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Individual medical insurance You are here :Skip Navigation LinksBupa HK > Individual medical insurance > Bupa Gold
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Bupa Gold medical insurance scheme
This scheme provides first class international cover to protect your health. After you receive a treatment in any Hong Kong private hospital or any clinic in the world, your room and board charges, miscellaneous hospital services expenses and out-patient consultation fees will be fully covered.

Who should enrol?

  • Single or married business owners or senior executives, those who want to stay in a private room in hospital when falling ill and those who often stay overseas
  • 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 also select optional Clinical Benefit (including diagnostic tests and treatments by general practitioners, specialists, physiotherapists, chiropractors, Chinese herbalists and bonesetters), Maternity Benefit and Dental Benefit.
  • 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: When you receive treatment in any Hong Kong private hospital or clinic, all room and board charges, miscellaneous hospital services expenses and out-patient consultation fees are fully covered.
  • No claim procedure after a hospital stay and doctor consultation: When you use the Bupa Gold Card in any private hospital or network clinic in Hong Kong, You have no bills to pay and no claim procedure to follow.
  • Enjoy healthcare privileges: Bupa Gold members can enjoy up to 20% discounts on a range of wellness programmes, simply by presenting the Bupa Gold Card at the Hong Kong Adventist Hospital and the Matilda International Hospital.
  • 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 Overseas Medical Contingency Top-up Benefit: You have an additional cover of HK$500,000 for emergency medical treatment overseas or treatment which should be performed outside Hong Kong upon the medical advice of a specialist and Bupa´s prior approval.
  • 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 plan suits you best?

 
  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  
Family members enrolled as dependants        
Medical cover
Hospital and Surgical Benefit (basic)
Supplementary Major Medical Benefit (optional)      
Hospital Cash Benefit (optional)  
Clinical Benefit (optional)
(basic)
Dental Benefit (optional)        
Maternity Benefit (optional)        
Full cover
Full cover for hospitalisation and surgical fees    
(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  
(Must choose a network doctor)

(Must choose a network doctor)

(Any HK or overseas doctors)
No claim procedure
In-patient
(Any HK private hospitals)
 
(must choose a private hospital in our network)

(Any HK private hospitals)
Out-patient  
(Must choose a network doctor)

(Must choose a network doctor)

(Must choose a network doctor)
Choice of room levels
Ward    
Semi-private    
Private
Subscription discount and free health check
No Claim Renewal Bonus      
Child Discount      
Free health check#    
Free benefits
Bupa Worldwide Assistance Programme
Overseas Medical Contingency Top-up Benefit      
Example of the subscription amount for an aged 30 member
Annual subscription $2,140
(Ward, in-patient benefit)
$6,738
(Ward, inpatient & out-patient benefits)
$7,215
(Private, in-patient benefit)
$16,170
(Private, in-patient benefit)

* 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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