Bupa — same-insurer plan comparison

No aggregate limit

$1,000 per day, maximum 270 days per Policy Year

$16,400 per Policy Year

$1,000 per day, maximum 270 days per Policy Year

$4,600 per Policy Year

$4,000 per day, maximum 25 days per Policy Year

$6,180

$13,550

$31,600

$58,600

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $20,500 • Major $11,200 • Intermediate $4,750 • Minor $2,600

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $20,500 • Major $11,200 • Intermediate $4,750 • Minor $2,600

$20,000 per Policy Year. Subject to 30% Coinsurance.

$83,000 per Policy Year

$3,200 per Policy Year • 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

$410 per day (maximum 120 days per Policy Year)

$6,600 per Policy Year within 48 hours of the Accident or Emergency

$83,000 per Policy Year

$225 per visit, maximum 20 visits per Policy Year

$450 per day (maximum 270 days per Policy Year)

$500 per day (maximum 270 days per Policy Year)

No aggregate limit

HK$135,500／per policy year, 20% coinsurance

$1,000 per day, maximum 270 days per Policy Year

$16,400 per Policy Year

$1,000 per day, maximum 270 days per Policy Year

$4,600 per Policy Year

$4,000 per day, maximum 25 days per Policy Year

$6,180

$13,550

$31,600

$58,600

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $20,500 • Major $11,200 • Intermediate $4,750 • Minor $2,600

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $20,500 • Major $11,200 • Intermediate $4,750 • Minor $2,600

$20,000 per Policy Year. Subject to 30% Coinsurance.

$83,000 per Policy Year

$3,200 per Policy Year • 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

$410 per day (maximum 120 days per Policy Year)

$6,600 per Policy Year within 48 hours of the Accident or Emergency

$83,000 per Policy Year

$225 per visit, maximum 20 visits per Policy Year

Full reimbursement, up to $272,500 per Policy Year. Applies only to hospital confinement at a Bupa MyFlexi Designated Hospital, or day case procedures, prescribed non-surgical cancer treatments or prescribed diagnostic imaging tests at a Bupa Designated Service Provider; referral, attendance and/or treatment by a Bupa Designated Specialist and prior completion of the pre-approval process are required; the Insured Person must stay in a ward or a lower ward class; Eligible Expenses incurred in Hong Kong only. Covers Basic Benefits items (a) to (j).

$450 per day (maximum 270 days per Policy Year)

$500 per day (maximum 270 days per Policy Year)

No aggregate limit

$2,100 per day, maximum 270 days per Policy Year

$25,600 per Policy Year

$1,800 per day, maximum 270 days per Policy Year

$5,050 per Policy Year

$5,400 per day, maximum 25 days per Policy Year

$8,100

$18,700

$44,400

$81,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $28,300 • Major $15,550 • Intermediate $6,560 • Minor $2,930

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $28,300 • Major $15,550 • Intermediate $6,560 • Minor $2,930

$30,000 per Policy Year. Subject to 30% Coinsurance.

$123,000 per Policy Year

$3,600 per Policy Year • 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

$680 per day (maximum 120 days per Policy Year)

$8,700 per Policy Year within 48 hours of the Accident or Emergency

$123,000 per Policy Year

$270 per visit, maximum 20 visits per Policy Year

$850 per day (maximum 270 days per Policy Year)

$1,050 per day (maximum 270 days per Policy Year)

No aggregate limit

HK$338,700／per policy year, 20% coinsurance

$2,100 per day, maximum 270 days per Policy Year

$25,600 per Policy Year

$1,800 per day, maximum 270 days per Policy Year

$5,050 per Policy Year

$5,400 per day, maximum 25 days per Policy Year

$8,100

$18,700

$44,400

$81,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $28,300 • Major $15,550 • Intermediate $6,560 • Minor $2,930

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $28,300 • Major $15,550 • Intermediate $6,560 • Minor $2,930

$30,000 per Policy Year. Subject to 30% Coinsurance.

$123,000 per Policy Year

$3,600 per Policy Year • 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

$680 per day (maximum 120 days per Policy Year)

$8,700 per Policy Year within 48 hours of the Accident or Emergency

$123,000 per Policy Year

$270 per visit, maximum 20 visits per Policy Year

Full reimbursement, up to $536,700 per Policy Year. Applies only to hospital confinement at a Bupa MyFlexi Designated Hospital, or day case procedures, prescribed non-surgical cancer treatments or prescribed diagnostic imaging tests at a Bupa Designated Service Provider; referral, attendance and/or treatment by a Bupa Designated Specialist and prior completion of the pre-approval process are required; the Insured Person must stay in a semi-private room or a lower ward class; Eligible Expenses incurred in Hong Kong only. Covers Basic Benefits items (a) to (j).

$850 per day (maximum 270 days per Policy Year)

$1,050 per day (maximum 270 days per Policy Year)

No aggregate limit

$4,000 per day, maximum 270 days per Policy Year

$45,600 per Policy Year

$3,900 per day, maximum 270 days per Policy Year

$13,400 per Policy Year

$8,000 per day, maximum 25 days per Policy Year

$9,650

$26,800

$63,200

$126,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $43,200 • Major $22,000 • Intermediate $9,350 • Minor $4,720

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $43,200 • Major $22,000 • Intermediate $9,350 • Minor $4,720

$40,000 per Policy Year. Subject to 30% Coinsurance.

