設投保年齡上限. 若我永久移居海外, 我的會籍可轉移嗎? 若您永久移居到其他國家, 保柏會盡力助您安排會籍轉移 3. 成為保柏會員後, 若要查詢會籍資料或索償情況可怎辦? 您可登入保柏網站內的 保柏互動網, 使用 4 小時網上服務, 隨時更新個人資料及查閱索償申請進度 您亦可致電我們的客戶服務專線, 由客戶服務主任為您服務 4. 保費繳付方法如何? 可按自己的財務需要選擇月供或年供 5. 要享用 保柏康健卡 服務, 有甚麼要注意? 要享用這項服務, 只須於入院前填妥住院表格並交回保柏, 以便保柏批核有關信用額 成功批核後, 您會獲發一封住院付款保證信 出院時, 賠償表格由院方代勞填妥, 快捷方便 請注意所批核的信用額並不代表合資格賠償額 這項服務不適用於由不保事項引致的住院費用, 出院時您仍須向醫院繳付有關費用 保柏將會在會員出院後向其收取住院費用與合資格賠償額的差額 ( 如有 ) 9

12 Major Exclusions 主要不受保障項目 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: Conditions which exist before your effective date of membership (unless approved by Bupa) Treatment or investigation which is not Medically Necessary AIDS or HIV-related conditions which originate during your first 5 years of membership, or Sexually Transmitted (Venereal) Diseases Congenital, Developmental or Hereditary Conditions 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 Treatment related to pregnancy, infertility, sterilisation, sexual dysfunction Cosmetic treatment, any treatment or investigation related to dental or gum conditions except for Emergency treatment arising from Accidents or the extraction of impacted wisdom teeth during Hospital Confinement Treatment arising from war, terrorism, criminal acts, misuse or overdose of drugs or being under the influence of alcohol, self-inflicted injuries or attempted suicide Rest cure, general check-ups, hearing or eye tests, vaccinations, inoculations, Hair Mineral Analysis (HMA), health supplements, body weight control, or alternative treatments (eg Chinese Medicines treatment, acupuncture, acupressure, Tui Nai, hypnotism, rolfing, massage therapy, aromatherapy, etc) unless benefit is available Use of special braces or other equipment (eg wheelchairs, crutches), blood or blood plasma, non-medical services (eg medical reports, telephone charges, etc), experimental or new medical technology (unless approved by Bupa) In the event of any discrepancy in respect of the meaning between the Chinese and English version, the English version shall prevail. All terms and conditions are subject to the Contract. 儘管在大部分情況下, 保柏都可為您的醫療費用作出賠償, 但仍有一些事項屬除外責任 為提高合約透明 度, 我們列出以下主要不受保障項目以供參考 : 在會籍生效日期前已存在之病症 ( 除非經保柏批核 ) 不是醫療必需的治療或檢驗 成為會員首五年內, 由愛滋病或有關人體免疫力缺損病毒引致的疾病 ; 或性傳染疾病 先天性疾病 發育異常或遺傳性疾病 老年性痴呆 ( 包括亞爾茲海默氏病 ) 帕金森氏病 心理病或精神病症, 包括但不限於精神病 神經機 能病 抑鬱 焦慮 神經性厭食 精神分裂 行為失常 譫妄症 失眠 神經衰弱等直接或間接引致 的治療 與懷孕 節育 不育或性機能失常等有關之治療 整容或整形治療 任何與牙齒或牙肉疾病有關的治療或檢查, 因意外引致緊急入院治療或住院脫除阻 生智慧齒則除外戰爭 恐怖活動 刑事行為 誤用或服用過量藥物 或受酒精影響 蓄意自傷身體或意圖自殺而直接或間接引致的治療休養或療養 一般體格檢查 聽覺或視力測驗 預防注射 接種疫苗 毛髮礦物質含量分析 健康補品 體重控制 或另類治療 ( 例如中藥治療 針灸 穴位按摩 推拿 催眠治療 羅爾夫按摩療法 按摩治療 香薰治療等 ), 計劃內已包括之保障除外使用輔助器具或其他設備 ( 例如輪椅 柺杖 ) 血或 血漿 非醫療性服務 ( 例如醫療報告 電話費等 ) 試驗性或新治療技術 ( 除非經保柏批核 ) 中 英文之意思如有任何差別, 概以英文為準 所有條款及細則以合約為準 10

