international health and hospital plan
TRANSCRIPT
Product Summary From 1 January 2017 ihi.com
INTERNATIONAL HEALTH AND HOSPITAL PLAN
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With a health plan from Bupa Asia and Bupa Global, you benefit from the combined strength, knowledge and expertise of both businesses.
Our plans are based on Bupa Asia’s in-depth understanding of the Hong Kong market, alongside Bupa Global’s health care experience and expertise.
We’re giving globally minded customers access to appropriate medical care and exceptional coverage – whether at home or away.
Our plans include a range of benefits that go beyond insuring you in case of emergency, a renowned level of service available in many languages, and access to thousands of medical facilities and experts worldwide.
We support over 2 million customers worldwide through access to over 1.2 million medical providers, across 190 countries, yet our purpose is very simple; longer, healthier, happier lives.
INTERNATIONAL MEDICAL INSURANCE FOR THE GLOBALLY MINDED
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PRODUCT OVERVIEW
Whether you are at home or abroad with your International Health and Hospital Plan you can feel confident that you and your family have the high quality health insurance and expert support whenever you need it.
Your insurance plan consists of a core inpatient cover and four optional modules to choose from. These modules cover outpatient treatment, medicine, medical evacuation and dental and optical benefits respectively. You have also the possibility to choose a deductible in order to truly tailor your insurance cover to suit your individual needs.
As an International Health and Hospital Plan customer you are free to receive treatment anywhere in the world and you can choose any recognised hospital, clinic, doctor or specialist you prefer. Our team of medical consultants can assist you in finding an appropriate medical provider for you.
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TAILORING YOUR PLAN
Hospital Plan
Your core plan for treatment received whilst staying in hospital
The Hospital Plan gives you the reassurance of covering essential hospital treatment you may need, whether for planned treatment or in an emergency.
You may choose this cover together with a deductible on its own, or in combination with any of our four optional modules.
Choose your deductible
The deductible is the contribution you make towards the cost of your treatment each policy year before receiving reimbursement
EUR GBP USD
Nil Nil Nil
350 250 400
1,050 750 1,600
4,000 2,750 5,000
8,000 5,500 10,000
16,000 11,000 20,000
You can choose to take out your plan with or without a deductible, in any of the three currencies.
Taking out a deductible lowers your premium.
The deductible does not apply to Medical Evacuation and Repatriation and/or Dental and Optical modules.
Note: in the List of Reimbursements you can see in detail which benefits are covered under the different modules and the reimbursement limits.
You can choose any of our four optional modules
Module 1 Non-Hospitalisation Benefits
Medical treatments that do not require a hospital stay: consultations with a doctor, specialist or therapist and annual health check-ups.
Module 2 Medicine and Appliances
Prescribed medicines, hearing aids and rent of appliances such as rental of a wheelchair.
Module 3 Medical Evacuation and Repatriation
Medical Evacuation when there is no possibility of receiving appropriate quality of treatment locally, eg by aeroplane or helicopter, and cover for an accompanying friend or family member.
Module 4A and 4B Dental and Optical
You have a choice between two levels of cover. Routine and special dental treatment, glasses and contact lenses and eye check performed by an optician/optometrist.
Health insurance requirements differ from country to country and everyone has individual needs. This is why International Health and Hospital Plan allows you the flexibility of tailoring your own insurance plan.
Your tailored
INTERNATIONAL HEALTH AND HOSPITAL PLAN
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YOUR BUPA GLOBAL ONLINE SERVICES
As a Bupa Asia customer you have access to a range of Bupa Global’s online services.
Online services On ihi.com you have access to a range of services and a comprehensive library of information and expert advice such as:
| online live chat with our customer consultants
| call me back service — write your question and we will call you
| use Facility Finder to guide you to hospitals in your area or in a specific country
| submit claims | find Questions and Answers
Manage your policy on myPageGo to ihi.com and register for myPage and access your personal policy information:
| view your policy conditions and forms | view all of your documents such as policy
schedules, renewal letters, premium notices, receipts and reimbursement letters
| get a complete overview of your policy | view reimbursement statements for your
settled claims | pay your premium
Become a paperless customerIf you choose to become a paperless customer you will receive all documents and correspondence from Bupa Global via your personal myPage. We will notify you by email when you have updates on myPage so you are always fully informed. Go to the myPage section on ihi.com to sign up. Please be aware that you will not receive any hardcopies to your postal or collection address and that it will be your responsibility to check all documents and correspondence online and to inform us of any changes to your email address.
