What does Bupa CarePro medical insurance include?
The Bupa CarePro medical insurance scheme caters for all levels of medical insurance needs. The medical insurance cover includes hospital benefit, clinical benefit, hospital cash benefit and maternity benefit.
Special offer: Enjoy two months free cover for joint enrolment in Bupa CarePro. One month free cover for single enrolment. Offer expires on 29 May.
Key features
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Full cover
Full cover for hospital expenses with no limit on each hospital expense. You can see how this works in this claim example.
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Lifetime health insurance guaranteed
Bupa guarantees that you can renew your cover for life, regardless of your claims history.
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No extra subscription because you claim
Whatever claims you've made, we won't add any extra individual charges when you renew your contract.
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Cashless hospitalisation and no claims procedure
When you use your Bupa medical card at any local private hospital, you don't need to pay admission deposit or hospital bills and there is no claims procedure to follow.
A medical card is issued with Supplementary Major Medical Benefit.
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Higher surgical benefits
You enjoy better cover because Bupa pays out surgical benefit on a per-operation basis rather than per disability. You can see how this works in this claim case.
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Other features
- Maternity benefit at your choice, which covers medical expenses related to your pregnancy
- Up to 50% child subscription discount when you enrol your family
- Up to HK$100,000 extra Cancer and Kidney Dialysis Benefit per year
- No waiting period, cover starts immediately after your membership takes effect (Except for Maternity Benefit)
- No minimum length of hospital stay
- Up to 15% no claim renewal discount (NCB)
- No medical examination required to enrol
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Basic benefit
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Hospital and Surgical Benefit
- Choice of ward, semi-private and private room levels
- Room and Board
- Miscellaneous Hospital Services
- Intensive Care
- Private Nursing
- Surgeon and Attendance Fees
- Anaesthetist's Fees
- Operating Theatre Fees
- In-patient Physician's Fees
- In-patient Specialist's Fees
- Cancer Treatment and Kidney Dialysis
- Companion Bed
- Pre-admission and Post-hospitalisation Out-patient Care
- Emergency Out-patient Benefit for Accidents
Free benefit
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Free Bupa Worldwide Assistance Programme
- When you are hospitalised outside Hong Kong, we provide admission deposit, emergency medical repatriation, and HK$120,000 extra hospital cover after you return to Hong Kong.
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Full Cover Benefit
- Full cover for hospital expenses with no limit on each hospital expense
- Pre-authorise your medical expenses before your hospital admission, so all you have to think about is getting better
- Use our medical card at 7 renowned private hospitals and you don't need to pay any deposit or hospital bills nor lodge a claim
- Provides a benefit limit of up to HK$700,000 per year at a modest subscription, it will be reinstated every year if you use up the maximum benefit amount in a year
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Supplementary Major Medical Benefit
- Use our medical card at any local private hospital and you don't need to pay any deposit or hospital bills nor lodge a claim
- We pay 80% of the medical expenses in excess of the amount payable under the Hospital and
Surgical Benefit
- Cover starts from the first day of your hospital stay
- Lifetime renewal guaranteed
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Hospital Cash Benefit
- A daily cash sum of up to HK$1,000 for 182 days per year (a total of HK$182,000)
- Lifetime renewal guaranteed
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Clinical Benefit
- Covers diagnostic imaging and laboratory tests, prescribed western medication, treatment by western physicians, physiotherapists, chiropractors, Chinese herbalists and Chinese bonesetters
- Lifetime renewal guaranteed
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Maternity Benefit
- Covers obstetrician's fees, hospitalisation charges, prenatal and postnatal check-up costs, and nursery care for newborn baby during a hospital confinement
- You will receive reimbursement after your maternity cover takes effect for 9 months or more
We want to help you understand clearly the coverage before enrolment. So here are all the exclusions:
- Pre-existing conditions (unless such conditions have been disclosed in the application and accepted by Bupa).
- Treatment, medical service, medication or investigation which is not medically necessary.
- Any illness or injury for which compensation is payable under any laws or regulations or any other insurance policy or any other sources except to the extent that such charges are not reimbursed by any such compensation, insurance policy or sources.
- Any charges for accommodation, nursing and services received in health hydros, nature cure clinics, convalescent home, rest home, home for the aged or similar establishments.
- Any charges in respect of surgical or non-surgical cosmetic treatment, or hearing tests, routine blood tests, general check-ups, vaccinations or inoculations, Hair Mineral Analysis (HMA), health supplements or body weight control, eye refraction including but not limited to routine eye tests or any costs of fitting of spectacles or lens.
