BUPA Sales Brochure（个人）

Worldwide Health OptionsThe international health plan you can tailor to your needs

全球个人医疗保险计划国际健康方案，依您所需，量身定制

Insured by承保方

Administered by管理方

Contents 目录

3

Why Worldwide Health Options is right for you

全球个人医疗保险计划为什么适合您 4

How to create your individual plan 如何建立您的个人计划 6

World-class service you can rely on 值得信赖的国际一流服务 8

Core coverWorldwide Medical Insurance

核心保障全球医疗保险计划

12

OptionWorldwide Medical Plus

可选保障全球医疗保险扩展保障

16

OptionWorldwide Medicines and Equipment

可选保障全球药物和设备保障

18

OptionWorldwide Wellbeing

可选保障全球健康福利保障

20

OptionWorldwide Evacuation

可选保障全球医疗运送保障

22

USA Cover 美国保障 24

Deductibles 年度免赔额 26

General exclusions 通用责任免除 28

What to do next? 下一步怎么做？ 29

4

Alltrust, a leading Chinese insurer has partnered with Bupa International to bring you Worldwide Health Options.

中国同业领先的永诚财产保险股份有限公司与Bupa International精诚合作，为您带来全球个人医疗保险计划。

Since it was established in 2004, Alltrust has set up

27 provincial branches and more than 160

sub-branches and employs over 4,000 people. With

its head office in Shanghai, it provides products

and services including property insurance, liability

insurance, health insurance, accident insurance and

motor insurance.

Worldwide Health Options is administered by Bupa

International, which is part of the internationally

respected Bupa Group. Bupa is a UK market leader in

health and care with a strong international presence.

It has been trading since 1947, and now looks after

over 10 million members worldwide comprising of

115 nationalities resident in 190 countries.

永诚财产保险股份有限公司成立于2004年。成立至

今，已经设立了27家省级分公司和160余家中心支

公司及营销服务部，员工超过4,000名。永诚总部

设在上海，提供财产保险、责任保险、健康保险、

意外保险和汽车保险等产品和服务。

全球个人医疗保险计划由Bupa International管

理。Bupa International隶属于国际知名的保柏集

团。保柏在英国健康和护理市场处于领先地位，业

务服务遍布全球。保柏集团成立于1947年，目前

为115个国籍超过1,000万会员服务，这些会员分

别位于全球190个国家和地区。

Why Worldwide Health Options is right for you

全球个人医疗保险计划为什么适合您

As your plan administrator, Bupa has offices in

the UK, Hong Kong, Thailand, Saudi Arabia, India,

Australia, USA, Denmark, Egypt, France and Spain,

and a wide international network of brokers and

business partners. As a member you can be treated

in any one of 7,500 participating hospitals and

clinics worldwide, or in any recognised hospital or

clinic of your choice. From the moment you call to

pre-authorise your treatment, Bupa International

will be there for you every step of the way. They will

even help you locate the closest suitable hospital

and make appointments for your treatment on your

behalf – so you can focus on getting better.

In fact, Bupa International pride themselves on

offering you the highest standard of service. They

have multi-lingual, medically trained staff who can

speak to you on the telephone 24 hours a day, ready

to help with any health-related questions or concerns

you may have.

You can also speak to an adviser whenever you need

to using webchat, an instant messaging service

with which Bupa International can answer any of

your questions. With a wealth of local knowledge

and expertise on hand 24/7, you can be sure that

whenever you need them, Bupa will be there to help.

So if you’re looking for a flexible international health

insurance plan that will offer you excellent cover and

service, choose Worldwide Health Options.

If you’d like to find out more about Worldwide

Health Options, a member of our team would

be delighted to help. You can speak to us on

+86 21 5852 5959 from outside China or

021-58525959 from inside China between

8:30am and 5pm (GMT+8) Monday to Friday or

speak to your local distributor. You can also email

us at: [email protected].

作为您健康计划的管理者，保柏在英国、中国香

港、泰国、沙特阿拉伯、印度、澳大利亚、美国、

丹麦、埃及、法国和西班牙设有公司，在全球拥有

广泛的经纪人和商业伙伴网络。作为被保险人，

您可以选择在全球7,500家网络医院和诊所中的任

何一家就医，也可以选择网络医院之外的经认可

的医院接受治疗。自你打电话要求治疗授权的那

一刻起，Bupa International便开始陪伴您就医的每

一步，甚至可以帮助您选择最佳的医院，替你预

约——使您能专心于身体康复。

事实上，Bupa International能够为你提供最高标准

的服务而自豪。所有工作服务人员都经过专业的医

学培训，为您提供全天候、多语种服务，随时为您

解答有关健康的问题和疑虑。

当您需要，也可以使用网络聊天工具（一种即时的

信息服务）联系顾问，凭借丰富的当地经验和专业

知识，Bupa International可以全天候为你服务，解

答您的任何问题。您可以确信，不论何时、无论何

地，Bupa International都会在您身边，给您帮助。

因此，如果您正寻找灵活的全球性健康保险计划以

提供周全的保障，请选择全球个人医疗保险。

如果您希望了解全球个人医疗保险计划的详情，

请拨打电话 +86 21 5852 5959 （从中国境外拨

打），或者 021 – 58525959 （从中国境内拨打）

，周一至周五，上午8:30至下午5:00（北京时间）

，或者与您的当地经销商联系。您也可以发送邮件

至：[email protected]。

5

To ensure that you are paying a price that is right for

your needs, we will calculate the cost of your plan

according to the cover options you choose and the

country where you spend most of your time. And

to make the price even more flexible, you can also

choose to include deductibles if you wish.

