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Bupa's extended coverage and supportive services for coronavirus disease and related vaccination side effects

Helping you stay well and be prepared

The coronavirus disease (COVID-19) continues to affect Hong Kong and the world. At Bupa, we're ready to face this health challenge together with you and your loved ones. As your trusted healthcare partner, we have launched a series of supportive measures during our special protection period (from 24 January 2020 to 31 March 2022), with extended support related to COVID-19 vaccination side effects starting from 10 February 2021.

For Bupa members who experience side effects^ after receiving an approved COVID-19 vaccine

(1) COVID-19 vaccination side-effect free hospital cash protection*

Existing Bupa members can enjoy COVID-19 vaccination side-effect free hospital cash protection of HK$800 per day for up to 45 days during this special protection period. This benefit will be payable for eligible members who experience side effects within 14 days of COVID-19 vaccination and are hospitalised for at least 6 hours as recommended by a registered medical practitioner. This special protection is subject to its terms and conditions.

(2) Coverage for eligible medical expenses related to COVID-19 vaccination side effects

During this special protection period, if any existing Bupa members are hospitalised or receive treatment for side effects of COVID-19 vaccination, Bupa shall cover all eligible medical expenses under the terms of their policy.


For Bupa members diagnosed with COVID-19

(1) Coverage for all hospitalisation and corresponding treatment costs related to COVID-19

During this special protection period, if any existing Bupa members are hospitalised due to COVID-19, Bupa promises to cover all eligible expenses under the terms of their policy. If you need to stay in a higher-level ward for isolation reasons, any adjustment factor for the change in ward level will be waived.

(2) Free additional hospital cash protection* for COVID-19

Any existing Bupa member who is hospitalised with COVID-19 to receive medically necessary treatments during this special protection period can enjoy free additional hospital cash protection of HK$800 per day for up to 45 days. This free benefit will be provided regardless of whether the member currently has any hospital cash coverage. This benefit is subject to terms and conditions.


(3) Simplified claims procedures#

If any Bupa member is diagnosed with COVID-19, eligible expenses incurred for curative treatment of COVID-19 itself will be covered according to the terms of the policy during this special protection period.

(latest updated on 27 September)


(4) 24-hour Novel Coronavirus Healthline and Customer Care helpdesk

Bupa members can call our special 24-hour Novel Coronavirus Healthline (2517 5358) at any time to ask qualified nurses for health information related to COVID-19. This team of experts can provide assistance and health advice. At the same time, Bupa's 24-hour Customer Care helpdesk is always available to answer customer enquiries about insurance policies and claims.

* Terms and conditions apply.

# Medical claims for COVID-19 take priority in processing. Pre-authorisation is not required before hospital confinement.

^ Side effects are adverse events after vaccination as defined by the World Health Organisation. They can include any abnormal sign, symptom or disease but not infection with COVID-19.

If you’re a Bupa Global customer, please visit for the guidance on COVID-19.

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  1. Who is eligible to receive the hospital cash protection for confirmed COVID-19 diagnosis and COVID-19 vaccination side effects?
    Existing members of both Bupa and Hang Seng Bupa personal and group medical hospitalisation insurance plans underwritten by Bupa (Asia) Limited are eligible for these free benefits. If you're a Bupa Global customer, please visit .

  2. I’m covered under a Bupa individual plan and a Bupa group plan. Can I receive the hospital cash protection under each plan?
    No, both the hospital cash protection for confirmed COVID-19 diagnosis and COVID-19 vaccination side effects will only be paid to you once, no matter how many Bupa health insurance plans you have.

  3. My plan already includes hospital cash protection. Will I still be entitled to the hospital cash protection for confirmed COVID-19 diagnosis and COVID-19 vaccination side effects?
    Regardless of whether your plan includes hospital cash, these special hospital cash protections will be provided free of charge on top of the existing coverage of your plan.

  4. Can I submit claims for the hospital cash protections for confirmed COVID-19 diagnosis and COVID-19 vaccination side effects at the same time?
    Even though you may be eligible for both special hospital cash protections under confirmed COVID-19 diagnosis and COVID-19 vaccination side effects, you can only claim for either of these special hospital cash protections (maximum HK$800 each day up to 45 days) during the same confinement. However, for confinements due to different medical conditions, you can submit claims for both special hospital cash protections separately according to the claims provisions of your plan together with the required supporting documents.

