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| Bupa Critical Essential Care critical illness insurance scheme |
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Bupa Critical Essential Care critical illness insurance scheme covers you against an extensive range of 58 critical illnesses including 49 major critical illnesses and 9 special male and female critical illnesses. It also provides free Medical Top-up Benefit to Bupa individual medical insurance scheme members. |
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| Bupa CarePro Promotion: Enrol 3 persons & enjoy $2,250 discount. Fabulous discounts for enrolment of 1 or 2 persons. Call us on 2517 5862 |
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Who should enrol?
- People with financial burden or breadwinners in a family
- People who seek budget-friendly critical illness cover
- Existing Bupa individual members
- People who have insufficient critical illness cover
- All Hong Kong residents aged from 15 days to 59 years are welcome to enrol
Plan features and merits
- Cover 58 critical illnesses：include 49 Major Critical Illnesses and 9 Special Critical Illnesses.
- Major Critical Illnesses: include cancer, heart disease, stroke etc.
- Special Critical Illnesses: include minimally invasive surgeries such as angioplasty which are now commonly used to treat coronary diseases, and early stage cancer or carcinomas in situ of the prostate, testes, breast and cervix uteri etc. Bupa also enables you to claim for up to two Special Critical Illnesses while most products in the market only allow one claim.
- Free Medical Top-up Benefit: up to HK$300,000 free Medical Top-up Benefit1 will be offered to you once you are diagnosed with a Major Critical Illness. It covers the eligible treatment costs without any deductibles.
- Competitive subscriptions: you can enjoy protection for a subscription as low as HK$2.32 per day.
- Flexible coverage：the choice of sum insured ranges from HK$200,000 to HK$1,500,000 and cover will continue until you reach age 80.
- Subscriptions are guaranteed for period of five years: subscriptions are guaranteed for five years after enrolment but will be adjusted in line with your age at renewal after each five-year period.
- Benefit amount: 100% of sum insured for Major Critical Illness and 20% of sum insured (up to HK$240,000) for each Special Critical Illness.
- Payment options：choice of monthly or annual payment mode.
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| 49 Major Critical Illnesses3 |
| Type of illnesses |
Description |
| Cancer |
1. Cancer |
| Illnesses related to the Heart |
2. Cardiomyopathy
3. Coronary Artery Disease Surgery
4. Heart Attack
5. Heart Valve Surgery
6. Other Serious Coronary Artery Disease
7. Primary Pulmonary Arterial Hypertension
8. Surgery to Aorta |
| Illnesses related to Major Organs and Functions |
9. Acute Necrotic Pancreatitis
10. Aplastic Anaemia
11. Blindness
12. Chronic Relapsing Pancreatitis
13. End Stage Liver Disease
14. End Stage Lung Disease
15. Fulminant Hepatitis
16. Haemolytic Streptococcal Gangrene
17. Kidney Failure
18. Loss of Hearing
19. Loss of Limbs
20. Loss of Speech
21. Major Burns
22. Major Organ Transplantation
23. Medullary Cystic Disease
24. Total and Permanent Disability4 |
| Illnesses related to Nervous System |
25. Alzheimer´s Disease4
26. Amyotrophic Lateral Sclerosis
27. Apallic Syndrome
28. Bacterial Meningitis
29. Benign Brain Tumour
30. Coma
31. Creutzfeld-Jacob Disease
32. Encephalitis
33. Major Head Trauma
34. Multiple Sclerosis
35. Muscular Dystrophy
36. Paralysis
37. Parkinson´s Disease4
38. Poliomyelitis
39. Primary Lateral Sclerosis
40. Progressive Bulbar Palsy
41. Progressive Muscular Atrophy
42. Spinal Muscular Atrophy
43. Stroke |
| Other Critical Illnesses |
44. HIV Due to Blood Transfusion
45. Elephantiasis
46. Occupationally Acquired HIV
47. Severe Rheumatoid Arthritis
48. Systemic Lupus Erythematosus
49. Terminal Illness4 |
| Benefit |
100% of sum insured |
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| 9 Special Critical Illnesses |
| Male |
Female |
| 1. Minimally Invasive Surgery for Coronary Artery Diseases including Angioplasty |
2. Carcinoma in situ of the Testes
3. Early Stage Cancer of the Prostate |
4. Carcinoma in situ of the Breast
5. Carcinoma in situ of the Cervix Uteri
6. Carcinoma in situ of the Fallopian Tube
7. Carcinoma in situ of the Uterus
8. Carcinoma in situ of the Vagina
9. Early Stage Cancer of the Ovary |
| Benefit (Each critical illness5) |
20% of sum insured, up to a maximum of HK$240,000 |
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1 Applicable to members of all Bupa inforce individual health insurance schemes at the time they are diagnosed with the Major Critical Illness, except the Bupa Wise Choice Health Insurance Scheme.
2 The annual subscription is based on an aged 30 non-smoker taking out HK$200,000 sum insured.
3 One Major Critical Illness claim for each contract.
4 Cover expires at age 65.
5 Each member can claim for a maximum of two Special Critical Illnesses during their lifetime. After paying out the benefit for a Special Critical Illness, members can make a claim for a Major Critical Illness whose benefit payable is the sum insured minus any Special Critical Illness benefit that has already been paid.
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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Get quote and download
brochure here |
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