- Congenital conditions, developmental conditions or hereditary conditions.
- Treatment that commenced during the first five years of the member's coverage commencement date and which in any way arises from, is attributable to, or is consequential upon Human Immunodeficiency Virus Infection.
- Sexually transmitted (venereal) diseases or their sequel.
- Treatment relating to pregnancy, including diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage (unless benefit is available); birth control or sterilisation of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; sexual dysfunction including but not limited to impotence, erectile dysfunction, premature ejaculation, regardless of cause.
- Misuse or overdose of drugs or being under the influence of alcohol, self-inflicted injuries or attempted suicide.
- Treatment relating to any illness or injury resulting from participation in criminal activities.
- Alternative treatment including but not limited to Chinese medicines treatment, acupuncture, acupressure, Tui Nai, hypnotism, rolfing, massage therapy, aromatherapy, unless benefit is available.
- Senile Dementia (including Alzheimer's disease), Parkinson's disease, psychological or psychiatric
condition(s) of any and all kinds, including but not limited to psychoses, neuroses, depression, anxiety, anorexia nervosa, schizophrenia, behavioural disorders, delirium, insomnia, neurasthenia.
- Any charges for the procurement or use of special braces and appliances, including but not limited to spectacles, hearing aids and other equipments such as wheel chairs and crutches.
- Any treatment or investigation related to dental or gum conditions except for emergency treatment arising from accidents or the extraction of impacted wisdom teeth during hospital confinement. Follow-up treatment from such hospital confinement shall not be covered.
- Any charges for blood and blood plasma.
- Treatment arising from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power or terrorist acts.
- Non-medical services, including but not limited to guest meals, radio, telephone, photocopy, taxes (except the Value-Added Tax or Goods and Services Tax for medical services), medical report charges and the like.
- Experimental and / or new medical technology or procedure not yet approved by Bupa.
All terms and conditions are subject to the Contract
Must-ask questions before enrolment
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When you shop around for a medical insurance scheme, please consider the following:
- Are there any extra charges after you claim?
- A scheme that does not charge extra because of your claims history offers better value. Otherwise, you might have to cancel your cover because the subscription went up a lot.
- Is there any minimum length of hospital stay?
- If there is such a restriction, some common treatments such as endoscopy, a plaster cast, wound sutures, radiotherapy and chemotherapy, which do not require hospital confinement, will not be covered.
- Is there a waiting period?
- As no benefit is payable during the waiting period, you should choose a medical insurance scheme with no waiting period.
- Is the surgical benefit paid per operation or per disability?
- You enjoy a higher level of protection if the surgical benefit is paid per operation rather than per disability. You can see how this works in this claim case.
- Who can apply?
- Anyone aged 18 or above can apply. Female aged between 18 and 49 can enrol for the Maternity Benefit.
- How do I pay my subscription?
- You can pay your subscription monthly or annually.
- How long does it take to process a claim?
- If you use the Bupa medical card, you don't need to make a claim. If you submit a claim form, it takes about 5-7 working days to settle payment after receiving your claim form and full documentation.
- How do I use my Bupa medical card to get the most from my Full Cover Benefit?
- You will need to visit a specialist appointed by Bupa and present your medical card and referral letter. Treatment must be provided by one of the hospitals or day-case centres appointed by Bupa and you will need to obtain pre-authorisation confirmation before your treatment. Please contact your health insurance consultant for more details.
- If I opt for the Supplementary Major Medical Benefit only, how do I use my Bupa medical card?
- Call us and submit a registration form before you are admitted to hospital. We will then give you a
Pre-authorisation Confirmation / Guarantee of Payment Letter. For emergency hospital confinement outside our office hours, the registration can be submitted on the next working day.
- How can I search for doctors and hospitals appointed by Bupa?
- If you have opted for Full Cover Benefit, we will send you a List of Bupa CarePro / Bupa Care Kid Appointed Hospitals and Specialists. You can also log into Bupa Active at our website to search for doctors in your area.
- How can I check my membership details or claim status?
- You can log into Bupa Active on our website to access a host of 24-hour online services or call our dedicated Customer Care helpdesk. If you have submitted a claim, once it has been processed you will also receive our SMS confirmation if you provide us with an up-to-date mobile phone number.
The above information is only a product summary. Please refer to the product brochure and contract for details.
Next steps
You can contact Bupa through the following channels.