13 Free online health information 免費網上健康資訊 At Bupa, we want to use our healthcare expertise to help people live longer, healthier and happier lives. As your healthcare partner, we provide free and useful health information on our website that helps you to stay healthy. Most of the health and disease information on our website is written and verified by Bupa s medical consultants in the UK and Hong Kong. You can also get online advice on health questions from our panel of approved specialists for free. To search for reliable and practical health tips, please visit Bupa s website anytime 保柏希望透過我們在醫療保健方面的專長, 助人得享更長壽 更健康和更愉快的人生 作為您的健康夥伴, 保柏透過網站提供免費而實用的健康資訊, 助您保持健康 保柏網站內的健康及疾病資訊, 主要由保柏英國及香港專業的醫學顧問撰寫及核實 您更可於網上向特約專科醫生請教健康問題, 費用全免 想搜尋可靠實用的健康資訊, 請隨時登入保柏網站

14 MP05/6/1110/13K Printed on recycled paper 以再造紙印刷

15 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Effective from 1 January 011 自 011 年 1 月 1 日起生效 1 Hospital and Surgical Benefit 1 住院及手術保障 1 Room and Board (maximum 70 days each Contract Year) 住房及膳食費 ( 每合約年度最多 70 日 ) Miscellaneous Hospital Services (each Contract Year) 住院雜費 ( 每合約年度計 ) 3 Intensive Care (supplement to Room and Board) (each Contract Year) 深切治療 ( 住房及膳食費之補足 ) ( 每合約年度計 ) Schedule of Benefits 保障金額表 Plan 計劃 1 Private 私家房 Maximum Limit (HK$) 最高賠償額 ( 港幣 ) Plan 計劃 Semi-private 半私家房 每日,800 each day 每日 1,430 each day Plan 計劃 3 Ward 大房 每日 660 each day 33,650 0,000 1,900 4,500 1,500 0,000 4 Private Nursing (maximum 10 days each Contract Year) 私家看護費 ( 每合約年度最多 10 日 ) nursing services during Hospital Confinement or at home after discharge from Hospital rendered by a Qualified Nurse 每日 810 each day 每日 480 each day 每日 90 each day upon recommendation by the attending Registered Medical Practitioner 經主診註冊西醫建議下由合資格護士於住院期間或出院後在家中提供之護理服務 5 Surgeon and Attendance Fees (for surgical case only) (each operation) 外科醫生費及巡房費 ( 只適用於外科手術 ) ( 每次手術計 ) complex 複雜 78,000 46,500 0,000 6,850 50,000 31,700 13,300 5,600 38,000 4,300 9,80 4,650 major 大型 intermediate 中型 minor 小型 6 Anaesthetist s Fees (each operation) 麻醉科醫生費 ( 每次手術計 ) complex 複雜 4,500 1,750 5,950 3,100 major 大型 intermediate 中型 minor 小型 7 Operating Theatre Fees (each operation) 手術室費用 ( 每次手術計 ) complex 複雜 6,300 major 大型 14,300 intermediate 中型 6,800 minor 小型 3,800 8 In-patient Physician s Fees (for non-surgical case only) (maximum 70 days each Contract Year) 每日,50 each day 住院醫生巡房費 ( 只適用於非手術治療 ) ( 每合約年度最多 70 日 ) 9 In-patient Specialist s Fees (each Contract Year) 住院專科醫生費 ( 每合約年度計 ) subject to written referral from the attending Registered Medical Practitioner (except for services performed by pathologist, radiologist or Physiotherapist during Hospital Confinement) 