As your trusted banking partner, Hang Seng Bank is committed to helping your company achieve success with a full range of solutions for your business

Transcription

1

2 As your rused banking parner, Hang Seng Bank is commied o helping your company achieve success wih a full range of soluions for your business needs and joinly provides qualiy and affordable group medical insurance cover wih Bupa. A healh insurance specialis in Hong Kong, Bupa is par of he Bupa group esablished in he UK in The Bupa group is now a leading inernaional healhcare organisaion serving 29 million cusomers in more han 190 counries hrough diversified healhcare services from healh insurance o hospials, care homes and healh assessmens. As Bupa does no have any shareholders, is profis are invesed o provide more and beer healhcare o cusomers and communiies. 1 2

3 Fla subscripions regardless of age This scheme is highly affordable, wih subscripions saring from as low as HK$2.50 per day per member. This scheme also offers a fla rae for all employees and heir dependans under he same plan regardless of age, making i easier for you o plan your budge. Access o lifelong cover As a member of Flexi HealhNe, your employees and heir dependans will have access o lifelong proecion wih he opion o ransfer o Bupa s designaed individual healh insurance scheme when hey reire or have a change in employmen. All eligible illnesses ha commenced during heir group membership will be covered under ha scheme. Round-he-clock cusomer services Dedicaed Cusomer Care Advisors are available 24 hours every day o answer any queries you and your employees may have. Online services are also available o view scheme deails, rack claim saus and manage your scheme s membership. Wih he Docors Finder app, members can search for nework docors easily on he go. Comprehensive cover wih flexibiliy in choice This scheme provides comprehensive cover for a wide range of hospial expenses, while leing you choose from five differen plans and opional benefis such as Clinical Benefi, Supplemenary Major Medical Benefi and Denal Benefi. This gives you he flexibiliy o design your employee benefi program o caer for differen job levels wihin your budge. Full Cover for ou-paien consulaions The opional Clinical Benefi offers full cover of all expenses for docor visis as well as ess and scans, including MRI, wihin Bupa s nework. Cashless ou-paien reamen wih medical card The medical card makes i so simple for members o enjoy heir Clinical Benefi. Members can enjoy cashless oupaien reamen wihou having o pay any bills or submi claims by presening he Bupa HealhNe Card a around 1,500 nework docors and medical service providers in Hong Kong and Macau. 3 4

4 , ,500 12,200 8,150 6,120 5,100 23,000 11,650 7,300 6,100 4,580 e (17) (17) e ,600 44,900 36,800 30,600 22,800 40,800 22,450 18,400 15,300 11,400 20,400 11,220 9,200 7,650 5,700 10,200 5,610 4,600 3,830 2,850 24,600 13,500 11,040 9,200 6,860 12,300 6,750 5,520 4,600 3,430 6,150 3,380 2,760 2,300 1,720 3,080 1,690 1,380 1, ,500 15,700 12,840 10,680 8,000 14,250 7,840 6,420 5,340 4,000 7,130 3,920 3,210 2,670 2,000 3,560 1,970 1,610 1,330 1,000 1, ,700 7,650 4,590 3,870 2,550 6,100 3,050 1,620 1,

5 r r 1, ,850 1, , NOTES: A referral leer is valid for he same or relaed medical condiion for six monhs from he issue dae. Anoher referral leer is required for reamen of a new or unrelaed medical condiion. r The maximum number of visis for HealhNe Benefi and Non-HealhNe Benefi in aggregae per Conrac Year is 30 for iems 1-6 in oal, wih a sub-limi of 10 visis for iems 5-6 in oal. This is subjec o a maximum of one visi per iem per day. To enjoy full cover under HealhNe Benefi: Bupa HealhNe (BHN) Card mus be presened o one of he HealhNe Service Providers shown in he Lis of HealhNe Service Providers before reamen and used for paymen of medical expenses. Pre-auhorisaion mus be obained from Bupa for: - Diagnosic imaging or laboraory ess exceeding HK$2,000; or - Specialis reamen for which he relevan specialy is no available in he Lis of HealhNe Service Providers. Specialis consulaion (excep for gynaecology, paediarics and family medicine) and physioherapy mus be referred by a General Praciioner or Specialis shown in he Lis of HealhNe Service Providers and performed by a Specialis or Physioherapis shown in he same lis (unless he specialy is no available in he lis). If any of he above requiremens is no followed, eligible medical expenses will be reimbursed under Non-HealhNe Benefi. 7 8

