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Bupa Care HealthNet medical insurance scheme
This scheme protects your health with comprehensive in-patient and out-patient medical insurance as well as free health check. The out-patient medical card is honoured by over 2,300 clinics, so you do not have to pay any consultation fees or lodge any medical insurance claim.

Who should enrol?

  • Single or married, employed or self-employed persons and those who want a budget-friendly plan with free health check up programmes and no claim procedure to follow after doctor consultation
  • From newborn babies aged 15 days to adults aged up to 59 who need health cover
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Plan features and merits

  • Medical insurance cover: Basic cover includes Hospital and Surgical Benefit plus Clinical Benefit (including diagnostic tests and treatments by general practitioners, specialists, physiotherapists and chiropractors). Optional cover includes Hospital Cash Benefit.
  • Guaranteed lifetime renewal: No matter how your health conditions change after you join the scheme, we guarantee that your cover can be renewed for life.
  • No extra charge for individuals: Regardless of your claims history and health conditions, there is no individual increase in premium at the time of renewal.
  • Full cover and no claim procedure after doctor consultation: When you use the Bupa HealthNet Card, your eligible medical expenses will be fully covered. You do not have to pay any consultation fees or lodge any claim.
  • Choice of non-network doctors: Members have free choice of non-network doctors with a different medical benefit limit.
  • Free health check: Every year, members can enjoy scaling and polishing dental service once and choose from general health assessment, men´s or women´s health check.
  • No waiting period: Your cover starts immediately after your membership takes effect.
  • Benefit level options: It is easy to fit your budget with the choice of ward, semi-private or private room levels.
  • Easy Enrolment: Enrolment is quick and simple, No medical examinations are required.
  • Free cover: The Bupa Worldwide Assistance Programme provides overseas emergency medical assistance services and an extra hospital benefit of HK$120,000 after repatriation to Hong Kong.
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Which Bupa medical insurance plan suits you best?

 
  Bupa CarePro Bupa Care HealthNet Bupa Crystal Bupa Gold
Issue age for adults 18 or above 18 – 59 18 – 59 18 - 59
Issue age for children Please join
Bupa Care Kid
15 days to 17 0 to 17 0 to 17
Unmarried full time student aged 18-22  
Family members enrolled as dependants  
Medical cover
Hospital and Surgical Benefit (basic)
Supplementary Major Medical Benefit (optional)      
Hospital Cash Benefit (optional)  
Clinical Benefit (optional)
(basic)
Dental Benefit (optional)        
Maternity Benefit (optional)        
Full cover
Full cover for hospitalisation and surgical fees    
(must choose a private hospital in our network)*

(All room and board charges and miscellaneous hospital services expenses of any HK private hospitals)
Full cover for out-patient expenses  
(Must choose a network doctor)

(Must choose a network doctor)

(Any HK or overseas doctors)
No claim procedure
In-patient
(Any HK private hospitals)
 
(must choose a private hospital in our network)

(Any HK private hospitals)
Out-patient  
(Must choose a network doctor)

(Must choose a network doctor)

(Must choose a network doctor)
Choice of room levels
Ward    
Semi-private    
Private
Subscription discount and free health check
No Claim Renewal Bonus      
Child Discount      
Free health check#    
Free benefits
Bupa Worldwide Assistance Programme
Overseas Medical Contingency Top-up Benefit      
Example of the subscription amount for an aged 30 member
Annual subscription $2,140
(Ward, in-patient benefit)
$6,738
(Ward, inpatient & out-patient benefits)
$7,215
(Private, in-patient benefit)
$16,170
(Private, in-patient benefit)

* Up to the overall annual limit shown in the Schedule of Benefits
# Some health check programmes are only available for members aged 18 or above.

The product information above is only a summary for your reference. Please refer to the product brochure and contract for plan details, terms and conditions.

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