須獲主診註冊西醫以書面轉介 ( 病理學家 放射學家及物理治療師在住院期間所提供之服務除外 ) 11 Companion Bed (maximum 70 days each Contract Year) 住院加床費 ( 每合約年度最多 70 日 ) Below attained age of 65 on the Contract Effective Date 於合約生效日未滿 65 歲之會員 Attained age of 65 or above on the Contract Effective Date - Annual Limit 於合約生效日年滿 65 歲或以上之會員 每年限額 Supplementary Major Medical Benefit (Optional) 附加醫療保障 ( 自選保障 ) (subject to 80% reimbursement and HK$500 deductible per claim 80% 賠償及每次索償墊底費港幣 500 元 ) 14,600 8,700 3,900,00 15,800 9,950 4,480,90 11,100 6,870,960 1,810 11,600 7,870 3,440,070 9,700 3,400,000 每日 1,400 each day 每日 715 each day 每日 330 each day Unlimited 不設上限 700, , ,000 Plan 計劃 1 Private 私家房 每日 990 each day Plan 計劃 Semi-private 半私家房 每日 550 each day 10 Cancer Treatment and Kidney Dialysis (each Contract Year) 癌症治療及洗腎 ( 每合約年度計 ) chemotherapy, radiotherapy, cyberknife or gamma knife for cancer treatment or kidney dialysis during Hospital Confinement or in day case unit of a Hospital or clinic upon recommendation by the attending Registered 100,000 75,000 50,000 Medical Practitioner 經主診註冊西醫建議下於住院期間或醫院日症房或診所進行之化療 電療 使用數碼導航刀或伽碼刀以治療 癌症或洗腎 1 Pre-admission and Post-hospitalisation Out-patient Care (each Contract Year) 入院前及出院後之門診護理 ( 每合約年度計 ) including two pre-admission visits and all related post-hospitalisation follow-up visits on an out-patient basis within 4,300,40 1,600 6 weeks after discharge from Hospital 包括 次入院前及出院後 6 星期內所有與住院治療有關之跟進療程門診費用 Plan 計劃 3 Ward 大房 Maximum Limit (each Contract Year) 最高賠償額 ( 每合約年度計 ) 3 Lifetime Limit 終生最高賠償額 550, ,000 80, , ,000 00,000 apply after any item of Section A1 to A11 under Hospital and Surgical Benefit is exhausted in case of overseas hospitalisation, only medical Emergency cases will be covered this benefit will not be payable for Hospital Confinement in class of suite / V.I.P. / deluxe room of a Hospital Lifetime Limit is applicable to Member who attains the age of 65 or above. This benefit shall automatically terminate upon the Contract Anniversary immediately after the Lifetime Limit is exhausted adjustment factors for room upgrade will be applied if Member is hospitalised not in accordance with plan level: - from Semi-private Room to Private Room : 50% - from Ward to Semi-private Room : 50% - from Ward to Private Room : 5% 必須於住院及手術保障下 A1 至 A11 任何一項已耗盡後才適用如身處海外, 只適用於因急症之住院治療 此保障並不會就入住總統套房 / 貴賓房 / 豪華房的住院費用作出賠償 3 3 終生最高賠償額只適用於年齡已屆 65 歲或以上的會員, 而附加醫療保障將會於終生最高賠償額耗盡後緊接之合約週年日自動終止 如會員住院時並非根據原有之計劃住房, 保障額將因應升級住房而作出調整 : - 半私家房至私家房 : 50% - 大房至半私家房 : 50% - 大房至私家房 : 5% 3 3 MP054/5/1110/37K Printed on recycled paper 以再造紙印刷