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Hospital PlanReimbursements under the Hospital Plan are effected according to the List of Reimbursements below. If you have chosen a deductible, please note that the reimbursement rates for the benefits listed in the List of Reimbursements will be reduced by any remaining deductible. Once your deductible has been reached, all covered expenses will be paid in line with your reimbursement rates. For the Hospital Plan and any additional modules the reimbursements will not in any event exceed the following amounts or the overall annual maximum cover per person per policy year of EUR 1,650,000/GBP 1,350,000/USD 2,000,000.
Hospital Services — during Hospitalisation 100%
Semi-private/private room* 100%
Intensive care room 100%
Room and board for a parent accompanying an insured child* 100%
Surgery 100%
Medical treatment, laboratory tests, X-rays 100%
Medicine for use during hospitalisation and relevant only for the insured condition being treated
100%
Pacemaker 100%
Psychiatric treatment 100%
Pre-examinations that are medically necessary in order to perform the surgery or treatment which is to take place during hospitalisation are covered up to 30 days prior to hospitalisation.
Check-ups that are medically necessary in order to verify that the insured is recovering successfully from the surgery or treatment received while hospitalised are covered up to 90 days after hospitalisation.
Physiotherapy following surgery must be evaluated and pre-approved by the Company.
Outpatient Treatment in a Hospital or Clinic
Surgery 100%
Cancer treatment 100%
Once cancer has been diagnosed this benefit includes fees that are related specifically to planning and carrying out active treatment for cancer. This includes tests, diagnostic imaging, consultations and prescribed medicines (when receiving anti-hormonal drug as sole treatment for cancer, only the anti- hormonal drug expenses are covered)
Dialysis, intravenous drug infusion which is only available as an infusion (must be pre-approved by the Company)
100%
Dialysis 100%
Endoscopic examinations 100%
Other outpatient treatment is reimbursed under Module 1 - Non-Hospitalisation Benefits
Childbirth (subject to a 12 month waiting period) Hospital Plan Hospital Plan incl. Module 1
Non-Hospita lisation Benefits
EUR GBP USD EUR GBP USD
Delivery and non-medically prescribed caesarean delivery incl. pre- and postnatal treatment for mother and child. Max. per delivery**
100%
5,725
100%
3,925
100%
7,150
100%
9,675
100%
6,650
100%
12,100
Medically prescribed caesarean, incl. pre- and postnatal treatment for mother and child. Max. per delivery**
100%
10,625
100%
7,325
100%
13,200
100%
12,650
100%
8,575
100%
15,400
Delivery and caesarean following fertility treatment. Excluding pre- and postnatal treatment for mother and child (cf also art. 12.2 h in Policy Condition). Max.
100%
5,725
100%
3,925
100%
7,150
100%
7,150
100%
4,850
100%
8,800
*cf also Glossary in Policy Condition: “Hospital accommodation” **cf also art. 7.1.3 in Policy Condition
Valid from 1 January 2017 All amounts are in EUR/GBP/USDLIST OF
REIMBURSEMENTS 2017Valid from 1 January 2017 All amounts are in EUR/GBP/USD
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Childbirth / Home Delivery or delivery at birthing centre (subject to a 12 months waiting period)
EUR GBP USD
Doctor/specialist, midwife 145 100 165
Home nursing in connection with home delivery or delivery at birthing centre 435 300 490
Pre- and postnatal examinations are reimbursed under Module 1 Non-Hospitalisation Benefits
Organ Transplant
Organ transplant 100% 100% 100%
Per diagnosis and course of treatment per lifetime, to include all related costs up to the financial maximum The insurance policy must be valid throughout the course of treatment.
Only human organs
The procurement of the organ must be pre-approved
450,000 315,000 500,000
Emergency Room Treatment
Emergency room treatment in connection with an acute illness or accident 100% 100% 100%
Local medical transport
Ground transport to and from hospital when it is medically necessary that special medical services and/or medical equipment are provided
100% 100% 100%
Per policy year, max. 1,500 1,000 1,600
Inpatient Rehabilitation
Medically prescribed inpatient rehabilitation at an authorised medical facility following hospitalisation for treatment covered by this insurance (must be pre-approved by the Company)
100% 100% 100%
Max. per day for max. three months per illness 330 220 355
Home Nursing
For expenses incurred for medically prescribed assistance in your private home by a certified nurse (must be pre-approved)
100% 100% 100%
Max. per day for max. 40 days per policy year 130 84 135
Hospital Cash Benefit
If room, board and treatment are received free of charge or at a minor admission/service fee at a public hospital, per night max.
