Who should enrol?
- Single or married civil servants and their dependants
- From newborn babies to adults aged up to 64 who need health cover
Plan features and merits
- Medical insurance cover: Basic cover includes Hospital and Surgical Benefit. You can also select optional Hospital Top-up Benefit, Clinical Benefit (including diagnostic tests and treatments by general practitioners and specialists) and Bupa Worldwide Assistance Programme.
- Guaranteed renewal: No matter how your health conditions change, we guarantee that your cover can be renewed to age 64.
- 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.
- Guaranteed membership transfer: We guarantee the acceptance of membership transfer to the ward level of the Bupa Care medical insurance plan regardless of your health conditions when you retire or quit your job. After the transfer, you will enjoy lifetime protection including the pre-existing illnesses developed and covered previously.
- Reimbursement and co-payment options: For the Hospital and Surgical Benefit, you can opt for 80% or 100% reimbursement. For the Hospital Top-up Benefit, you can choose between co-payment of HK$500 or HK$1,500 per claim.
- Benefit level options: It is easy to fit your budget with the choice of ward, semi-private or private room level.
- Easy Enrolment: Enrolment is quick and simple. No medical examinations are required.
*Cover of pre-existing medical conditions does not apply to Bupa Worldwide Assistance Programme and the Exclusion Items in the contract. No Hospital and Surgical Benefit and Supplementary Major Medical Benefit will be paid for any illnesses (except for accidental injury) sustained in the first 180 days after Coverage Commencement Date of the Member; and the following conditions that occur during the first 12 months after the Coverage Commencement Date: cataracts, endometriosis, diseased tonsils requiring surgery, hemorrhoids, hyperthyroidism, pathological abnormalities of nasal septum or turbinates, sinus conditions requiring surgery, and tumours of internal organs or breasts.
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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