16 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Effective from 1 January 011 自 011 年 1 月 1 日起生效 4 Clinical Benefit (Optional) 4 門診保障 ( 自選保障 ) 1 General Practitioner (consultation fee only) 普通科醫生 ( 只限診症費 ) Specialist (consultation fee only) 專科醫生 ( 只限診症費 ) subject to written referral from a Registered Medical Practitioner 須獲註冊西醫書面轉介 3 Home Consultation (consultation fee only) 家中應診 ( 只限診症費 ) consultation fee (including basic Medically Necessary Chinese Medicines prescribed at the Registered Chinese Medicine Practitioner's clinic and obtained at a legitimate source on the same day of consultation) 診症費 ( 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 ) 7 Chinese Bonesetter 跌打醫師 consultation fee (including basic Medically Necessary Chinese Medicines prescribed at the Registered Chinese Medicine Practitioner's clinic and obtained at a legitimate source on the same day of consultation) 診症費 ( 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 ) 8 Prescribed Western Medication (each Contract Year) 醫生處方西藥 ( 每合約年度計 ) Medically Necessary Western Medication prescribed by a Registered Medical Practitioner and obtained at a legitimate source 經由註冊西醫處方並由合法來源取得之醫療必需西藥費用 Free Bupa Worldwide Assistance Programme (each Contract Year) 免費保柏國際援助計劃 ( 每合約年度計 ) Schedule of Benefits 保障金額表 Maximum Limit (HK$) 最高賠償額 ( 港幣 ) subject to written referral from a Registered Medical Practitioner 須獲註冊西醫書面轉介 5 Chiropractor (treatment fee only) 脊醫 ( 只限診療費 ) 每次 60 each visit 每次 40 each visit 每次 310 each visit subject to written referral from a Registered Medical Practitioner 須獲註冊西醫書面轉介 6 Chinese Herbalist 中醫師 每次 370 each visit 每次 30 each visit 每次 170 each visit 每次 650 each visit 每次 450 each visit 每次 330 each visit 每次 715 each visit 每次 510 each visit 每次 340 each visit 4 Physiotherapist (treatment fee only) 物理治療師 ( 只限診療費 ) 每次 60 each visit 每次 40 each visit 每次 310 each visit 每次 30 each visit 每次 30 each visit 每次 180 each visit 每次 180 each visit 每次 140 each visit 每次 140 each visit 4,700,850 1,800 9 Diagnostic Imaging and Laboratory Tests (each Contract Year) 診斷影像及化驗 ( 每合約年度計 ) 3,400 1,900 1,450 subject to written referral from a Registered Medical Practitioner 須獲註冊西醫書面轉介 Notes 附註 : Hospital Cash Benefit (Optional) 住院現金保障 ( 自選保障 ) payable from the 3 rd day of Hospital Confinement (maximum 18 days each Contract Year) 由住院第 3 天起開始支付 ( 每合約年度最多 18 日 ) Plan 計劃 1 Plan 計劃 Plan 計劃 3 每日 1,000 each day 每日 500 each day 每日 300 each day Plan 計劃 1 Plan 計劃 Plan 計劃 3 Provides admission deposit in the event of hospitalisation overseas and in Mainland China, unlimited cover for emergency medical evacuation and repatriation, and an extra hospital benefit of HK$10,000 after repatriation to Hong Kong. A 4-hour hotline for travel, medical or legal information and assistance is also available. 