So, with the assistance of our specially trained sales

team, you can create your own, tailored healthcare

plan to meet your individual needs.

To find out more about Worldwide Medical Insurance

and each of our options (including treatment in the

USA), and what they cover turn to page 12. You can

also read more about deductibles, and how they

work, on page 26.

为了确保您的支出物有所值，我们将根据您所选择

的保障范围以及您长期居住的国家来计算你的保

费。同时，为了让价格更加灵活，您可以选择是否

包括免赔额。

我们的销售小组接受过专门培训，可以帮助您建立

符合自身需求的健康医疗计划。

进一步了解全球医疗保险计划和其他可选保障的详

细信息，请参见第12页。了解更多有关免赔额和其

功能的详细信息，请参见第26页。

How to create your individual plan

如何建立您的个人计划

With Worldwide Health Options you have the reassurance of our core Worldwide Medical Insurance cover, and the freedom to include any number of cover options.

全球个人医疗保险计划保证您获得全球医疗保险的核心保障，也可以让您自由选择其他可选保障。

WorldwideMedical

Insurance全球医疗保险保障

WorldwideMedical

Plus全球医疗保险扩展保障

WorldwideMedicines

and Equipment全球药物和设备保障

WorldwideWellbeing全球健康福利保障

WorldwideEvacuation全球医疗运送保障

USACover美国保障

如果需要，你可以选择美国保障最后选择适用您的年度免赔额然后选择您需要的可选保障从我们的核心保障开始

An optional deductible that is spread

across your cover and option

年度免赔额为可选计划，适用您的保障和可选保障

Plus USA Cover if you need it

Finally decide what deductibles, if any , you want

++ =A flexible

healthcare planthat is tailored

to yourindivdual needs

健康保障计划灵活，满足您的个人需求

Then choose the options you wish to addStart with our core cover

+6

WorldwideMedical

Insurance全球医疗保险保障

WorldwideMedical

Plus全球医疗保险扩展保障

WorldwideMedicines

and Equipment全球药物和设备保障

WorldwideWellbeing全球健康福利保障

WorldwideEvacuation全球医疗运送保障

USACover美国保障

如果需要，你可以选择美国保障最后选择适用您的年度免赔额然后选择您需要的可选保障从我们的核心保障开始

An optional deductible that is spread

across your cover and option

年度免赔额为可选计划，适用您的保障和可选保障

Plus USA Cover if you need it

Finally decide what deductibles, if any , you want

++ =A flexible

healthcare planthat is tailored

to yourindivdual needs

健康保障计划灵活，满足您的个人需求

Then choose the options you wish to addStart with our core cover

+7

World-class service you can rely on

值得信赖的国际一流服务

Health insurance is just the start of the package we offer. As a member, you have access to a number of services to help make your life easier. Wherever you are in the world, we’re just a phone call away with expert assistance and advice.

健康保险仅是我们工作的开始。作为被保险人，您还可以享受一系列的服务，使您的生活变得更加简单、容易。无论您身处何处，只需一个电话，就能获得专家的帮助和建议。

Around the clock help from the Medical CentreWe never know what is around the corner. But

whatever else changes in your life, the Medical

Centre gives you the reassurance that you are

in safe and expert hands if ever your health is

compromised.

You can call the Medical Centre on

+44 (0) 1273 333 911 at any time of the day or

night and speak to medically trained people who

understand your situation and can give you the

healthcare advice, support and assistance you need.

医疗中心提供全天候的服务我们无法预知将来的事情，但无论你的生活发生什

么改变，只要您的健康受到影响，医疗中心的专家

将为您提供贴心的照顾。

无论何时，您都可以拨打+44 (0) 1273 333 911与

我们医疗人员联系。他们接受过专门的医学培训，

可以了解您的情况并为您提供保健建议、支持和帮

助。

8

9

What help can you expect?You’ll find the Medical Centre an accessible,

knowledgeable and comprehensive resource for all

your health-related questions and concerns. We can

put you in touch with someone who speaks your

own language and can refer you to medical experts

and local facilities around the globe.

