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Bupa Global Hong Kong

Since starting in the UK in 1947 with just 38,000 members BUPA has developed into an internationally respected brand. Bupa Global was established in 1971 as the international health insurance division of Bupa.

Bupa Global now has offices in London and Brighton (UK), Miami (USA), Copenhagen (Denmark), Dubai (UAE, in partnership with OIC), and Hong Kong (China) as well as regional offices in mainland China, Singapore, Egypt, Mexico, the Dominican Republic, Bolivia, Brazil, Panama, Guatemala and Ecuador.

Of the previous BUPA International and (International Health Insurance danmark a/s (IHI) branded products, only the International Health and Hospital plan (IHHP) continues to be marketed in Hong Kong. (IHI was bought by BUPA in 2005 and ceased to exist as a brand on 1 January 2015).

In January 2015 BUPA announced it was stopping sale of all the IHI products from 1/4/2015.

BUPA Global's MembersWorld enables you to:

  • manage details of your plan
  • get prior approval for your treatment
  • submit and track claims*
  • apply for a free second medical opinion
  • access our 24-hour live webchat service

COVID 19 UPDATE

Bupa Global will pay claims relating to the diagnosis and treatment for any member diagnosed of suspected of suffering from the coronavirus (including all treatment costs of hospitalisation and medicines). This will apply for the entire duration of the COVID-19 emergency, notwithstanding any epidemic or pandemic exclusion in the policy terms and conditions.

For Travel policies

As of 1 September 2020, Bupa Global Travel has decided to offer COVID-19 medical coverage to its Travel insurance customers regardless of the epidemic exclusion in the policy conditions

This applies to:

  • Annual Multi-Trip

  • Single Trip Travel Insurance

  • Business Travel Insurance

  • Schengen Travel Insurance

Bupa will cover:

  • medical expenses

  • medical evacuation and medical repatriation

Related to COVID-19 diagnosis on an ex gratia basis.

Expenses covered will be

  • the cost of COVID-19 testing (excluding antibody testing) where this is prescribed by a medical professional as well as

  • costs related to treatment, medication or hospitalisation resulting from having contracted COVID-19 provided such procedures have been prescribed by a medical professional.

Exceptions to cover will be

  • testing for visa purposes.

  • testing to comply with mandatory or recommended testing prior to travelling, upon arrival or during the trip unless you exhibit COVID-19 symptoms and such testing has been prescribed by a medical professional.

  • testing as part of mandatory or recommended quarantine unless you exhibit COVID-19 symptoms and such testing is prescribed by a medical professional.

NOTE: Medical evacuation and medical repatriation of COVID-19 patients must be conducted in full compliance with standard policy conditions, including the requirement for Bupa Global Travel’s medical consultant to agree on the necessity of transferring the patient. Please also note that medical evacuation of a COVID-19 patient may be subject to local restrictions.

2021 Breaking News - BUPA to cover side effects of Covid vaccination: See below.

Until it was superseded by the new BUPA 'Ultimate' on 1-10-2015, the 'Superior' represented the best money could buy in international health care.

Superior Documents

European Economic Area (EEA).

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Non EAA

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The International Swiss Medical (ISM) was a comprehensive healthcare plan with hospital cover providing USD2m in benefits per person pa and Outpatient bills capped at USD40,000 per person pa, reimbursed @90%. This hospital and outpatient cover is called the 'Complete' plan. Sale of this product has been stopped in Hong Kong (31/10/2015) , but is still being renewed for those who had the cover.

ISM Documents

European Economic Area (EEA).

No documents found

Non EAA

No documents found

The IHHP was the most popular IHI danmark plan in Hong Kong and the only one to now still be marketed in the region.

It's popularity was due in part for the reason that allowed 2 children per adult (a total of 4 altogether) to be insured FREE of CHARGE) up until the age of 10.

