COMPARING BUPA GLOBAL HEALTH PLANS

Transcription

1 COMPARING BUPA GLOBAL HEALTH PLANS This comparison guide is a summary of our plans to help you understand the high level differences between them. Full details of the benefits, limitations, exclusions and how to use the plans can be found in the relevant health plan guides. To view the guides click here SELECT PREMIER ELITE ULTIMATE If you have any questions our sales team is happy to help. Please call January 2015

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3 BUPA GLOBAL HEALTH PLANS COMPARISON TABLE BENEFIT SELECT PREMIER ELITE ULTIMATE Overall annual maximum USD 1,500,000/HKD 11,700,000 USD 2,500,000/HKD 19,500,000 USD 5,000,000/HKD 39,000,000 Unlimited Geographical area of cover Asia Pacific* Worldwide Worldwide Worldwide No cover outside of Asia Pacific Mandatory pre-authorisation Mandatory pre-authorisation for: Mandatory pre-authorisation in USA Mandatory pre-authorisation for: Mandatory pre-authorisation for: for: staying overnight in hospital obesity surgery genetic cancer screening visiting hospital as a day-patient staying overnight in hospital prophylactic surgery refractive eye surgery internal cardiac defibrillator obesity surgery advanced imaging visiting hospital as a day-patient reconstructive surgery prophylactic surgery internal cardiac defibrillator transportation (evacuation) advanced imaging reconstructive surgery transportation (evacuation and home nursing transportation (evacuation) repatriation) and for all other areas: at health resorts obesity surgery prophylactic surgery complications of maternity and internal cardiac defibrillator childbirth reconstructive surgery transportation (evacuation and repatriation) transportation (evacuation) General benefits and rules Cover for certain pre-existing Yes Yes Yes Yes conditions, availability subject to underwriting Covered for chronic conditions if Yes Yes Yes Yes diagnosed after enrollment Cover for congenital & hereditary Yes Yes Yes Yes conditions if diagnosed after enrollment No cancellation of policy based on Yes Yes Yes Yes claims pattern/history Automatic renewal Yes Yes Yes Yes General waiting period from start of cover No general waiting period. Please note waiting periods can apply to specific benefits as detailed in this document. *The definition of Asia Pacific can be found in our plan guide on bupaglobalplans.com

4 BENEFIT SELECT PREMIER ELITE ULTIMATE Co-insurance is the amount you pay towards every out-patient treatment you receive. Co-insurance Applies to out-patient care only Out-patient day to day care USD 12,500/HKD 97,500 Co-insurance Applies to out-patient care only Mandatory 15% Optional 0% Optional 0% Optional 25% Optional 15% Optional 15% Optional 25% Optional 25% USD 25,000/HKD 195,000 Co-insurance Applies to out-patient care only USD 75,000/HKD 585,000 No co-insurance Unlimited Out-patient surgical operations Pathology, scans, X-ray and diagnostic tests Specialist consultations and doctor s fees 15 visits 30 visits 60 visits Qualified nurse Mental health Physiotherapists, osteopaths and Not covered chiropractor Occupational and orthoptic therapy Footcare Acupuncture and reflexology Not covered Homeopathy, naturopathy and USD 3,000/HKD 23, visits Chinese medicine Prescribed drugs and dressings USD 1,500/HKD 11,700 Up to 15 visits each policy year for USD 6,000/HKD 46,8000 Durable medical equipment - rental/ complementary medicines purchase 50% cover over limit Dietetic guidance Not covered 4 visits Preventive treatment Health screening (10 months waiting period) 4 visits USD 400/HKD 3,100 USD 750/HKD 5,800 USD 1,500/HKD 11,700 USD 7,500/HKD 58,500 per policy year Children s/influenza/hpv vaccinations Not covered USD 750/HKD 5,800 USD 1,500/HKD 11,700 Travel/pneumococal vaccinations / Not covered Not covered anti-malarial medicines Eye test Not covered 1 visit per year 1 visit per year Preventive dental (6 months waiting Not covered 2 visits per year 2 visits per year period) and dental checks Genetic cancer screening Not covered Not covered Not covered Dental treatment, Hearing aids and optical USD 1,500/HKD 11,700 USD 4,000/HKD 31,200 USD 15,000/HKD 117,000

5 BENEFIT SELECT PREMIER ELITE ULTIMATE Out-patient accident related dental treatment during dental waiting period Routine dental (6 month waiting period). Including; filling, root treatment, x-ray, tooth extraction, tooth cleaning, anaesthesia Major restorative (6 month waiting period). Including; bridges, crowns, dental implants, dentures Not covered Covered 50% Up to 30 days after the accident Up to 30 days after the accident Not covered Covered 50% Not covered Covered 50% Up to 30 days after the accident Orthodontics (12 months waiting period) Not covered Not covered Hearing aids Not covered Covered 50% Spectacle lenses and contact lenses Not covered Covered 50% Refractive eye surgery Not covered Not covered Not covered (1 per eye per lifetime) In-patient and Day-patient benefits Hospital accommodation, room and board Semi-private room Standard private room Standard private room Suite Personal expenses USD 17/HKD 130 per night USD 17/HKD 130 per night USD 17/HKD 130 per night USD 17/HKD 130 per night Parent accommodation in hospital for children under the age of 18 Room and board for accompanying family members Operating room, medicines and surgical dressings Not covered Not covered Not covered Room and board at the hospital or nearby hotel for three family members accompanying the insured. Local transport for same 3. Up to USD 15,000/HKD 117,000 per policy year Intensive care Surgery, including surgeons and anaesthetists fees Physicians consultation fees Pathology, radiology and diagnostic tests Mental health 90 days lifetime limit Bupa Global must be notified about any hospitalisation before the 5th night to approve any further treatment 90 days lifetime limit Bupa Global must be notified about any hospitalisation before the 5th night to approve any further treatment 90 days lifetime limit Bupa Global must be notified about any hospitalisation before the 5th night to approve any further treatment 90 days lifetime limit Bupa Global must be notified about any hospitalisation before the 5th night to approve any further treatment Physiotherapists, occupational therapists, speech therapists and dieticians

