Bupa Safe Critical Illness Insurance Scheme

kv image 1 Critical illness coverage kv image 2 Multiple protection kv image 3 Value for money

Covers up to 98% of all serious critical illnesses^{(see remark 1)} including 85 conditions^{(see remark 2)} and triple protection with a lifetime benefit amount up to HK$3.3M in aggregate^{(see remark 3)}
Monthly subscriptions as low as HK$108^{(see remark 4)}, and easy online enrolment!
Protection against common major critical illnesses like cancer, heart attack & stroke, and other early stage critical illnesses including coronary artery disease requiring angioplasty, carcinoma-in-situ, second cancer and so on
Flexibility to add optional Cancer Treatment Reimbursement Benefit

【High coverage, low subscription!】

Welcome offer: 20% off for single enrolment, 40% off for 2 or more enrolments (Daily subscription from HK$5)!*

Enrol now and get:
H. pylori 13-C urea breath test (valued at HK$700) and
"Vitamin E cream improved formula" (valued at HK$136.9)!*
*Applicable to annual payment only. New Bupa Safe Critical Illness Insurance Scheme member who register our Bupa4Life wellness App within two months upon contract effective date will receive a free H. Pylori 13-C Urea Breath Test. The gifts are available on a first-come, first-served basis while stocks last. Terms and conditions apply.

Relax! Bupa's here to turn danger into safety!

Critical illness insurance

Maintains your income when you're sick, pays for your medical and living expenses

Medical insurance

Mainly to support your treatment and hospitalisation expenses

Medical insurance pays for your actual treatment costs and provides reimbursement of eligible medical expenses up to specified benefit limits. On the other hand, critical illness (CI) insurance provides a lump sum compensation when you're diagnosed with a covered illness. There's no limitations on how you use the lump sum payment.

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You may encounter these problems if you're diagnosed with a critical illness…

Significant expenses

Significant medical costs plus ongoing daily expenses, such as mortgage payments, rent, children's tuition fees…

Long-term treatment and recovery

Taking time off work for treatments and to recover from a critical illness will quickly use up your paid sick leave^{(see remark 5)}

Losing source of income

Losing your ability to work and your source of income

Bupa Safe Critical Illness Insurance Scheme: How comprehensive is it?

Bupa Safe Critical Illness Insurance Scheme covers 3 major critical illnesses including cancer, heart attack and stroke, as well as 5 early stage critical illnesses such as carcinoma-in-situ and coronary artery disease requiring angioplasty. You can also upgrade to include a total of 85 covered conditions, for 98% coverage of all serious critical illnesses^{(see remark 1)}. What's more, you can add the optional Cancer Treatment Reimbursement Benefit to cover medical expenses for cancer.

Covers critical illnesses caused by COVID-19

Studies have shown that the after effects of COVID-19 may include critical illnesses such as heart attack, stroke and so on*. We understand that you may worry about these increased health risks. For greater peace of mind, this scheme will be payable if you're diagnosed with any of the covered critical illnesses.

*Source: Long-term Health Consequences of COVID-19, JAMA. Oct 2020;324(17):1723-1724.

Base Plan A

Optional Benefit B

Optional Benefit C

Covered illnesses	Covered illnesses Cancer Stroke Heart Attack 5 other early stage critical illnesses See 3 major and 5 early stage critical illnesses covered	Covered illnesses Kidney Failure Parkinson's Disease End Stage Lung Disease A total of 77 extra major critical illnesses See all extra 77 covered major critical illnesses	Covered illnesses Cancer Treatment Reimbursement Benefit Reimburses hospital and surgical expenses for covered cancers, plus extra benefits for out-patient care and monitoring, extended care and so on, and an experimental treatment cash allowance for enhanced protection with the latest technology
Coverage	Coverage Critical Illness Basic Benefit Major Critical Illness Benefit + Early Stage Critical Illness Benefit + Additional Cancer Benefit for a second cancer claim^{(see remark 11)}	Coverage Extended Major Critical Illness Benefit Covers an extra 77 major critical illnesses
	Together Plan A and Optional Benefit B cover a total of 85 conditions for 98% coverage of all serious critical illnesses^{(see remark 1)}
Lifetime Benefit Amount in aggregate	Lifetime Benefit Amount in aggregate Plan A3 Plan A2 Plan A1 HK$3,300,000 HK$2,200,000 HK$1,100,000 Lifetime Benefit Amount in aggregate refers to the total of the below 3 items: Major Critical Illness Benefit HK$1,500,000 HK$1,000,000 HK$500,000 + Early Stage Critical Illness Benefit HK$300,000 HK$200,000 HK$100,000 + Additional Cancer Benefit^{(see remark 12)} HK$1,500,000 HK$1,000,000 HK$500,000		Lifetime Benefit Amount in aggregate Diagnosis and Testing Benefit^{(see remark 6)} , Hospital and Surgical Benefit^{(see remark 7)} Full cover up to HK$500,000/ HK$1,000,000 per contract year Extended Care Benefits^{(see remark 8)} Payable for 90% of eligible expenses, up to HK$20,000/ HK$40,000 per contract year with a lifetime limit of HK$60,000/ HK$120,000 in aggregate Out-patient Care and Monitoring Benefit^{(see remark 9)} HK$50,000/ HK$100,000 per contract year Experimental Treatment Cash Allowance^{(see remark 10)} Payable once per lifetime, with a lifetime limit of HK$30,000/ HK$60,000
Issue age	Issue age Aged 15 days to 60 years (Enrolment from age 56-60 years (inclusive) limited to Plan A2 or A1 only)
Renewal	Renewal Guaranteed renewal up to age 100^{(see remark 11)}
Period of cover	Period of cover One year, renewable every year automatically^{(see remark 22)}
Waiting period	Waiting period 90 days
Cooling-off period	Cooling-off period 21 days