It is seen more as a wealth preservation policy, concentrating on cover for (bigger) hospital bills, especially. For people in Hong Kong claiming on the IHHP out patient cover will often mean being reimbursed no more than 1/3 of the bill.

See 'Today's BUPA Global Plans' tab for more information.

IHHP Documents

European Economic Area (EEA).

No documents found

Non EAA

No documents found

The Worldwide Health Insurance plan predates the Superior, ISM and IHHP. Originally it was denominated only in Danish Kroner. Sale was stopped in HK on 1-10-2015.

It offers 5 levels of cover and an annual cap of

  • USD450,000 pa per person for the most basic hospital Option E, and
  • USD900,000 pa per person for the 'Ultimate' Option A plan which covers 100% hospital and 80% outpatient benefits.

An early attraction of this plan was that children under the age of 16 were covered free!

Like the ISM, maternity is coverable @100%.

Outpatient, pre and postnatal pregnancy consultations are, like other outpatient costs, reimbursed 80% (rather than 90% of the ISM).

Worldwide Documents

European Economic Area (EEA).

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Non EAA

No documents found

First Choice was IHI danmark's bid to create a group product for small and medium sized companies..-. sale of this product were stopped from 1-10-2015.

European Economic Area (EEA).

Missing

Non EAA

Missing

BUPA International was the former international division of BUPA, based in Brighton, UK. The initial individual plan was called 'Lifeline', which was subsequently followed by a product called 'Worldwide Health Options'.

For the corporate market BUPA provided a plan called the 'Company' plan.

Lifeline Documents

Gold

Classic

Essential

Missing

Worldwide Health Options

Company Documents

Missing

BUPA Global has a new suite of products now on the market, as summarized below:

BUPA's Major Medical plan is a 'hospital only' product designed to take care of hospital associated treatments.

There is cover provided before you go to hospital and again when you need some follow up following hospitalization.

Cover is provided to USD3,000,000 pa and there are options for a USD4,000 and USD10,000 deductible.

Major Medical Documents

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If you want worldwide cover, excluding the USA, for everyday health expenses and serious conditions, Bupa' Global's 'SELECT' includes cover for:

  • major illnesses and conditions, including cancer and emergency carer,
  • Medical evacuation covered
  • Day-to-day care covered up to HK $97,500 per year,
  • Health screening included after 10 months,
  • You cover the first HK $11,700 of costs each year before we start paying for treatment

Select Documents

No documents found

This is the BUPA Global plan you may choose if you want extensive worldwide cover, excluding the USA .

Coverage includes includes major illnesses and conditions, including:

  • Cover cancer and emergency care
  • Medical evacuation,
  • Day-to-day care covered up to HK $195,000 per year,
  • Health screening included after 10 months,
  • 50% of accident-related dental treatment covered immediately and a proportion of routine dental covered after 6 months, up to the annual limit,
  • 50% of optical cover included, up to the annual limit

Premier Documents

No documents found

Elite

BUPA Global's Elite, offers up to HKD 78,000,000 in world wide cover for individuals and families

Annual maximum : HKD78,000,000

Coverage: Worldwide

This product is a collaboration between two of the most respected names in global healthcare, Bupa Global and Blue Shield Global.

Cover includes major illnesses and conditions, including:

  • cancer and emergency care,
  • Medical evacuation,
  • Day-to-day care covered up to HK $585,000 per year,
  • Health screening included after 10 months,
  • Accident-related dental treatment covered immediately, and routine dental covered after 6 months, up to the annual limit,
  • Optical cover included, up to the annual limit,
  • Maternity and childbirth covered after first 10 months,
  • 2 children under 10 per paying parent included at no extra cost, subject to underwriting

For further details on what is and what is not covered, please the the exclusions mentioned in the brochure below.

Elite Documents

No documents found

Premium health insurance - Bupas's Ultimate

This is BUPA's highest level of insurance with:

- no annual limits

- no cap on eligible GP consultations

- genetic cancer screening

This product is a collaboration between two of the most respected names in global healthcare, Bupa Global and Blue Shield Global.

