14CUHK ( )A

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1 The Chinese University of Hong Kong 香港中文大學 Information Sharing Session on Individual Medical Insurance 個人醫療保險計劃資料分享 Jardine Lloyd Thompson Limited 怡和保險顧問有限公司 17 January 2014 A Jardine Matheson Associate Company

2 Content 內容 Trend 市場趨勢 Current Plans Provided for CUHK s Retirees or Leavers 中文大學現有之退休或離職僱員醫療計劃 Medical Insurance Needs of Retiring Staff 退休僱員之醫療保險需要 Options Available in Market 市場上可供之選擇 Market Comparison 巿場分析 6 Q and A 答問時間 2

3 Trend 市場趨勢 Increasing medical costs and advanced technology 先進的醫療技術及愈來愈高昂之醫療費用 More concerns of individual s medical needs after retirement or leaving service 群眾對個人醫療保險的認知及需求日漸增加 Higher limits and more comprehensive coverage for individual medical plans 更好及更全面的個人醫療計劃 Most individual medical plans could only be applied before age 60, some may extend to 65 大部份計劃需於 60 歲前 ( 或 65 歲前 ) 申請 3

4 Trend 市場趨勢 Some high end medical plans are more flexible and can accept age < 80 subject to premium loading 某些高端醫療計劃, 其投保年限可延至 80 歲前, 但有附加保費 Medical Insurers are extending the upper age limit for individual medical plans to lifetime or age 100 可續保至 100 歲, 甚至終生保障 Generally pre-existing medical conditions are excluded 一般情況下, 投保前己存在之疾病將不獲保障 4

5 Current Plans Provided for CUHK s Retirees / Leavers 中文大學現有之退休或離職僱員醫療計劃 Retiree Plan (MIPR) 退休計劃 Leaver s Scheme 離職後計劃 Maximum entry age is 69 最高投保年齡為 69 歲 Cover up to age 80 保障至 80 歲 Cover in Hong Kong only 只限香港境內之醫療費用 Maximum benefit of HK$400,000 per year, benefit payable calculated according to the SMBS Scale of Coverage 每保單年度賠償上限為港幣四十萬元, 金額則根據本大學僱員醫療福利計劃的核准收費表計算 Semi-private level of hospital accommodation 以半私家病房 ( 二等 ) 收費水平為準 With Choice of deductible at HK$10,000 and HK$30,000 可選擇港幣一萬元或港幣三萬元之扣除額 Treatment must be referred by UHS 治療須經保健處轉介 Cover pre-existing medical conditions 受理投保前已存在之病症 Not guarantee Renewal 計劃可於週年日更改修訂或終止 - Require minimum 10 years of service and only valid for appointees joining before 1 July 2005 Maximum entry age is 69 最高投保年齡為 69 歲 Cover up to age 74 保障至 74 歲 Cover in Hong Kong only 只限香港境內之醫療費用 A 1st dollar plan without any deductible 不設扣除額 With choice of 2 level of benefits 兩種福利計劃可供選擇 Not necessarily referred by UHS 無須經保健處轉介 Cover pre-existing medical conditions 受理投保前已存在之病症 Not guarantee Renewal 計劃可於週年日更改修訂或終止 - available if the member is a voluntary top-up scheme member for not less than 9 months 5

6 Medical Insurance Needs of Retiring Staff 退休僱員之醫療保險需要 Guaranteed lifetime renewal 終生受保 Not linked to Voluntary Top-up Plan 不需與中文大學現有之退休醫療計劃掛鈎 Cover pre-existing medical conditions 受理投保前已存在之病症 Worldwide cover 全球性保障 Referral by UHS is not required 免除大學保健處轉介 Higher limits and more stable premium 較高福利保障額及穏定保費 6

7 Options Available in market 巿場上可供之選擇 7

8 Options Available in market 巿場上可供之選擇 8

9 MediTop The above is an extract of the product. Details and full information shall be subject to the policy terms of each product. 9