您可以得到哪些帮助？您发现从医疗中心，您可以轻松获取专业且全面的

有健康相关疑问和顾虑的解答。我们提供多语种服

务，并且可以向您推荐医疗专家和当地医疗设施。

If you choose the Worldwide Evacuation option,

you can ask Bupa International to arrange medical

evacuations and repatriations, including:

•air ambulance transportation

•commercial flights, with or without medical escorts

•stretcher transportation

•travel arrangements for relatives and escorts and

•repatriation of mortal remains

Bupa International's Medical Centre teams will

handle your case from start to finish, so that you

can always talk to someone who knows what

is happening and will give you the support and

consistent advice you require.

You’ll be treated as a valued individual rather than

a policy number – we believe that every person and

situation is different, and we focus on helping you to

find the answers and solutions that work specifically

for you.

如果您选择了全球医疗运送计划，您可以要求Bupa

International安排医疗运送和医疗送返，包括：

•空中救援运输服务

•商业航班运输（包括有医疗护送或无医疗护送）

•担架运输

•亲属和陪同人员的旅行安排

•遗体送返

Bupa International的医疗中心小组将会自始至终跟

进您的个案，我们的员工会时刻了解您的情况，为

您提供您所需的支持和保持一致的建议。

我们将客户视为宝贵的个人而不仅仅是保单号码 –

我们认为每个人的情况都不尽相同，因此会全力帮

助您找出适合您具体需求和情况的解决方案。

You can ask for help with*:

•medical referrals and advice

•booking appointments

•medical ‘second opinions’

•travel advice

•security advice

您可以在以下方面得到帮助：

•转诊和建议

•预约挂号

•“第二诊疗意见”

•旅游建议

•安全建议

* Bupa International obtain health, travel and security information from third parties. You should check this information as they cannot be held responsible for any errors or omissions, or any loss, damage, illness and/or injury that may occur as a result of this information.

* Bupa International从第三方获取健康、旅游和安

全信息，但并不对这些信息所造成的错误、疏漏、

或任何损失、损害、疾病和/或伤害承担任何责

任，因此建议您查证该等信息的准确性。

Online support at MembersWorldTo make your life easier and save you time and

hassle, Bupa International have created an exclusive

members website. You can visit your MembersWorld

website at www.bupa-intl.com/membersworld*

from anywhere in the world to manage your cover

and access a comprehensive library of information.

You can:

•view your plan documents

•update your personal details

•track the progress of your claims**

•search the international hospital directory

•download claim forms and other useful

documents, and

•talk to Bupa International online using their free

webchat service

Get expert health advice from bupa.comThe health area on bupa.com is full of up-to-date

information that can help you to stay fit and well.

Look up the names of commonly used medicines

and find out how they work and any side-effects

and alternatives.

MembersWorld的在线支持为了使您的生活变得更加便利、节省您的时间、减

少麻烦，Bupa International建立了一个专有的被保

险人网站。无论您在世界任何角落，都可以登录

MembersWorld www.bupa-intl.com/membersworld*

，管理您的健康保障，并且获取全方位的信息。

在 MembersWorld 您可以：

•浏览您的相关保险计划

•更新您的个人资料

•追踪您的理赔进度**

•搜索国际医院目录

•下载理赔表和其他相关的表格

•使用Bupa International免费网络聊天服务，跟我

们取得联系

从 bupa.com 获取专家健康建议登录bupa.com 的健康保健专区，这里有众多最新信

息，能够帮您保持身体健康。查看常规药物的名称

并且了解这些药物的疗效、有何副作用以及有哪些

替代药物等信息。

* Email disclaimer

We cannot guarantee the security of email as

a method of communication. Some companies

and countries do monitor email traffic - please

keep this in mind when sending confidential

information. If you feel your email is not secure

please send us your confidential documents by

post or fax.

** MembersWorld may not track claims in the USA

as Bupa International use a third party here.

* 电子邮件免责声明

我们无法保证电子邮件是一种安全的沟通方式。切

记当您发送保密信息时，某些国家和公司会监督电

子邮件的发送。如果您感觉电子邮件不安全，请通

过邮寄或传真的方式将保密文件寄送给我们。

** Bupa International在美国使用第三方服务，因此

MembersWorld 无法追踪美国理赔的情况。

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24/7 assistance from general enquiriesWe also have a team of expertly trained people on

hand at the end of the phone 24/7, ready to help

with any general enquiries you may have. Wherever

in the world you may be, you can be sure we can

put you in touch with someone who can speak your

own language.

If you’d like to find out more about the benefits

of Worldwide Health Options, a member of our

team would be delighted to help. You can speak

to us on +86 21 5852 5959 from outside China

or 021-58525959 from inside China between


speak to your local distributor.. You can also email


对于常规咨询，我们提供全天候服务我们的电话服务人员都经过专业培训，为您提供全

天候、多语种的常规咨询服务。

如果您希望了解全球个人医疗保险计划的详情，请

拨打电话 +86 21 5852 5959 （从中国境外拨打）

，或者021 – 58525959 （从中国境内拨打），

周一至周五，上午8:30至下午5:00（北京时间）



11

Core cover 核心保障Worldwide Medical Insurance

全球医疗保险计划

For treatment received whilst staying in hospital, either overnight or as a day-caseWorldwide Medical Insurance gives you the

reassurance of covering essential hospital treatment

you may need, whether in an emergency or a

planned visit. All surgery, cancer treatment and

advanced imaging, whether received whilst staying

in hospital or as a visiting patient, are also included.

