Top-Up Medical Insurance Plan 附加醫療保險計劃课件.ppt

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 All HKU appointees (including fractional appointees) who are eligible for first class or second class hospitalisation care under the SMBS and who are under the age of 65. 凡大學僱員（包括比率式聘任的僱員）享有頭等或二等住院福利而年齡在六十五歲以下，均可以同等條款參加本計劃。 No medical examination is required to join the Plan. 參加本計劃毋需驗身 。 Dependant’s Coverage 家屬保障 When you apply to join the Plan, you must also enrol your eligible dependants. 閣下申請參加本計劃時，必須與合資格家屬一起參加。 Dependants include your spouse and unmarried child(ren) who are wholly or partly maintained by you. 〔合資格家屬〕指閣下之配偶及需閣下供養之未婚子女 。 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)。 TOP UP COVER 附加保障 Treatments at HA Hospitals 入住醫管局轄下的醫院 The Plan covers hospitalisation and treatment of injuries and illnesses, approved by the Director of UHS, in public hospitals under the Hospital Authority (HA) 本計劃保障凡經UHS主任批准因受傷、發病引致入住醫管局轄下的醫院或私家醫院之住院及醫療費用 The Plan covers the shortfall between the benefits entitlement under the SMBS and the medical charges as gazetted in the HA’s List of Charges effective from April 1, 2003. 當入住醫管局轄下醫院，本計劃的保障為大學SMBS所提供的醫療福利與政府刊登於憲報並於二零零三年四月一日起生效的公立醫院收費之差額。 TOP UP COVER 附加保障 Treatments at Private Hospitals 入住私家醫院 The Plan covers the shortfall between the benefits entitlement under the SMBS and the