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Bupa Civil Servants

Caring for the health of Hong Kong’s Civil Servants

Bupa Civil Servants medical insurance scheme is designed for civil servants and their dependants. This medical insurance scheme gives you comprehensive protection at a modest subscription. It also covers many pre-existing conditions without raising the subscription.

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Levy collected by the Insurance Authority will be imposed on each policy at the applicable rate. The price quoted (if applicable) does not include the applicable levy yet.
[Welcome offer]

Extra HK$100 shopping vouchers for new members*

*New members of designated plan who register our Bupa4Life app within two months upon policy effective date will receive 1,200 Bupa4Life bonus points which can redeem shopping vouchers valued at HK$100 in the app. Please refer to terms and conditions for details.

Hong Kong's medical insurance company of choice

Bupa has been the medical insurance provider for Hong Kong's civil servants for 26 years and running.

Higher Surgical Benefit

Enjoy higher cover if you need more than one operation because Bupa pays out surgical benefit on a per-operation basis rather than per disability. You can claim up to the maximum benefit limit for each operation.

Comprehensive Mental Health Coverage

This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.

Guaranteed Membership Transfer and Renewal

No matter how much your health changes, we guarantee transfer of your health cover to Bupa CarePro, Bupa MyBasic VHIS Plan or Bupa MyFlexi VHIS Plan.

Modest Subscription

Enjoy hospital benefit for a subscription of around HK$4.4 per day.

No Claims-based Charges

We won't raise your subscription based on how many claims you’ve made. Your subscription will be based on your age only, no matter how much you claim on conditions that arise after your membership starts.

24/7 Medical Professionals Support

A team of qualified nurses and healthcare professionals will provide guidance on your health related questions on the phone, with the support of doctors.

24/7 Customer Care helpdesk

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

Other Health Coaching Services
  • A dedicated Care Manager helps you to follow up on claims. If you are admitted into a local private hospital, the Care Manager will make a courtesy call or visit, with your consent.1
  • Healthcare centre choices and a second medical opinion are available to support you throughout treatment and recovery.2
Other Features
  • Day-case surgery or clinical operations are covered
  • No minimum length of hospital stay
Basic Benefit
  • Hospital and Surgical Benefit
    • Ward/ Semi-private/ Private room levels
    • Room and Board
    • Miscellaneous Hospital Services
    • Private Nursing
    • Surgeon and Attendance Fees
    • Anaesthetist's Fees
    • Operating Theatre Fees
    • In-patient Physician's Fees
    • In-patient Specialist's Fees
    • Day Case Endoscopy Procedure
    • Day Case Viral Warts and Skin Lesions Procedure
    • Post-hospitalisation Out-patient Care
    • Psychiatric Treatments
Optional Benefits
  • Supplementary Major Medical Benefit
    • We pay 80% of the medical expenses in excess of the amount payable under the Hospital and Surgical Benefit
    • You can choose a co-payment of HK$500 or HK$1,500 per claim

  • Clinical Benefit
    • Covers diagnostic imaging and laboratory tests, prescribed western medication, treatment by western physicians, physiotherapists and chiropractors
    • Includes coverage for psychiatric-related treatments and psychological counselling, such as outpatient treatments for psychiatric, psychological, mental or behavioural conditions, senile dementia (including Alzheimer's disease) and Parkinson's disease

  • Bupa Worldwide Assistance Programme
Bupa has set up a series of treatment programmes for members focusing on different specialities, providing personalised care and guidance through network providers and a health coaching team. Through these programmes, you can enjoy the following benefits:
  • Multiple specialties to meet different medical needs
  • Experienced health professionals to guide you from consultation through treatment and follow-up
  • Quality assured network clinics and facilities
  • Cashless treatment with eligible medical card
  • Special loyalty reward for certain programmes (supermarket coupon)
Bupa's one-stop specialist treatment programmes include:
Bupa DAY series
  • Day-case endoscopy
  • Eye day surgeries
  • Clinical treatments for skin conditions
Bupa WAY series
  • Clinical treatments for musculoskeletal pain
For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.
Bupa has set up a series of treatment programmes for members focusing on different specialities, providing personalised care and guidance through network providers and a health coaching team. Through these programmes, you can enjoy the following benefits:
  • Multiple specialties to meet different medical needs
  • Experienced health professionals to guide you from consultation through treatment and follow-up
  • Quality assured network clinics and facilities
  • Cashless treatment with eligible medical card
Bupa's one-stop specialist treatment programmes include:
Bupa DAY series
  • Eye day surgeries
  • Day-case gynaecological procedures
Bupa WAY series
  • Clinical treatments for musculoskeletal pain
  • Guidance and treatments to support breast health
For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.

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.

Talk to us

Contact our health management consultant to get details and advice.

2517 5860

Mon-Fri 9am-9pm (except public holidays)

【Get Quote or Details】

Simply fill in your details below and we will be in touch today or by the next working day. You may also call us directly at 2517 5860.

Member get member

Rewards for referrers

Get HK$300 supermarket coupons for every successful referral!

No limit on the referrals you can make!

Rewards and enrolment discount for referees

The referees can also get HK$300 supermarket coupons if they successfully enrol in any Bupa individual insurance scheme* PLUS the following first-year subscription / premium discount on designated schemes # :

  • 【Limited-time offer】Bupa Hero VHIS Plan up to 54% off for family enrolment and up to 46% off for single enrolment by adding optional benefits.
  • 【New】 Bupa SAFE Critical Illness Insurance Scheme - 20% off for single enrolment, 40% off for 2 or more enrolments
  • Other selected individual medical schemes: up to 30% off

The promotion is valid until 31 December 2022. Act now!


To enjoy the referral reward, the referee must submit the Bupa Member-get-Member Programme Registration Form (PDF, 209KB)together with the Bupa health insurance application.
*The referee must successfully enrol in any Bupa individual insurance scheme with first year’s annual premium or subscription over HK$3,000 or equivalent through a Bupa insurance intermediary.
#Subject to terms and conditions of the programme.

Bupa Member-get-Member programme Terms and Conditions (PDF, 286KB)

Bupa Hero VHIS Plan enrolment offer terms and conditions (PDF, 282KB)

Bupa Safe Critical Illness Plan Welcome Promotion Offer Terms and conditions (PDF, 267KB)
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