Benefits of Bupa Crystal medical insurance scheme
- Private room level
- Lifetime renewal guaranteed
- No premium loading regardless of claims
- Full cover for hospital and clinical expenses with the medical card
- No claims to follow with the medical card
- No waiting period
- Free male and female body check
- No medical examinations required for enrolment
Plan features at a glance
| Basic benefit |
Hospital and Surgical Benefit
(with Bupa CrystalNet Card)
|
- Full cover for expenses of room & board, surgeries, doctors´ fees, miscellaneous services, companion bed, clinical visits before and after hospitalisation
- Medical card accepted by HK Sanitorium, Canossa, St. Teresa and Union hospitals
- 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
|
| Optional benefit |
|
|
- Diagnostic tests, home consultation and full cover for treatments by general practitioners, specialists, physiotherapists, chiropractors, Chinese herbalists and Chinese bonesetters
- Use medical card in the clinical network, no bills to pay and no claims to follow
- Over 2,000 network doctors and facilities
|
|
|
- A daily cash sum of up to HK$1,500 for 182 days per year (totaling $273,000)
|
| Free benefit |
The Bupa Worldwide Assistance Programme
|
- 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
|
Free body check
(if purchase clinical benefit)
|
- Health check programmes for male and female members such as cancer screening, ultra sound scanning, mammogram or bone density test, etc
|
FAQs
You may refer Bupa Crystal 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 aged between 18 and 59 years is welcome to join the scheme. Family members including a legal spouse aged from 18 to 59 years, and any unmarried children aged below 18 or below 23 years if in full time education are also welcome. The benefits are the same for all family members.
|
| I travel frequently between Hong Kong and Mainland China. Is this scheme suitable for me? |
- The worldwide coverage of Bupa Crystal allows you to receive treatment wherever you are. In addition, the free Bupa Worldwide Assistance Programme included in this scheme covers admission deposits when overseas hospitalisation is required. There is no limit on this deposit for designated hospitals in Mainland China.
|
| How can I pay my subscription? |
- The subscription fee of this scheme is due annually. To give you greater financial flexibility, we provide a 12-month interest-free instalment plan.
|
| 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.
|
| What should I note to enjoy a full cover under Bupa CrystalNet Benefit? |
To be eligible for the Bupa CrystalNet Benefit (network), please pay attention to the following requirements:
Receiving treatments from network doctors, in the diagnostic centres and network hospitals:
- Please present your Bupa CrystalNet Card to receive treatment from medical practitioners, Chinese herbalists, chiropractors and physiotherapists or at diagnostic centres, clinics and hospitals within the network
- When further examination or treatment from a specialist, physiotherapist or chiropractor is required, you will need a referral letter issued by your network general practitioner. You must visit a network diagnostic centre or specialist in order to be fully reimbursed. The referral letter is valid for 6 months. For Gynaecology, Paediatrics and Family Medicine, a referral letter is not required
- If you need to be hospitalised, please ask your network specialist to refer you to any one of the network hospitals. Treatment or surgery must be performed by your network specialist
- This network benefit is applicable to standard private room, semi-private room and ward. Claims in respect of any classes of room above the standard private room is paid up to the highest limit of Non-CrystalNet Benefit
Please call Bupa pre-authorisation hotline for approval before receiving the following treatments:
- Hospitalisation
- Pre-admission and Post-hospitalisation Out-patient Care (except for the members of Clinical Benefit)
- Specialist consultation referred by Bupa CrystalNet doctors and / or Bupa CrystalNet hospitals where that relevant specialty is not covered in the network
For emergency medical treatment outside the normal office hours of Bupa, members shall obtain subsequent authorisation from Bupa on the next working day immediately after receiving such treatment. |
| 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.
|
| How can I check the list of approved doctors on CrystalNet Benefit? |
- When you become a member of Bupa Crystal, we will send you a List of CrystalNet Service Providers. You may also visit Bupa Active on our corporate website any time to look for general practitioners, specialists or diagnostic centres in a particular area. The online list is updated daily to ensure the information is current.
|
| 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.
|
| 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.
|
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.
|