Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Schedule of Benefits 保障金額表 Effective from 1 January 2017 自 2017 年 1 月 1 日起生效 Maximum Limit (HK$) 最高賠償

Transcription

1 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Schedule of Benefits 保障金額表 Effective from 1 January 2017 自 2017 年 1 月 1 日起生效 Maximum Limit (HK$) 最高賠償額 ( 港幣 ) A Hospital and Surgical Benefit 住院及手術保障 1 Room and Board (Maximum 270 days each Contract Year) 住房及膳食費 ( 每合約年度最多 270 日 ) 2 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 ) 4 Private Nursing (Maximum 120 days each Contract Year) 私家看護費 ( 每合約年度最多 120 日 ) Nursing services during Hospital Confinement or at home after discharge from Hospital rendered by a Qualified Nurse, subject to written referral from the attending Registered Medical Practitioner 經主診註冊西醫書面轉介 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 Plan 計劃 1, 4 Private 私家房 Plan 計劃 2, 5 Semi-private 半私家房 Plan 計劃 3, 6 Ward 大房 每日 3,350 each day 每日 1,610 each day 每日 820 each day 39,500 23,000 14,400 27,800 23,500 21,700 每日 920 each day 每日 580 each day 每日 350 each day 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 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 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 Major 大型 Intermediate 中型 Minor 小型 8 In-patient Physician s Fees (For non-surgical case only) (Maximum 270 days each Contract Year) 住院醫生巡房費 ( 只適用於非手術治療 )( 每合約年度最多 270 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 ) 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 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 11 Companion Bed (Maximum 270 days each Contract Year) 住院加床費 ( 每合約年度最多 270 日 ) 108,000 53,700 23,100 8,050 33,200 15,900 7,400 3,850 33,500 16,100 7,630 4,210 65,800 36,900 15,500 6,600 19,300 10,800 4,800 2,500 19,500 11,000 5,000 2,550 50,000 27,300 11,100 5,300 14,600 8,420 3,640 2,180 14,900 8,640 3,750 2,280 每日 2,670 each day 每日 1,200 each day 每日 680 each day 11,600 4,150 2, , ,000 65,000 每日 1,680 each day 每日 800 each day 每日 410 each day 12 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 six weeks after discharge from Hospital 包括 2 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 13 Emergency Out-patient Benefit for Accidents (Each Contract Year) 緊急意外門診保障 ( 每合約年度計 ) Cover expenses for consultation, Western Medication, diagnostic imaging and laboratory tests, as well as other related medical fees incurred on an out-patient basis in the out-patient department or accident and emergency department of a Hospital as a result of an Accident 賠償因意外引致而於醫院門診部或急症部以門診形式接受治療的費用, 包括診症費 西藥費 診斷影像及化驗費, 以及其他有關醫療費用 Overall Annual Limit - Below attained age of 65 on the Contract Effective Date 每年最高賠償額 - 於合約生效日未滿 65 歲之會員 Overall Annual Limit - Attained age of 65 or above on the Contract Effective Date 每年最高賠償額 - 於合約生效日年滿 65 歲或以上之會員 Bupa (Asia) Limited 保柏 ( 亞洲 ) 有限公司 Address: 18/F, Berkshire House, 25 Westlands Road, Quarry Bay, Hong Kong 地址 : 香港 魚涌華蘭路 25 號克大廈 18 樓 Telephone 電話 : (852) Facsimile 傳真 : (852) Website 網址 : Bupa Hong Kong 1 5,170 2,980 1,920 10,700 8,300 6,200 Unlimited 不設上限 770, , ,000 MP054/14/1116/50K Printed on recycled paper 以再造紙印刷