You may have chosen this cover on its own, or

together with any combination of our options.

What is covered? Worldwide Medical Insurance covers you for a

maximum of $2,550,000 each policy year, and also

includes cancer treatment in full and transplant

services (including donor expenses for organ

harvesting if the recipient is a member).

Please see overleaf for more details.

针对住院或日间住院时接受的治疗全球医疗保险计划的保障范围将涵盖您在急诊或预

约门诊时可能需要的任何必要的治疗。住院和门诊

接受的手术治疗、癌症治疗及先进的影像检查也都

包括在内。本核心保障可以单独投保，也可以与以

下一项或多项可选保障共同投保。

保障范围有哪些？全球医疗保险计划每一保单年度的最高给付金额为255

万美元，还包括癌症治疗全额赔付和器官移植治疗（如

果接受器官移植的患者是被保险人的话，还包括器官的

捐赠支出）。

了解更多详情，请参见背面。

12

Worldwide Medical Insurance全球医疗保险计划Benefit保障范围

Level of cover保障水平

$ US美元

Staying in hospital overnight or as a day-case 住院或日间住院时接受的治疗

Paid in full全额赔付

Parent accommodation家长住宿


Nursing care护理


Operating room, medicines and surgical dressings手术室、药物和包扎敷料


Intensive care, intensive therapy, coronary care and high dependency unit重症监护病房、重危病房、冠心病监护病房和高护病房


Surgery, including surgeons’, anaesthetists’ and assistants’ fees外科手术，包括外科医生、麻醉师和助理的费用


Specialists’ consultation fees 专家咨询费


Pathology, X-rays, diagnostic tests and therapies病理、x射线、诊断测试和疗法


Rehabilitation康复治疗

Paid in full for 30 days each condition每一病症全额赔付日数以30天为限

Advanced imaging先进影像检查


Psychiatric treatment overnight in hospital, including room, board and treatment costs精神病住院治疗包括房间、伙食和治疗费用

No more than 90 days from the first effective date of the first policy自首份保单首个生效日起累计赔付天数不超过90天

Psychiatric treatment as a day-case, including room, board and treatment costs日间住院的精神治疗，包括房间、伙食和治疗费用

Paid in full for 20 days each policy year在一个保单年度内，全额赔付日数以20天为限

Prosthetic implants and appliances人工植入物和用具

Paid in full 全额赔付

Prosthetic devices假体装置

Each device, up to每个假体，最高给付金额

3,400

Childbirth and treatment in hospital在医院分娩和治疗

Each policy year, up to 每个保单年度最高给付金额

11,050

Maternity - home delivery生育 - 家中分娩

Each policy year, up to每个保单年度最高给付金额

1,105

Medically essential Caesarean section医疗上必须实施的剖腹产手术


22,100

Newborn care新生儿护理

127,500

Cancer treatment 癌症治疗


Transplant services 移植服务

Each condition, up to每项病症最高给付金额

255,000

Hospice and palliative care舒缓护理和临终关怀

No more than the specified monetary limit from the first effective date of the first policy自首份保单首个生效日起累计赔付金额不超过

34,000

Local road ambulance地方救护车


Local air ambulance当地空中救护


8,500

Home nursing家庭护理

Paid in full for 30 days each policy year在每一保单年度内，全额赔付日数以30天为限

Hospitalisation cash benefit 住院现金津贴

Each night for a maximum of up to 30 nights each policy year在每一保单年度内，最高赔付以30晚为限，最高给付金额为每晚

170

Emergency dental treatment紧急牙科治疗


Treatment of congenital and hereditary conditions先天性和遗传性疾病治疗


34,000

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What is not covered?We don’t cover treatment received at a hospital

when you are not staying overnight or as a day-

case. Maternity benefits are payable only after

the mother has been a member for 10 months.

(We don’t pay for treatment directly related to

surrogacy.) We don’t pay the medical costs of organ

harvesting for transplant if the intended recipient is

not a member. And finally, we will not pay hospital

room and board charges if you are staying in

hospital unnecessarily.

For full details of what is and what is not covered

please see the membership guide.









责任免除有哪些？我们不保障您在非住院或非日间住院时接受的治

疗。生育保障只有在投保10个月之后方可生效（

不保障与代孕直接相关的治疗费用。）如果接受器

官移植的患者不是被保险人，则我们不予保障。并

且，我们不保障你非必要的住院治疗所产生的病房

和伙食费用。

关于责任免除的详细信息，请参见会员手册。


拨打电话 +86 21 5852 5959 （从中国境外拨打）

，或者021 – 58525959 （从中国境内拨打），




15

16

Option 可选保障

For specialist treatment where you do not need to stay in hospitalWorldwide Medical Plus covers you for consultations

with a doctor or specialist and medical treatments

that do not require a hospital stay. These may

include osteopathy or physiotherapy for example.

