Bupa Empower SME

1. What's the difference between Starter tier and Flyer tier plan options?
Starter tier is designed for start-ups and general staff, offering basic benefits at affordable rates. There're 3 core benefits to choose from – Hospital and Surgical Benefit, Out-patient Procedure Benefit and Clinical Benefit. The Flyer tier is designed for SMEs and middle management or above, providing plan options with higher coverage and flexibility. There're 2 core benefit options – Hospital and Surgical Benefit and Clinical Benefit. Both Starter tier and Flyer tier offer 4 optional benefits to meet your employees' needs: Supplementary Major Medical Benefit, Special Hospital Cash Benefit, Maternity Benefit and Dental Benefit.

2. Can I enrol in different benefit combinations for employees of different grades? Can I upgrade their benefits when my company expands in the future?
Yes, you can choose different benefit combinations for employees at different grades. For example, you can enrol in Flyer tier's Hospital and Surgical Benefit Plan A1 and Clinical Benefit Plan C1 for middle management or above, and Starter tier's Out-patient Procedure Benefit Plan B1 for general staff. However, all employees of the same grade must be enrolled in the same benefit combination. A minimum number of employees applies for specific benefits and plans. Please refer to the Schedule of Benefits for details.

When your company expands, you can contact Bupa to upgrade your plan upon renewal. For example, you can upgrade middle management's Clinical Benefit Plan C1 to the "upgrade option" which has no deductible and 100% reimbursement under Non-HealthNet Benefit, or even add the optional Supplementary Major Medical Benefit.

3. What is the Out-patient Procedure Benefit?
The Out-patient Procedure Benefit is an option exclusive to Starter tier. This benefit is payable for covered surgical procedures performed at a QualityNet Service Provider's clinic or day case centre, subject to the applicable overall annual limit as stated in the Schedule of Benefits. The covered surgical procedures include 4 specialities such as dermatology, gastroenterology, otorhinolaryngology and ophthalmology, as well as 8 common types of procedures including endoscopy, cataract surgery, haemorrhoidectomy and more. Please refer to the contract and the Schedule of Benefits on Bupa's customer service portal myBupa for the detailed list of covered surgical procedures.

4. Can I enrol in Clinical Benefit only for my employees?
Yes, you can enrol in just one or a combination of the core benefit(s) available under this plan, including Hospital and Surgical Benefit/Out-patient Procedure Benefit (applicable to Starter tier only) and Clinical Benefit.

5. What is an "upgrade option"?
All core benefits under this plan provide upgrade options that expand the coverage to better suit your employees' needs. For example, you can upgrade the reimbursement percentage of Non-HealthNet Benefit from 80% to 100%, increase the maximum number of visits under Clinical Benefit in aggregate from 30 or 40 to unlimited (also subject to sub-limits on the number of visits for each benefit item) and so on.

6. Will my employees' claims affect the renewal subscription of my company's Bupa Empower scheme?
No, any claims that your employees make won't affect the subscription at renewal. Factors affecting subscription rates each year include medical inflation, general operating expenses and revision of benefits to cover increasing medical expenses.

7. What is the maximum cover age for this scheme?
For employees and their spouses, they are covered up to age 69. Unmarried children of employees are covered up to age 18, or up to age 23 if the unmarried child is a full-time student (with valid proof upon request).

Company size	2 – 50 employees
Employees	All full-time employees aged under 65 (renewal up to age 69)
Employees' dependants	Spouse aged under 65 (renewal up to age 69) Unmarried children aged between 15 days and 17 years, or under 23 years for full-time students (with valid proof upon request)

Bupa has set up a series of treatment programmes for members focusing on different specialities, providing personalised care and guidance through network providers and a health coaching team. Through these programmes, you can enjoy the following benefits:

• Multiple specialties to meet different medical needs
• Experienced health professionals to guide you from consultation through treatment and follow-up
• Quality assured network clinics and facilities
• Cashless service with eligible medical card

Bupa's one-stop specialist treatment programmes include:

Bupa DAY series

• Eye day surgeries
• Day-case gynaecological procedures

Bupa WAY series

• Clinical treatments for musculoskeletal pain
• Guidance and treatments to support breast health

For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.