Ultimate Documents

No documents found

The IHHP or 'International Health and Hospital Plan' is the sole surviving IHI danmark plan in Hong Kong.

The product is modular and comes with a compulsory Hospital, component, to which you can add other modules as below:

Module 1 : Non - Hospitalisation Benefits

Module 2 : Medicine and Appliances

Medical 3: Medical Evacuation and Repatriation

Module 4 : Dental and Optical

The IHHP comes with a range of deductible* options ie:

EUR €: Nil, €350, €1,050, €4,000, €8,000, €16,000

GBP £ : Nil, £250, £750, £2,750, £5,500, £11,000

USD $: Nil, $400, $1,600, $5,000, $10,000, $20,000

The deductible is the contribution you make towards the cost of your treatment each policy year before receiving any reimbursement. This means that the total cost of the claims you submit must exceed your chosen deductible amount before BUPA is able to make any reimbursement payments to you. Every year when you renew your policy a new deductible will be applied. The deductible applies separately for each person on your insurance policy.

If you have an insurance policy with another health insurer (eg a local plan) you can send us copies of any bills covered by the other insurer and the corresponding reimbursement statements/explanation of benefits. Bupa can then count these towards your deductible, providing the benefits would have been covered under your Bupa Global insurance plan.

We are often asked by clients as they age, and may look to reduce costs by bearing a higher deductible, what is the difference between the International Swiss Medical and the International Health and Hospital plan. Below is our summary.

Question on Dyslexia?

For existing BUPA IHHP or ISM members, BUPA do not have an exclusion for dyslexia unless, it is a pre-existing condition or falls under our ‘Exceptions to cover’.

For NEW applicants to IHHP, BUPA will review all conditions prior to accepting the application and will likely apply a loading, exclusion or even decline, depending on the severity.

ISM. vs IHHP comparison

Document missing

NOTE:

1. If you have an IHHP policy, you are entitled to a 10% discount if you buy our Single Trip or Annual Travel

2.. The price rises on IHHP Bupa have been less than 10% pa over recent years, ie :

IHHP Documents

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Bupa's company group is a purpose built group plan that bears a lot in common with the former lifeline individual product.

The plan offers medical history disregarded for 10 staff.

Company plan documents

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BUPA GLOBAL GROUP PORTABILITY RULES

If a staff who is covered by BUPA Global has been a group member for 3 years, then he/she willl have the option to transfer to the:

  • International Health and Hospital Plan ( IHHP)
  • Elite, Major Medical, Ultimate

In the process, the staff will be asked:

  1. Any foreseeable need for treatment in USA, if yes, please provide details?
  2. For female, is the member current pregnant?

Such questions are NOT asked if transferring to BUPA Global's Select or Premier, no additional underwriting is required.

Note:

  1. Member needs to fulfil 3 year in the group cover for the above rules apply.
  2. A continual cover is required.
  3. Full medical underwriting applied if member is less than 3 years membership in SME plan and/or only dependants to move to individual plan without the main applicant (main employee).

Bupa Global offers a specialist health insurance plan for companies which work in the maritime yachting industry.

These are some of the benefits of the Bupa Global maritime yachting plan:

  • worldwide out-patient consultation and treatment cover
  • in-patient treatment cover
  • 24-hour multi-lingual medical helpline
  • optional evacuation and USA cover

Track your claims*, update your details and view your policy documents via our MembersWorld website

Expat Crew Documents

Missing

For each of the products indicated below, BUPA issues new rates from January 1st each year

Bupa Global

As Bupa Global's travel division is not based in Hong Kong, but is marketed via the Danish branch of its Irish affiliate you will need to complete a government mandated 'Notice to Client' form, recognising your legal recourse is not in Hong Kong.

For more information, see the 'Travel' tab under 'BUPA' where you can read more about the cover provided (including cover for Covid 19) and exclusions.