90 60 100
Max. 60 nights per policy year (must be pre-approved)
Emergency Dental Treatment
Acute emergency dental treatment due to serious accident requiring hospitalisation
100% 100% 100%
In case of doubt, the decision will be left with Bupa Global’s dental consultant
Module 1 Non-Hospitalisation BenefitsReimbursements under this module are according to the List of Reimbursements below. If you have chosen a deductible, please note that the reimbursement rates for the benefits listed in the List of Reimbursements will be reduced by any remaining deductible. Once your deductible has been reached, all covered expenses will be paid in line with your reimbursement rates.
Reimbursements will not in any event exceed the following amounts or the annual maximum limit of EUR 35,000/GBP 25,000/USD 35,000.
General Practitioners and Specialists
EUR GBP USD
GP consultations, per consultation 125 100 135
Chinese doctor consultation (if charged separately), per consultation
Max. EUR 300/GBP 220/USD 300 per policy year30 22 30
Eye and ear specialists/other specialists, per consultation 150 120 160
Psychiatrists, per consultation 125 80 130
Expenses are reimbursed for a max. of 15 consultations within a 30-day period
Therapists
Dietetic guidance, speech therapy per consultation Max. four consultations per policy year
50 40 50
Physiotherapy, ergotherapy per consultation 85 65 85
Max. per policy year 1,050 700 1,200
Chiropractor/osteopath all inclusive, per consultation 65 50 65
Max. per policy year 1,050 700 1,200
Medical Check-Up all inclusive, per year 540 480 600
Examinations and other Medical Assistance
Laboratory test, analysis Max. per test
450 305 500
X-ray 450 305 500
ECG 450 305 500
Scan, per examination 1,020 780 1,200
Injection and vaccination, per injection/vaccination 85 65 100
Acupuncture and homeopathic treatment, performed by a physician
Acupuncture and homeopathic treatment shall only be covered when performed by a physician/doctor authorised in the country of practise
55 35 60
Minor procedures or interventions (eg removal of a wart) performed at the clinics of the General Practitioners or Specialists in connection with visits to such medical practitioners
100% 100% 100%
Valid from 1 January 2017 All amounts are in EUR/GBP/USD
Valid from 1 January 2017 All amounts are in EUR/GBP/USD
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Module 2 Medicine and AppliancesReimbursements under this module are according to the list below. If you have chosen a deductible, please note that the reimbursement rates for the benefits listed in the List of Reimbursements will be reduced by any remaining deductible. Once your deductible has been reached, all covered expenses will be paid in line with your reimbursement rates.
Hearing Aids 50% 50% 50%
EUR GBP USD
Prescribed hearing aids, per appliance, max. 300 200 325
Max. two appliances are reimbursed per policy year up to max. 600 400 650
Other Appliances
Slings and bandages 100% 100% 100%
Arch support 100% 100% 100%
Rental of medical appliances 100% 100% 100%
Medicine
Prescribed medicine and traditional Chinese medicine
Traditional Chinese medicine* administered by a traditional Chinese practitioner per policy year, up to an annual max. of EUR 375/GBP 260/USD 450
*cf. also art. 12.2 w in Policy Condition
Limited to recognised traditional Chinese practitioners registered to practice locally
100% 100% 100%
There is no reimbursement for homeopathic or naturopathic medicines.
Medicine and other appliances are reimbursed up to an annual max. 2,700 1,800 3,000
Module 3 Medical Evacuation and RepatriationMedical Evacuation and Repatriation covers transportation to the nearest appropriate place of treatment if you have a serious illness or injury.
Medical Evacuation and Repatriation
Transportation expenses by aeroplane or helicopter 100%
Accompanying person 100%
Return journey to residential address abroad/home country within three months after completion of treatment
100%
Statutory arrangements in case of death, such as embalming and zinc coffin Transportation of the urn/coffin
100%
Expenses are covered up to the overall annual insurance sum of your policy
In all circumstances, we must be notified before the transport takes place, either directly or through the attending physician
Medical Evacuation and Repatriation must be pre-approved
Modules 4A and 4BDental and OpticalReimbursements under these two modules are effected at 50-80%, but they will not in any event exceed the following amounts or the respective annual maximums of Module 4A: EUR 5,000/GBP 3,500/USD 5,000 and Module 4B: EUR 7,500/GBP 5,000/USD 7,500.
