Hang Seng Bank strives to provide quality health insurance services to customers and jointly offers a range of medical protection schemes with Bupa.

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2 Hang Seng Bank strives to provide quality health insurance services to customers and jointly offers a range of medical protection schemes with Bupa. A health insurance specialist in Hong Kong, Bupa is part of the Bupa group established in the UK in The Bupa group is now a leading international healthcare organisation serving 29 million customers in more than 190 countries through diversified services including health insurance, hospitals, primary care and dental centres, workplace health services, home healthcare, health assessments, chronic disease management services, nursing and residential care for elderly people. 1 2

3 Flat subscription rate for customers above 60 This scheme offers a flat subscription rate for customers above the age of 60 while normally most of the health insurance will increase your premium because of your age (2), and end up with escalating expenses for you when you are getting old. So this makes it relatively easier for you to plan your finances after retirement. Free medical check-up Regular health screening is important for early detection and early treatment of illnesses. Therefore, your cover comes with a free comprehensive health assessment at the designated health screening centre of this scheme every year, starting from your second year of membership. Alternatively you can choose your own health screening centre and claim up to HK$4,000 worth of medical check-up. Enhanced cover by including your pre-existing conditions You will have the option to cover certain pre-existing conditions that have occurred before your enrolment, usually common illnesses, with additional individual subscription. This amount is determined at the point of your enrolment as a fixed percentage of your total plan subscription (3). This percentage does not change subsequently even with changes in your health condition. Full cover for hospital and surgical expenses (1) This scheme provides generous worldwide cover of up to HK$30 million every year without any limit on the total medical expenses you can claim during your lifetime, giving you full peace of mind to receive the best treatment anywhere in the world for as long as you need it. Your benefits will be the same even if you are travelling or staying overseas, with hospital and surgical expenses such as surgeon fees, intensive care and treatment for critical illnesses like cancer covered in full up to your overall annual limit at private room level (1). Flexibility to tailor your plan This scheme offers an optional Clinical Benefit. If you opted for the Clinical Benefit, you can also choose to add Dental and Optical Benefit. When you enrol with your family, you have the freedom to tailor different packages that are right for you and your family members. Cashless treatment and no claim hassle With the Bupa medical card, you can enjoy the convenience of cashless treatment at all private hospitals (4) and Bupa appointed clinics in Hong Kong. For overseas hospitalisation, you can enjoy this service at the Bupa network hospitals around the world by calling Bupa to make the necessary arrangements. You won t have to worry about bills or claims as we will settle your expenses directly with the hospital or doctor (5). If you pay for your expenses without using this service, you can easily submit your claim online. More affordable healthcare with deductible options This scheme offers four deductible options for the Hospital and Surgical Benefit, giving you flexibility to decide the amount you will contribute each year towards your medical expenses before receiving reimbursement from Bupa. A deductible lowers your subscription significantly. If you are enrolling with your family, each member is free to choose a different deductible option. The deductible does not apply to any optional benefits such as Clinical Benefit. That means you will receive reimbursement once you incur eligible medical expenses under such optional benefits. 3 4

4 Guaranteed lifetime renewal Bupa guarantees that your cover can be renewed for life. Your subscription will be based on your age only no matter how much you claim on conditions arising after your membership starts (6). Discounts when enrolling with your family You will enjoy family subscription discounts on the Hospital and Surgical Benefit when enrolling with your family members: 2 members: 10% discount 3 or more members: 15% discount 5 6

5 I still remember the day when I discovered a lump in my breast. I had a feeling that something was wrong and immediately called Bupa to get advice. They recommended several specialists and helped me to make an appointment with the doctor as soon as possible. When the doctor confirmed that I had breast cancer, I was devastated. He presented me with a few treatment options but I was too distraught to pay any attention. Thankfully, I could turn to my Bupa s Care Manger for help. She patiently explained my options and benefits again to me while addressing my questions and concerns. I was confident that I had all the information I needed to make the best decision for my health and that was right for me. Bupa s Care Manager was also there to oversee every detail when I went for my mastectomy (surgical removal of the breast), from handling the paperwork for hospital admission, discharge and claims to arranging for a taxi to send me home after I was discharged. She really took care of me in every aspect, such as sending me cancer and health information, sharing dietary advice and referring me to support groups. That s not all when I started on my chemotherapy, she would call me regularly to find out how I was doing. Thanks not only to the doctors and nurses that delivered my treatment, but also to Bupa for being there with me every step of the way. 7 8

