• (1) The area of cover for Excel Plus Health Insurance Scheme excludes USA and Canada. Please refer to the Contract and Schedule of Benefits of the relevant health insurance scheme for details.
• (2) 24/7 HealthPro Concierge Service: This service gives you access to a range of personal healthcare support delivered by a team of doctors, qualified nurses and healthcare professionals including 24/7 Healthline, Doctor Referral, Second Medical Opinion, Chronic Conditions Programme as well as a personal Care Manager who will follow throughout your hospital stay in a local private hospital to help you with hospital admission and claims. 24/7 Healthline services provided by a team of qualified nurses and healthcare professionals, supported by doctors, are ready to answer your call 24 hours a day. Doctors will be available during scheduled office hours to support the nurses for answering the enquiries. Office hours: Mon–Fri, from 9am to 7pm (Hong Kong time), except public holidays. Any fees of the services suggested by HealthPro Concierge Service will be paid by the member unless otherwise covered by benefits under the contract. The HealthPro Concierge Service does not apply to Essential Health Insurance Scheme.
• (3) Subject to eligible expenses and the annual limit. The requirements for full cover and cashless treatment are different among different schemes and are subject to eligible expenses and the annual limit. You need to follow the required procedures to enjoy these benefits and services for certain schemes. Please refer to the contract of the particular scheme for more details.
• (4) Subject to Bupa’s approval, a Bupa medical card will be issued if you have a Hong Kong correspondence address. Your Bupa medical card cannot be used at the day-case centre of the local private hospital. Cashless treatment is not applicable to Complications of Pregnancy, Maternity Benefit and psychiatry related treatment. If the medical expenses incurred exceed the credit limit approved by Bupa, please follow the normal claim procedures for the reimbursement of the excess. If you enroll in Essential Health Insurance Scheme, your medical card is only applicable to Bupa’s appointed hospitals.
• (5) Therapies after discharge including Psychological Counselling, Dietetic Consultation, Occupational Therapy, Speech Therapy, as well as Chinese Herbalist Consultation and Acupuncture. Only applicable to Excel Plus and Global Supreme health insurance schemes.
• (6) Excel and Excel Plus health insurance schemes offer three deductible options for the Hospital and Surgical Benefit while Global Supreme offers four deductible options, giving you flexibility to decide the amount you will contribute to your in-patient medical expenses each year before receiving reimbursement from Bupa so you can lower your subscription. If you have an existing medical cover, such as group cover provided by your employer, you can offset the deductible to enjoy lower subscription for the medical protection that you want.
• (7) Each child will receive 25% discount on Hospital and Surgical Benefit when enrolling in Essential if one parent is already enrolled, or 50% discount if both parents are already enrolled.
• (8) For joint application of two or three family members for Excel, Excel Plus and Global Supreme, you can enjoy 10% and 15% discounts respectively on Hospital and Surgical Benefit.
• (9) The above information is intended as a general summary of information and is for reference only. Please visit here and refer to the relevant leaflet or factsheet for exact contents, terms, conditions and exclusions of the relevant Life Insurance Plan, and the policy of the relevant Life Insurance Plan shall be considered as final.
  
• (10) The maximum aggregate sum insured that each life insured could apply for eCancerPro Insurance Plan and eFamilyPro Life Insurance Plan is HKD8,000,000 for life insured who is aged 50 or below and HKD 3,500,000 for life insured who is aged above 50. Life insured aged 50 or below can apply eCancerPro Insurance Plan with sum insured up to HKD5,000,000 while Life insured aged above 50 can apply this plan with sum insured up to HKD3,000,000.

Disclosure of Information

• The above information is a product summary of information for reference only. Please refer to the promotion leaflet/flyer and contract for the detailed coverage, exact Terms and Conditions and exclusions of the relevant Health Insurance Schemes. The relevant schemes are underwritten by Bupa (Asia) Limited ("Bupa") which is authorized and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by Bupa for the exclusive distribution of the above schemes. Subscription will be payable to Bupa upon enrolment of relevant schemes. Bupa would provide Hang Seng Bank the relevant commission and performance bonus in accordance to the selling of relevant schemes. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely on the sales amount. In respect of an eligible dispute arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer. HealthPro Concierge Service is provided by Bupa.
• For further details of the offer of relevant health insurance schemes, please refer to the relevant promotional leaflet and relevant Terms and Conditions or contact Hang Seng Bank branch staff. In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail.

• The above Life Insurance Plan is underwritten by Hang Seng Insurance Company Limited. Hang Seng Insurance Company Limited is authorized and regulated by the Insurance Authority of the HKSAR. Hang Seng Bank is an insurance agent authorized by Hang Seng Insurance Company Limited and the insurance products are products of Hang Seng Insurance Company Limited but not Hang Seng Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance Company Limited and you directly.