Some of these treatments or consultations may

take place before or after a hospital stay, but many

will be totally independent.

针对无需住院的专科治疗全球医疗扩展保障将涵盖您所有医生或专家的会诊

费，以及无需住院的治疗费用。包括如整骨疗法

或物理疗法。这些治疗和会诊有可能发生于住院前

后，但很多是完全独立的。

保障范围有哪些？全球医疗扩展保障每一保单年度的最高给付金额为

4.5万美元（不包括移植服务），还包括幼儿护理、

产妇护理、辅助疗法和语言障碍治疗。

Worldwide Medical Plus全球医疗扩展保障Benefit保障范围


$ US美元

Specialists’ consultation and doctors’ fees专家和医生的诊疗费

Paid in full up to 35 visits each policy year在每一保单年度内全额最高赔付次数以35次为限

Physiotherapy, osteopathy and chiropractor treatment物理疗法、整骨疗法和脊椎疗法


Consultations and treatment with complementary therapists 辅助疗法的诊疗费和治疗费


Psychiatrists’ and psychologists’ fees精神病医生和心理医生费用


Speech therapy语言障碍治疗


Pathology, X-rays and diagnostic tests病理、X射线和诊断测试


Young child care幼儿护理


1,700

Maternity生育保障


3,400

Accident-related dental treatment与事故有关的牙科治疗

Each policy year, 80% up to 赔付80%的费用，每一个保单年度最高赔付额

850

Transplant services器官移植

Each condition, up to每项病症最高给付额

85,000

What is covered? Worldwide Medical Plus covers you for a maximum

of $42,500 each policy year (excluding transplant

services) and also includes cover for young child

care, maternity care, complementary therapies and

speech therapy.

Worldwide Medical Plus

全球医疗扩展保障

17

What is not covered?We cover physical and complementary therapies,

including acupuncture, homeopathy and traditional

Chinese medicine. However, we do not pay for

complementary therapies such as ayurvedic

treatment or aromatherapy which may be available.

Maternity benefit is payable only after the mother

has been a member on this option for 10 months.

We do not pay for the repair or provision of dental

implants, crowns or dentures.











责任免除有哪些？我们保障物理和辅助疗法的费用，包括针灸、顺势

疗法和传统中医学治疗。但是我们不保障可获得的

草药治疗或芳香疗法。

生育保障只有在投保10个月之后方可生效。

我们不保障修复或提供牙科植入物、牙冠或假牙的

费用。



拨打电话 +86 21 5852 5959 （从中国境外拨打）

，或者021 – 58525959 （从中国境内拨打），




Option 可选保障

For prescribed medicines and medical equipmentOften, treatment doesn’t end when you leave the

hospital or clinic or after you have seen a specialist.

This option covers you for prescription medicines

and the rental of medical appliances, such as oxygen

supplies or wheelchairs.

What is covered? Worldwide Medicines and Equipment covers you up

to $2,550 each policy year for medicines, dressings

and rental of medical equipment. Our unique

long-term prescriptions benefit will also pay for any

medicines required to manage chronic conditions

such as asthma.

针对处方药和医疗设备通常，当您离开医院或诊所，或您看过专科医生

后，治疗并没有结束。此可选保障将涵盖您在处方

药和医疗设备租用方面的费用，比如包括氧气供应

装置和轮椅。

保障范围有哪些？全球药物和设备保障每一保单年度的最高给付金额

为2,550美元，包括药物、包扎敷料和医疗设备的

租用费。我们独有的长期处方药保障还将支付治疗

慢性病的药物支出，例如哮喘。

Worldwide Medicines and Equipment

全球药物和设备保障

18

19

Worldwide Medicines and Equipment全球药物和设备保障Benefit保障范围


$ US美元

Prescribed medicines and dressings处方药和包扎敷料


2,550Durable medical equipment rental耐用医疗设备的租用费

Up to 45 days each condition, each policy year up to每种病症至多赔付45天，每个保单年度给付限额为

Long-term prescription medicines长期处方药

Each policy year, 80% up to 赔付80%的费用，每一个保单年度最高赔付额

17,000

To the maximum amount from the first effective date of the first policy自首份保单首个生效日起累计最高赔付金额

102,000

What is not covered?We will only cover long-term prescription medicines

after you have continued to renew your policy for

three or more years.











责任免除有哪些？只有在您连续投保3年或以上情况下我们才会保障

长期处方药的费用。



拨打电话 +86 21 5852 5959 （从中国境外拨打）

，或者021 – 58525959 （从中国境内拨打），




20

Option 可选保障

For a range of health screenings, vaccinations, dental and optical treatmentOur Worldwide Wellbeing option is designed to

help you stay healthy. It covers medical screenings

that can provide valuable early detection of

conditions such as cancer. It covers dental and

optical treatments, which can play an important role

in keeping you healthy by identifying underlying

problems such as mouth cancer or diabetes. The

earlier a condition is identified, the faster you can be

on the road to recovery.