Eye check performed by optician/optometrist max. two visits per policy year Module 4A max. per visit EUR 40/GBP 25/ USD 40 and Module 4B max. per visit / EUR 50/GBP 35/ USD 50
Module 4A Module 4B
Dental treatment 80% 80% 80% 80% 80% 80%
EUR GBP USD EUR GBP USD
Examinations, max. 20 15 20 40 30 40
Tooth cleaning, max. 40 25 40 60 35 60
Fillings per tooth, max. 60 40 60 110 65 110
Root treatment per tooth, max. 70 45 70 140 96 140
Tooth extractions per tooth, max. 40 20 40 100 60 100
Surgery, max. 73 50 81 174 120 195
X-ray, max. 40 20 40 50 35 50
Anaesthesia, max. 15 10 15 20 15 20
Special Dental Treatment 50% 50% 50% 50% 50% 50%
Bridgework Crowns Dental implants Periodontitis Orthodontics (tooth adjustment) (subject to a 24 month waiting period) Dentures
Special dental treatment per policy year, max. 2,000 1,500 2,000 3,000 2,250 3,000
Module 4A Module 4B
Glasses and Contact Lenses 80% 80% 80% 80% 80% 80%
One pair of glasses (excl. frames) per policy year, max.
160 100 160 220 150 220
Contact lenses, per policy year, max. 100 60 100 130 80 130
Frames and sunglasses are not covered
Eye check
Eye check performed by optician/optometrist max. two visits per policy year
max. per visit max. per visit
40 25 40 50 35 50
This is only a summary. Please refer to the Policy Conditions for full detail of cover.
Valid from 1 January 2017 All amounts are in EUR/GBP/USD
Valid from 1 January 2017 All amounts are in EUR/GBP/USD
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WHY US?
The Bupa Global differenceOver 40 years of medical expertise and dedication to health. A global team of advisers and health experts who, between them, speak multiple languages – and a service that exceeds expectations. These are just a few of the things that make us different.
Global networkAllowing access to a network of over 1.2 million medical providers around the world, we give you the flexibility to choose where and how you receive treatment.
Financial reassuranceHealth insurance isn’t just about your health. It’s also about not worrying about unexpected costs. With us by your side you can simply focus on enjoying life.
Bupa Global AssistanceBupa Global Assistance provides you with medical emergency support around the clock. They also assist you in finding a medical provider for planned hospital stays and help you in organising direct payment settlement between Bupa Global and the hospital.
Multilingual advisersWhen it comes to healthcare, we know you want support from people who understand you and your needs. That’s why we have a multilingual team who are able to speak in many languages and can support you, wherever you are.
Pre-existing conditionsWe don’t believe past health issues should stop you from enjoying your future. That’s why, when you join our global health plans, many pre-existing conditions can be covered.
Confidence in your diagnosisThe solution to health problems isn’t always black and white. That’s why we offer you the opportunity to get another opinion from a world-class specialist. A second medical opinion service is available to all customers looking for confidence and peace of mind in their medical diagnosis.
Lifetime renewabilityRegardless of your age and changes in your health your insurance policy will be renewed (subject to changes in residency and/or nationality according to the Policy Conditions).
Children covered at no extra costTwo children under the age of 10 years per paying adult (maximum of four children per policy) are covered at no extra cost (subject to underwriting).
Babies are covered from birth After the parent’s policy has been in force for 12 months newborn babies are covered from birth, irrespective of their state of health (excluding adopted children, children being born as a result of fertility treatment and/or born by a surrogate mother).
High risk sport activities coveredMany leisure and sports activities are covered. For any details please refer to the Policy Conditions.
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If you want quality health insurance, contact us today to find out more about International Health and Hospital Plan or any of our services that may be of interest to you. After all, our purpose is all about longer, healthier, happier lives, so there is no better place to start.
TALK TO US
HK-IHHP-SALE-1601v1.2_ENG
Bupa (Asia) Limited18/F Berkshire House25 Westlands Road, Quarry BayHong Kong
Call our Customer Service for questions on your policy, payment, coverage etc.
Open 7am - 7pm (HKT) Mon-Fri7am to 4pm (HKT) Weekend and public holidayTel: +852 2531 8505Email: [email protected]
Call Bupa Global Assistancefor 24-hour emergency service and medical help
Tel: +45 70 23 24 60Fax: +45 33 32 25 60Email: [email protected]
Calls will be recorded and may be monitored.