2 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Schedule of Benefits 保障金額表 Effective from 1 January 2017 自 2017 年 1 月 1 日起生效 Maximum Limit (HK$) 最高賠償額 ( 港幣 ) B Full Cover Benefit (Optional) Plan 計劃 4 全數賠償保障 ( 自選保障 ) Private 私家房 Plan 計劃 5 Semi-private 半私家房 Plan 計劃 6 Ward 大房 This Benefit is payable for eligible expenses of the following items B1 to B11 incurred during your Hospital Confinement, Clinical Operation or Day Case Surgery provided by the Hospitals, Specialists and day-case centres appointed by Bupa subject to the Maximum Limit per Contract Year. Your treatment must be referred and attended by a Bupa HealthCare Appointed Specialist. 此保障將支付有關下列 B1 至 B11 項由保柏特選的醫院 專科醫生及日症中心所提供的住院 診所手術或日症手術所需的合資格費用, 以每年最高賠償額為限 有關的治療必須經由保柏康健特選專科醫生轉介 進行及提供 Bupa HealthCare Appointed Hospitals 保柏康健特選醫院 Canossa Hospital 嘉諾撒醫院 HK Adventist Hospital - Stubbs Road 香港港安醫院 - 司徒拔道 HK Adventist Hospital - Tsuen Wan 香港港安醫院 - 荃灣 HK Baptist Hospital 香港浸信會醫院 HK Sanatorium & Hospital 養和醫院 St Paul s Hospital 聖保祿醫院 St Teresa s Hospital 聖德肋撒醫院 Union Hospital 仁安醫院 No. of Bupa HealthCare Appointed Specialists 保柏康健特選專科醫生數目 Around 約 Room and Board 住房及膳食費 2 Miscellaneous Hospital Services 住院雜費 3 Intensive Care 深切治療 4 Private Nursing 私家看護費 Nursing services during Hospital Confinement or at home after discharge from Hospital rendered by a Qualified Nurse, subject to written referral from the attending Registered Medical Practitioner 經主診註冊西醫書面轉介 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 外科醫生費及巡房費 6 Anaesthetist s Fees 麻醉科醫生費 Full cover 全數賠償 Full cover 全數賠償 Full cover 全數賠償 7 Operating Theatre Fees 手術室費用 8 In-patient Physician s Fees 住院醫生巡房費 9 In-patient Specialist s Fees 住院專科醫生費 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 ) 10 Cancer Treatment and Kidney Dialysis 癌症治療及洗腎 11 Companion Bed 住院加床費 Maximum Limit (Each Contract Year) - Below attained age of 65 on the Contract Effective Date 最高賠償額 ( 每合約年度計 ) - 於合約生效日未滿 65 歲之會員 Maximum Limit (Each Contract Year) - Attained age of 65 or above on the Contract Effective Date 最高賠償額 ( 每合約年度計 ) - 於合約生效日年滿 65 歲或以上之會員 760, , , , , ,000 Full Cover Benefit is payable for eligible medical expenses incurred during Hospital Confinement, Day Case Surgery and Clinical Operation up to the Maximum Limit per Contract Year. Pre-admission and Post-hospitalisation Out-patient Care, and Emergency Out-patient Benefit for Accidents will be paid under items A12 and A13. Your Bupa HealthCare (BHC) Card can be used to settle payment for Hospital Confinement or Clinical Operation(s) at the Bupa HealthCare Appointed Hospitals and Specialists clinics, subject to a credit limit approved by Bupa. After Full Cover Benefit is exhausted, you can claim the Hospital and Surgical Benefit for your next treatment. 全數賠償保障將支付住院 日症手術及診所手術之合資格醫療費用, 以每年最高賠償額為上限 入院前及出院後之門診護理, 以及緊急意外門診保障將於 A12 及 A13 項下作出賠償 您可使用保柏康健卡支付保柏康健特選醫院及專科醫生收取之住院及診所手術費用, 以保柏批核之信用額為限 全數賠償保障耗盡後, 您可於下一次治療時索償住院及手術保障 MP054/14/1116/50K Printed on recycled paper 以再造紙印刷 2

3 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Schedule of Benefits 保障金額表 Effective from 1 January 2017 自 2017 年 1 月 1 日起生效 Maximum Limit (HK$) 最高賠償額 ( 港幣 ) C Supplementary Major Medical Benefit (Optional) Plan 計劃 1, 4 附加醫療保障 ( 自選保障 ) Private 私家房 Plan 計劃 2, 5 Semi-private 半私家房 Reimbursement percentage 賠償率 80% Plan 計劃 3, 6 Ward 大房 Maximum Limit (Each Contract Year) 最高賠償額 ( 每合約年度計 ) 580, , ,000 Lifetime Limit (Only applicable to Members who attain the age of 65 or above) 終生最高賠償額 ( 只適用於年齡已屆 65 歲或以上的會員 ) 825, , ,000 This Benefit is payable after any item of A1 - A11 under Hospital and Surgical Benefit or Full Cover Benefit (if applicable) is exhausted and is subject to HK$500 deductible per claim. Your Bupa HealthCare (BHC) Card can be used to settle payment for Hospital Confinement at any local private Hospitals, subject to a credit limit approved by Bupa. In case of overseas hospitalisation, only medical Emergency cases will be covered. Adjustment factors will be applied if you are confined in a higher room level than your chosen level: - From Semi-private Room to Private Room : 50% - From Ward to Semi-private Room : 50% - From Ward to Private Room : 25% 此保障將於住院及手術保障下 A1 - A11 任何一項或全數賠償保障 ( 如適用 ) 已耗盡後才開始支付, 每次索償的墊底費為港幣 500 元 您可使用保柏康健卡支付本港任何私家醫院之住院費用, 以保柏批核之信用額為限 如身處海外, 只適用於因急症之住院治療 如您入住比原有保障級別更高的病房級別, 保障額將作出如下調整 : - 半私家房至私家房 : 50% - 大房至半私家房 : 50% - 大房至私家房 : 25% D Hospital Cash Benefit (Optional) 住院現金保障 ( 自選保障 ) Payable from the third day of Hospital Confinement (Maximum 182 days each Contract Year) 由住院第 3 天起開始支付 ( 每合約年度最多 182 日 ) E Clinical Benefit (Optional) 門診保障 ( 自選保障 ) Plan 計劃 1, 4 Plan 計劃 2, 5 Plan 計劃 3, 6 每日 1,000 each day 每日 500 each day 每日 300 each day Plan 計劃 1, 4 Plan 計劃 2, 5 Plan 計劃 3, 6 1 General Practitioner (Consultation fee only) 普通科醫生 ( 只限診症費 ) 每次 460 each visit 每次 280 each visit 每次 210 each visit 2 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 每次 750 each visit 每次 550 each visit 每次 410 each visit 3 Home Consultation (Consultation fee only) 家中應診 ( 只限診症費 ) 每次 820 each visit 每次 560 each visit 每次 410 each visit 4 Physiotherapist (Treatment fee only) 物理治療師 ( 只限診療費 ) 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 ) 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 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) Payable for acupuncture performed by a Registered Chinese Medicine Practitioner 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 ) 此保障支付由註冊中醫進行的針灸治療 每次 700 each visit 每次 480 each visit 每次 370 each visit 每次 700 each visit 每次 480 each visit 每次 370 each visit 每次 330 each visit 每次 240 each visit 每次 200 each visit 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) Payable for acupuncture performed by a Registered Chinese Medicine Practitioner 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 ) 此保障支付由註冊中醫進行的針灸治療 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 9 Diagnostic Imaging and Laboratory Tests (Each Contract Year) 診斷影像及化驗 ( 每合約年度計 ) Subject to written referral from a Registered Medical Practitioner 須獲註冊西醫書面轉介 每次 330 each visit 每次 240 each visit 每次 200 each visit 5,100 3,150 1,950 4,000 2,250 1,750 Number of visits per Contract Year for items E1 E7 above is 30 in total and is subject to a maximum of one visit per item per day. Number of visits per Contract Year for items E6 - E7 above is 10 in total. 每一合約年度內有關上文 E1 至 E7 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 E6 至 E7 項之診治次數合共為 10 次 MP054/14/1116/50K Printed on recycled paper 以再造紙印刷 3