6 BENEFIT SELECT PREMIER ELITE ULTIMATE Obesity surgery (24 months waiting period) Prophylactic surgery Prosthetic devices USD 4,000/HKD 31,200 per device USD 4,000/HKD 31,200 per device USD 6,000/HKD 46,800 per device Prosthetic implants Reconstructive / remedial surgery Accident related dental treatment Pre- and Post-hospitalisation In-patient hospital cash benefit Up to 20 nights each policy year, up to USD 150/HKD 1,170 per night Up to 20 nights each policy year, up to USD 150/HKD 1,170 per night Up to 20 nights each policy year, up to USD 250/HKD 1,950 per night Home nursing Not covered Not covered 30 days Pre-authorisation required. Should start immediately after in-patient stay and be medically prescribed. Not included Hospice and palliative care USD 40,000/HKD 312,000 per lifetime USD 40,000/HKD 312,000 per lifetime USD 40,000/HKD 312,000 per lifetime Rehabilitation (multidisciplinary ) 30 days 30 days 60 days 30 days Pre-authorisation required. Should start immediately after in-patient stay and be medically prescribed. 90 days Rehabilitation at health resorts Not covered Not covered Not covered. 30 days. In-patient and/or out-patient care Advanced imaging Cancer treatment Transplant services - per condition USD 300,000/HKD 2,340,000 per USD 600,000/HKD 4,680,000 per USD 900,000/HKD 7,020,000 per lifetime lifetime lifetime Kidney dialysis Maternity/childbirth (after 10 months) Normal/birthing centre/home delivery Not covered Not covered USD 15,000/HKD 117,000 Medically essential caesarean Not covered Not covered USD 30,000/HKD 234,000 Pre- and post-natal treatment Not covered Not covered Covered as out-patient day to day care Maternity complications Not covered Not covered Children born into policy without No No Yes Yes underwriting Transportation/travel Medical evacuation Covered as out-patient day to day care

7 BENEFIT SELECT PREMIER ELITE ULTIMATE Medical repatriation Not covered Not covered Travel cost for an accompanying person Travel cost for the transfer of children Compassionate visit and return Not covered Not covered 5 trips per lifetime, USD 1,500/HKD 11,700 per trip (no limit on number of trips) Compassionate visit living allowance Not covered Not covered 10 days, USD 150/HKD 1,170 per day Compassionate emergency Not covered Not covered Not covered repatriation Living allowance 1 relative 10 days, USD 150/HKD 1,170 per day 1 relative 10 days, USD 150/HKD 1,170 per day 1 relative 10 days, USD 150/HKD 1,170 per day 3 relatives Up to USD 15,000/HKD 117,000 Local air ambulance Local road ambulance Non-medical evacuation Not covered Not covered Not covered Repatriation of mortal remains Price Size of policy discount 10% for 2 people, 15% for 3+ people 10% for 2 people, 15% for 3+ people None None Children at no extra cost No No Yes - under the age of 10 Two per paying parent on this plan Subject to underwriting Yes - under the age of 16 Two per paying parent on this plan Subject to underwriting GLOBAL HEALTH PLAN EXCLUSIONS Applies across all: Administration/ registration fees; Advance payments/ deposits; Artificial life maintenance; Birth control; Conflict and disaster; Convalescence, nursing home and admission for general care, or staying in hospital or other establishment; Cosmetic treatment; Developmental problems; Epidemics and pandemics; Experimental treatment; Genetic testing; Gender issues; Harmful or hazardous use of alcohol, drugs and/or medicines; Health hydros, nature cure clinics etc; Infertility treatment; Mechanical or animal donor organs; Obesity; Persistent vegetative state (PVS) and neurological damage; Sexual problems; Sleep disorders; Stem cells; Surrogacy; Temporomandibular joint (TMJ) disorders; Unrecognised medical practitioner, provider and facility. Additional exclusions for Bupa Global Select Health Plan: Complementary therapists; Footcare; Maternity and childbirth; Treatment equipment or surgery to correct eyesight; Treatment outside area of cover. Additional exclusions for Bupa Global Premier Health Plan: Certain types of Chinese medicines; Maternity and childbirth; Treatment equipment or surgery to correct eyesight; Treatment outside of network in USA. Additional exclusions for Bupa Global Elite Health Plan: Certain types of Chinese medicines; Treatment equipment or surgery to correct eyesight. Additional exclusions for Bupa Global Ultimate Health Plan: Certain types of Chinese medicines.

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