Bupa Global is a trading name of Bupa Denmark Services A/S. CVR No. 32451780
Bupa (Asia) Ltd. is authorised and regulated by the Hong Kong Insurance Authority
ihi.com
計劃摘要 由 2017 年 1 月起生效 ihi.com
國際醫療及 住院計劃
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透過保柏亞洲和保柏環球的醫療計劃，盡享我們的豐富知識與醫療專長。
我們的計劃建基於保柏亞洲對香港市場的深入了解，及保柏環球對醫療保健擁有的豐富經驗和專業知識。
不論身處國內或是國外，我們都為擁有國際視野的客戶提供合適的醫療保健服務及尊尚保障。
我們不僅在緊急情況下提供保障，全面的醫療計劃還包括一系列備受讚譽及支援多種語言的優質服務，提供獲得世界各地數以萬計的醫療設施服務和專家意見。
我們支援全球超過200 萬名客戶，為他們提供遍佈全球 190 個國家、逾 120 萬間醫療機構的服務網絡，而我們的目標就是助人們活出更長壽、更健康和更愉快的人生。
國際醫療保險，專為擁有國際視野的您而設
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計劃概覽
無論您於現居地抑或身處海外，選擇保柏國際醫療及住院計劃，您和您的家人便可在有需要時，獲得優質的全球醫療保險和專家支援服務。
您的保險計劃包括基本的住院保障，及四項自選额外保障。這些自選保障涵蓋門診治療、藥物、醫療運送和牙科及眼科醫療保障。您更可選擇適合您的墊底費，制定真正適合自己的保障，滿足個人需要。
國際醫療及住院計劃的客戶可自由選擇在世界任何地方接受治療，更可隨心選擇任何經認可的醫院、診所、醫生或專科醫生。我們的醫療顧問團隊可協助您尋找適合的醫療服務機構。
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度身訂造您的計劃
住院計劃
住院期間接受治療的基本計劃
無論是預先計劃的治療或者急診，住院計劃均可保障您所需的入院治療。
此保障可加上自選墊底費，也可配搭其他四種自選保障項目。
選擇您的墊底費
墊底費是指在您收到賠償前，您在每個保單
年度須自行承擔的年度醫療費用金額。
歐元 英鎊 美元無 無 無
350 250 400
1,050 750 1,600
4,000 2,750 5,000
8,000 5,500 10,000
16,000 11,000 20,000
投保時您可以選擇加上墊底費，以上面三種貨幣其中一種結算。
選擇墊底費可降低您的保費。
醫療運送及運返保障及 / 或牙科和眼科保障計劃並不附有墊底費。
註：在保障範圍表內，你可以詳細了解
不同的計劃保障及其賠償限額。
您可以配搭我們的四個 自選保障項目
自選保障 1
非住院保障
非住院的醫療服務：醫生、專科醫生或治療師的諮詢及年度健康檢查。
自選保障 2
醫藥和設備保障
處方藥物、助聽器及設備租用，如租用輪椅。
自選保障 3
醫療運送及運返保障
當您無法在所在地獲得適當治療，我們可提供醫療運送服務，如用飛機或直升機接送，並同時為您一位隨行的朋友或家人提供接送保障。
自選保障 4A 和 4B
牙科和眼科保障
您可以在兩個保障級別之間作出選擇。包括常規和特殊牙科治療，一般眼鏡和隱形眼鏡、以及由驗光師 / 視光師進行的眼科檢查。
醫療保險要求因各國情況而異，而每個人都有不同的需求。
因此國際醫療及住院計劃讓您靈活制定適合自己的保險計劃。
為您度身訂造的
國際醫療及住院計劃
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您的保柏環球網上服務
作為我們的客戶，您可以享受一系列保柏環球的網上服務。
網上服務
在 ihi.com 上，您可以獲得一系列服務，以及全面的資料庫和專家意見，如：
| 網上即時諮詢我們的客戶顧問 | 電話回覆服務 — 寫下您的問題，我們會與您聯絡
| 使用醫療機構搜尋工具 (Facilities Finder)，助您尋找所在地區或某一特定國家的醫院
| 提交索償申請 | 尋找「常見問題」
在 myPage 上管理您的保單
登入 ihi.com，於 myPage 註冊並取得您的個人保單資訊：
| 查看保單條款和表格 | 查看您的所有文件，如保險單、續保信函、保費通知書、收據和賠償信函
| 獲得有關保單的完整概覽 | 查看已賠償的索償記錄 | 支付保費
參與無紙張環保行動