World Wide Travel Options

If you reside in the United Kingdom, Jersey, Guernsey, Falkland Islands, Isle of Man or Gibraltar:

No documents found

If you reside in Mexico:

No documents found

If you reside anywhere outside of the countries listed above.. such as Hong Kong:

No documents found

Business Travel

No documents found

Bupa provides a line-up of comprehensive medical insurance schemes to suit your needs. Our plans include hospital benefit, clinical benefit, hospital cash benefit, maternity cover, dental benefit and critical illness insurance. Find the best health insurance plan for you

All you need to know about VHIS

The Food and Health Bureau (FHB) launched the Voluntary Health Insurance Scheme (VHIS) in April 2019. The goal of the scheme is to create minimum standards for certified individual medical insurance plans, giving consumers greater transparency.

With these changes, the government hopes to encourage more people to purchase medical insurance and use private medical facilities. This will help to relieve pressure on public healthcare services. And consumers will have more choices for medical insurance.

As a medical insurance expert in Hong Kong, Bupa has registered as a VHIS provider with the FHB. The effective date of Bupa's registration is 28 February 2019 and our registration number is 00020.

VHIS is new to the market. You might find it difficult to understand, but we're here to help. You can learn more about the different aspects of VHIS at the links below.

Taking care of your physical and mental health

This VHIS flexi plan offers generous cover anywhere in Asia, Australia and New Zealand (see Remark 1). With full cover for eligible expenses up to HK$30 million per year and no lifetime benefit limit, it provides you with extraordinary cover that goes above and beyond (see Remark 2).

This plan provides enhanced benefits, medical check-up benefit, cashless treatment, optional benefits and more in addition to the basic benefits of the VHIS Standard Plan. To learn more, download our comparison of this plan and the MyBasic VHIS Plan (the Standard Plan)(PDF, 0.7 MB).

Product Features

Full cover for medical expenses

Expenses such as surgeon fees, intensive care, prescribed diagnostic imaging tests and prescribed non-surgical cancer treatments are covered in full up to your annual benefit limit (HK$25 million for Advance Plan and HK$30 million for Deluxe Plan) for treatments in Asia, Australia and New Zealand (see Remarks 1, 2).

Generous Protection for Cancer Treatment

With full cover for prescribed non-surgical cancer treatments, you don’t need to worry about medical bills adding up if you’re diagnosed with cancer. Treatments such as chemotherapy, radiotherapy (including but not limited to proton therapy), targeted therapy, immunotherapy and more are fully covered up to your annual benefit limit so you can focus on recovery.

Mental health support

This plan is the first VHIS plan in Hong Kong to prioritise mental health, including full cover for inpatient psychiatric treatments across Asia, Australia and New Zealand, as well as a free 24-hour Mental Health Service Hotline which offers personalised emotional support and face-to-face counselling services (see Remarks 1, 3).

More affordable healthcare with deductible options

Choose from four deductible options to lower your premium: HK$0, HK$12,000, HK$40,000, HK$80,000. A deductible is the amount of eligible expenses that you must pay each year. Bupa will cover the remaining amount up to the benefit limit.

You can choose to lower or remove your deductible within 30 days before the renewal date without re-underwriting once at age 50, 55, 60, 65, 70, 75, 80 or 85. This provides more flexibility for budget planning after retirement.

Pre- and Post-confinement/Day Case Procedure Outpatient Care

Full cover for all related outpatient expenses within 30 days before or 90 days after confinement or day case procedure.

Outpatient Surgery in Hospitals and Clinics

With no minimum length of stay, surgeries performed in a clinic or day case unit of a hospital are also covered.

Hero VHIS Documents

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Flexible health coverage to meet your needs

This flexi plan offers a wide range of versatile options to help you better protect your health and wellbeing. You can also boost your core coverage by adding Push the Limit Benefit. This plan provides enhanced features in addition to the benefits of the VHIS Standard Plan. To learn more, download our comparison of this plan and the MyBasic VHIS Plan (the Standard Plan)(PDF, 0.7 MB).