针对一系列健康筛查、疫苗接种、牙科和眼科治疗全球健康福利计划旨在保障您的身体健康。保障范

围包括医疗筛检，为您提供宝贵的癌症类疾病的早

期检测。此外还包括牙科和眼科治疗，通过检测发

现如口腔癌或糖尿病等潜在疾病，帮助您更加了解

自身的健康状况。越早确诊病情，越有利于您的早

日恢复健康。

Worldwide Wellbeing

全球健康福利保障

What is covered?Our Worldwide Wellbeing covers you for up to

$8,500 each policy year. This covers you for

vaccinations, eye tests and preventive dental care as

detailed below.

保障范围有哪些？全球健康福利保障每一保单年度的最高给付金额为

8,500美元，包括疫苗接种、视力测试和预防性牙

齿护理，详情如下。

21

What is not covered?Full health screening is available only once you have

been covered on this option for one year, and every

other year thereafter.

Preventive and routine dental treatment is available

after six months’ membership on this option.

Orthodontic treatment up to the age of 19 is

available after two years' continuous coverage.











责任免除有哪些？只有您在选择该保障且期满一年才可获得全面健康

筛查，之后每两年一次。

在投保该保障保满6个月后方可享受预防和常规牙科

治疗。连续两年投保该保障科享受牙科正畸治疗，

被保险人最高年限为19岁。



请拨打电话 +86 21 5852 5959 （从中国境外拨

打），或者021 – 58525959 （从中国境内拨打）




Worldwide Wellbeing全球健康福利保障

Benefit保障范围


$ US美元

Screening and prevention:筛查和预防：Full health screen全身健康检查

Each policy year, up to每个最高给付金额 850

Mammogram乳房X光检查Papanicolaou (PAP) test巴氏（PAP）测试Prostate cancer screen前列腺癌检查Colon cancer screen结肠癌检查Bone densitometry骨密度检查Four dietetic consultations4次饮食咨询Vaccinations接种疫苗Dental:牙科:Preventive预防

Each policy year, 100% up to赔付100%的费用，每一个保单年度最高赔付额

5,950Routine and major restorative常规和主要康复费用


Orthodontic矫正


Optical:眼科：Eye test (including consultation)视力测试（包括诊疗费）

One each policy year, 100%每个保单年度全额赔付一次就诊费用

Spectacle lenses眼镜镜片费用

80%

Contact lenses隐形眼镜费用

80%

Spectacle frames眼镜架费用

Each alternate year providing you continue your coverage. 80% up to在续保条件下每两年赔付一次。赔付80%的费用，最高赔付额为

255

22

What is covered? There’s no annual limit on Worldwide Evacuation.

It covers you for the transfer of minor children, so

that they can be taken to a place where a guardian

or relative can care for them until their parent has

recuperated. You are also covered for compassionate

visits, enabling a relative to visit you should you

have a sudden accident or illness and are going to

be hospitalised for at least five days or you have

received a short-term prognosis. Your relative will

also receive a cash sum to help cover living costs

during their stay.

保障范围有哪些？全球医疗运送保障不设年度限额。包括未成年子女

的交通费用，这样可以在父母生病的情况下交由监

护人或亲属照顾，直到父母康复为止。如果您发生

意外事故或生病，且需要至少5天的住院治疗，或被

诊断为短期内即将处于临终状态时，该保障支付一

名亲属前来探访的合理旅费。探访亲属将得到现金

补偿其在此期间内的生活费用。

Option 可选保障Worldwide Evacuation

全球医疗运送保障

For when you can’t get the treatment you need in a local hospitalThe Worldwide Evacuation option is ideal if the

treatment you need is not available locally. It covers

you for reasonable transport costs to the nearest

suitable medical centre, ensuring you get the

treatment you need. Repatriation gives you the

added option of returning to your home country

or specified country of nationality, to be treated in

more familiar surroundings.

针对在当地医院您无法获得所需治疗的情况全球医疗运送保障负责您在所需要的治疗无法在附

近获得的情况下，前往最近的适合的医疗中心的合

理交通费，保证您接受所需要的治疗。此外医疗送

返保障您回到祖国或载明的国籍国以便在熟悉的环

境中接受治疗的交通费。

23

What is not covered?We will pay a daily living allowance of up to US$170

for a person accompanying you in the event of

evacuation for up to 10 days only.

We will only transfer children up to the age of 18

who would otherwise be left without a parent

or guardian in the event of an evacuation or

repatriation of a parent.

When transferring mortal remains to your home

country or to your country of residence we will

not pay for burial or cremation, the cost of burial

caskets, etc, or the transport costs for someone to

collect or accompany your mortal remains.

In the case of compassionate visit benefit, we will

pay up to US$170 a day for up to 10 days only. We

do not pay compassionate visit benefit when either

an evacuation or repatriation has taken place.