提供海外及國內住院按金墊支服務, 全數支付緊急醫療運送費用及送返香港後高達港幣 1 萬元的額外住院保障, 並設有 4 小時熱線提供旅遊 醫療或法律資訊及支援 1 Clinical Operation or Day Case Surgery, if eligible, will be paid under Hospital and Surgical Benefit. Clinical Operation and Day Case Surgery mean Medically Necessary surgical procedures which may be carried out at a clinic or day case unit of a Hospital by a Registered Medical Practitioner and a stay in Hospital is not required, provided that the surgical procedure is classified as such by Bupa. A referral letter is only valid for the same or related condition for a period of six (6) months from the date of issuance. Treatment received for a new or unrelated condition will require another referral letter. 3 The Supplementary Major Medical Benefit (SMM) is subject to the Maximum Limit per Contract Year or the Lifetime Limit (if applicable), whichever is lower. The SMM Benefit paid from age 65 will be deducted from the Lifetime Limit and the balance will become the Lifetime Limit of the next Contract Year. 4 Number of visits per Contract Year for items D1 D7 above is 30 in total and is subject to a maximum of 1 visit per item per day. Number of visits per Contract Year for items D6 D7 above is 10 in total. 1 合資格之診所手術或日症手術, 將於住院及手術保障下賠償 診所手術及日症手術指註冊西醫於診所或醫院日症房進行之醫療必需手術而無必要留院, 但該等手術須獲保柏分類為診所手術或日症手術 轉介信在發出後 6 個月內診治與該信有關之病症, 方為有效 而當診治病症被診斷為一新症, 或診治與該轉介信無關之病症, 則需另一轉介信 3 附加醫療保障的賠償以 每合約年度最高賠償額 或 終生最高賠償額 ( 如適用 ) 之較低者為上限 65 歲起支付的附加醫療保障賠償將自 終生最高賠償額 中扣減, 餘額將成為下一合約年度的 終生最高賠償額 4 每一合約年度內有關上文 D1 至 D7 項之診治次數合共為 30 次, 每一項目並以每日一次診治為限 每一合約年度內有關上文 D6 至 D7 項之診治次數合共為 10 次 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. 中 英文之意思如有任何差別, 概以英文為準 所有條款及細則以合約為準 Bupa (Asia) Limited 保柏 ( 亞洲 ) 有限公司 Address 地址 : 18/F, DCH Commercial Centre, 5 Westlands Road, Quarry Bay, Hong Kong Telephone 電話 : (85) Facsimile 傳真 : (85) Website 網址 : MP054/5/1110/37K Printed on recycled paper 以再造紙印刷

17 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Effective from 1 January 011 自 011 年 1 月 1 日起生效 Table of Subscriptions 保費表 All figures in HK$ 以港幣計算 Attained Age 已屆年齡 Hospital and Surgical Benefit 住院及手術保障 Hospital and Surgical Benefit 住院及手術保障 + Supplementary Major Medical Benefit 附加醫療保障 Plan 計劃 1 Plan 計劃 Plan 計劃 3 Plan 計劃 1 Plan 計劃 Plan 計劃 3 Private 私家房 Semi-private 半私家房 Ward 大房 Private 私家房 Semi-private 半私家房 Ward 大房 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 5, , , , , , , , , , ,67 35, , , , , , , ,31 50, , , , , ,6 505, , , , , ,93 508,94 8 1, , , , ,33 510, , , , , , , , , ,876 37, , ,0 90 1, , ,99 377, , , , ,1 69 3,97 381, , , , , , , , , , , , , , , , , ,16 500, , ,981 38, , ,57 504, , , , , , , , , , , , , , , ,09 1 9, , , , ,14 395, , ,463 53, , , , , , , , ,36 406, , , , , , , ,460 