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7 (12) 專屬健康大使服務由醫生合資格護士和健康管理團隊組成, 為你提供個人健康管理支援服務, 包括 : 24 小時健康專線 : 提供每天 24 小時支援服務, 為你解答健康問題並提供指引, 根據病徵或病況建議合適的做法醫生轉介及預約診症 : 根據你的病況, 建議合適的醫生選擇, 更可為你預約選定的醫生診症健康顧問 : 若入住本港私家醫院, 保柏的健康顧問會全程協助, 讓你了解你的治療詳情和醫療開支預算, 替你處理有關入院出院後跟進治療及索償等事宜第二醫療意見 : 如在診斷和治療上遇到各種疑慮, 由國際醫療專業人士組成之團隊可為你提供專業的意見慢性疾病管理計劃 : 提供控制慢性疾病如糖尿病高血壓的建議, 包括生活習慣建議及跟進病情等服務非緊急環球健康支援 : 無論你身在海外時遇上健康問題需要支援, 或計劃於海外接受治療, 均可為你尋找合適醫生預約及協助安排翻譯服務中國內地居民服務 : 提供每天 24 小時免費國語熱線, 為你預約在香港接受的醫療服務及安排往返交通 The HealthPro Concierge Service gives you access to personal healthcare support delivered by a team of doctors, qualified nurses and healthcare professionals including: 24-hour Healthline: 24/7 guidance on health-related queries, suggesting suitable course of action based on your symptom and condition Doctor Referral and Appointment Making: recommend doctors for your specific condition as well as set up appointments with your selected doctors Care Manager: a personal Care Manager will follow you throughout your hospital stay in a local private Hospital to help you understand your treatment plan and obtain cost estimates, as well as facilitate admission, follow-up treatments after discharge and claims Second Medical Opinion: clarify any doubts about your diagnosis and proposed treatment by obtaining medical advice from a global panel of medical specialists Chronic Conditions Programme: lifestyle coaching and follow up services to help you manage chronic conditions such as diabetes and hypertension Non-emergency Global Healthcare Support: locate suitable doctors, arrange medical appointments and support language translation either when you are in need overseas, or plan to travel for treatment Mainland China Residents Service: 24/7 toll-free hotline in Mandarin offering help with booking medical appointments for healthcare services in Hong Kong and arrange travel logistics (12) 11 12

8 The followings are the general exclusions to help you understand your coverage before enrolment: Pre-existing conditions (unless such conditions have been disclosed in the application and accepted by Bupa to be covered under the contract and, if applicable, with an upward adjustment to the amount of subscription which shall be notified in writing). For the avoidance of doubt, the General Exclusions under the Free Bupa Worldwide Assistance Program Clause of the contract applies notwithstanding any pre-existing conditions covered under the contract. 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 (unless benefit is available). Congenital conditions, developmental conditions or hereditary conditions. Treatment that commenced during the first five years of the member s coverage commencement date of the 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; 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 and premature ejaculation, regardless of cause. Misuse or overdose of drugs or being under the influence of alcohol, selfinflicted 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 (unless benefit is available). 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 (unless benefit is available) 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. Any consequence or loss which is a direct result of nuclear reactions or radioactive fallout. Any of the following traditional Chinese medicines: cordyceps, ganoderma, antler, cubilose, donkey-hide gelatin, hippocampus, Ginseng, red ginseng, American Ginseng, Radix Ginseng Silvestris, antelopehorn powder, placenta hominis, Agaricus blazei murill, musk and pearl powder. INSBUPA3T3BC08/15(BP)R2A 13 14

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