4 Bupa CarePro Health Insurance Scheme 保柏卓康健醫療保障計劃 Schedule of Benefits 保障金額表 Effective from 1 January 2017 自 2017 年 1 月 1 日起生效 Maximum Limit (HK$) 最高賠償額 ( 港幣 ) F Maternity Benefit (Optional) 產科保障 ( 自選保障 ) Plan 計劃 1, 4 Plan 計劃 2, 5 Plan 計劃 3, 6 Normal Delivery (Per pregnancy) 順產 ( 每次懷孕計 ) 36,800 24,000 16,800 Caesarean Section (Per pregnancy) 剖腹生產 ( 每次懷孕計 ) 55,200 36,000 25,200 Miscarriage (Per pregnancy) 流產 ( 每次懷孕計 ) 18,400 12,000 8,400 The Maternity Benefit shall cover medical expenses incurred for the following during pregnancy: - Hospital Confinement - Consultation of a Registered Medical Practitioner and Prescribed Western Medication - Diagnostic tests, prenatal check-up and postnatal check-up - Nursery care of newborn baby This Benefit does not cover any medical expenses incurred by the newborn baby during Hospital Confinement. This Benefit is payable provided that the pregnancy commences after this Benefit takes effect and you have been continuously covered under this Benefit for 9 months or more. 產科保障將支付因懷孕引致以下項目之醫療費用 : - 住院 - 註冊西醫診症及醫生處方西藥 - 診斷化驗 產前檢查及產後檢查 - 初生嬰兒護理費用此保障不包括任何初生嬰兒在住院期間之醫療費用 您必須於此保障生效後懷孕, 並連續受保於此保障 9 個月或以上, 方可獲得賠償 G Free Bupa Worldwide Assistance Programme (Each Contract Year) 免費保柏國際援助計劃 ( 每合約年度計 ) 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$120,000 after repatriation to Hong Kong. A 24-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 12 萬元的額外住院保障, 並設有 24 小時熱線提供旅遊 醫療或法律資訊及支援 Notes 附註 About Hospital and Surgical Benefit 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 where a stay in Hospital is not required, provided that the surgical procedure is classified as such by Bupa. Referral letter A referral letter is valid for the same or related medical condition for six months from the issue date. Another referral letter is required for treatment of a new or unrelated medical condition. About Full Cover Benefit Please follow the requirements below to enjoy Full Cover Benefit: (i) Always present your doctor s referral letter (except for gynaecology, paediatrics and family medicine) and your BHC Card to the Bupa HealthCare Appointed Specialist upon registration. (ii) Pre-authorisation confirmation must be obtained from Bupa for the following situations: - Hospital Confinement or Day Case Surgery - Clinical Operation(s) exceeding HK$4,000 - Specialist treatment for which the relevant specialty is not practised by any Bupa HealthCare Appointed Specialist. (iii) If you have received treatment outside our office hours, please obtain authorisation from Bupa on the next working day. (iv) Your treatment at any Bupa HealthCare Appointed Service Providers must be referred and attended by the Bupa HealthCare Appointed Specialist. (v) Please present your BHC Card with Bupa s Pre-authorisation Confirmation / Guarantee of Payment letter to the Bupa HealthCare Appointed Hospital upon admission and use it to pay the medical expenses. (vi) You must be confined at the restricted room level or lower. If the above requirements are not followed, your claims, if eligible, will be paid under Hospital and Surgical Benefit. If you receive treatment at the day-case centre of an appointed Hospital, there is no need to show your BHC Card. Please settle your expenses with the Hospital and submit your claim to us. Please settle your out-patient expenses at the Bupa HealthCare Appointed Specialist s clinic, unless Hospital Confinement, Day Case Surgery or Clinical Operation is Medically Necessary and pre-authorisation, if required, is obtained during the same clinic visit. About Supplementary Major Medical (SMM) Benefit This Benefit is subject to the Maximum Limit per Contract Year or the Lifetime Limit (if applicable), whichever is lower. The SMM Benefit, which is paid from age 65 will be deducted from the Lifetime Limit and the balance will become the Lifetime Limit of the next Contract Year. After the Lifetime Limit is exhausted, this Benefit shall automatically terminate. This Benefit will not be payable for Hospital Confinement in the suite, VIP or deluxe room of a Hospital. 有關 住院及手術保障 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 會員可在轉介信發出日起計 6 個月內, 就相同或相關病症使用該轉介信 若須診治全新或不相關的病症, 則須提交新的轉介信 有關 全數賠償保障 要享有 全數賠償保障 的賠償, 請依循以下的規定 : (i) 請於登記時向保柏康健特選專科醫生出示您的醫生轉介信 ( 婦科 兒科及家庭醫學科除外 ) 及 保柏康健卡 (ii) 在以下的情況, 必須獲得保柏初步保障審核確認 : - 住院或日症手術 - 超過港幣 4,000 元的診所手術 - 專科治療而該專科並不屬於保柏康健特選專科醫生可提供之專科 (iii) 如您於保柏辦公時間外接受治療, 請於下一個工作日向保柏補辦審核 (iv) 於保柏康健特選服務供應商接受的治療, 必須經由保柏康健特選專科醫生轉介 進行及提供 (v) 請於入住保柏康健特選醫院時, 向醫院出示 保柏康健卡 及保柏的初步保障審核確認 / 付款保證信, 並以此卡繳付醫療費用 (vi) 您必須入住原有保障級別或較低保障級別的病房 如沒有依循以上規定, 合資格的醫療費用將於 住院及手術保障 下作出賠償 如於保柏康健特選醫院之日症中心接受治療, 無須出示 保柏康健卡 請先向醫院支付醫療費用, 然後再向保柏申請索償 請向保柏康健特選專科醫生之診所繳付您的門診費用, 如住院 日症手術或診所手術為醫療必需及於該次診症同時申請初步保障審核則除外 有關 附加醫療保障 此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 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 此保障將於 終生最高賠償額 耗盡後自動終止 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 MP054/14/1116/50K Printed on recycled paper 以再造紙印刷 4

