Tips for first-time buyers

There are so many types of insurance products in the market. Before purchasing, you must first understand what protection you really need, and clearly understand the terms and coverage of the plan.

Example 1

What’re the differences between medical insurance and critical illness insurance?

Example 2

I have a new baby. Should I buy medical insurance for him?

Example 3

My employer provides group medical insurance. Do I still need to buy individual medical insurance?

Example 4

Do I need to pay an additional premium at renewal if I made claims for hospital and surgical expenses throughout the year?

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Exciting enrolment offer on Bupa Hero VHIS
Get discounts worth up to 80% of first-year premiums!
Terms and conditions apply.

Why choose Bupa

Why choose Bupa

In Hong Kong, we are known as the health insurance specialist, offering one-stop solutions across domestic health insurance, international health insurance, as well as primary care services through Quality HealthCare Medical Services (QHMS). We have gained the trust of more than 400,000 individuals and 3,200 companies.

Learn more

24/7 Customer Care helpdesk

Available 24 hours every day, our Customer Service team will directly answer your policy-related questions.


Health Coaching Services

A team of qualified nurses, health management professionals and doctors can provide you with expert guidance and take care of your healthcare needs.


Electronic services

Use our myBupa and Blua Health apps to manage your policy and your health with ease!

Common questions See all
How to choose a VHIS plan?
As there are many VHIS plans available, we should not merely compare the premiums but pay more attention to the details to select a VHIS plan with a higher price–performance ratio... Read more
What's the difference between medical and critical illness insurance?
Many people are unsure about the differences between medical insurance and critical illness insurance. While they both provide protection for the insured, the two actually serve different purposes... Read more
What is a deductible?
A deductible is the portion of eligible medical expenses paid by the subscriber up to an agreed amount before the insurance company starts to pay for expenses over that amount in a claims settlement... Read more
What is hospital cash insurance?
Hospital cash gives you cash compensation when you are hospitalised, protecting you against the loss of income. A standalone hospital cash benefit plan is payable according to the amount of your daily sum insured... Read more
What is loading?
Loading is a term used in the insurance industry to refer to the extra charge added to the subscription at renewal due to previous claims made by the subscriber... Read more
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