1,003 5, , , ,45 44, ,678 1,04 5, , , ,53 435, ,98 1,048 5, , , , , ,168 1,071 6, , , , , ,45 1,095 6, , , , , ,670 1,119 6, , , ,94 474, ,917 1,143 6, , , , , ,159 1,166 6, , , , , ,44 1,193 6, , , ,74 506, ,75 1,1 6, , , , , ,058 1,5 7, , , , , ,437 1,89 7, , ,697 1,18 7, , ,853 1,71 9, , ,857 1,33 7, , ,110 1,737 9, , ,016 1,48 7, , ,366 1,761 9, , ,65 1,7 7, , ,709 1,794 9, , ,50 1,95 7, , ,040 1,86 10, , ,739 1,318 7, , ,393 1,860 10, , ,055 1,348 7, , ,817 1,901 10,517 1,009 5, ,459 1,387 8, , ,366 1,953 10,816 1,038 5, ,057 1,444 8, , ,131,06 11,46 1,078 6, ,778 1,513 8, , ,041,114 11,740 1,16 6, The subscriptions below are for renewal only 以下保費只供續保之用 or above 80 或以上 16,475 1,580 9, , ,008,07 1,46 1,175 6, ,40 1,671 9, , ,47,36 1,886 1,36 6, ,343 1,759 10, , ,444,440 13,546 1,99 6, ,384 1,859 10,746 1,031 5, ,789,569 14,70 1,369 7, ,79 1,994 11,57 1,105 5, ,468,730 15,198 1,457 7, ,7,3 1,897 1,37 6, ,950 3,35 18,481 1,773 10, ,158,317 13,388 1,84 7, ,660 3,516 19,367 1,857 10,58 1,015 5,361,43 13,943 1,337 7, ,884 3,79 0,358 1,95 11,17 1,067 6,664,557 14,389 1,380 7, ,96 3,960 1,03,033 11,598 1,11 7,786,665 14,650 1,405 7, ,466 4,169 1,784,089 11,90 1,143 9,67,807 14,987 1,437 8, ,37 4,434,485,156 1,308 1,180 30,605,935 15,185 1,456 8, ,840 4,684,99,05 1,591 1,08 3,138 3,08 15,434 1,480 8, ,800 4,968 3,581,61 1,91 1,39 33,71 3,34 15,66 1,50 8, ,889 5,64 4,146,316 13,36 1,69 35,31 3,386 15,869 1,5 8, ,041 5,566 4,683,367 13,536 1,98 36,91 3,540 16,054 1,540 8, ,56 5,875 5,189,416 13,819 1,35 38,331 3,676 16,135 1,547 8, ,18 6,159 5,537,449 14,015 1,344 39,939 3,830 16,75 1,561 8, ,545 6,477 5,981,49 14,66 1,368 41,559 3,986 16,391 1,57 8, ,939 6,804 6,389,531 14,494 1,390 43,187 4,14 16,485 1,581 8, ,400 7,135 6,765,567 14,708 1,410 44,83 4,99 16,556 1,588 8, ,93 7,473 7,105,600 14,898 1,49 MP055/7/1110/37K Printed on recycled paper 以再造紙印刷

18 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Effective from 1 January 011 自 011 年 1 月 1 日起生效 Table of Subscriptions 保費表 All figures in HK$ 以港幣計算 Attained Age 已屆年齡 Hospital and Surgical Benefit 住院及手術保障 + Hospital Cash Benefit 住院現金保障 Hospital and Surgical Benefit 住院及手術保障 + Supplementary Major Medical Benefit 附加醫療保障 + Hospital Cash Benefit 住院現金保障 Plan 計劃 1 Private 私家房 Plan 計劃 Semi-private 半私家房 Plan 計劃 3 Ward 大房 Plan 計劃 1 Private 私家房 Plan 計劃 Semi-private 半私家房 Plan 計劃 3 Ward 大房 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 5, , , , ,994 38,0 13 5, , , , , , , , , , ,085 39, , , , , , ,96 0 6, , , , , ,31 6, , , , , , , , , , ,7 406, , , , , ,65 409, , , , , ,33 415, , , , , , , , , , , ,41 44, , , , , , , , ,463 48, ,508 1,008 5, , , , , ,606 1,016 5, , , ,55 434, ,716 