5 Bupa CarePro 保柏卓康健 Staying healthy just got easier 掌握健康從此更輕易

6 Introduction to Bupa CarePro 保柏卓康健醫療保障計劃簡介 Bupa CarePro offers you exceptional medical protection at an affordable rate, so you have access to quality healthcare when you need it. And because you won t be compromising on your cover in order to support your budget, Bupa CarePro is a sustainable option. What s more, we understand everyone s health needs are different, so we give you the flexibility to add on optional extras to suit your individual needs. 保柏卓康健 以實惠的保費為您提供卓越的醫療保障, 在有需要時, 您便可享有優質的醫療保健服務 由於負擔保費並不吃力, 您可輕鬆地延續保障 此外, 保柏明白每個人對健康的需求也不同, 因此我們提供多項自選保障, 靈活地切合您的個人需要 4

7 There is no waiting period, meaning that you are protected as soon as your membership starts. 此計劃不設等候期, 您的會籍生效後即可獲得保障 Overview of your cover 您的保障概要 Cover at a glance 保障一覽表 Basic benefit 基本保障 Optional benefits 自選保障 Free benefit 免費保障 Medical card 醫療卡 Choice of benefit levels 保障等級選擇 Hospital and Surgical Benefit 住院及手術保障 Full Cover Benefit 全數賠償保障 Supplementary Major Medical Benefit 附加醫療保障 Hospital Cash Benefit 住院現金保障 Clinical Benefit 門診保障 Maternity Benefit 產科保障 Free Bupa Worldwide Assistance Programme 免費保柏國際援助計劃 Yes (For members choosing Full Cover Benefit and/or Supplementary Major Medical Benefit) 有 ( 適用於已加入全數賠償保障及 / 或附加醫療保障之會員 ) Private (Plan 1 or 4) 私家房 ( 計劃 1 或 4) Semi-private (Plan 2 or 5) 半私家房 ( 計劃 2 或 5) Ward (Plan 3 or 6) 大房 ( 計劃 3 或 6) Eligibility 投保資格 Issue age 投保年齡 Renewal of scheme 續保 18 years or above 18 歲或以上 Renewal of your cover is guaranteed for life regardless of your claims or changes in your health 無論索償多少或您的健康狀況有任何變化, 保柏保證終生續保您的保障計劃 Please refer to the Schedule of Benefits for more information. 詳情請參閱保障金額表 1

8 Step into a world of benefits 安心享有周全的保障 Our healthcare expertise means that we are able to offer unparalleled benefits to our members, from higher cover to expert healthcare and a lifetime of support. 我們在醫療保健上擁有豐富經驗, 因此能為會員提供卓越的保障, 包括更高賠償 專業的醫療保健服務以及終生的支援 Supporting you always 時刻支援您的需要 Higher pay-out from a lump sum benefit The optimal combination of our Hospital and Surgical Benefit and Full Cover Benefit can cover your basic hospital expenses. The Full Cover Benefit guarantees that 100% of your hospital expenses will be paid, regardless of each individual item limit, as long as the total bill falls within the annual limit (from HK$215,000 to HK$760,000). To enjoy the Full Cover Benefit, simply select an attending doctor from our network providers. And in eight renowned private hospitals appointed by Bupa, you can receive quality treatment without any payment or claims thanks to our pioneering medical card. If you wish to consult a doctor outside our network, you will still be covered under the Hospital and Surgical Benefit. Top-up benefit to cover serious illnesses Some serious or long-term illnesses can rack up unexpected costs. The Supplementary Major Medical Benefit will help to reduce potential out-of-pocket expenses by boosting your basic cover. It pays 80% of your medical expenses in excess of the amount covered by the Hospital and Surgical Benefit or Full Cover Benefit. Similar to Full Cover Benefit, you will receive a medical card. Before a hospital stay, simply call us to complete a simple registration process and present this card at any local private hospital. We will pay all your eligible medical expenses directly up to your credit limit, so you don t have to submit any claims. No claims renewal bonus If you do not claim within a specific period, you can enjoy an increasing renewal discount on your Hospital and Surgical Benefit and Full Cover Benefit. You will receive 5% discount if you do not claim for two or three consecutive years, 10% discount for four or five consecutive years and 15% discount for six or more consecutive years. No extra subscription Regardless of your claim history or changes in health after joining Bupa CarePro, there will be no increase in subscription on an individual basis when you renew your contract. Please refer to the Question Time section for more details. 詳情請參閱常見問題部分 w Supplementary Major Medical Benefit is not applicable to Pre-admission and Post-hospitalisation Out-patient Care and Emergency Out-patient Benefit for Accidents. A small deductible is required. 附加醫療保障 不適用於入院前 出院後之門診護理及緊急意外門診保障, 並設有小額墊底費 2

