Introduce you to Bupa-Rolls Royce in high-end medical care.

To understand Rolls-Royce in Bupa's high-end medical care, we must first understand "what kind of company Bupa is" and what kind of protection Bupa can provide.

1. What kind of company is Bupa?

1947 Britain was devastated after World War II, and the medical needs were particularly urgent. 17 welfare institutions join forces to provide customers with high-quality private health insurance services. British United Airlines

The British Mutual Aid Association was established, which is what we are talking about today.

Bupa is a mutual aid organization without shareholders, and it will use all the profits from its operation to provide richer and better medical care services for present and future customers. After more than 70 years, Bupa has developed all over the world. According to the local social situation and medical development needs, a business development model suitable for the local area was established.

Today, Bupa has developed into the only comprehensive health care group in the world, with more than 350 health care centers, operating 65,438+07 medical treatments, more than 565,438+00 nursing centers, more than 900 dental clinics, more than 654.38+03.8 million service organizations in the medical network, and more than 65,438+0.90 in the world.

Bupa China Representative Office was established on August 8, 2006 with the Chinese name "Bupa". Due to the domestic insurance industry policy, Bupa has no insurance license in China for the time being.

On 20 1 1 year, Bupa entered into a strategic cooperative relationship with yongcheng Insurance. Yongcheng Insurance, as the insurer, provides customers with comprehensive insurance plans and guarantees, while Bupa, as the manager, provides customers with quality medical services. 2065438+September 2005, the Global Medical Plan, which was underwritten by yongcheng Insurance and managed by Bupa Global, was successfully released.

2. What kind of protection can Bupa provide?

Bupa Global Medical Plan has five insurance plans, namely Hospitalization Excellence Plan, Smart Medical Plan, Excellence Medical Plan, Elite Medical Plan, Zunshang Medical Plan and Bupa Global Medical Plan.

(1) excellent hospitalization plan

This hospitalization-only security plan has begun to include medical responsibility. Although there is only a limit of 2520 yuan, the pure hospitalization plan is rare in the whole high-end market. Bupa is a health insurance company, which encourages customers to use this policy for health management even if they are not sick.

In China, people's awareness of health management is not strong at present, which leads to many cancers being found in the middle and late stages. For example, if lung cancer is found early, the five-year survival rate can reach 70%, and if it is found late, the five-year survival rate is only 20%. Through physical examination, diseases can be found and intervened in time at an early stage, which is a win-win situation for insurance companies and insurance consumers.

Due to the relatively high medical expenses in the United States, this product has a relatively low position in Bupa's product line, so "America" is not covered. However, "the whole world except the United States" can still provide a strong medical resource guarantee for insurance consumers.

When the condition is serious, surgical treatment is on the one hand, and symptomatic drugs are also needed on the other hand. Drugs in Chinese mainland are one generation behind those in developed countries (20 years). In recent years, many people in China will choose to go to Hong Kong for cancer treatment, because Hong Kong is a free trade port, and drugs are completely synchronized with foreign countries.

(2) Choose the medical plan wisely

The annual limit of intelligent medical plan is 9.45 million yuan, slightly lower than the 6.5438+0.26 million yuan of excellent hospitalization plan; The protection area has also become Asia-Pacific, which is the smallest product in all protection plans of Bupa. There is a limit of outpatient responsibility 15 times; At the same time, the outpatient service is limited to 40,950 yuan, and the private medical clinic has a 20% out-of-pocket ratio. Fortunately, there is no such restriction in general outpatient service of public medical service in Chinese mainland.

It can be seen that intelligent map selection is the most basic one and has the responsibility of outpatient service. Discount scheme for family orders: 10% discount for 2 people and 8.5% discount for 3 people and above. In fact, the discount is not as good as the 20% discount in the first quarter. At the same time, if you need to enjoy a 20% discount when you apply for insurance, you need more than one insurance.

(3) superior medical plan

On the basis of the intelligent selection plan, the guarantee responsibility of the preferred plan has been greatly improved: the annual quota has reached 310.5 million yuan, the guarantee area has reached "excluding the United States in the world", the outpatient quota has reached 78,750 yuan, and the number of visits has reached 30 times. Bupa gives you two choices for the proportion of outpatient payment: 0%/20%. From the perspective of rates, the rate of outpatient payment of 20% is about 8% lower than that of zero out-of-pocket payment.

Dentistry and ophthalmology need to pay 50% at their own expense, with a limit of 12600 yuan. The responsibility of ophthalmology here is not the treatment of ophthalmic diseases, but the cost of prescription glasses and contact lenses to correct vision/vision problems (such as myopia or hyperopia).

For weight loss surgery and preventive surgery, it has also entered the scope of protection. Weight loss surgery here does not mean weight loss surgery, such as "stomach reduction surgery" is very helpful for weight loss; Preventive surgery, such as Angelina Jolie's preventive mastectomy a few years ago, is necessary because Julie has a family history of this disease. After genetic testing, Julie's breast cancer incidence rate is as high as 87%.

The preferential policies for the first quarter of the excellent medical plan are: over 40 years old, single insured people enjoy 20% preferential reduction.

(4) elite medical plan

In the elite plan, look back at the previous rate table and find that only the "elite" can really deserve this plan. However, it is still the same sentence: the premium is enough and the medical care is worry-free. The elite medical plan is a global guarantee of 63 million yuan per year, and you can enjoy medical services in any regular hospital in the world. Every parent can insure 10 children for free.

The outpatient service quota is 472,500 yuan, and there are also two self-payment ratios of 0%/20%, with a limit of 60 times. In addition to physical examination, ophthalmology, dentistry and vaccines, there are also maternity benefits: the waiting period is 6 months, and 40% will be paid in 7~ 12 months, and the full amount will be paid after renewal. Responsibility for childbirth: the compensation limit for natural childbirth is 94,500 yuan, and the compensation limit for caesarean section is189,000 yuan.

When the child is born, one of the parents has been insured for ten months, and within 30 days after birth, an application for additional insurance can be submitted, which can be exempted from underwriting. In this case, the cost of treatment of congenital diseases and the cost of living in an incubator for premature delivery belong to the scope of protection responsibility. For families with production plans, this plan will be more suitable.

(5) Zunshang Medical Plan

Looking at the last plan: Zunshang medical plan, it can be said that the main responsibility can be paid in full. The responsibility to protect is almost impeccable.

Features: Rehabilitation treatment can be carried out in the holiday center.

Comprehensive preventive benefits: myopia correction surgery, vaccine, health examination, dentistry, genetic testing.

The most important point: From June, 2002 1,1,Bupa paid more attention to the China market and greatly reduced the premium plan rate. For those over 45 years old, the rate has been reduced by more than 50%, and some age groups are more suitable than the elite plan.

From the point of view of quality and price, Bupa's products are truly luxury goods in high-end medical care. However, different products are aimed at different customer groups. For Bupa consumers, the problem of cost performance is no longer their focus, but quality and service are their primary considerations.