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Group medical insurance |
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You are here : Bupa HK > Group medical insurance > Enterprise HealthNet
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| Enterprise HealthNet group medical insurance scheme |
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This group scheme provides full cover for in-patient and out-patient expenses when your employees use the medical card in our network hospitals and clinics. There are not bills to pay (except co-payment) and no claim procedures to follow. This scheme also comes with a range of free cover. |
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Which types of business and employees should enrol?
- Companies with 5-50 employees looking for protection for their employees´ health
- Companies which need a higher benefit amount of in-patient and out-patient cover
- Companies which prefer a medical card for network clinics and hospitals to save the hassle of claim administration
- Full time employees and their spouse who are aged under 65
- Employees´ unmarried children aged between 15 days and 17 years old, or under 23 if in full time education
Plan features and merits
- Medical insurance cover: Basic cover includes Hospital and Surgical Benefit and Clinical Benefit (including diagnostic tests and treatments by general practitioners, specialists, physiotherapists, chiropractors, Chinese herbalists and bonesetters). Optional cover includes Dental Benefit.
- Free cover: Hospital Cash Benefit, Top-up Medical Benefit and Bupa Worldwide Assistance Programme.
- Largest out-patient network in Hong Kong: We have the largest medical provider network in HK - more than 2,300 clinics and diagnostic centres.
- Full cover and no claim procedure: Using the medical card within the clinic and hospital network, Bupa will pay the eligible expenses to the medical service provider directly so members have no bills to pay and no claim procedure to follow.
- Free choice of non-network doctors and hospitals: Members have free choice of doctors and hospitals outside our network with a different benefit limit.
- Special offer for child subscription: Only the subscription of one child will be charged if more than one child from the same family join the scheme (except Dental Benefit).
- Guaranteed membership transfer*: We guarantee the acceptance of membership transfer to the ward level of the Bupa CarePro medical insurance plan regardless of your health conditions when you retire or quit your job. After the transfer, you will enjoy lifetime protection, including pre-existing illnesses developed and covered during your group membership.
- Benefit level options: It is easy to fit your company´s budget with the choice of ward, semi-private or private room level.
- Options of reimbursement and co-payment: You can opt for no co-payment or HK$30 co-payment under the out-patient network benefit. For the non-network benefit, you can choose between 80% and 100% reimbursement.
- Simple administration: Claim payment will be credited to the employee´s bank account directly if non-network benefit is used. Employees can check claim status online on the Bupa website.
- Easy enrolment: The participating employees are not required to take medical examinations, go through individual underwriting or make health declaration.
* Subject to Bupa´s requirements, terms and conditions.
Which Bupa group medical insurance plan suits your business best?
- Companies with 50 or more employees can set up a tailor-made group scheme. Please call 2517 5338 for professional advice.
- For companies with 50 or less employees, please refer to the table below
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Corporate HealthNet Plus |
Bupa Choice Plus |
Enterprise HealthNet |
| No. of employees |
5-50 |
5-50 |
5-50 |
| Basic medical insurance cover |
| Hospital and Surgical Benefit |
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| Clinical Benefit |
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| Optional medical insurance cover |
| Clinical Benefit |
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| Dental Benefit |
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| Free medical insurance cover |
| Hospital Cash Benefit |
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| Top-up Medical Benefit |
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| Dental Benefit (If Clinical Benefit is chosen) |
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| Bupa Worldwide Assistance Programme |
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| Medical provider network and medical card |
| Medical Card |
(For out-patient) |
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(For in-patient and out-patient) |
| No. of clinics and diagnostic centres |
More than 1,700 |
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More than 2,300 |
| Full cover and no claim procedure |
| In-patient benefit |
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(Must choose a
network hospital)* |
| Out-patient benefit |
(Must choose a network doctor) |
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(Must choose a network doctor) |
| Example of the subscription amount for a ward level benefit |
| Subscription per person per year |
$1,344
(in-patient) |
$978
(in-patient) |
$4,648
(in-patient + out-patient) |
| Reimbursement and co-payment options for out-patient benefit |
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*Up to the annual overall limit shown in the Schedule of Benefits
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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