9 If you choose to add the Full Cover Benefit to your cover, we will pre-authorise your medical expenses before your hospital admission, so all you have to think about is getting better. 如您選擇附加 全數賠償保障, 我們將會在您入院前, 預先為您批核醫療費用, 讓您可安心接受治療 一筆過保障額賠償更高 住院及手術保障 和 全數賠償保障 的組合可助您應付基本的住院支出 全數賠償保障 不限制於每項住院費用, 只要住院總支出在每年保障額內 ( 由港幣 21 萬 5 千元至 76 萬元 ), 您便可獲 100% 賠償 要享有 全數賠償保障, 您只須從保柏網絡內選擇您的主診醫生, 並可憑醫療卡於 8 間著名的特選私家醫院接受治療, 而不用繳費及索償 如果有需要時您亦可選擇網絡以外的醫生, 而獲得 住院及手術保障 的賠償 加添保障應付嚴重疾病嚴重或長期疾病的醫療支出往往在您意料之外, 附加醫療保障 可為您減低自付費用 當醫療費用超出 住院及手術保障 或 全數賠償保障 的賠償額時, 附加醫療保障 將賠償差額的 8 成 與 全數賠償保障 一樣, 您將會獲發醫療卡 您只須於入院前致電保柏完成簡單的登記程序, 並於入住本港任何一間私家醫院時出示醫療卡, 我們便會直接向醫院支付醫療費用以您的信用額為上限 ), 無須申請索償 無索償保費折扣若您在指定期間內未曾提出索償, 您便可享有 住院及手術保障 和 全數賠償保障 的續保保費折扣 如連續兩年或三年未有索償, 您可獲享 5% 保費折扣 ; 連續四年或五年, 可享 10% 保費折扣 ; 連續六年或以上, 更可享 15% 保費折扣 不收個人額外保費在投保 保柏卓康健 後不論您的索償紀錄或健康變化, 在您續保時我們絕不會收取個人額外保費 3

10 with medical expertise 更佳保障因為我們了解醫療 Higher cover thanks to per-surgery benefit Most insurance schemes pay for surgical fees per disability. This means that all operations related to the same condition will be paid out of a single maximum benefit limit. Once the limit is exhausted, you will need to pay the excess. With Bupa, you can claim up to the maximum benefit limit for each operation, allowing you to enjoy higher cover if you require more than one operation. Extra Cancer Treatment and Kidney Dialysis Benefit Bupa Group has been dealing with the diagnosis and treatment of serious illness like cancer and kidney failure for over 70 years. As we understand that they often require prolonged treatment, we offer additional coverage of up to HK$130,000 per year, making it easier for you to afford more costly and advanced treatment options. What s more, if this cover is fully claimed in any one year, it will be reinstated in the following year for the rest of your lifetime. Clinical surgery and day-case procedure We know a lot of treatments do not require overnight hospital stay such as endoscopies or colonoscopies, so we have not included a minimum length of stay in your cover. Our Hospital and Surgical Benefit covers you for both day-case surgery and clinical operations, increasing the value of your cover. 逐次手術賠償, 保障更高大部分醫療保障計劃的手術賠償均以每病症計, 即因相同病症而引致的手術費用均會在同一保障額內扣除 當保障額耗盡後, 您便須要自付餘下的費用 保柏則逐次手術賠償至最高賠償額, 如須要進行超過一次手術, 您可獲更高的實際賠償金額 額外癌症治療及洗腎保障保柏集團對治療和診斷癌症及腎病有逾 70 年經驗, 我們明白患者有長期治療的需要, 所以特別提供高達每年港幣 13 萬元的額外保障, 讓您能負擔較昂貴的最新療法 此外, 每年賠償額用盡後亦可於下一年還原, 直至終生 診所手術及日症治療我們明白很多治療是無須住院的, 如胃鏡或腸鏡等日症手術, 因此我們在 住院及手術保障 下賠償這些無須住院的日症手術及診所手術, 讓您在更多情況下獲得賠償 照顧意外受傷小意外如跌傷撞傷 燒傷燙傷經常都可能發生, 因此我們提供 緊急意外門診保障, 賠償因意外引致, 而須要到醫院門診部或急症室接受的緊急門診治療 Cover for accidental injuries Accidents such as bumps, bruises, burns and scalds can occur anytime, so we now offer you Emergency Out-patient Benefit for Accidents, which covers emergency treatment received at the out-patient department or accident and emergency department of a hospital, from the result of an accident. 4

