Top-Up Medical Insurance Plan
附加醫療保險計劃

The University has arranged with Bupa to offer staff members the BUPA HKU Top-Up Medical Insurance Plan. The voluntary top-up medical insurance plan offers colleagues and/or their dependents the option of obtaining, at their expense, additional medical coverage to supplement the University’s Staff Medical Benefits Scheme at discounted rates. 

Major Features:

1. It covers the shortfall between the benefits entitlement under the University’s Staff Medical Benefits Scheme and the actual costs of reimbursable hospitalization/medical expenses, up to an overall annual limit of $750,000;
2. There is an annual deductible of $7,500 for plan 1 and $3,750 for plan 2;
3. For new members, pre-existing conditions will be covered after a one-year waiting period;
4. Dependants must enroll at the same time as the staff member unless they are residing or receiving education overseas or they are covered by another medical insurance scheme operated by the spouse’s employer;
5. Members may transfer to one of Bupa’s individual plans to ensure continued medical coverage upon cessation of their hospitalization coverage at the University

大學委托保柏提供保柏香港大學附加醫療保險計劃，同事可以折扣價自費為本人及其家屬（如適用）自願購買附加醫療保險計劃，以獲額外醫療保障。 

主要特點︰

（一）提供僱員醫療福利計劃下的醫療福利與實際住院/醫療費用差額之保障。每年的最高保障額為港幣七十五萬元；

（二）每年自付額為：計劃一：港幣七仟伍百元；計劃二：港幣三仟七百伍十元；

（三）新投保的同事若有已存在病症，經一年的等待期後會獲承保；

（四）僱員的配偶及需供養子女必須一起參加此計劃。凡居住海外或在海外接受全日制教育或已享有配偶的僱主提供之團體醫療保障的家屬除外；

（五）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。