What does Bupa Gold medical insurance include?
The Bupa Gold medical insurance scheme covers hospital expenses at private room level. This medical insurance scheme includes hospital benefit, clinical benefit, maternity benefit and dental benefit.
Special offer: Two months free cover for joint enrolment in Bupa CarePro. One month free cover for single enrolment. Offer expires on 30 June.
Key features
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Lifetime medical insurance guaranteed
Bupa guarantees that you can renew your cover for life, regardless of your claims history.
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Full cover
We fully cover room and board charges and miscellaneous hospital services expenses. Consultation fees of western physicians, physiotherapists and chiropractors are fully covered.
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Cashless treatment and no claims procedure
When you use your Bupa medical card at any local private hospital or network clinic, you don't need to pay any medical bills or even need to lodge a claim.
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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.
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Other features
- Maternity Benefit and Dental Benefit of your choice
- Whatever claims you've made, we won't add any extra individual charges when you renew your contract.
- No waiting period, cover starts immediately after your membership takes effect
- No minimum length of hospital stay
- 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
- 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
- Companion Bed
- Pre-admission and Post-hospitalisation Out-patient Care
Free benefits
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Free Overseas Medical Contingency Top-up Benefit
- Additional cover of HK$500,000 for emergency medical treatment overseas
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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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Bupa Wellness Programme
- Each member aged 18 or above will enjoy a complimentary Wellness Service specified by us or redeem up to HK$1,000 worth of other healthcare services once every year
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Clinical Benefit
- Covers prescribed western medication, Chinese herbalists and Chinese bonesetters, diagnostic imaging and laboratory tests and full cover for treatment by western physicians, physiotherapists and chiropractors
- Free choice of doctors
- When you use your Bupa medical card you don't need to pay any medical bills or even need to
lodge a claim
- Around 1,800 network doctors and medical service providers accept the Bupa medical card
- Lifetime renewal guaranteed
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Dental Benefit
- Two visits of scaling and polishing, unlimited visits for other dental treatment
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Maternity Benefit
- Covers obstetrician's fee charges, hospitalisation charges, prenatal and postnatal check-up costs, and nursery care for newborn baby during a hospital confinement
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 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 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 (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 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, 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 pay much higher subscription after you claim.
- 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 the surgical claim example.
- 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.
- I frequently travel for business. Is this scheme suitable for me?
- Yes. Bupa Gold provides worldwide coverage. In case of emergency overseas, we offer an extra hospital benefit of HK$500,000 and medical repatriation if required.
- How do I pay my subscription?
- You can pay your subscription annually by cheque or credit card.
- 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 Bupa Gold member helpline. 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 search the doctors who accept Bupa's medical card?
- When you become a member, we will send you a List of Network 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.