11 Claims service pledge No claims procedure is required if you use the Bupa medical card. All other hospitalisation and consultation claims will be settled within 5 7 working days after full documentation is received. 賠償服務承諾如您使用保柏醫療卡, 無需索償手續 其他住院及門診賠償, 於收妥所需文件後 5 7 個工作天內支付 throughout your life 照顧您人生不同階段 Guaranteed lifetime renewal We guarantee that your cover can be renewed for life. And your subscription will be based on your age only no matter how much you claim on conditions arising after your membership starts. Maternity Benefit To take care of mums-to-be, we will cover medical expenses related to your pregnancy needs including the obstetrician s fees, hospitalisation charges, prenatal and postnatal checkup costs, and nursery care for newborn baby for normal delivery, caesarean section and miscarriage. You will receive reimbursement after your maternity cover takes effect for 9 months or more. Up to 50% discount for family enrolment We want to support you as your family grows. If both you and your children enrol together, each child can enjoy a discount on Hospital and Surgical Benefit and Full Cover Benefit, if any, on Bupa Care Kid Health Insurance Scheme for as long as your membership continues. If one parent enrols, each child will receive a 25% discount and if both parents enrol, then they will receive a 50% discount. Easy enrolment No medical examinations are required. 保證終生續保我們保證終生續保您的保障, 無論您因會籍開始後所患疾病索償多少, 保費只會根據您的年齡而調整 產科保障我們特別為準備生育的女士提供產科保障, 賠償因懷孕而引致的醫療費用, 包括順產 剖腹生產或流產的產科醫生費用 住院費用 產前及產後檢查費用, 以及初生嬰兒的護理費用 您將會在產科保障生效起 9 個月後開始獲得賠償 高達 50% 家庭投保優惠隨著您的家庭增添成員, 我們的支援仍伴您左右 如您和子女一同投保, 每名子女可獲 保柏童康健 醫療保障計劃的 住院及手術保障 及 全數賠償保障 ( 如適用 ) 的折扣優惠 如父母其中一人投保, 子女可享 25% 保費折扣 ; 如父母二人均投保, 子女更可享 50% 保費折扣 在您會籍生效期間, 子女可一直享有此折扣 投保簡易無須驗身, 快捷簡單 Bupa reserves the right to amend the subscription, benefits, terms and conditions upon your contract renewal. Bupa guarantees that your cover can be renewed for life, unless you change your residency to the US after subscribing to this scheme. This is a restriction imposed by the US legislation where any offshore insurance company cannot provide health cover to US residents. 保柏保留在續保時更改保費 保障 條款及細則的權利 保柏保證終生續保您的保障, 除非您於投保後居住國家更改為美國, 這是美國法例的規定, 任何美國境外的保險公司均不能為美國居民提供醫療保障 5

12 The World of Bupa 環球保柏 Bupa Group Established in the UK in 1947, Bupa is a leading international healthcare group serving over 32 million customers in more than 190 countries. We are the largest health insurer in the UK. Our diversified healthcare services include health insurance, hospitals, primary care and diagnostic centres, dental centres, workplace health services, home healthcare, health assessments, chronic disease management services, nursing and residential care for elderly people. With no shareholders, we invest our profits to provide more and better healthcare and fulfill our purpose. We employ almost 84,000 people, principally in the UK, Australia, Spain, Poland, New Zealand and Chile, as well as Saudi Arabia, Hong Kong, India, Thailand, and the USA. 保柏集團保柏於 1947 年在英國成立, 至今已成為領先於同業的國際醫療保健集團, 在全球 190 多個國家為 3,200 萬名客戶服務 保柏是英國最大的醫療保險集團 我們提供多元化的醫療保健服務, 包括醫療保險 醫院服務, 基層醫護及診斷中心 牙科護理中心 職場健康 家居醫療護理 健康評估 慢性疾病管理服務 看護服務及長者家居護理服務 我們不設股東, 因此可將所有盈餘投資於業務當中, 以提供更廣及更佳的醫療保健服務, 實踐我們的目標 保柏擁有約 84,000 名員工, 主要市場包括英國 澳洲 西班牙 波蘭 新西蘭和智利, 以及沙特阿拉伯 香港 印度 泰國和美國 Bupa s purpose is helping people live longer, healthier, happier lives. 保柏的目標是助人活出更長壽 更健康和更愉快的人生 Bupa s presence in Hong Kong Bupa is a leading provider in healthcare funding and provision with two independent units, Bupa Hong Kong and Quality HealthCare. Bupa Hong Kong Bupa Hong Kong has been a health insurance specialist since Our expertise in healthcare has gained the trust of more than 400,000 individuals, 3,200 companies and the Hong Kong Government, who for 20 consecutive years has recommended Bupa as the provider of quality health insurance for civil servants. We have applied our expertise to provide our members with comprehensive and flexible insurance plans to suit every life stage and lifestyle. Through our extensive provider network in Hong Kong, we offer our members a wide choice of doctors. Quality HealthCare Quality HealthCare Medical Services Limited (QHMS), Hong Kong, became part of Bupa in October QHMS operations span diagnostics, primary healthcare and day care specialties. With roots tracing back to 1868, QHMS serves the community through a network of around 100 multi-specialty centres and over 500 affiliated clinics offering Western Medicine, Traditional Chinese Medicine, Diagnostics & Imaging, Dental, Physiotherapy services, etc. It also operates a private nursing agency. QHMS is the largest provider of healthcare services to corporates in Hong Kong. In 2015, the Group recorded more than 2.8 million healthcare visits. QHMS continues to extend its existing portfolio into high end specialty services. For more information, please visit 保柏於香港的業務 保柏透過旗下兩間獨立營運的公司 保柏香港及卓健醫療, 為市民提供醫療保險及醫療保健服務, 兩者皆具領導地位 保柏香港保柏香港自 1976 年成立, 為本港首間及唯一專注醫療保險的公司 植根香港逾 40 載, 我們的專業醫療保險服務為超過 40 萬名會員及 3,200 間公司所信賴 我們更連續 20 年獲香港政府推薦, 為本港公務員提供醫療保險 憑藉專業知識, 我們為會員提供全面而靈活的醫療保險計劃, 切合您人生每一階段的需要 透過擁有龐大本港醫療網絡, 我們讓會員有更多醫生選擇 卓健醫療卓健醫療服務有限公司 ( 卓健醫療 ) 於 2013 年 10 月正式加入保柏 卓健醫療的服務涵蓋診斷 基層保健及專科服務 自 1868 年起植根香港, 卓健醫療透過約 100 間多項專科設施齊備的醫療中心及 500 多間聯營診所, 為香港市民及訪港旅客提供西醫 中醫 放射診斷 牙科及物理治療等服務 卓健醫療並營運護理介紹所, 是為香港最大規模為企業提供醫療服務的機構 於 2015 年度, 卓健醫療錄得超過 280 萬求診人次, 並繼續拓展其服務版圖至高質專科服務 詳情請瀏覽 6