Optional enhanced benefit: Push the Limit

You can add Push the Limit to enhance your coverage under this plan. Push the Limit offers both Full Cover Benefit and Supplementary Major Medical Benefit which cover eligible expenses in Hong Kong. It also features a cashless treatment option – just use your Bupa medical card for hospitalisation and other medical services at designated service providers, and you won’t need to submit any claims.

Full Cover Benefit

Coverage of up to HK$1,040,000 per policy year to fully reimburse eligible expenses at 9 Bupa MyFlexi appointed hospitals, Bupa HealthPlus appointed specialist's clinics and service providers (see Remarks 1, 2, 3, 4).

Supplementary Major Medical Benefit

After you've exceeded the item limits in your basic benefits or Full Cover Benefit, the excess will still be covered up to the Supplementary Major Medical Benefit limit, subject to 20% coinsurance (see Remark 1). This will significantly reduce your out-of-pocket expenses.

Cashless Treatment

There's no need to pay any deposit, hospital bills or file a claim if you use your Bupa medical card at Bupa HealthPlus appointed specialists and service providers, which include hospitals, physiotherapists, diagnostic centres and so on (see Remarks 3, 5).

MyFlexi VHIS Documents

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Basic protection for your health and wellbeing

This medical insurance offers access to quality healthcare in Hong Kong and worldwide. You can rest easy knowing that you're covered in case of an unexpected illness or medical condition.

Want even better cover? Choose Bupa's MyFlexi VHIS Plan, providing enhanced coverage to meet your needs. Take a look at our comparison(PDF, 0.71 MB)of the MyBasic VHIS Plan (this Plan) and the MyFlexi VHIS Plan.

Product features

Cover for your Basic Medical Needs

This VHIS Standard Plan covers necessary medical expenses up to HK$420,000 every year without any lifetime benefit limit (see Remark 1).

Prescribed Diagnostic Imaging Tests

Up to HK$20,000 per policy year towards prescribed diagnostic imaging tests such as MRI and CT scans (see Remark 2).

Prescribed Non-Surgical Cancer Treatments

Up to HK$80,000 in prescribed cancer treatments including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

Psychiatric Treatments

Up to HK$30,000 per policy year to cover psychiatric treatments during hospitalisation in Hong Kong as recommended by a specialist.

Enhanced Cover Including Unknown Pre-existing Conditions

Your policy can cover unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8, subject to a waiting period (see Remark 3). You can also choose cover for pre-existing conditions, subject to underwriting and an additional premium.

MyBasic VHIS Documents

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Exclusive cover for esteemed customers of Hang Seng Bank Limited

Global Prestige VHIS Plan is a Voluntary Health Insurance Scheme Flexi Plan underwritten by Bupa (Asia) Limited (“Bupa”) and exclusively made for esteemed customers of Hang Seng Bank Limited (“Hang Seng Bank”). Certified by the Food and Health Bureau of HKSAR Government, this plan provides worldwide medical coverage of up to HKD30 million per year with 4 deductible options.

Global Prestige VHIS Documents

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Quality healthcare cover for the price-conscious

This affordable choice of medical insurance gives you the essential medical cover you need, plus the option of adding Full Cover Benefit to your comprehensive cover even more comprehensive.

Full Cover Benefit

You can avoid paying shortfall by getting 100% reimbursement of your hospital expenses as long as the hospital fees fall within the annual benefit limit. The annual limit ranges from HK$234,800 to HK$837,000.