如果您選擇參與無紙張環保行動，您將透過個人
myPage，接收保柏環球發送給您的所有文件和通訊。如果您的 myPage 上有任何更新消息，我們將以電郵通知您，您便可得悉所有詳情。請前往 ihi.com，進入 myPage 註冊。我們將不會向您的郵遞或收件地址發送任何紙質副本，您有責任於網上查看所有文件和通訊。若電郵地址有任何變更，請您盡快聯絡我們。
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住院計劃
住院計劃下的賠償金額將按照以下保障範圍表處理。如果您選擇了墊底費，保障範圍表中所列各項保障的賠償金額將先減去任何剩餘墊底費。墊底費被完全減去後，所有在保障範圍內的費用都將按照賠償金額支付。任何情況下，住院計劃和任何附加計劃的保障金額，均不得超過以下金額或每個保單年度的年度最高保障總額：1,650,000 歐元 / 1,350,000 英鎊 /
2,000,000 美元。
住院服務 — 住院期間 100%
半私家 / 私家病房* 100%
深切治療部 100%
陪同受保子女的父母之食宿* 100%
手術 100%
治療、化驗、X 光 100%
住院期間及受保情況相關治療期間使用的藥物 100%
心臟起搏器 100%
精神科治療 100%
住院期間做手術或接受治療前有醫療必要的預先檢查，在住院前 30 天内享有保障。為確保受保人住院期間從手術或治療中順利康復，有醫療必要的體檢在住院後 90 天内享有保障。
手術後的物理治療須經過我們的評估和預先核准。
在醫院或診所接受的門診治療
手術 100%
癌症治療 100%
自診斷出癌症時起，此保障包括與規劃及執行癌症積極治療有關的費用。這包括檢驗、診斷掃描、診症和處方藥 （使用抗激素藥物作為癌症的唯一治療手段時，保障範圍僅涵蓋抗激素藥物費用）。
腎臟透析、僅可作為輸液用途的靜脈藥物注射（須經過本公司的預先核准） 100%
內窺鏡檢查 100%
其他門診治療可通過自選保障 1 – 非住院保障進行賠償
分娩（等候期為 12 個月） 住院計劃住院計劃包含自選保障 1 非住院保障
歐元 英鎊 美元 歐元 英鎊 美元
分娩和非醫療必需的剖腹生產，包括對產婦和嬰兒的產前及產後治療。每次分娩最高限額**
100%
5,725
100%
3,925
100%
7,150
100%
9,675
100%
6,650
100%
12,100
處方剖腹生產，包括對產婦和嬰兒的產前及產後治療。每次分娩最高限額**
100%
10,625
100%
7,325
100%
13,200
100%
12,650
100%
8,575
100%
15,400
生育治療後的分娩和剖腹生產。不包括對產婦和嬰兒的產前及產後治療（參見保單條款第 12.2 h 條）最高限額
100%
5,725
100%
3,925
100%
7,150
100%
7,150
100%
4,850
100%
8,800
*參見保單條款之術語表：「住院費」 **參見保單條款第 7.1.3 條
自 2017 年 1 月 1 日起生效
所有金額均以歐元 / 英鎊 / 美元計算2017 年保障範圍表自 2017 年 1 月 1 日起生效
所有金額均以歐元 / 英鎊 / 美元計算
1312
分娩 / 在家分娩或在生育中心分娩（等候期為 12 個月）
歐元 英鎊 美元
醫生 / 專科醫生、助產士 145 100 165
與在家分娩或在生育中心分娩有關的居家護理 435 300 490
產前及產後檢查會在自選保障 1 內的非住院保障中進行賠償
器官移植
器官移植 100% 100% 100%
根據該次診斷及療程，包括所有相關費用之終生上限 保險在整個治療過程中必須為有效。
僅限人體器官
器官移植須經過預先核准
450,000 315,000 500,000
急症室治療
有關急性疾病或意外的急症室治療 100% 100% 100%
本地醫療運送
當出於醫療必要須提供特殊醫療服務及 / 或醫療設備時，往返醫院的地面運送服務 100% 100% 100%
每個保單年度，最高限額 1,500 1,000 1,600
住院復康
接受本保險保障的住院治療後，在獲授權的醫療機構接受具醫療必要性的住院復康治療（須經過本公司的預先核准） 100% 100% 100%
每種疾病在最多三個月內的每日最高限額 330 220 355
居家護理
合資格護士在您家中提供居家醫療的相關費用（須經過預先核准） 100% 100% 100%
每個保單年度最多 40 天的每日最高限額 130 84 135
住院現金保障
