What does Bupa Civil Servants medical insurance include?
The Bupa Civil Servants medical insurance scheme is designed for civil servants and their dependants. This medical insurance scheme provides hospital benefit, clinical benefit and worldwide emergency assistance for a modest premium.
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Medical insurance scheme recommended for 17 years
Bupa has been recommended by the Hong Kong government to provide medical insurance to 19,000 civil servants for 17 years in a row.
Guaranteed acceptance and cover for pre-existing illnesses
Bupa guarantees to accept your application and cover illnesses that occur before your membership
You enjoy hospital benefit for a subscription of around HK$3.5 per day.
No extra subscription because you claim
Whatever claims you've made, we won't add any extra individual charges when you renew your contract.
Portable and lifetime cover guaranteed
No matter how your health changes, we guarantees transfer to Bupa CarePro with Hospital and Surgical Benefit at ward level so you can enjoy lifetime protection.
If you request for an upgrade of your benefit level or apply for optional benefits including Full Cover Benefit, Supplementary Major Medical Benefit, Hospital Cash Benefit or Clinical Benefit, such applications will be subject to underwriting approval by Bupa.Please also note that medical expenses of any illness or injury that occurred before the Coverage Commencement Date of the new contract shall be paid according to the lower of the benefits of the New Contract and the previous Bupa Civil Servants Contract.
Higher surgical benefit
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 the surgical claim example.
- No minimum length of hospital stay
- Day-case surgery or clinical operations are covered
- You are welcome to enrol your whole family, with no need for any medical examination
Hospital and Surgical Benefit
- Choice of ward, semi-private and private room levels
- Room and Board
- Miscellaneous Hospital Services
- Private Nursing
- Surgeon's and Attendance Fees
- Anaesthetist's Fees
- Operating Theatre Fees
- In-patient Physician's Fees
- In-patient Specialist's Fees
- Post-hospitalisation Out-patient Care
What's not covered?
Must-ask questions before enrolment
The above information is only a product summary. Please refer to the product brochure and contract for details.
You can contact Bupa through the following channels.