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Individual medical insurance |
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You are here : Bupa HK > Individual medical insurance > Bupa Crystal
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| Bupa Crystal medical insurance scheme |
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This scheme provides full cover for medical expenses incurred in network hospitals and over 1,700 clinics, so you do not have to pay any bills or lodge any medical insurance claims. Free health check is included in this medical insurance package. |
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Who should enrol?
- Single or married employed persons, self-employed persons and business owners who want to stay in a private room in hospital when falling ill and have full cover for their medical expenses
- People who want to have health check programmes included in their medical insurance scheme
- From newborn babies to adults aged up to 59 who need health cover
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Plan features and merits
- Medical insurance cover: Basic cover includes Hospital and Surgical Benefit. You can select optional Hospital Cash 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.
- Full cover and no claim procedure: When you use the Bupa CrystalNet Card, all eligible medical expenses are fully covered. You have no bills to pay and no claim procedure to follow.
- Free choice of non-network doctors and hospitals: Members are free to use non-network doctors and hospitals with a different medical insurance benefit limit.
- Free lifetime preventive program: Members who opt for the Clinical Benefit can take preventive health check programmes tailored for different life stages such as blood test, influenza vaccination, scaling and polishing dental service, Pap smear test or prostatic cancer screening.
- Free lifetime health check: A host of health check programmes are tailored for male and female members such as cancer screening, ultra sound scanning, mammogram or bone density test.
- Options of reimbursement: You can choose to have 80% or 100% of your expenses reimbursed for treatment received in clinics and hospitals outside our network.
- No waiting period: Your cover starts immediately after your membership takes effect.
- 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.
- 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.
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Which Bupa medical insurance 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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