What does Bupa Wise Choice medical insurance include?
The Bupa Wise Choice medical insurance scheme is specially designed for employees and their dependants who are already covered by group medical insurance. It provides hospital benefit to supplement your group medical insurance at a modest premium.
Key features
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Supplement your company medical insurance
Bupa Wise Choice gives you hospital cover of up to HK$600,000 per year. You get 80% reimbursement of medical expenses that exceed your group cover or the deductible.
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Modest subscription
As an example, for a member aged 30, the monthly subscription is only HK$44 for ward level benefit of HK$180,000 per year.
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Portable and lifetime cover guaranteed
No matter how your health changes, Bupa guarantees that you can continue your cover throughout your life after you transfer membership to Bupa CarePro.
Transfer to the same room level of Hospital and Surgical Benefit is guaranteed.
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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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Other features
No waiting period, cover starts immediately after your membership takes effect. 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
- Surgeon and Attendance Fees
- Anaesthetist's Fees
- Operating Theatre Fees
- In-patient Physician's Fees
- In-patient Specialist's Fees
- Companion Bed
Free benefit
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Free Overseas Medical Contingency Top-up Benefit
- Extra medical cover of HK$250,000 for emergency medical treatment overseas
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 or investigation 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, 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 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; 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.
- 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/procedure not yet approved by Bupa.
- All terms and conditions are subject to the Contract.
- Who can apply?
- Anyone aged between 15 days and 59 years who is now covered by a group medical insurance scheme
can apply.
- How do I pay my subscription?
- You can pay your subscription monthly or annually.
- How long does it take to process a claim?
- We take 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 Customer Care helpdesk if you need more help.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 get the documentation for this scheme?
- When you become a member, you can download your contract, claims statement and other documents from Bupa Active at our website.
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.
