Benefits of Bupa CarePro medical insurance scheme
- Best Health Insurance rated by Next Magazine (full content in Chinese only)
- Lifetime renewal guaranteed
- No premium loading regardless of claims
- No hospital bills to pay with the medical card
- No waiting period
- Up to 15% no claim renewal discount (NCB)
- Up to HK$100,000 extra Cancer and Kidney Dialysis Benefit
- Children can enjoy up to 50% subscription discount
- Easy enrolment and no medical examinations are required
Plan features at a glance
| Basic benefit |
Hospital and Surgical Benefit
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- Cover expenses of room & board, surgeries, doctors´ fees, miscellaneous services, radiotherapy and chemotherapy for cancer, companion bed, clinical visits before and after hospitalisation. Worldwide cover.
- No minimum hours of hospital stay, day case surgeries or clinical operations are covered
- No waiting period, cover starts immediately after your membership takes effect
- Surgical benefit is paid per operation, offering better cover to you
- 270 days of hospital stay per year
- Up to 15% No Claim Renewal Discount (NCB) per year
- Ward, semi-private or private room levels for your choice
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| Optional benefit |
Supplementary Major Medical Benefit
(with Bupa HealthCare Card)
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- Reimbursement of 80% of the medical expenses in excess of the amount payable under basic Hospital and Surgical Benefit
- No hospital bills to pay and no claim procedure to follow with Bupa HealthCare (BHC) Card*
- Cover starts from the first day of hospital stay
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- including diagnostic tests, home consultation and treatments by general practitioners, specialists, physiotherapists, chiropractors, Chinese herbalists and Chinese bonesetters
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- A daily cash sum of up to HK$1,000 for 182 days per year (totaling $182,000)
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| Free benefit |
The Bupa Worldwide Assistance Programme
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- Provides admission deposit for hospitalisation overseas and in Mainland China, unlimited cover for emergency medical evacuation and repatriation, HK$120,000 extra hospital cover after returning to HK
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*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.
FAQs
You may refer Bupa CarePro medical insurance scheme FAQs are as below, if you have any enquiry about our schemes, please call us at 2517 5860 during office hours (9:00 am to 6:00 pm from Monday to Friday, except public holiday), or you can complete Request call back and submit your enquiry to us, we will respond to you within the same day or next working day.
| Who is eligible to enrol? |
- Anyone reaching the age of 18 is eligible to apply. There is no upper age limit.
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| How can I pay my subscription? |
- You can pay your subscription monthly or annually, according to your preference.
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| How long does it take to process a claim in general? |
- It would take about 5-7 working days to process upon receipt of the claim form, original copies of the receipt and related supporting documents from doctors.
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| What should I note when using Bupa HealthCare Card? |
- In order to enjoy this service, you need to complete a Hospitalisation Pre-admission Form and send it back prior to hospital admission so we can approve your credit limit. Upon approval, a Guarantee of Payment letter will be issued. The claim form should be completed by the hospital before discharge. Please note that the approved credit does not reflect the final claim amount.
This service is not applicable to excluded items, which must be paid for upon discharge. Bupa will charge members the difference between the hospital bills and eligible claim entitlements following hospital discharge (if applicable).
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| How can I check my Bupa membership details or the progress of a claim? |
- Simply visit Bupa Active on our corporate website to access a host of online services. You will be able to update personal data and track your claims around the clock. Alternatively, you can call our Customer Care helpdesk to obtain assistance from our customer service advisers.
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| Is my membership transferable if I move abroad? |
- If Bupa has a business operation in your new place of residence, we will try our best to arrange the transfer of your membership so that you may continue to enjoy our cover.
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| What can I do if I would like to get a quotation in non-office hours? |
- You can get the quotation instantly by using our quick quote function on our website anytime and anywhere. Simply enter your age and your selected benefit level to have the quotation. You can complete Request call back and submit your enquiry to us, we will respond to you within the same day or next working day.
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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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