Cashless Treatment

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at designated private hospitals in Hong Kong:

  • Canossa Hospital
  • Evangel Hospital
  • Gleneagles Hong Kong Hospital
  • HK Adventist Hospital - Stubbs Road
  • HK Adventist Hospital - Tsuen Wan
  • HK Baptist Hospital
  • HK Sanatorium & Hospital
  • Matilda International Hospital
  • Precious Blood Hospital (Caritas)
  • St Paul’s Hospital
  • St Teresa’s Hospital
  • Union Hospital

Extra Cancer Treatment Benefit

We offer additional cancer coverage of up to HK$153,000 per year to support treatments such as chemotherapy, radiotherapy and targeted therapy. What’s more, this cover will be reinstated each year for the rest of your life, giving you lifelong protection. If you choose Full Cover Benefit, all eligible cancer treatment expenses will be fully reimbursed.

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.

Bupa CarePro Documents

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Cover your children in a world of benefits

The future lies in the hands of our children. Let us help you protect them with comprehensive medical coverage at an affordable rate.

Full Cover

You can avoid paying shortfall by getting 100% reimbursement of your child’s hospital expenses as long as the hospital fees fall within the annual benefit limit. The annual limit ranges from HK$234,800 to HK$837,000.

Cashless Treatment

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at designated private hospitals in Hong Kong:

  • Canossa Hospital
  • Evangel Hospital
  • Gleneagles Hong Kong Hospital
  • HK Adventist Hospital - Stubbs Road
  • HK Adventist Hospital - Tsuen Wan
  • HK Baptist Hospital
  • HK Sanatorium & Hospital
  • Matilda International Hospital
  • Precious Blood Hospital (Caritas)
  • St Paul’s Hospital
  • St Teresa’s Hospital
  • Union Hospital

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your child's mental wellbeing.

Higher Surgical Benefits

Enjoy higher cover if your child needs more than one operation because Bupa pays out surgical benefit on a per-operation basis rather than per disability. You can claim up to the maximum benefit limit for each operation.

Bupa Care Kid Documents

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Multiplied cover to protect you and your family

This medical insurance provides comprehensive and flexible cover to take care of you and your family’s medical insurance needs. Your whole family can share a generous combined annual benefit pool of up to HK$1 million with Full Cover Benefit. What’s more, you can enjoy up to 15% lifelong subscription discounts and free wellness services tailored to your needs.

HK$1 million Family Benefit Pool

Your whole family can share up to HK$1 million annual benefit pool. You have the flexibility to use the benefit for family members who need a higher medical coverage, giving you peace of mind.

Full Cover Benefit

You can avoid paying shortfall by getting 100% reimbursement of hospital expenses as long as the hospital fees fall within the annual benefit limit.

Cashless Treatment

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at designated private hospitals in Hong Kong:

  • Canossa Hospital
  • Evangel Hospital
  • Gleneagles Hong Kong Hospital
  • HK Adventist Hospital - Stubbs Road
  • HK Adventist Hospital - Tsuen Wan
  • HK Baptist Hospital
  • HK Sanatorium & Hospital
  • Matilda International Hospital
  • Precious Blood Hospital (Caritas)
  • St Paul’s Hospital
  • St Teresa’s Hospital
  • Union Hospital

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.

Guaranteed Lifetime Renewal

Bupa guarantees that your cover is renewable for life, regardless of any changes in your health condition after becoming our member.

Double Benefit for Common Serious Illnesses

We are here to support you in times of need if you are diagnosed with serious illnesses. We offer double the benefit limits for hospital expenses under Standard Benefit for no extra charge.

Bupa Together Documents

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Enhanced medical insurance at semi-private level

Up to HK$3 million benefit per year to cover hospital expenses in a semi-private room and follow-up out-patient consultations after surgery or cancer treatment. With additional subscription, this medical insurance scheme can also cover some pre-existing medical condition.

Instant Phone Application and Approval

Enrolment is easy. Simply give us a call for instant assessment and approval for your application. No medical examination is required.

Full Cover Benefit

Up to HK$3 million per year to fully reimburse a wide range of hospital expenses at semi-private room level worldwide. There is no benefit limit for most items. We want to minimise your worries on unexpected out-of-pocket expenses.