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Product details

Is Bupa Safe good or not? Comparing term CI products

The definitions of critical illnesses and terms play an important role in critical illness claims. Compared with the variety of term CI products in the market, Bupa Safe Critical Illness Insurance Scheme provides wider coverage which better fits your protection needs. So you can rest assured you're prepared for whatever the future holds.

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Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Second cancer

Plan A

After Major Critical Illness Benefit has been paid (including cancer), if you're diagnosed with a new cancer, or you have a recurrence or distant metastasis^{(see remark 12)} 1 year later, you can receive the Additional Cancer Benefit with a lump sum payment of the same amount as the Major Critical Illness Benefit.

Some products only cover one cancer

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

1-year waiting period for a second cancer claim

Plan A

Only 1-year waiting period for a second cancer claim after Major Critical Illness Benefit has been paid ^{(see remark 12)}

Some products have a waiting period of up to 5 years for the second cancer claim

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Early stage cancer and carcinoma-in-situ

Plan A

Up to HK$300,000 Early Stage Critical Illness Benefit if the member is diagnosed with early stage cancer and carcinoma-in-situ in specific locations

Some products don't cover this

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Coronary artery disease requiring angioplasty

Plan A

Up to HK$300,000 Early Stage Critical Illness Benefit if the member is diagnosed with coronary artery disease requiring angioplasty

Some products don't cover this

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Carotid artery disease requiring surgery

Plan A

Up to HK$300,000 Early Stage Critical Illness Benefit if the member is diagnosed with carotid artery disease requiring surgery

Some products don't cover this

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Endovascular treatment for cerebral aneurysm

Plan A

Up to HK$300,000 Early Stage Critical Illness Benefit if the member is prescribed endovascular treatment for cerebral aneurysm

Some products don't cover this

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

No survival period

Plan A

Optional Benefit B

The critical illness benefit will still be paid even if the member passes away right after the diagnosis of a covered critical illness^{(see remark 13)}

Some products have a survival period of 14 days. No payments will be made if the member passes away within 14 days after the diagnosis of a covered critical illness

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Upgrade to include a variety of critical illnesses

Optional Benefit B

Offers Optional Benefit B, to include an additional 77 conditions which covers 98% of all serious critical illnesses^{(see remark 1)}

Some products only cover 3 major critical illnesses (cancer, heart attack and stroke), or even one, without optional benefits

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Upgrade to include Cancer Treatment Reimbursement Benefit

Optional Benefit C

Offers Optional Benefit C on top of lump sum critical illness benefits to cover hospitalisation, surgery, non-surgical cancer treatment and outpatient expenses for cancer and carcinoma-in-situ

Some products don't offer cancer treatment benefits

Bupa Safe
Critical Illness
Insurance Scheme

Other term CI products

Coverage for cancer treatment expenses restored each year

Optional Benefit C

The coverage for major benefit items will be restored each contract year. If the treatment course for a cancer spans several years, your coverage will be renewed each year

Some products have benefit limits for each cancer case. If the treatment course for a cancer spans several years, the limit will be used up quickly

Total subscriptions for 20 years

Bupa Safe

HK$111,902

Critical illness savings plans HK$500,568

Lower subscriptions for critical illness coverage

Bupa Safe Critical Illness Insurance Scheme is a pure protection plan without savings elements, which offers greater protection at an affordable price.

