Bupa Care Bridge

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For hospital confinement, prescribed non-surgical cancer treatment, prescribed diagnostic imaging tests and day case procedures, please submit a pre-authorisation form to Bupa at least 2 working days before treatment in Hong Kong and 5 working days in Mainland China and present your pre-authorisation confirmation at registration. For details of obtaining pre-authorisation, please refer to the Policy and the Membership Guide.

Bupa will settle your eligible medical expenses with the designated hospitals directly, subject to the approved credit limit stated in your pre-authorisation confirmation / guarantee of payment letter. You’ll need to pay any medical expenses exceeding the credit limit and submit a claim to Bupa for reimbursement. If you’ve chosen a deductible, or your medical expenses exceed the maximum limit or aren’t covered, you’ll also need to reimburse Bupa for the selected deductible and shortfall.

For the list of designated hospitals and medical service centres in Hong Kong and Mainland China, please visit bupa.com.hk/care-bridge. If you’re unable to get pre-authorisation due to an emergency, please arrange subsequent pre-authorisation on the next working day.

Applicable to Plus Plan only:

You can also use your Bupa Medical Care Card (BMC Card) to enjoy cashless service for hospital confinement, prescribed non-surgical cancer treatment, prescribed diagnostic imaging tests and day procedures at designated hospitals in Hong Kong. If you are enrolled in the Plus Plan, you may also use it at designated medical centres in Hong Kong for the outpatient services available under and the Clinical Benefits of your Policy.​

You have to apply for pre -authorisation for hopitalisation in the designated hospitals in Hong Kong and Mainland China. Once the pre-authorisation is approved, you can enjoy a semi-private room in our designated hospitals in Hong Kong. For designated hospitals in Mainland China, you will be comfortably accommodated in a standard private room.

You can enjoy full benefit coverage for hospitalisation at the restricted ward class or lower as stated in the Summary of Benefits. If you’re voluntarily hospitalised at a higher ward class, Bupa will adjust your reimbursement based on the terms of your Policy.

A deductible is the amount you’ll pay towards eligible expenses under the scheme before Bupa starts paying your medical expenses. You can offset the selected deductible with reimbursement from your group medical plan or existing health insurance, if any, or simply pay the expenses yourself. Here’s some examples of the reimbursement calculation:

Example 1
Mr. Chan has enrolled in the “Basic Plan – HK$10,000 Deductible” option under the Bupa Care Bridge Health Insurance Scheme. He received a minor operation in hospital and spent HK$50,000 on the bill. The expenses were 100% eligible for reimbursement. After applying the deductible amount, Bupa paid:

HK$50,000 – HK$10,000 (deductible) = HK$40,000

Mr. Chan offset the HK$10,000 deductible by making a claim under another medical plan. He didn’t need to pay a penny out of his pocket.

Example 2
Miss Wong has enrolled in the “Plus Plan – HK$60,000 Deductible” option under the Bupa Care Bridge Health Insurance Scheme. She received a minor operation in hospital and spent HK$60,000 on the bill. The expenses were 100% eligible for reimbursement. After applying the deductible amount, Bupa paid:

HK$60,000 – HK$60,000 (deductible) = HK$0

As the medical expenses equals to the amount of deductible, Miss Wong is required to settle this bill herself. Subsequent eligible claims incurred within the same policy year will be covered by Bupa in accordance with the policy.