Bupa Health Insurance | Medical Insurance Protection |Lifetime Renewal

Key features

Full cover^1,3 for all eligible hospital expenses up to HK$853,700 yearly²
Full cover^1,3 benefit for eligible cancer treatment and kidney dialysis
Cashless treatment without deposit and claims procedure by using Bupa medical card^8,9
Guaranteed lifelong renewal without extra individual charges regardless of your claims history⁴

What we cover

Hospital and surgical expenses such as wardroom and Board, cancer treatment, Physician and Anaesthetist' s fees, etc
Clinical benefit for Western and Chinese outpatient treatment, Chinese Bonesetter, Physiotherapist, Chiropractor, Psychiatric-related treatments and Psychological Counselling, etc
Up to HK$182,000² hospital cash yearly
Maternity Benefit covers medical expenses related to your pregnancy^5,10
Psychiatric treatment benefit to take care of your mental wellbeing
Extra cancer treatment benefit up to HK$156,000 yearly

【Limited Time Offer】Enjoy 10% off now!

Got question? 2517 5542

Other Offers

50% discount for each child when both parents enrol or 25% discount when one parent enrols⁶
Up to 15% no claims renewal discount on your subscription⁷

Why choose Hong Kong’s medical insurance expert?

Global healthcare specialist

Bupa began in the UK in 1947. We are a leading international healthcare organisation with over 70 years of experience.
Apart from providing health insurance, we run clinics, hospitals, dental centres care homes, and more in many countries like the UK, Australia and Spain. Our focus in healthcare funding and services explains why we have the expertise and resources to provide you with smart and suitable solutions in healthcare.

Trusted brand

Health insurance provider to Hong Kong’s 19,000 civil servants for more than 20 years running.
We’ve gained the trust of more than 400,000 individuals, 3,200 companies.
Almost half of our customers have been Bupa members for 3 years and more.

Check out other Bupa schemes based on your needs:

Certified VHIS plan:

▶ Get a quote for Bupa CarePro now

▶ 【10% Discount】Buy Bupa CarePro online now

▶ Compare different schemes: Click "Need Recommendations?"

▶ Still considering? See the top 10 reasons about "Why Choose Bupa"

The health insurance schemes detailed on this webpage are insured by Bupa (Asia) Limited. Bupa (Asia) Limited is authorised and regulated by the Hong Kong Insurance Authority to carry out general insurance business in the HKSAR.

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【Limited Time Offer】Enjoy 10% off now!

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Notes, Terms and conditions

The promotion is offered by Bupa (Asia) Limited (“Bupa”) and valid until 31 May 2023 (“Promotion Period”).
To enjoy the Promotion Offer, New Customer is required to meet all of the following eligible criteria:
。 The Eligible Scheme must come into effect on 1 June 2023 with premiums paid on an annual basis;
。 New Customer must not cancel any individual medical insurance scheme underwritten by Bupa within 6 months prior to and after the date of submitting the application for the Eligible Scheme; and
。 The Promotion Offer is not applicable to any New Customer who transfers an existing individual scheme underwritten by Bupa to the Eligible Scheme.
The Promotion Offer is applicable to the first-year total premium for the whole policy / contract of the Eligible Scheme and does not apply to any premium loading.
Other than the family discount offered to the Eligible Scheme (if applicable, subject to terms and conditions of the family discount of the Eligible Scheme), the Promotion Offer cannot be used in conjunction with any other promotion offers.
The discounted amount applied to the Eligible Scheme under the Promotion Offer shall be the amount shown on the application form and will not be shown on the Policy Schedule / Membership Certificate of the Eligible Scheme(s). New Customer should refer to the copy of the application form enclosed in the welcome pack for the actual premium and levy paid.
The eligibility for each Eligible Scheme varies, please refer to the product brochure of the scheme.
Bupa reserves the right of final decision for any entitlement to the Promotion Offer.
The Promotion Offer is not transferable, returnable or redeemable for cash.
Bupa reserves the right to cancel or terminate this Promotion Offer (in whole or in part) or amend these terms and conditions at any time without prior notice.
In case of any dispute, the decision of Bupa shall be final and conclusive on all matters related to the promotion.
If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

Notes:

Applicable to member who enrol Full Cover Benefit at private level.
Applicable to member who enrol at private room level.
You need to follow the required procedures to enjoy full cover. The current list of Bupa HealthCare Appointed Hospitals in Hong Kong is available on Bupa's website. This list is subject to change from time to time.
Bupa guarantees that your cover can be renewed every year for life as long as you meet the requirements as stated in the Renewal Clause of your contract. Bupa reserves the right to amend the subscription, benefits, terms and conditions upon your contract renewal. Please refer to your contract for further details.
Female aged 18 to 49 years are eligible to join the Maternity Benefit.
Child discount is applicable to children aged 15 days to 17 years enroling in Bupa Care Kid Health Insurance Scheme. 50% discount is applicable to Hospital and Surgical Benefit and Full Cover Benefit with both parents applying for Bupa CarePro Health Insurance Scheme only; if only one parent enrols in Bupa CarePro Health Insurance Scheme, 25% off on Bupa Care Kid Health Insurance Scheme will be applied.
If you do not claim within a specific period, you can enjoy an increasing renewal discount on your Hospital and Surgical Benefit and Full Cover Benefit. You will receive 5% discount if you do not claim for two or three consecutive years, 10% discount for four or five consecutive years and 15% discount for six or more consecutive years.
Medical card is not applicable at the day-case centre of any private hospital in Hong Kong. You need to complete required procedures to use the medical card. The current list of designated private hospitals n Hong Kong is available on Bupa's website. This list is subject to change from time to time.
Member who has enrolled in Full Cover Benefit and / or Supplementary Major Medical Benefit can enjoy cashless service for eligible medical expenses by using the medical card at designated private hospitals in Hong Kong, subject to a credit limit approved by Bupa. Your eligible claim will be reimbursed up to the Overall Annual Limit.
The Maternity Benefit shall cover medical expenses incurred during pregnancy, including hospital confinement, doctor consultation, diagnostic tests and more, up to the Annual Maximum Limit in a contract year. A waiting period applies. Please refer to the Schedule of Benefits for details.

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