1,08 5, , , , , ,815 1,037 5, , , , , ,931 1,048 5, , , , , ,059 1,061 5, , , ,71 45, ,191 1,074 6, , , , , ,347 1,089 6, , , , , ,575 1,110 6, , , , , ,808 1,13 6, , , , , ,073 1,158 6, , , ,00 499, ,330 1,18 6, , , , , ,604 1,08 6, , , ,44 50, ,867 1,34 6, , , , , ,134 1,60 7, , , , , ,396 1,85 7, , ,565 1,013 5, , ,70 1,314 7, , ,799 1,036 5, , ,007 1,344 7, , ,065 1,061 6, , ,36 1,377 7, , ,340 1,088 6, , ,761 1,416 7, , ,50 1,393 7, , ,676 1,887 10, , ,69 1,409 8, , ,945 1,913 10,517 1,008 5, ,864 1,45 8, , ,14 1,938 10,665 1,03 5, ,137 1,45 8, , ,581 1,974 10,854 1,041 5, ,398 1,477 8, , ,936,008 11,039 1,059 6, ,660 1,50 8, , ,314,044 11,3 1,076 6, ,01 1,536 8, , ,774,089 11,473 1,101 6, ,445 1,577 8, ,99 473,35,143 11,789 1,131 6, ,094 1,639 9, , ,168,1 1,44 1,174 6, ,883 1,715 9, , ,146,316 1,77 1,5 6, The subscriptions below are for renewal only 以下保費只供續保之用 or above 80 或以上 18,643 1,788 10, , ,176,415 13,308 1,77 7, ,680 1,888 10,764 1,03 5, ,507,543 13,993 1,34 7, ,687 1,984 11,317 1,085 5, ,788,665 14,694 1,409 7, ,836,094 11,948 1,146 6, ,41,804 15,47 1,484 7, ,38,4 1,796 1,7 6, ,058,978 16,467 1,579 8, ,669,558 14,545 1,395 7, ,347 3,678 0,19 1,931 11,081 1,063 7,681,655 15,089 1,447 8, ,183 3,854 1,068,00 11,605 1,113 8,991,780 15,695 1,505 8, ,514 4,077,110,10 1,183 1,168 30,388,914 16,188 1,553 8, ,00 4,317 3,00,06 1,680 1,16 31,593 3,030 16,480 1,580 9, ,73 4,534 3,614,64 13,03 1,49 33,139 3,178 16,847 1,615 9, ,109 4,805 4,345,334 13,46 1,87 34,54 3,311 17,069 1,637 9, ,759 5,060 4,876,386 13,7 1,316 36,10 3,46 17,340 1,663 9, ,764 5,348 5,487,444 14,063 1,349 37,74 3,618 17,589 1,687 9, ,89 5,648 6,073,501 14,391 1,380 39,348 3,773 17,815 1,709 9, ,077 5,953 6,69,554 14,703 1,410 40,979 3,930 18,015 1,78 9, ,33 6,65 7,150,604 14,997 1,438 4,48 4,069 18,107 1,736 9, ,315 6,55 7,509,638 15,199 1,458 44,059 4,5 18,58 1,751 10, ,665 6,87 7,964,68 15,453 1,48 45,696 4,383 18,38 1,763 10, ,076 7,01 8,380,7 15,686 1,504 47,340 4,540 18,48 1,773 10, ,553 7,533 8,76,759 15,907 1,55 48,986 4,698 18,56 1,780 10, ,086 7,87 9,111,79 16,101 1,544 MP055/7/1110/37K Printed on recycled paper 以再造紙印刷

19 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Table of Subscriptions 保費表 Additional Option Effective from 1 January 011 自 011 年 1 月 1 日起生效 Clinical Benefit 門診保障 Additional Subscription 額外保費 All figures in HK$ 以港幣計算 Attained Age 已屆年齡 Attained Plan 計劃 1 Plan 計劃 Plan 計劃 3 Age 已屆年齡 Plan 計劃 1 Plan 計劃 Plan 計劃 3 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 Annual 按年 Monthly 按月 5, , , ,936 1,049 8, , , , , ,106 1,065 8, , , , , ,43 1,078 8, , , , , ,395 1,093 8, , , , , ,531 1,106 8, , , , , ,664 1,119 8, , , , , ,834 