Bupa Care Bridge Health Insurance Scheme | Cross Border Medical Coverage

Notes:

1. The promotion is offered by Bupa (Asia) Limited (“Bupa”) and valid from 18 May 2026 – 31 August 2026 (both dates inclusive) (“Promotion Period”). For details, please refer to: https://www.bupa.com.hk/-/media/files/pdf/BCB_TnC
2. Full cover shall mean no itemised benefit sublimit. Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to covered expenses and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits. Please refer to the Policy for details.
3. Clinical Benefit is only applicable to Bupa Care Bridge Health Insurance Scheme (Plus Plan).
4. Video consultation for general practice and traditional Chinese medicine consultations are covered under Plus Plan. You must be physically located in Hong Kong to use video consultation services. Please take note that certain medical conditions are not suitable for video consultations, including but not limited to urgent, emergency or critical medical situations. If you are uncertain about whether you have been able to explain your medical concerns through video consultation, you should always seek advice from a doctor in person. Video consultations for general practice and traditional Chinese medicine outpatient services are available exclusively via the eBooking feature of the Bupa HK mobile App. Medication delivery cost is to be paid by the insured person. Medication will generally be delivered on the same day for consultations completed before 6:00 PM (Monday to Friday) or 1:00 PM (Saturday). In certain circumstances, such as courier unavailability, delivery may be postponed to the next working day. Delivery service is available only to patients residing in Hong Kong Island, Kowloon, the New Territories, and selected areas of the outlying islands (Tung Chung, Discovery Bay, and Ma Wan). Patients living in other parts of the outlying islands must collect their medication in person at the designated clinic.
5. Please visit Bupa’s website (https://www.bupa.com.hk/care-bridgewww.bupa.com.hk/care-bridge) for the list of designated hospitals in Hong Kong and Mainland China. This list is subject to change from time to time.
6. Prior to confinement in the designated hospitals, please submit a pre-authorisation request form to Bupa for approval at least 2 working days prior to admission in Hong Kong, and at least 5 working days prior to admission in Mainland China. Once the pre-authorisation is approved, you can enjoy standard private room in Mainland China and semi-private room in Hong Kong. If no pre-authorisation has been submitted, or if the pre-authorisation is not approved, you may still be admitted to wardroom at designated hospitals in Mainland China and Hong Kong.
7. At the time of renewal, the discount will be applied to the renewal premium and premium loading of Bupa Care Bridge Health Insurance Scheme, if no claim on Basic Benefit was paid during the specific period.
8. Family discount will be applied to the standard premium and premium loading of Bupa Care Bridge Health Insurance Scheme only. The discount will be valid as long as the eligible family members are all covered under a Bupa Care Bridge Health Insurance Scheme at the same time.
9. Bupa guarantees that your cover can be renewed every year for life, as long as you meet the requirements as stated in the renewal provisions of your policy terms and conditions.
10. Bupa shall have the right to ask for proof of recommendation, e.g. a written referral or a supporting statement on the claim form from the attending doctor or Registered Medical Practitioner.
11. Claims for the Eligible Expenses incurred on prior outpatient visits or Emergency consultations (if applicable) shall be submitted to Bupa within ninety (90) days after (a) the date on which the Insured Person is discharged from the Hospital or (b) the date on which the Day Case Procedure is performed, as the case may be.
12. No waiting period for Clinical Benefit.
13. Clinical Benefit can only be used at Designated Service Centres. Please scan the QR code on your welcome pack for the full list of Designated Service Centres eligible under the Clinical Benefit. This list is subject to change from time to time.
14. The Coverage is subject to a maximum of one visit per item per day.
15. Virtual consultations with General Practitioners and Chinese herbalists are covered while delivery cost is to be paid by the Insured Person.
16. All Specialist referral letter requirement is waived.
17. A priority booking hotline is available at 8100 0456. Specialist consultations can be arranged within 3 days, and diagnostic imaging services within 7 days, subject to the availability of each Designated Service Centre.
18. Physiotherapist, X-ray and laboratory tests must be referred by a General Practitioner or Specialist of the Designated Service Centres and the referral letter shall be valid for 6 months since the consultation date.
19. The concierge service helps you to arrange one-way transportation of up to 50 km, departing from a designated hospital located within Shenzhen to your place of residence if you reside in Shenzhen or Hong Kong, or to drop you off at Futian Port or Luohu Port. For cross-border journeys to Hong Kong, travel is limited to via Shenzhen Bay Port or Huanggang Port. For non-cross-border travels, transportation is available within Shenzhen only and no intercity travel. This service is limited to transport booking, and all costs of the transportation (e.g. vehicle hire, tolls, tips to driver, etc.) will be payable by the insured person. This service is subject to terms and conditions.
20. Bupa Medical Care Card is offered to insured persons of Plus Plan, which is a cashless service for settling the expenses incurred at designated hospitals for confinement, prescribed diagnostic imaging test, prescribed non-surgical cancer treatment and day case procedure, and at designated service centres for outpatient services available under the Clinical Benefit of your Policy. Your Bupa Medical Care Card is not applicable to the outpatient department of a local private hospital. You are required to follow the procedure on obtaining pre-authorisation from Bupa to enjoy this service. Bupa will directly pay your eligible medical expenses to the hospitals and service providers, subject to the credit limit stated in your pre-authorisation letter and the benefit limit available under your Policy. You will need to reimburse Bupa for any ineligible medical expenses and deductible, if any.
21. Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon – Fri, 9am to 6pm (Hong Kong time), except public holidays.
22. The 24-hour Mental Health Service Hotline is applicable to insured persons aged 18 or above. Insured persons aged below 18 must be accompanied by the Policy Holder or guardian to use this service. Terms and conditions apply. Please refer to the Policy for details. International call charges may apply to the caller if the call is made outside Hong Kong.
23. Free Bupa Worldwide Assistance Programme is not part of Bupa Care Bridge Health Insurance Scheme. Please inform Bupa in writing if you don’t want to receive this free benefit.