如果食宿和治療均免費提供，或者僅按公立醫院的最低門診費 / 服務費收取，每晚最高限額 90 60 100
每個保單年度最多 60 晚（須經過預先核准）
急診牙科治療
因發生重大事故，需住院接受急診牙科治療 100% 100% 100%
如有疑問，將由保柏環球的牙科顧問決定
自選保障 1 非住院保障
此計劃下的賠償金額將按照以下保障範圍表處理。如果您選擇了墊底費，保障範圍表中所列各項保障的賠償金額將先減去任何剩餘墊底費。墊底費被完全減去後，所有在保障範圍內的費用都將按照賠償金額支付。
在任何情況下，金額都不得超過以下金額或年度最高限額：35,000 歐元 / 25,000 英鎊 / 35,000 美元。
普通醫生和專科醫生
歐元 英鎊 美元
普通科醫生（以每次診症計） 125 100 135
中醫（若獨立收費，以每次診症計）
每個保單年度最高限額：300 歐元 / 220 英鎊 / 300 美元30 22 30
眼科和耳科專科醫生 / 其他專科醫生（以每次診症計） 150 120 160
精神科醫生（以每次診症計） 125 80 130
30 日內最多進行 15 次診療，相關費用均予以賠償
治療師
飲食指導、言語治療（以每次診症計） 每個保單年度最多四次診症 50 40 50
物理治療、運動療法（以每次診症計） 85 65 85
每個保單年度最高限額 1,050 700 1,200
脊科治療 / 整骨治療（以每次診症計） 65 50 65
每個保單年度最高限額 1,050 700 1,200
健康檢查（以每個保單年度計） 540 480 600
檢查和其他醫療支援
化驗測試、分析 (每次化驗最高限額) 450 305 500
X 光 450 305 500
ECG 450 305 500
掃描（以每次檢查計） 1,020 780 1,200
注射和疫苗接種（以每次注射 / 疫苗接種計） 85 65 100
由專科醫生提供的針灸和順勢治療
以由當地已註冊的合資格醫師 / 醫生提供的針灸和順勢治療為限55 35 60
向普通科醫生或專科醫生求診並在其診所內進行的小型手術或治療 （如除肉瘤手術）
100% 100% 100%
自 2017 年 1 月 1 日起生效
所有金額均以歐元 / 英鎊 / 美元計算
自 2017 年 1 月 1 日起生效
所有金額均以歐元 / 英鎊 / 美元計算
1514
自選保障 2醫藥和設備保障
此計劃下的賠償事宜將按照下表處理。如果您選擇了墊底費，保障範圍表中所列各項保障的賠償金額將先減去任何剩餘墊底費。墊底費被完全減去後，所有在保障範圍內的費用都將按照賠償金額支付。
助聽器 50% 50% 50%
歐元 英鎊 美元
處方助聽器，每部設備，最高限額 300 200 325
每個保單年度最多兩部設備為限，最高限額 600 400 650
其他設備
懸帶及繃帶 100% 100% 100%
足弓支撐器 100% 100% 100%
租用醫療設備 100% 100% 100%
藥物
處方藥和中藥
每個保單年度由中醫處方的中藥*，每年最高限額為 375 歐元 / 260 英鎊 / 450 美元
*參見保單條款第 12.2 w 條
僅限於在當地完成執業註冊的認可中醫
100% 100% 100%
順勢療法或自然療法的藥物不予賠償
藥物和其他設備均予以賠償，可達每年最高限額 2,700 1,800 3,000
自選保障 3 醫療運送及運返保障
如果您患有嚴重疾病或受到重傷，醫療運送保障計劃對將您送往最近的合適治療地點的交通費用提供保障。
醫療運送及運返保障
飛機或直升機的運送費用 100%
隨行人士 100%
完成治療後三個月內返回原居地或海外的居住地址 100%
身故後的法定安排，如屍體防腐和鋅製棺材 骨灰龕 / 棺材運送 100%
保障限額高達保單年度保險總額
無論任何情况下，運送前請務必直接或通過主診醫生通知我們
醫療運送及運返須經過預先核准
自選保障 4A 和 4B牙科和眼科保障
這兩個計劃下的保障範圍為 50-80%，但均不得超過以下金額或計劃各自的年度最高限額，計劃 4A 為：5,000 歐元 / 3,500 英鎊 / 5,000 美元，及計劃 4B 為：7,500 歐元 / 5,000 英鎊 / 7,500 美元。
由驗光師 / 視光師進行眼科檢查，每個保單年度最多進行兩次檢查，自選保障 4A 每次檢查最高限額： 40 歐元 / 25 英鎊 / 40 美元，及自選保障 4B 每次檢查最高限額：50 歐元 / 35 英鎊 / 50 美元。
自選保障 4A 自選保障 4B
牙科治療 80% 80% 80% 80% 80% 80%
歐元 英鎊 美元 歐元 英鎊 美元