10 Bupa Wise Choice The above is an extract of the product. Details and full information shall be subject to the policy terms of each product. 10

11 Bupa CarePro The above is an extract of the product. Details and full information shall be subject to the policy terms of each product. 11

12 Bupa CarePro The above is an extract of the product. Details and full information shall be subject to the policy terms of each product. 12

13 MediSure Plus The above is an extract of the product. Details and full information shall be subject to the policy terms of each product. 13

14 ihi Bupa The above is an extract of the product. Details and full information shall be subject to the policy terms of each product. 14

15 Market Comparison 巿場分析 Insurer 承保公司 Rating base 保費計算方法 Maximum entry age 最高投保年齡 Maximum cover age 最高承保年齡 Geographic Limit 地域限制 MIPR Liberty 利寶 Group 團體 Hong Kong only 香港境內 Leaver's Scheme Liberty 利寶 Group 團體 Hong Kong only 香港境內 MediTop Liberty 利寶 Individual 個人 Worldwide 全球性 Bupa Wise Choice / CarePro 保柏智康健 / 卓康健 Bupa 保柏 Individual 個人 for Wise Choice, then convert to CarePro with Lifelong cover 智康健 : 60 歲, 其後轉換至卓康健並可終生受保 Worldwide 全球性 MediSure Plus MSIG 三井 Individual 個人 59 Lifelong 終生 Worldwide 全球性 IHH Plan ihi Bupa Individual 個人 59 Can extend to < 80 subject to premium loading 投保年限可延至 80 歲前, 但有附加保費 Lifelong 終生 Worldwide 全球性 15

16 Market Comparison 巿場分析 Benefit Limit 福利限額 MIPR Annual benefit of HK$400K 每保單年度港幣四十萬元 Leaver's Scheme 2 level of scheduled benefits (Private / Semi-Private) 分私家病房及半私家病房兩類 MediTop Annual benefits of HK$1M 每保單年度港幣一百萬元 Bupa Wise Choice / CarePro 保柏智康健 / 卓康健 Annual benefits 每保單年度 : Ward 大房 - HK$180K Semi-private 半私家房 - HK$350K Private 私家房 - HK$600K MediSure Plus Annual benefits 每保單年度 : Excel 精選 - HK$500K Super 特選 - HK$750K Executive 智選 - HK$1.5M IHH Plan Annual benefits of US$2M 每保單年度美金二百萬元 Deductible 扣除額 HK$30,000 / HK$10,000 n/a HK$30K / HK$50K / HK$100K Ward 大房 - HK$30K Semi-Private 半私家房 - HK$100K Private 私家房 - HK$300K Nil / HK$10,000 / HK$20,000 / HK$40,000 / HK$80,000 / HK$120,000 Nil / USD400 / USD1,600 / USD5,000 / USD10,000 / USD20,000 16

17 Market Comparison 巿場分析 Pre-existing Conditions* 投保前已存在之病症 MIPR Limited cover for the first 18 months of membership, then full cover will be provided 首 18 個月有限度保障, 之後可全數受理 Leaver's Scheme Covered except for those joining when they are not first eligible to join voluntary top-up scheme 受理 ( 獲保險公司接納的逾期投保者除外 ) MediTop Not Covered except fully disclosed and accepted by insurer at the time of application 不受理, 投保時申報並被保險公司核准除外 Bupa Wise Choice / CarePro 保柏智康健 / 卓康健 Not Covered 不受理 MediSure Plus Not Covered except fully disclosed and accepted by insurer at the time of application 不受理, 投保時申報並被保險公司核准除外 IHH Plan May be covered subject to medical underwriting and premium loading 可考慮受理, 但需核保及附加保費 * Pre-existing Conditions shall mean any medical conditions existing prior to the first day of coverage of the individual medical insurance scheme, whether they are known or unknown to the member, unless such conditions have been disclosed in the application and accepted by the insurance company. 17