13 Health Coaching Services 健康支援服務 We are here for you at all times, offering utmost peace of mind. Apart from paying your medical bills, we minimise your worries through personal support when you are unwell. For more complicated conditions, our medical expertise can offer guidance in helping you to recover from your illness. 保柏時刻伴您左右, 讓您安枕無憂 除支付您的醫療費用外, 保柏在您患病時給您貼身支援, 減輕您的憂慮 當遇上較嚴重的疾病時, 我們以專業知識為您提供指引, 助您復原 Assisting you at all times 時刻為您提供協助 Our 24/7 Customer Care helpdesk operates 24 hours every day, with a live person to directly answer your queries. Our 24/7 Healthline is staffed with a team of qualified nurses and healthcare professionals, supported by doctors, providing assistance and guidance from how to care for a sick child or elderly to discussing your symptoms, diagnosis and treatment options. 我們的 24 小時客戶服務專線由專人每天 24 小時, 即時解答您的查詢 我們的 24 小時健康專線由合資格護士及健康管理團隊為您提供協助及指導, 例如怎樣照顧患病小孩或長者, 以至助您了解病徵 診斷及治療方案, 背後更有醫生作為顧問 Supporting you personally 給您個人支援服務 A dedicated Care Manager can be in touch with you to follow up on your claims, and can make a courtesy call or visit, with your consent, when you are admitted into a local private hospital. 個人健康顧問可與您緊密聯絡, 跟進您的索償 ; 當您入住本港私家醫院時並得到您的同意下, 我們可前往醫院探望您或致電慰問您 Guiding you through your recovery 康復期間提供指引 A second medical opinion can be arranged and paid for in the event of serious illnesses, so you will be assured of a professional opinion from a global panel of medical specialists, helping you make an informed decision for your treatment options. A qualified nurse can support you throughout your treatment and recovery, from explaining your treatment in everyday language and overseeing costs to arranging consultations after hospital discharge in the event of major and complex surgeries. Doctor referrals can be made based on your condition and needs. 提供第二醫療意見服務, 當患上嚴重疾病時, 您可免費獲得國際醫療專家為您提供專業意見, 讓您掌握病情從而決定治療方法 合資格護士可跟進您的治療和康復安排, 助您了解您的治療計劃和醫療開支, 以及當您在接受了大型及複雜手術後, 可為您安排出院後的跟進治療 提供醫生轉介服務, 可根據您的病況及需要建議醫生給您 Availability of the above services is dependent on room level. Ward level members can only access 24/7 Customer Care helpdesk and 24/7 Healthline. Care Manager will support you in the event of cancer or heart disease. The use of Health Coaching Services is free of charge. If the services suggested by us are not covered under your Bupa CarePro Health Insurance Scheme, you will be responsible for the fees incurred. 會員是否可享用以上的服務視乎投保的病房級別而定 投保大房級別的會員只可享 24 小時客戶服務專線及 24 小時健康專線服務, 而健康顧問將於會員患上癌症或心臟病時提供協助 使用健康支援服務並不需額外費用 若我們建議的服務不在您的 保柏卓康健 醫療保障計劃之賠償範圍內, 您便須支付有關費用 Doctors will be available during scheduled office hours to support the nurses for answering enquiries. Office hours: Mon Fri, from 9am to 7pm (Hong Kong time), except public holidays. 醫生會於辦公時間內支援護士解答問題 辦公時間為星期一至五, 上午 9 時至下午 7 時 ( 香港時間 ), 公眾假期除外 7