On the other hand, some critical illness insurance plans are also savings plans. With these plans, members can get a cash payment if they choose to surrender the policy (when no major claim has been made). That's why the subscriptions for critical illness savings plans are usually higher. However, if members want to surrender their policy at an early stage, the cash value they receive may actually be lower than the total subscriptions paid.

If you choose Bupa Safe Critical Illness Insurance Scheme, you can get critical illness coverage at a lower subscription, and use the saved subscriptions for other investments more flexibly.

#Comparing a 25-year-old non-smoker enrolling in the Bupa Safe Critical Illness Insurance Scheme (Plan A3 + Optional Benefit B) and the average total subscriptions of 8 whole life critical illness insurance plans with contribution periods of 18-20 years. The basic coverage of the compared plans is all HK$1,000,000.

Cancer treatment can cost a million dollars^{(see remark 14)}

The chance of getting cancer is high in comparison with other critical illnesses. The chances of having cancer before the age of 75 are 25% for men and 20% for women^{(see remark 15)}. With advances in medical technology, cancer is no longer incurable. However, you shouldn't underestimate the cost of cancer treatments.

Most of the drugs for targeted therapy and immunotherapy are listed as self-funded by the Hospital Authority. The median cost of self-financed drugs for treating late stage cancer in public hospitals is HK$266,677^{(see remark 16)}.
Taking colon cancer (the most common type of cancer) as an example, the median cost of overall treatment at private hospitals is as high as HK$1,293,000^{(see remark 14)}.
Research has found that 19% of cancer patients didn't receive the most ideal treatment because they couldn't afford the necessary expenses^{(see remark 14)}.

Optional Benefit C

Cancer Treatment Reimbursement Benefit – extra cover for cancer treatment expenses up to HK$1,000,000 annually, plus extra benefits for out-patient care and monitoring, extended care and so on, and an experimental treatment cash allowance for enhanced protection with the latest technology

Full cover worldwide on treatment expenses for cancer and carcinoma-in-situ, including hospitalisation, surgeries, non-surgical cancer treatments and diagnostic tests, up to HK$500,000/HK$1,000,000 per contract year^{(see remark 17)}

Provides out-patient coverage at every stage, from pre-treatment tests to confirm your diagnosis, pre- and post-hospitalisation out-patient care to long-term out-patient monitoring after discharge

Extended coverage with HK$20,000/HK$40,000 per contract year^{(see remark 18)} for Chinese herbalist visits, acupuncture, psychological counselling, complementary therapy and so on, to help you recover

Unique in the market, we'll offer you a lump sum cash allowance of HK$30,000/HK$60,000^{(see remark 19)} for experimental treatments, so you can fight against cancer with the latest technology

Preventive check-up benefit^{(see remark 20)}

You can convert to Bupa MyFlexi VHIS Plan (Standard) or Bupa MyBasic VHIS Plan without underwriting^{(see remark 21)} after you've been enrolled in this benefit for 5 years. New conditions that appeared after enrolment in Optional Benefit C will be covered after conversion without loading.

You may add Optional Benefit C on top of your existing group medical scheme to enhance your cancer protection.

Cashless treatment ^{(see remark 23)}
You'll receive a Bupa SafeNet Card with this benefit. Using your Bupa SafeNet Card, you can enjoy cashless treatment when receiving treatment for a covered cancer during confinement, day case or non-surgical cancer treatment at designated private hospitals and Bupa SafeNet Appointed Service Providers in Hong Kong. We'll settle your eligible expenses directly with the hospital or service provider (subject to your pre-approved limit).

Example cases

Emily

office worker

Nicole

freelancer

Dave

manager at a small- to medium-sized enterprise, father with 1 child

Emily office worker

Enrolled in Bupa Safe Critical Illness Insurance Scheme – Plan A2 + Optional Benefit B, with $1,000,000 Major Critical Illness Benefit. She also added Optional Benefit C Cancer Treatment Reimbursement Benefit with $500,000 in coverage.

Emily's family has a history of cancer. She's very concerned about cancer coverage and has chosen Bupa Safe Critical Illness Insurance Scheme.

Age 30

Emily was diagnosed with liver cancer which required surgery and targeted therapy. She received a lump sum payment of $1,000,000 under the Major Critical Illness Benefit. Her related treatment costs added up to around $480,000 and were fully covered under Cancer Treatment Reimbursement Benefit.

Age 35

Emily's medicine for targeted therapy cost around HK$40,000 per month. Her therapy continued for another year which cost around HK$480,000 in total. Luckily, Emily's coverage under Cancer Treatment Reimbursement Benefit is restored each contract year, so her treatment costs are still fully covered.

Age 36

Nicole freelancer

Enrolled in Bupa Safe Critical Illness Insurance Scheme – Plan A1, with HK$500,000 Major Critical Illness Benefit.

