Enhanced protection and discounts when enrolling as a family When you enrol with your family, this scheme provides an additional family benefit(2) of up to HK$2 million, potentially boosting each member’s cover to as high as HK$6 million every year(4). This benefit can be shared among family members in the contract depending on who needs extra cover. With the family subscription discounts, you will also enjoy better value when enrolling with more family members.

11 12

11 12

13

13

14

14

14

13

13

15

15

14

9

2016 2016

640

4,400

8,500

84,00048,40020,500

8,700

6,600

reimburse 50% of all eligible medical expenses)50%

13

13

13

13

13

13

16

16

13

13

10

Maximum number of visits for both Network Benefit and Non-network Benefit in aggregate per Contract Year for items 1-7 is 50 in total,with a sub-limit of 20 visits per Contract Year for items 6-7. Subject to a maximum of one visit per item per day.

2050

2016 2016

320

640

470

470

240

240

3,160

3,120

17

17

11

17

17

2016 2016

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: recommend doctors for your specific condition ° Care Manager: a personal Care Manager will follow you throughout your hospital stay in local private Hospital to help you with hospital

admission 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

(18)

(18)

12

13

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 Programme 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.

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 (unless benefit is available); 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, self-inflicted 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.

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.

INS

BU

PA2T

3BC

05/1

7(B

P)R

4A