  5. What is the claim procedure and the related benefit amount?

    For hospital cash protection
    If you were hospitalised for at least 6 hours with confirmed COVID-19 diagnosis or due to side effects after receiving an approved COVID-19 vaccine, you can submit a hospital claim together with your vaccination records (for COVID-19 vaccination side effects) and any supporting documents from your hospital stay. Then you can enjoy hospital cash protection of HK$800 for up to 45 days.

    For medical expenses incurred due to confirmed COVID-19 diagnosis or COVID-19 vaccination side effects
    You can submit your claim for hospitalisation and/or outpatient consultation by following Bupa’s regular claims procedures. Your eligible claims will be covered according to the limits shown in your plan’s Schedule of Benefits for Hospital and Surgical Benefit and/or Clinical Benefit.

  6. When is the deadline to submit claims for the hospital cash protection?
    You should submit your claims under these special protections according to the claim procedures of your plan, which is generally within 90 days.
At Bupa, the health and safety of our customers and our people is our priority. As an international healthcare company, many of our teams are at the frontline of the medical response to COVID-19.

After the HKSAR Government activated the Emergency Response Level for novel infectious disease, we have implemented infection control measures in our offices so that we can continue to support our customers appropriately, minimising risk to customers or our people. These measures include temperature screening at the entrances of Bupa office areas for staff/clients/visitors upon arrival.

To reduce the risk of the spread of COVID-19 in the community, we encourage customers to contact us via electronic methods such as email, fax, hotline and online form. Bupa members are also recommended to use our customer portal myBupa by downloading the myBupa app or accessing the website to carry out policy administration or claims enquiries.

As this health issue may impact some of our customers across Hong Kong, you might experience longer wait times when calling us. We appreciate your patience as we try to provide the right support to everyone. We are monitoring developments closely and will continue to update our website.

Worried about coronavirus disease (COVID-19)? We’ve prepared a quick guide, with the help of our medical experts.

What is the coronavirus?
Coronaviruses are a group of viruses that cause illnesses such as the common cold, to more severe conditions such as pneumonia, Middle East Respiratory Syndrome (MERS) and Severe Acute Respiratory syndrome (SARS). COVID-19 is the infectious disease caused by the most recently discovered coronavirus, which is new and not previously known.

What are the symptoms?
The main symptoms of COVID-19 include:

  • Respiratory symptoms (like those you have with a cold)
  • Fever (high temperature)
  • Cough
  • Shortness of breath
  • Breathing difficulties
In more severe cases the virus can cause pneumonia, organ failure and death. It’s important to note though that most cases so far seem to have been mild. The most serious cases in Wuhan seem to have happened in people with pre-existing health conditions. 

To reduce the risk of contracting pneumonia and respiratory tract infections, maintaining good personal hygiene at all times and keeping both hands clean is a priority. If you’re travelling outside of Hong Kong, do not touch animals, eat game meat and avoid visiting wet markets, live poultry markets or farms.

Here are a couple more tips to help you and your loved ones stay healthy and well.

  • Keep your hands clean, especially before touching your mouth, nose or eyes; after coming in contact with handrails or door knobs in public areas; or after covering your mouth during a sneeze or cough.
  • Wash hands with liquid soap and water, and rub for at least 20 seconds. Don’t forget between the fingers, the back of your hands and wrists. If you can’t wash your hands, you can rub your hands with 70 to 80% alcohol-based handrub as an effective alternative;
  • Cover your mouth and nose with tissue paper when sneezing or coughing. Dispose of soiled tissues into a lidded rubbish bin, then wash hands thoroughly;
  • Wear a surgical mask if you’re going into crowded places, such as public transport or the workplace;
  • If you’re feeling unwell, wear a surgical mask, avoid going to crowded places and seek medical advice promptly. If you’re experiencing symptoms related to COVID-19 (i.e. fever, cough and/or shortness of breath), please go to the nearest hospital for medical advice;
  • Avoid non-essential travel. If you’ve just returned from abroad, follow the government’s required quarantine procedures; and
  • At home, drainage pipes can be properly and regularly (about once a week) maintained by pouring about half a litre of water into each drain outlet (U-traps) to ensure environmental hygiene.

How to wear a surgical mask properly

How to clean our hands properly

Source: CHP, Department of Health

There’s a lot of information out there. Make sure you’re reading trusted sources, such as the Centre for Health Protection and World Health Organisation . You can also read advice from our global medical experts at Bupa UK and Bupa Australia & New Zealand for more information.

The above summary of our insurance products is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of these products.

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Contact our health management consultant to get details and advice.

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