Cancer Treatment and Kidney Dialysis Benefit

You can claim up to HK$695,000 per year for cancer treatment and kidney dialysis expenses, making it easier for you to afford more costly and advanced treatment options. What’s more, this cover will be reinstated each year for the rest of your life, giving you lifelong protection.

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.

Cover for Post-Surgery Follow-Up Treatment

Full cover for the cost of follow-up medical examinations and physiotherapy. We also reimburse a full range of out-patient care such as follow-up visits and dietitian consultations to name just a few.

Bupa HealthPlus Documents

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Covers your hospital and clinical expenses

Bupa Care HealthNet medical insurance scheme combines hospital and clinical benefits in a single plan. We also offer free dental services and annual health assessment to members.

Full Cover for Clinical Expenses

Just use the Bupa medical card and we’ll pay all of your eligible clinical expenses. The medical card is welcomed by 2,190 network doctors and medical service providers across Hong Kong and Macau. This covers treatments by general practitioners, specialists, physiotherapist, diagnostic imaging, and laboratory tests.

Cashless Treatment

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at a network clinic.

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.

Higher Surgical Benefits

Enjoy higher cover if you need more than one operation because Bupa pays out surgical benefit on a per-operation basis rather than per disability. You can claim up to the maximum benefit limit for each operation.

Guaranteed Lifetime Renewal

Bupa guarantees that your cover is renewable for life, regardless of any changes in your health condition after becoming our member.

Bupa Care HealthNet Documents

No documents found

Superior care is within your reach

Bupa Crystal medical insurance scheme covers hospital expenses at private room level of up to HK$1.85 million per year. This scheme provides Full Cover Benefit for hospital and clinical expenses and free body checks. It is suitable for individuals and companies that wish to provide superior medical protection for senior executives as a group medical insurance.

Full Cover for Hospital and Clinical Expenses

Full cover for treatment received at any network clinic or hospital, including Canossa Hospital, Gleneagles Hong Kong Hospital, Hong Kong Sanatorium and Hospital, St. Teresa's Hospital and Union Hospital.

Cashless Treatment

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at any network hospital or network clinic.

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.

Guaranteed Lifetime Renewal

Bupa guarantees that your cover is renewable for life, regardless of any changes in your health condition after becoming our member

No Claims-based Charges

We won't raise your premium based on how many claims you’ve made. Your subscription will be based on your age only, no matter how much you claim on conditions that arise after your membership starts.

Free Body Check

Bupa cares for your health and wellness. If you opt for Clinical Benefit, you'll enjoy Free Bupa Lifelong Preventive Programme every year starting from your second year of membership. This includes a range of wellness service options from vaccinations to cancer screenings.

Bupa Crystal Documents

No documents found

Protecting you with the best care

Bupa Gold medical insurance scheme covers hospital expenses at private room level up to HK$5.4 million. This medical insurance scheme gives you the best level of healthcare at any time and any place. It is suitable for individuals as well as companies that wish to provide the best protection for senior executives as a group medical insurance.

Full Cover Benefit

We fully cover your hospital expenses up to HK$5.4 million per year which includes room and board charges, miscellaneous hospital services expenses, consultation fees of western physicians, physiotherapists and chiropractors. The amount of this annual cover will be restored in the next contract year if it is used up.

Cashless Treatment

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at designated private hospitals in Hong Kong or network clinic.

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.

Guaranteed Lifetime Renewal

Bupa guarantees that your cover is renewable for life. Your subscription will be based on your age, regardless of claims made on conditions arise after your membership begins.

Higher Surgical Benefit

Enjoy higher cover if you need more than one operation because Bupa pays out surgical benefit on a per operation basis rather than per disability. You can claim up to the maximum benefit limit for each operation.

No Claims-based Charges

We won't raise your premium based on how many claims you’ve made. Your subscription will be based on your age only, no matter how much you claim on conditions that arise after your membership starts.

Bupa Gold Documents

No documents found

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