6 ,113 1,296 1,391 2, , , ,218 1,296 1,391 5, , , ,164 1,296 1,391 4, , , ,290 The followings are he general exclusions o help you undersand your coverage before enrolmen: Pre-exising condiions - means illness or injury ha commenced or presened sign(s) and sympom(s) prior o he Member s Coverage Commencemen Dae. Treamen, medical service, medicaion or invesigaion which is no medically necessary. Any illness or bodily injury for which compensaion is payable under any laws or regulaions or any oher insurance policy or any oher sources excep o he exen ha such charges are no reimbursed by any such compensaion, insurance policy or sources. Any charges for accommodaion, nursing and services received in healh hydros, naure cure clinics, convalescen home, res home, home for he aged or similar esablishmens. Any charges in respec of surgical and non-surgical cosmeic reamen, Hair Mineral Analysis (HMA), healh supplemens or body weigh conrol (unless approved by Bupa). Any charges in respec of prevenive measures including bu no limied o rouine blood ess, general check-ups, vaccinaion and inoculaions, hearing ess, eye refracion including rouine eye ess or any cos of fiing of specacles or lens. Congenial condiions or developmenal condiions or herediary condiions. Treamen ha commenced during he firs five years from he coverage commencemen dae of his conrac and which in any way arises from, is aribuable o, or is consequenial upon Human Immunodeficiency Virus Infecion. Sexually ransmied (venereal) diseases or heir sequel. Treamen relaing o pregnancy, including diagnosic ess for pregnancy or resuling childbirh, aborion or miscarriage; birh conrol or serilisaion of eiher sex; inferiliy including in-viro ferilisaion or any oher arificial mehod of inducing pregnancy; or sexual dysfuncion including bu no limied o impoence, erecile dysfuncion and pre-maure ejaculaion, regardless of cause. Misuse or overdose of drugs or being under he influence of alcohol, selfinfliced injuries or aemped suicide. Treamen relaing o any illness or bodily injury resuling from paricipaion in criminal aciviies. Alernaive reamen including bu no limied o Chinese medicines reamen, acupuncure, acupressure, Tui Na, hypnoism, rolfing, massage herapy and aromaherapy (unless i is payable under Chinese Herbalis Benefi or Chinese Boneseer Benefi). Senile Demenia (including Alzheimer s disease), Parkinson s disease, psychological or psychiaric condiion(s) of any and all kinds, including bu no limied o psychoses, neuroses, depression, anxiey, anorexia nervosa, schizophrenia, behavioural disorders, delirium, insomnia and neurashenia. Any charges for he procuremen or use of special braces and appliances, including bu no limied o specacles, hearing aids and oher equipmens such as wheel chairs and cruches. Any reamen or invesigaion relaed o denal or gum condiions (unless i is payable under Denal Benefi) excep for emergency reamen (no followup reamen) arising from accidens or he exracion of impaced wisdom eeh during hospial confinemen. Treamen arising from war, invasion, acs of foreign enemies, hosiliies (wheher war be declared or no), civil war, rebellion, revoluion, insurrecion or miliary or usurped power or erroris acs. Non-medical services, including bu no limied o gues meals, radio, elephone, phoocopy, axes (excep he Value-Added Tax or Goods and Services Tax for medical services), medical repor charges and he like. Experimenal and/or new medical echnology/procedure no ye approved by Bupa. Engaging or aking par in naval, miliary or airforce or any operaion wih any armed force; or any form of professional spors. CB469 08/15 (BP) 9 10

7