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Individual medical insurance |
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You are here : Bupa HK > Individual medical insurance > Bupa CarePro
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| Bupa CarePro medical insurance scheme |
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This scheme caters for all levels of medical insurance needs and protects your health. With the Bupa HealthCare Card, you do not have to pay the medical bill or lodge any medical insurance claims after a hospital stay. And there is no waiting for the payment of a medical insurance claim*. |
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Who should enrol?
- Single or married, employed or self-employed persons and those who want a budget-friendly plan with no claim procedure to follow after a hospital stay
- People who are aged 18 or above and need health cover
Plan features and merits
- Medical insurance cover: Basic cover includes Hospital and Surgical Benefit. You can also select optional Hospital Cash Benefit, Supplementary Major Medical Benefit and Clinical Benefit (including diagnostic tests and treatments by general practitioners, specialists, physiotherapists, chiropractors, Chinese herbalists and bonesetters).
- 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.
- No claim procedure after a hospital stay: When you use the Bupa HealthCare Card for admission to a private hospital, you do not have to pay a deposit, cover payments upon discharge or wait for claim settlement*.
- No Claim Renewal Discount (NCB): To encourage you to maintain good health, a subscription discount will apply if no claims are made in 2 years. The NCB can be as high as 15% per year.
- High day limit for hospital stay: 270 days per year
- Extra Cancer Treatment and Kidney Dialysis Benefit: A benefit of up to HK$100,000 every year is provided for kidney dialysis, chemotherapy and some other advanced cancer treatments.
- No waiting period: Your cover starts immediately after your membership takes effect.
- Child discount: Children can enjoy up to 50% subscription discount when their family enrol with Bupa.
- Payment options: It is easy to fit your budget with the choice of monthly or annual payment mode, and ward, semi-private or private room level.
- 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.
* This service will be provided if you take out the Supplementary Major Medical Benefit, subject to the terms and conditions of this plan and is not applicable to hospitalisation expenses incurred by exclusion items.
Which Bupa medical insurance plan suits you best?
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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 |
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| Family members enrolled as dependants |
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| Medical cover |
| Hospital and Surgical Benefit (basic) |
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| Supplementary Major Medical Benefit (optional) |
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| Hospital Cash Benefit (optional) |
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| Clinical Benefit (optional) |
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(basic) |
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| Maternity Benefit (optional) |
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| Full cover |
| Full cover for hospitalisation and surgical fees |
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(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 |
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(Must choose a network doctor) |
(Must choose a network doctor) |
(Any HK or overseas doctors) |
| No claim procedure |
| In-patient |
(Any HK private hospitals) |
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(must choose a private hospital in our network) |
(Any HK private hospitals) |
| Out-patient |
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(Must choose a network doctor) |
(Must choose a network doctor) |
(Must choose a network doctor) |
| Choice of room levels |
| Ward |
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| Semi-private |
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| Private |
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| Subscription discount and free health check |
| No Claim Renewal Bonus |
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| Child Discount |
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| Free health check# |
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| Free benefits |
| Bupa Worldwide Assistance Programme |
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| Overseas Medical Contingency Top-up Benefit |
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| Example of the subscription amount for an aged 30 member |
| Annual subscription |
$2,138
(Ward, in-patient benefit) |
$6,517
(Ward, inpatient & out-patient benefits) |
$6,871
(Private, in-patient benefit) |
$15,255
(Private, in-patient benefit) |
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* 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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