Catastrophic Insurance
大學員工危疾保險

The University has delegated BUPA to provide all appointees (excluding dependents) eligible for hospitalisation benefits with catastrophic insurance. Purchased by the University, the catastrophic insurance underwritten by BUPA covers medical expenses over the current annual maximum reimbursable limit of $400,000 under SMBS (but not dependants) who are diagnosed with serious illnesses including all cancers (malignancies) and brain tumours (excluding carcinoma-in-situ), organ transplants and ultra-operations, etc. The additional benefits coverage ranges from $750,000 for Plan 1, $500,000 for Plan 2, and $250,000 for Plan 3, subject to 90% reimbursement and a deductible of $100,000 which may be covered under the SMBS as appropriate. Members may transfer to Bupa’s individual plan to ensure continued medical coverage upon cessation of their hospitalization coverage at the University.

大學委託保柏為所有有資格享有住院福利的同事（不包括家屬）安排危疾保險。由大學購買，危疾保險涵蓋超過大學僱員醫療福利計劃的最高索償額$400,000後，並在扣除 $100,000 的自付額後以90%索償比例計算的醫療開支。此保險保障範圍包括所有癌症（惡性腫瘤）、腦腫瘤（不包括原位癌）、器官移植及其他複雜手術。額外的保障範圍分為三個計劃：計劃 1 的保障額為 $750,000、計劃 2 為 $500,000，計劃 3 為 $250,000。此外，當員工不再享有大學提供的住院福利時，可轉移至保柏旗下的個人保險計劃， 以確保能夠繼續獲得醫療保障。

• Product Brochure 產品小冊子