1,135 8, , , , , ,016 1,15 9, , , , , ,00 1,170 9, , , , , The subscriptions below are for renewal only 5, , , 以下保費只供續保之用 5, , , , , , ,415 1,191 9, , , , , ,649 1,13 9, , , , , ,895 1,37 9, , , , , ,171 1,63 9, , , , , ,488 1,93 9, , , , , ,60 1,400 10,456 1,003 7, , , , ,876 1,47 10,639 1,00 7, , , , ,096 1,448 10,817 1,037 7, , , , ,79 1,465 10,977 1,053 8, , , , ,444 1,481 11,111 1,066 8, , , , ,600 1,496 11,59 1,080 8, , , , ,750 1,510 11,385 1,09 8, , , , ,89 1,54 11,508 1,104 8, , , , ,041 1,538 11,63 1,116 8, , , , ,177 1,551 11,751 1,17 8, , , , ,89 1,56 11,854 1,137 8, , , , ,371 1,570 11,937 1,145 8, , , , ,450 1,578 1,018 1,153 8, , , , ,536 1,586 1,080 1,158 8, , , , ,69 1,595 1,16 1,163 9, or above 10,713 1,07 7, , 或以上 16,699 1,601 1,01 1,170 9, No claim renewal discount 無索償續保折扣 A no claim renewal discount will be applied to the next renewal subscription of Hospital and Surgical Benefit provided that no claim payment has been made or is payable under Hospital and Surgical Benefit during any one of the following periods: 如於以下任何年期並無已付或應付之 住院及手術保障 賠償, 下一年度 住院及手術保障 之續保保費將獲無索償續保折扣優惠 : Period without claim payment 無賠償紀錄之年期 -3 consecutive Contract Years 連續 至 3 個合約年度 4-5 consecutive Contract Years 連續 4 至 5 個合約年度 6 consecutive Contract Years or above 連續 6 個合約年度或以上 No claim renewal discount 無索償續保折扣優惠 5% 10% 15% This Table of Subscriptions is only applicable to Members who are aged 18 to 59 years (inclusive) on the Coverage Commencement Date. For those who are aged 60 years or above on the Coverage Commencement Date, please refer to other applicable Table of Subscriptions. Any new applicant who is aged between 60 and 69 years has to pay an extra 50% subscription of Hospital and Surgical Benefit (H&S) as shown in the table upon enrolment and renewal. If the applicant is aged 70 years or above, the H&S subscription will be doubled. However, they only have to pay standard subscriptions for Hospital Cash Benefit and Clinical Benefit upon enrolment and renewal. Subscription amounts are not guaranteed and Bupa may adjust them on a yearly basis. 此保費表只適用於在保障開始日年齡介乎 18 至 59 歲 ( 首尾歲數計算在內 ) 的會員 在保障開始日已屆 60 歲或以上的會員, 請參考其他適用之保費表 年滿 60 至 69 歲之新申請人, 其 住院及手術保障 之投保及續保保費將會按照上表之保費調高 50% 而年滿 70 歲或以上之新申請人, 其 住院及手術保障 之投保及續保保費將會按上表保費調高一倍 但投保及續保 住院現金保障 和 門診保障 只須繳付標準保費 保費並非保證, 保柏有可能每年作出調整 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. 中 英文之意思如有任何差別, 概以英文為準 所有條款及細則以合約為準 Bupa (Asia) Limited 保柏 ( 亞洲 ) 有限公司 Address 地址 : 18/F, DCH Commercial Centre, 5 Westlands Road, Quarry Bay, Hong Kong Telephone 電話 : (85) Facsimile 傳真 : (85) Website 網址 : MP055/7/1110/37K Printed on recycled paper 以再造紙印刷

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