14 Question Time 常見問題 1 Is there any minimum length of hospital stay? There is no minimum length of stay, meaning that procedures such as endoscopy, a plaster cast, wound sutures, radiotherapy and chemotherapy, which do not require hospital confinement, are covered. 2 How do I pay my subscription? You can pay your subscription monthly or annually according to your preference. 3 How do I use my Bupa medical card to get the most from my Full Cover Benefit? You will need to visit a specialist and clinic appointed by Bupa and present your medical card upon registration. The specialist will then get pre-authorisation of the medical expenses for you if hospital confinement is required. You can choose from one of the Bupa HealthCare Appointed Hospitals where your specialist is registered. Once the preauthorisation is confirmed, we will issue you with a Preauthorisation Confirmation / Guarantee of Payment Letter for your hospital confinement. You will need to show your medical card and this letter to your selected hospital to enjoy cashless treatment. Upon discharge, all you need to do is sign on the claim form provided by the hospital. You are not required to submit any claims as Bupa will directly settle your expenses with the hospital. You can also use the medical card to settle the expenses for medical procedure taken at the appointed specialist s designated clinic. If the expenses are under HK$4,000, preauthorisation is not required. For emergency hospital confinement outside our office hours, the pre-authorisation can be arranged on the next working day. Step-by-step details will be provided in your Membership Guide. 4 If I opt for the Supplementary Major Medical Benefit only, how do I use my Bupa medical card? Call us and submit a registration form before you are admitted to hospital. We will then give you a Pre-authorisation Confirmation / Guarantee of Payment Letter. For emergency hospital confinement outside our office hours, the registration can be submitted on the next working day. 1 是否設有最低住院時數? 此計劃沒有最低住院時數限制, 因此無須住院的常見治療如照胃鏡 打石膏 傷口縫合 電療 化療等, 均可獲賠償 2 保費繳付方法如何? 您可選擇以月供或年供支付保費 3 如何以保柏醫療卡盡享 全數賠償保障 賠償? 您須向保柏特選的專科醫生及診所求診, 於登記時出示您的醫療卡 如須入院治療, 專科醫生會代您向保柏為有關的醫療費用索取初步保障審核 您可選擇入住專科醫生已掛單的保柏康健特選私家醫院 當初步保障審核確認後, 您將會獲發 初步保障審核確認 / 付款保證信 以作入院之用 入院時, 請向醫院出示您的醫療卡及此信以享住院免繳費服務 出院時您只須於醫院為您填妥的住院賠償申請表上簽署, 保柏便會代您向醫院繳付費用, 您無須申請索償 您亦可使用您的醫療卡支付由特選專科醫生於指定的診所提供的手術治療 如費用不超過港幣 4,000 元, 您便無須索取初步保障審核 如在辦公時間外入院進行緊急治療, 您可於下一個工作天補辦審核 您可於您的 會員指引 中細閱有關詳情 4 如我只有 附加醫療保障, 我應如何使用我的保柏醫療卡? 您只須於入院前致電保柏, 並填妥登記表格, 您將獲發 初步保障審核確認 / 付款保證信 如在我們的辦公時間外入院進行緊急治療, 您可於下一個工作天補辦登記 5 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 24 小時網上服務 您亦可致電保柏客戶服務專線查詢 如您已向我們提供正確的手提電話號碼, 我們會在辦妥賠償後發出短訊通知您 5 How can I check my membership details or claim status? You can log in to Bupa Active on our website to access a host of 24-hour online services or call our dedicated Customer Care helpdesk. If you have submitted a claim, once it has been processed you will also receive our SMS confirmation if you provide us with an up-to-date mobile phone number. 8

15 General Exclusions 不受保障項目 We want to help you understand your coverage before enrolment. Below are the general exclusions: Pre-existing conditions (unless such conditions have been disclosed in the application and accepted by Bupa). 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 this 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, premature ejaculation, regardless of cause. Misuse or overdose of drugs or being under the influence of alcohol, self-inflicted 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 except for emergency treatment arising from accidents or the extraction of impacted wisdom teeth during hospital confinement. Follow-up 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. If you have any pre-existing medical conditions, special exclusions may be added after underwriting. 我們想讓您在投保前清楚了解保障範圍, 因此列出所有不受保障項目如下 : 已存在病症 ( 已於申請表披露並於登記加入時獲保柏接納為承保範圍內則除外 ) 不是醫療必需的治療 醫療服務 藥物或檢驗 任何在法例下或其他保險計劃內或從其他途徑可獲賠償之治療疾病或損傷費用, 除非此等費用未能在該等補償 保險計劃或途徑獲得賠償 在水療中心 天然治療中心 康復院 療養院 老人院或類似機構所提供之住宿 護理或服務的費用 手術性或非手術性整容或整形治療 聽覺測驗 常規驗血 例行檢驗 預防注射或接種疫苗 毛髮礦物質含量分析 健康補品或體重控制, 及因視力不正常而引致之治療, 包括但不限於常規視力測驗或所需之眼鏡或鏡片費用 先天性疾病 發育異常或遺傳性疾病 由保障開始日起首 5 年內, 因感染人體免疫力缺損病毒所引致的治療 性病及其後遺症 與懷孕有關的治療, 包括診斷性產科檢查 生育 墮胎或小產 ( 計劃內已包括之保障除外 ); 與男女任何一方的節育或絕育有關的治療 ; 由於不育而直接或間接進行的治療, 包括體外受孕, 任何非自然受孕或人工受孕 ; 與性機能失常有關之治療, 包括但不限於陽萎 不舉 早泄 ( 不論任何原因導致 ) 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 任何因參與犯罪活動而引致之疾病或損傷 另類治療, 包括但不限於中藥治療 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 ( 計劃內已包括之保障除外 ) 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 購買或使用輔助器具, 包括但不限於眼鏡 助聽器及其他設備例如輪椅 枴杖的費用 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 但不包括該住院後之跟進治療 因戰爭 入侵 外敵行動 開戰 ( 不論是否已宣戰 ) 內戰 暴動 革命 叛亂或軍人奪權 恐怖活動等直接或間接引致的治療 非醫療性服務, 包括但不限於客人膳食 收音機 電話 影印 稅項 ( 就醫療服務所徵收的增值稅或商品及服務稅除外 ) 醫療報告等費用 所有未經保柏批准之實驗性及 / 或最新治療 如您有任何已存在病症, 核保後可能加入除外條款 9

16 Bupa (Asia) Limited 保柏 ( 亞洲 ) 有限公司 18/F, Berkshire House 25 Westlands Road, Quarry Bay, Hong Kong 香港鰂魚涌華蘭路 25 號克大廈 18 樓 Telephone 電話 :(852) Facsimile 傳真 :(852) MP052/13/1116/11K Printed on recycled paper 以再造紙印刷 Care homes Cash plans Dental insurance Health analytics Health assessments Health at work services Health centres Health coaching Health information Health insurance Home healthcare Hospitals International health insurance Personal medical alarms Retirement villages Travel insurance Bupa Hong Kong