$158,000 per Policy Year

$6,000 per Policy Year • 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

$1,020 per day (maximum 120 days per Policy Year)

$11,900 per Policy Year within 48 hours of the Accident or Emergency

$158,000 per Policy Year

$360 per visit, maximum 20 visits per Policy Year

$1,880 per day (maximum 270 days per Policy Year)

$2,000 per day (maximum 270 days per Policy Year)

No aggregate limit

HK$636,880／per policy year, 20% coinsurance

$4,000 per day, maximum 270 days per Policy Year

$45,600 per Policy Year

$3,900 per day, maximum 270 days per Policy Year

$13,400 per Policy Year

$8,000 per day, maximum 25 days per Policy Year

$9,650

$26,800

$63,200

$126,000

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $43,200 • Major $22,000 • Intermediate $9,350 • Minor $4,720

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $43,200 • Major $22,000 • Intermediate $9,350 • Minor $4,720

$40,000 per Policy Year. Subject to 30% Coinsurance.

$158,000 per Policy Year

$6,000 per Policy Year • 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure

$30,000 per Policy Year

$1,020 per day (maximum 120 days per Policy Year)

$11,900 per Policy Year within 48 hours of the Accident or Emergency

$158,000 per Policy Year

$360 per visit, maximum 20 visits per Policy Year

Full reimbursement, up to $1,076,000 per Policy Year. Applies only to hospital confinement at a Bupa MyFlexi Designated Hospital, or day case procedures, prescribed non-surgical cancer treatments or prescribed diagnostic imaging tests at a Bupa Designated Service Provider; referral, attendance and/or treatment by a Bupa Designated Specialist and prior completion of the pre-approval process are required; the Insured Person must stay in a standard private room or a lower ward class; Eligible Expenses incurred in Hong Kong only. Covers Basic Benefits items (a) to (j).

$1,880 per day (maximum 270 days per Policy Year)

$2,000 per day (maximum 270 days per Policy Year)

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure; • 2 outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure; • 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

$600 per day

$420,000 per Policy Year

No aggregate limit

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$650 per visit, maximum 20 visits per Policy Year

$150,000 per Policy Year

$2,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)

$100,000 per Policy Year

$100,000 per device per Policy Year

Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below: • 1 outpatient visit more than 90 days before the outpatient sleep apnoea test; • All outpatient visits within 90 days before the outpatient sleep apnoea test; • All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.

Full reimbursement of Eligible Expenses

$1,260 per day

$50,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

$1,000,000 per Policy Year

No aggregate limit

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$750 per visit, maximum 20 visits per Policy Year

$180,000 per Policy Year

$3,150 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)

$120,000 per Policy Year

$120,000 per device per Policy Year

Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below: • 1 outpatient visit more than 90 days before the outpatient sleep apnoea test; • All outpatient visits within 90 days before the outpatient sleep apnoea test; • All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.

Full reimbursement of Eligible Expenses

$2,400 per day

$80,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)

$1,500,000 per Policy Year

No aggregate limit

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure; • 2 outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure; • 30 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$550 per visit, maximum 20 visits per Policy Year

$100,000 per Policy Year

$1,500 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)

$80,000 per Policy Year

$80,000 per device per Policy Year

Full reimbursement of Eligible Expenses

$600 per day

$40,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

No aggregate limit

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$700 per visit, maximum 20 visits per Policy Year

$165,000 per Policy Year

$2,300 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)

$110,000 per Policy Year

$110,000 per device per Policy Year

Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below: • 1 outpatient visit more than 90 days before the outpatient sleep apnoea test; • All outpatient visits within 90 days before the outpatient sleep apnoea test; • All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.

Full reimbursement of Eligible Expenses

$1,260 per day

$60,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

No aggregate limit

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$850 per visit, maximum 20 visits per Policy Year

$230,000 per Policy Year

$3,300 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)

$150,000 per Policy Year

$150,000 per device per Policy Year

Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below: • 1 outpatient visit more than 90 days before the outpatient sleep apnoea test; • All outpatient visits within 90 days before the outpatient sleep apnoea test; • All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.

Full reimbursement of Eligible Expenses

$2,400 per day

$100,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)

No aggregate limit

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$880 per visit, maximum 20 visits per Policy Year

$250,000 per Policy Year

$3,500 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)

$160,000 per Policy Year

$160,000 per device per Policy Year

Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below: • 1 outpatient visit more than 90 days before the outpatient sleep apnoea test; • All outpatient visits within 90 days before the outpatient sleep apnoea test; • All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.

Full reimbursement of Eligible Expenses

$120,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)

No aggregate limit

Once per lifetime · no fresh underwriting Continuous cover for 2 policy years and no deductible reduction in the preceding 2 years (latter waived at 85). Apply at least 30 days before renewal on or following the birthday. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.

Full reimbursement of Eligible Expenses

Full reimbursement of Eligible Expenses

$880 per visit, maximum 20 visits per Policy Year

$300,000 per Policy Year

$4,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)

$160,000 per Policy Year

$160,000 per device per Policy Year

Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below: • 1 outpatient visit more than 90 days before the outpatient sleep apnoea test; • All outpatient visits within 90 days before the outpatient sleep apnoea test; • All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.

Full reimbursement of Eligible Expenses

$120,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)