檢查（最高限額） 20 15 20 40 30 40
洗牙（最高限額） 40 25 40 60 35 60
補牙（每顆牙最高限額） 60 40 60 110 65 110
牙根治療（每顆牙最高限額） 70 45 70 140 96 140
拔牙（每顆牙最高限額） 40 20 40 100 60 100
手術（最高限額） 73 50 81 174 120 195
X 光（最高限額） 40 20 40 50 35 50
麻醉（最高限額） 15 10 15 20 15 20
特殊牙科治療 50% 50% 50% 50% 50% 50%
齒橋 牙冠 植牙 牙周炎 畸齒矯正（牙齒矯正）（等候期為 24 個月） 假牙
每個保單年度進行的特殊牙科治療，最高限額 2,000 1,500 2,000 3,000 2,250 3,000
自選保障 4A 自選保障 4B
一般眼鏡與隱形眼鏡 80% 80% 80% 80% 80% 80%
一副眼鏡（不包括鏡架） 每個保單年度（最高限額） 160 100 160 220 150 220
隱形眼鏡（每個保單年度最高限額） 100 60 100 130 80 130
鏡架和太陽鏡不予保障
眼科檢查
每個保單年度最多兩次由驗光師 / 視光師進行的眼科檢查
每次檢查最高限額 每次檢查最高限額
40 25 40 50 35 50
本內容僅屬摘要。請參閱保單條款，以了解保障範圍的完整詳情。
自 2017 年 1 月 1 日起生效
所有金額均以歐元 / 英鎊 / 美元計算
自 2017 年 1 月 1 日起生效
所有金額均以歐元 / 英鎊 / 美元計算
1716
為什麼選擇保柏？
保柏環球 (Bupa Global) 的獨特之處
我們專注於醫療保健領域超過 40 年，備有通曉多種語言並遍佈各地的顧問及醫療專家團隊，為您提供超凡的服務。保柏環球具有多項優勢，無疑是您更佳的選擇。
全球網絡
提供世界各地超過 120 萬家醫療機構的服務網絡，具有環球思維的尊貴客戶可自由選擇治療地點和方法。
財務保障
醫療保險不僅能夠照顧您的健康，更使您無需擔憂突如其來的額外支出。我們提供全球領先的醫療保險服務，在我們的守護下，您可以專心享受人生。
保柏環球支援熱綫
保柏環球支援熱綫為您提供全天候醫療緊急支援服務。我們還會協助尋找適合您住院療程的醫療機構，並幫助您從保柏環球和醫院之間直接付款。
多種語言顧問
我們了解，在尋求醫療意見時，您希望使用自己熟悉的語言。為了讓您感到安心，我們的顧問團隊透過多種語言提供服務。
已存在病症
我們認為，過去的健康問題不該影響您的未來。因此，當您加入我們的全球醫療計劃時，可將多種已存在病症納入保障範圍。
令您對診斷充滿信心
健康問題的解決方案並非黑白分明。正因為如此，我們可安排您向世界級的專科醫生尋求醫療意見。第二醫療意見服務可提供給所有在醫療診斷中尋求安心信賴的客戶。
終身續保
不論年齡和健康變化，您的保險將會受到續保
（根據保單條款，受限於居住地及 / 或國籍變更）。
子女投保將不額外收費
每位付費成人可免費將兩名 10 歲以下子女
（每份保單最多四名兒童）列為受保人（需通過核保）。
嬰兒自出生起受保
客戶在保單生效 12 個月後，他們的新生嬰兒無論健康狀況如何，都可自出生起獲得保障
（並不包括領養子女、在接受生育治療後出生的嬰兒及 / 或由代母所生的嬰兒）。
涵蓋高風險體育活動
多種休閒和體育活動都在保障範圍內。詳情請參閱保單條款。
18
如果您想獲得優質醫療保險服務，請與我們聯絡，以了解更多關於國際醫療及住院計劃，或任何您感興趣的計劃
和服務。畢竟我們的目標是助人們活出更長壽、更健康和更愉快的人生，因此我們正是您開展幸福人生的不二之選。
聯絡我們
HK-IHHP-SALE-1601v2_CHN
保柏（亞洲）有限公司香港鰂魚涌華蘭路 25 號栢克大廈 18 樓
如果您對保單、付款方式、保障範圍等有任何問題，請致
電保柏環球客戶服務部
營業時間：星期一至五上午7時至下午7時（香港時間）週末及公眾假期上午7時至下午4時（香港時間）電話：+852 2531 8505電郵：[email protected]
請致電保柏環球支援熱綫，以獲取 24 小時緊急及醫療
支援服務。
電話：+45 70 23 24 60傳真：+45 33 32 25 60電郵：[email protected]
保柏環球是保柏丹麥服務公司的交易名稱。 CVR 號碼： 32451780
保柏（亞洲）有限公司(“保柏亞洲”) 乃由香港保險業監理專員授權經營一般保險業務並受其監管。
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