(精选)Top-Up Medical Insurance Plan 附加醫療保險計劃教学课件.pptVIP

The University of Hong Kong香港大學 Top-Up Medical Insurance Plan  附加醫療保險計劃 ;The primary purpose of the Top Up Medical Insurance Plan is to cover eligible medical expenses that exceed HKU’s Staff Medical Benefits Scheme (SMBS). 本附加醫療福利計劃之主要目的是涵蓋大學根據僱員醫療福利計劃（SMBS）所提供的醫療福利與實際住院費的差額之保障。 ;The Plan is a self-paid insurance plan. 自行供款保險計劃 。 Effective on 1st September, 2005 本計劃的保障生效日為二○○五年九月一日 。 Anniversary date is 1st September each year. 週年日為每年九月一日。 ;Eligibility 參加資格 ;Dependant’s Coverage 家屬保障 ;An eligible dependant need not be enrolled immediately if he/she is: 在下列情況下，合資格家屬毋須參加本計劃： Residing overseas; 居住海外 Receiving full-time education overseas; 在海外接受全日制教育 Covered under another group medical protection/insurance scheme provided by the spouse’s employer (this does not include any individually purchased medical insurance plan) 享有配偶僱主提供之團體醫療保障／保險計劃 (並不包括個人購買之醫療保障計劃)。;HKU SMBS大學僱員醫療福利計劃 ANNUAL LIMIT PER MEMBER 每人每年申領上限 HK$400,000;TOP UP COVER 附加保障;Plan 1 計劃一 Appointees who are eligible for 1st class hospitalisation benefit. The annual excess amount is: HK$10,000 每年自付額為港幣一萬元 Eligible for Plan 1 under Benefits Schedule for Confinement in Private Hospitals in Appendix III. 入住私家醫院保障-附件III 計劃一 ;Points To Note The excess will not be pro-rata even though the membership is for a partial year. 即使受保人在年中參加本計劃，每年自付額不會有相應調整。 All medical treatment and hospitalisation must be referred and approved by the Director of UHS before payment under this Plan can be made. 任何醫療及住院費用必須先得到UHS主任轉介及批准，承保公司方會接受索償。 ;Cover extends to: 保障範圍 i) pre-existing medical conditions (已存在的疾病) ii) mental illnesses and psychiatric disorders, subject to a benefit sub-limit of HK$15,000 per Policy Year per insured member (精神或心理病，每一受保人每年的最高限額為港幣一萬五仟元 ). iii)the cost of an accompanying bed when a child member under the age of 12 is hospitalised (陪同十二歲以下小童住院的加床費). ;The overall maximum benefits’ limit is HK$750,000 per Policy Year per insured member. Where the insured member jo