What does Bupa Crystal medical insurance include?
The Bupa Crystal medical insurance scheme covers hospital expenses at private room level. The medical insurance cover provides full cover benefits for hospital and clinical expenses as well as free body checks. This scheme is suitable for individuals as well as companies that wish to provide superior medical protection for senior executives as their group medical insurance.
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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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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Full cover for hospital and clinical expenses
Full cover for treatment received at any network clinic or network hospital, including Canossa Hospital, Hong Kong Sanatorium and Hospital, St. Teresa's Hospital and Union Hospital.
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Cashless treatment and no claims procedure
When you use your Bupa medical card at any network hospital or network clinic, you don't need to pay any medical bills or even need to lodge a claim.
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Free body check
If you buy Clinical Benefit you'll receive a free body check and preventive programme.
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Other features
- No waiting period, cover starts immediately after your membership takes effect
- 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
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Basic benefit
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Hospital and Surgical Benefit
- Private room level
- Use your Bupa medical card to be admitted to any network hospital, with no deposit required, no hospital bills to pay and no claims procedure to follow
- Full cover for treatment received at network hospitals
- Choose other hospitals outside our network and enjoy cover up to benefit limits
- Benefit items include:
- Room and Board
- Miscellaneous Hospital Services
- Intensive Care
- Private Nursing
- Home Nursing
- Surgeon and Attendance Fees
- Anaesthetist's Fees
- Operating Theatre Fees
- In-patient Physician's Fees
- In-patient Specialist's Fees
- Companion Bed
- Pre-admission and Post-hospitalisation Out-patient Care
Free benefits
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Free Bupa Lifelong Preventive Programme
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Free Loyalty Bonus Programme (for members aged 18 or above)
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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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Clinical Benefit
- Using your Bupa medical card, you don't need to pay any medical bills or even need to lodge a claim
- Covers prescribed western medication and full cover for treatment by western physicians, physiotherapists, chiropractors, Chinese herbalists and Chinese bonesetters as well as diagnostic imaging and laboratory tests
- Around 1,800 network doctors and medical service providers
- Choose doctors outside our network and enjoy cover up to benefit limits
- Lifetime renewal guaranteed
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Hospital Cash Benefit
- A daily cash sum of up to HK$1,500 for 365 days per year (a total of HK$547,500). Limit of 182 days for hospitalisation overseas.
- Lifetime renewal guaranteed
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 in writing)
- Treatment or test which is not medically necessary
- Any injury or sickness for which compensation is payable under any laws or regulations or any other insurance policy or other source except to the extent that such charges are not reimbursed by such laws or regulations or other insurance policy or other source
- 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 and 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 (unless approved by Bupa), eye refraction including 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 as a member under this contract 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 the treatment falls within the definition of Complications of Pregnancy and if so the actual medical expenses incurred as a direct result of such treatment for any Complication of Pregnancy shall only be payable under Hospital and Surgical Benefit); birth control or sterilisation of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction, pre-mature 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 injury or disease 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 equipment such as wheel chairs and crutches
- Any treatment or investigation related to dental or gum conditions (unless benefit is available) 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/procedure not yet approved by Bupa
- Supportive treatment of renal failure including dialysis
- 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, you should 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.
- Who can apply?
- Anyone aged 18 to 59 years, their spouse aged 18 to 59 years, and their unmarried children aged below 18 or 23 years if in full-time education, can apply.
- How do I pay my subscription?
- You can pay your subscription annually by cheque or credit card, or in 12 monthly interest-free instalments.
- 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 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.
- How can I search the doctors in Bupa's network?
- When you become a member, we will send you a List of CrystalNet Service Providers. You may also log into Bupa Active on our corporate website to search doctors by district.
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.