责任免除有哪些？当您需要医疗运送时，我们支付陪伴您的一位亲属

每日170美元的生活津贴，最多赔付天数为10天。

在家长或监护人接受运送或者运返时，我们仅支付

转运最大18周岁的孩子费用，以防未成年儿童无人

照顾。

遗体运返至祖国或居住所在国时，该保障不支付丧

葬和棺木费用，也不支付亲友认领和陪同遗体的交

通费。

我们将陪伴亲属支付每日170美元的费用。最多赔

付天数为10天。但如果如果医疗运送或医疗运返已

经结束，我们将不再支付。



请拨打电话 +86 21 5852 5959 （从中国境外拨

打），或者021 – 58525959 （从中国境内拨打）




Worldwide Evacuation全球医疗运送保障Benefit保障范围


$ US美元

Medical evacuation医疗运送


Medical repatriation医疗送返


Travel costs for an accompanying person陪同人员的旅费


Travel costs for the transfer of minor children未成年子女转移的交通费


Living allowance生活津贴

For a maximum of 10 days each policy year, each day up to每个保单年度内，每天（最多10天）最多支付

170

Repatriation of mortal remains遗体送返

Maximum benefit of最高给付

11,050

Compassionate visit and return体恤探访并返回

No more than 5 trips in total from the first effective date of the first policy, each policy year up to自首份保单首个生效日起累计探访次数以5次为限，每一保单年度最高赔付额为

1,360

Compassionate visit living allowance体恤探访的生活津贴

For a maximum of 10 days each visit, each day up to每次拜访最多10天，每天最高赔付

170

If you spend most of your time in the USA, then

you’ll need to buy USA Cover on an annual basis.

However, if you spend most of your time outside

the USA, you can choose to add USA Cover to your

plan when you join or renew, enabling you to access

medical treatment in the USA. We cannot cover USA

permanent residents as they must be covered by a

local insurance company.

If you choose to include cover for the USA, we

have special arrangements in place if you need to

be hospitalised while you are there. These include

access to a select network of quality hospitals

and other medical treatment providers with direct

settlement of all covered expenses when you receive

treatment there.

如果您大部分时间居住在美国，那么您可以按年购

买美国保障计划。如果您大部分时间居住在美国以

外的国家，您也可以投保或续保时选择美国保障计

划，该保障计划可以使您在美国接受医疗服务。由

于美国永久居民必须购买当地的保险，因此我们无

法为美国永久居民提供保障服务。

选择美国保障之后，一旦你需要在美国住院治疗，

我们将为您提供特殊安排。可以保证您在高质量的

网络医院或其他医疗机构接受治疗，并且享受直付

服务的便利。

USA Cover 美国保障

24

26

年度免赔额Deductibles

Deductibles are the contributions you make towards the cost of your treatment.You can choose from a range of different

deductibles, allowing you to manage the cost of

your plan. If you choose to have a deductible on

your Worldwide Medical Insurance cover, additional

deductibles will also apply if you opt for Worldwide

Medical Plus or Worldwide Medicines and Equipment

(deductibles don’t apply to Worldwide Wellbeing or

Worldwide Evacuation).

The table below explains the value of the deductible

which applies to each option.

年度免赔额是您医疗费用中自行负担的部分金额。您可以选择不同的免赔额，从而管理您的保费支

出。一旦您选择全球医疗保险计划时选择了免赔

额，那么您在选择全球医疗扩展保障、全球药物和

设备保障时，也会产生免赔额。（但是免赔额不适

用于全球健康福利保障或者全球医疗运送保障）。

了解任意保障的免赔额设定，请参见下表。

Worldwide Medical Insurance全球医疗保险保障

Worldwide Medical Plus

全球医疗扩展保障

Worldwide Medicines and Equipment全球药物和设备保障

$ US美元

$ US美元

$ US美元

425

170 80

850

1,700

3,400

8,500










请拨打电话 +86 21 5852 5959 （从中国境外拨

打），或者021 – 58525959 （从中国境内拨打）




免赔额的功能？免赔额是我们开始赔付治疗费用之前，您自行负担

的被保险费用的部分金额。

免赔额分别适用于任意保障范围内的治疗。例如，

如果你选择了免赔额为425美元的全球医疗保险保

障和全球医疗扩展保障，则任意保障的适用免赔额

计算如下：

How do deductibles work?A deductible is the amount you must pay towards

covered expenses before we will start paying for

your treatment.

Deductibles apply separately for treatment you

have under each of the options. For example, if

you chose Worldwide Medical Insurance with a

US$425 deductible and Worldwide Medical Plus, the

deductible for each would be applied as follows.

一旦费用达到了免赔额，我们将按照您的保障限额

进行赔付。

Once your deductible has been reached, all covered

expenses will be paid in line with your benefit limits.