18 Market Comparison 巿場分析 MIPR Leaver's Scheme MediTop Bupa Wise Choice / CarePro MediSure Plus IHH Plan Semi-Private Level Deductible HK$30,000 Semi-private Plan 2 Semi-private HK$30,000 deductible Starting from age 60 under Bupa CarePro Super 特選 Plan with HK$40,000 deductible Deductible US$5,000 Age 30 N.A. 3,565 1, ,864 US$3,038 Age 40 N.A. 5,138 2,370 1,511 7,387 US$3,038 Age 50 N.A. 7,234 3,208 2,466 10,465 US$3,880 Age 59 4,446 10,765 6,797 5,487 10,465 US$3,880 Age 61 Age 65 Age 70 4,446 6,667 9,555 13,006 19,506 27,960 9,696 17,136 24,989 11,088 13,880 16,617 16,103 16,103 20,347 US$4,027 + loading if applied from age 60 to : 25% : 50% : 75% : 100% The above are prevailing rates extracted from the premium rate table of each plan/product as of Jan They may be changed from time to time. Details please refer to the relevant table of premium. 18

19 Market Comparison 巿場分析 MIPR Leaver's Scheme MediTop Bupa Wise Choice / CarePro MediSure Plus IHH Plan Ward Level Deductible HK$30,000 Semi-private Plan 2 Semi-private HK$30,000 deductible Starting from age 60 under Bupa CarePro Excel 精選 Plan with HK$40,000 deductible Deductible US$5,000 Age 30 N.A. 3,565 1, ,505 US$3,038 Age 40 N.A. 5,138 1, ,485 US$3,038 Age 50 N.A. 7,234 2,502 1,323 6,415 US$3,880 Age 59 4,446 10,765 5,302 2,761 6,415 US$3,880 Age 61 Age 65 Age 70 4,446 6,667 9,555 13,006 19,506 27,960 7,563 13,366 19,492 5,828 7,023 8,966 10,039 10,039 12,741 US$4,027 + loading if applied from age 60 to : 25% : 50% : 75% : 100% The above are prevailing rates extracted from the premium rate table of each plan/product as of Jan They may be changed from time to time. Details please refer to the relevant table of premium. 19

20 Market Comparison 巿場分析 Private Level MIPR Deductible HK$30,000 Semi-private Leaver's Scheme Plan 1 Private MediTop HK$30,000 deductible Bupa Wise Choice / CarePro Starting from age 60 under Bupa CarePro MediSure Plus Executive 智選 Plan with HK$40,000 deductible IHH Plan Deductible US$5,000 Age 30 N.A. 4,997 3,861 1,618 10,697 US$3,038 Age 40 N.A. 7,723 5,333 2,686 12,966 US$3,038 Age 50 N.A. 10,861 7,218 4,398 18,031 US$3,880 Age 59 Age 61 Age 65 Age 70 4,446 4,446 6,667 9,555 16,178 19,627 29,440 42,197 15,293 21,816 38,556 56,225 10,070 19,906 24,808 32,292 18,031 27,330 27,330 34,587 The above are prevailing rates extracted from the premium rate table of each plan/product as of Jan They may be changed from time to time. Details please refer to the relevant table of premium. US$3,880 US$4,027 + loading if applied from age 60 to : 25% : 50% : 75% : 100% 20

21 Jardine Lloyd Thompson Limited 5th Floor, Cityplaza Four 12 Taikoo Wan Road, Taikoo Shing Island East, Hong Kong, SAR Tel: +(852) A Jardine Matheson Associate Company

SGH brochure_C

SGH brochure_C AIA.COM.HK 69,000 33,700 66,000 # 33,700 32,300 3,000 69,000 10,000 66,000 # 20,000 46,000 13,000 4,812.80 2,739.20 43 PTA990105 (05/12) Super Good Health Medical Plan Annual Premium Table (US$) -