A GUIDE TO YOUR BUPA GLOBAL ELITE HEALTH PLAN
CONTENTS
3Introduction
4When you’re awake, we’re awake
6Need treatment?
8How to claim
11Want to add more people to your health plan? 13Your health plan benefits
14Table of benefits
26Exclusions
29Glossary
水门桥观后感You can ask us to arrange medical evacuations and repatriations as covered under this plan, including:
¡ a
ir ambulance transportation ¡
c ommercial flights, with or without medical escorts
¡s tretcher transportation
¡
t ransportation of mortal remains
¡
t ravel arrangements for relatives and escorts We believe that every person and situation is different and focus on finding answers and solutions that work specifically for you . Our assistance team will handle your ca from start to finish, so you always talk to someone who knows what is happening.
You can call us at any time of the day or night for
healthcare advice, support and assistance by medically trained people who understand your situatio
n. You can ask us for help with*:
¡ g
eneral medical information ¡
fi nding local medical facilities ¡ a r ranging and booking appointments ¡
a rranging medical cond opinions ¡t ravel information ¡s ecurity information
¡information on inoculation and visa requirements ¡
e mergency message transmission
¡interpreter and embassy referral
WHEN YOU’RE
AWAKE, WE’RE AWAKE
* We obtain the above health, travel and curity information from third parties. You should check th
is information as we do not verify it, and so cannot be held responsible for any errors or omissions, or any loss, damage, illness and/or injury that may occur as a result of this information.
NEED
TREATMENT?
Remember we can offer a cond medical opinion rvice
The solution to health problems isn’t always black and white. That’s why we offer you the opportunity to get another opinion from an independent world-class specialist .
Our approach to costs
We only cover costs that are reasonable and customary. This means that the costs charged by the benefits provider should be no more than they would normally charge and be similar to other benefits providers providing comparable health outcomes in the same region.
Government or official medical bodies will sometimes publish guidelines for fees and medical practice
(including established treatment plans, which outline the most appropriate cour of care for a specific condition, operation or procedure). In such cas, or where published insurance industry standards exist, we may refer to the global guidelines when asssing and paying claims. Charges in excess of published
guidelines or reasonable and customary costs may not be paid.
We want to make sure everything runs as smoothly as possible when you need treatment and help take care of the practicalities so you can focus on getting better. If you contact us before going for treatment , we can explain your benefits and confirm that your treatment is covered by your health plan . If needed we can also help with suggesting hospitals , clinics and doctors and offer any help or advice you may need.
In cas where you need hospital treatment , contacting us also gives us an opportunity to contact your hospital or clinic and make sure they have everything they need to go ahead with your treatment . If possible we will arrange to pay them directly too.
We would like to make you aware that there are certain benefits which you must receive pre-authorisation for. The are detailed in your ‘Table of benefits’. Benefit may not be paid unless pre-a
uthorisation has been provided.
The pre-authorisation process
You can pre-authori your treatment by phone or email. Once we have the necessary details, we nd a pre-authorisation statement to your hospital or clinic. We also nd you a pre-authorisation statement. This can be ud as a claim form to nd back to us if you receive any invoices or are asked to pay for any aspect of your treatment yourlf. More detail is provided on the claims process on the next page.
From time to time we may ask you for more detailed medical information, for example, to rule out any relation to a pre-existing condition .
Pre-authorisation complete and now going for treatment ?
Always remember to keep your insurance card on you and prent it to your benefits provider when you arrive.
Whether you choo direct payment or ‘pay and claim’ we provide a quick and easy claims process. Some benefits抗疫美文
need to be pre-authorid by us so make sure to check your ‘Table of benefits’ and the ‘Need treatment’ ction of
this guide.
We may sometimes ask for further medical information to be able to process your claim.
This is a summary, plea refer to your ‘Table of benefits’, ‘Terms and Conditions’ and insurance certificate for full
details on how to claim.
HOW TO CLAIM
1234
DIRECT PAYMENT Bupa pays your benefits
provider directly
We nd your benefits
provider a pre-authorisation
statement.
We will also nd a copy to
you on request.
The benefits provider will ask
you to sign the
pre-authorisation statement
when you arrive for treatment.
对视三分钟If you have a co-insurance on
your plan and if the treatment
is for out-patient day to
day care plea pay your
co-insurance to the provider.
The benefits provider
will then nd your claim to us.
We pay the benefits
provider directly.We nd your claim
payment statement
to the policyholder
When we ttle your claim,
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your benefits are paid in
line with the limits shown
in your ‘Table of benefits’.
If you have chon one of
our co-insurance options
some of your benefits will
include the co-insurance.
When this applies we will
pay you or the benefits
provider the cost of the
樱花电热水器claim minus the percentage
of the co-insurance.
PAY AND CLAIM You have paid your
benefits provider
You can find a claim form
online or we can email or post
it to you.
You can submit your claim
online via our website,
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or by post to this address:
Bupa (Asia) Limited
18/F Berkshire Hou
25 Westlands Road,
Quarry Bay
Hong Kong厉勇
Your medical practitioner
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should complete the medical
information ction of the
claim form.
You should complete all other
ctions, attach the original
invoices and nd the claim to
us.
We pay you.
If you need assistance with a claim call us on
+852 2531 8570
or go online at
The details can also be found on your
insurance card.