Example 1 示例 1

You have treatment in hospital for a broken leg, cost 腿部骨折接受住院治疗 US$1,000

Deductible applied适用的免赔额 US$425

from Worldwide Medical Insurance (as this covers hospital treatments)

适用于全球医疗保险保障（因为该保障涵盖住院治疗）

Amount paid by us 我们所支付的金额 US$575

Example 2 示例 2

You have physiotherapy for your broken leg (usually paid from your worldwide Medical Plus option), cost

腿部骨折，接受理疗费用（通常由全球医疗扩展保障选项支付）US$360

Deductible applied适用的免赔额 US$170

from Worldwide Medical Plus 由全球医疗扩展计划支付

Amount paid by us 我们所支付的金额 US$130

27

What is not covered?There are specific limitations on our core cover and

for each of the options. Please refer to the notes

following each benefit table in the membership

guide for full details.

If you have not bought Worldwide Medical Plus,

Worldwide Medicines and Equipment, Worldwide

Wellbeing or Worldwide Evacuation we do not pay

for any of the treatments or benefits included under

those options.

There are general exclusions which apply for all

options. Some of these are explained here.

We do not pay for:• treatment of addictive conditions and disorders,

including misuse or abuse of substances or alcohol

•developmental problems, including learning

difficulties and behavioural and physical

development problems

•the purchase of donor organs

•foetal surgery undertaken in the womb

before birth

•infertility treatment

•sleep disorders

•temporomandibular joint (TMJ) disorders

•pre-existing conditions, ie any condition

that you have when you join, or which you have

suffered from in the past and which may recur

•any special conditions listed on your membership

certificate

•health hydros/nature cure clinics

•elective cosmetic surgery/treatment

•treatment in the USA, unless you have

specifically purchased USA Cover

责任免除有哪些？我们的核心保障和每个保障都有一些特别的限制。

了解关于责任免除的详细情况，请参见会员手册和

每个保障利益表格下方的注释。

如果您未购买全球医疗扩展保障、全球药物和设备

保障、全球健康福利保障或全球医疗运送保障，

我们无法支付相应保障所涵盖的治疗费用和保障利

益。

通用责任免除适用所有保障。以下列明部分责任免

除。

我们不支付：•成瘾症和障碍治疗，包括滥用药物或酒精

•发育性问题，包括学习困难、行为问题和身体发

育问题

•购买捐赠器官

•胎儿在出生前在子宫内进行的手术

•不孕症治疗

•睡眠障碍

•颞下颌关节（TMJ）疾病

•既往症，即在投保时患有的疾病，或者您之前患

有的、有可能复发的疾病。

•在您保险卡上注明的特殊疾病

•健康水疗院 /天然疗法诊所

•选择性的整容手术/ 治疗

•在美国接受的治疗（除非您已购买了美国保障）

General exclusions

通用责任免除

2828

下一步怎么做？

如果您想了解更多有关全球个人医疗保险计划的相

关信息，了解各种保障如何满足您的个人需求，或

者查询个人保险报价，请与我们销售团队或者您当

地经销商取得联系。他们将耐心地了解您的具体要

求，帮助您建立适合的个人保险计划。

电话中国境外拨打：+86 21 5852 5959

中国境内拨打：021-58525959


传真

中国境外拨打：+86 21 58520222

中国境内拨打：021-58520222

电子邮件[email protected]

网站www.alltrust.com.cn

永诚财产保险股份有限公司健康意外险部

永诚保险公司

上海分公司

华辰金融大厦9楼

浦东大道900号

浦东区

上海市

中国

邮政编码： 200135

What to do next?

If you’d like to find out more about Worldwide Health Options and how they can be tailored to meet your individual needs, or would like a personal quote, speak to a member of our specially trained sales team or your local distributor. They’ll take time to fully understand your requirements and help you to build the right plan for you.

Phone

From outside China, dial: +86 21 5852 5959

From inside China, dial: 021-58525959

between 8:30am and 5pm (GMT+8)

Monday to Friday

Fax

From outside China, dial: +86 21 5835 6543

From inside China, dial: 021-5835 6543

Email

[email protected]

Web

www.alltrust.com.cn

AddressA&H Department

Alltrust Insurance Company Ltd

Shanghai Branch

9/F HuaChen Finance Plaza

No 900 Pudong Avenue

Pudong

Shanghai

China

Postcode: 200135

2929

CHN-BWHO-J41-10v04.1 China BWHO Sales Bro

Your International membership offers you

Global medical plans for individuals and groupsAssistance, repatriation and evacuation cover

24-hour multi-lingual helpline

Call us: General services +44 (0) 1273 323 563

Medical related enquiries: +44 (0) 1273 333 911

Your calls may be recorded and may be monitored

bupa-intl.com

Alltrust Insurance Co Ltd

A&H Department, Alltrust Insurance Company Ltd, 2F Huaneng Union Tower, No. 958 Lujiazui Circle Road,

Pudong, Shanghai, China, Post: 200120

www.alltrust.com.cn

BUPA Sales Brochure（个人）

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