Nicole is a self-employed slasher without group medical protection. She's concerned about her health and has enrolled in Bupa Safe Critical Illness Insurance Scheme.

Age 25

Nicole was diagnosed with breast cancer and received the lump sum payment of HK$500,000 under her Major Critical Illness Benefit. She stopped working for a year to concentrate on recovery. Bupa's health coaching team provided a variety of support to Nicole, from helping her understand her illness and providing a list of doctors, clinics and hospitals for her reference, to emotional support and health information, such as dietary tips and cancer care during her treatment and recovery. A care manager also helped Nicole to follow up on claims so she didn't need to worry at all.

Age 29

Nicole's breast cancer recurred. As the 1-year waiting period for Additional Cancer Benefit had passed, she could get an additional HK$500,000 lump sum payment to support her living expenses.

Age 31

Dave manager at a small- to medium-sized enterprise, father with 1 child

Enrolled in Bupa Safe Critical Illness Insurance Scheme – Plan A3 + Optional Benefit B, covers up to 85 critical illnesses, with HK$1,500,000 Major Critical Illness Benefit.

Dave has a good head for numbers. He thinks his group medical scheme coverage isn't enough to protect against major illnesses, while critical illness savings plans are too expensive. That's why he chose Bupa Safe Critical Illness Insurance Scheme.

Age 40

Dave was diagnosed with coronary artery disease and needed angioplasty. He received a lump sum payment of HK$300,000 under the Early Stage Critical Illness Benefit. This payment covered Dave's mortgage fees and his son's international school tuition fees, so he could focus on recovery.

Age 42

Dave was diagnosed with kidney failure due to poor diabetes control. He received a lump sum payment of HK$1,500,000 under the Major Critical Illness Benefit. As Dave needed to receive long-term dialysis, he switched from working full-time to part-time at home. Although his income was reduced, the critical illness coverage helped support his living expenses.

Age 48

At age 52, Dave was diagnosed with lung cancer. Luckily, he could get an extra HK$1,500,000 from Additional Cancer Benefit to support his living expenses. Although Dave had several critical illnesses over the years, Bupa Safe Critical Illness Insurance Scheme covered all his needs, so he could focus on treatment and recovery.

Age 52

Health Coaching Services
and Cancer Care
Programme

24-hour
Customer Care Helpdesk

Manage your health
and get rewards
with Bupa4Life

We know that patients may be overwhelmed after being diagnosed with cancer. Our Health Coaching Services can arrange for you to get a second medical opinion on covered critical illnesses, doctor referrals and more. You can also call our 24-hour Healthline for guidance, and get support from our Care Managers throughout treatment and recovery, from explaining your treatment plan and overseeing costs to arranging follow-up consultations and claims.

Under our Cancer Care Programme, cancer patients can also receive personalised follow-up from our qualified nurses and health management professionals throughout their cancer journey, including emotional support and a variety of health information such as cancer care and dietary tips.

Traditional Chinese medicine therapies may help relieve the effects of cancer treatment. That's why we'll also provide health information for your reference to help improve your quality of life. What's more, members who have opted for Cancer Treatment Reimbursement Benefit can present their Bupa SafeNet Card to enjoy member privileges for treatments on covered cancers at Bupa's selected traditional Chinese medical centre(s). Please call our 24/7 Healthline for details (privileges and selected centres may be subject to change from time to time).

Bupa's selected traditional Chinese medical centre(s) include:

Quality HealthCare Chinese Medicine Centre
Address: Room 520-523, 5/F, Prince's Building, 10 Chater Road, Central, Hong Kong

We understand you may feel worried when you're sick. Our 24-hour Customer Care Helpdesk is dedicated to supporting customers in submitting claims.

bupa safe

Use our wellness app Bupa4Life to manage your health and get rewards! Through Bupa4Life, you can track your progress, book into wellness classes and read health tips from experts. You can also earn points to redeem rewards for healthy living. Download Bupa4Life now and start living healthy today!

Frequently asked questions

What is the Bupa Safe Critical Illness Insurance Scheme?

The Bupa Safe Critical Illness Insurance Scheme offers lump sum payments when you're diagnosed with specified critical illnesses, to support your critical needs. Bupa Safe Critical Illness Insurance Scheme is designed to be flexible so it can meet different people's needs.

Plan A: Covers 3 major critical illnesses: cancer, heart attack and stroke. It also covers early stage critical illnesses (such as carcinoma-in-site, coronary artery disease requiring angioplasty, carotid artery disease requiring surgery) and a second cancer claim.
Optional Benefit B: Upgrade to a total of 85 conditions for 98%^{(see remark 1)} coverage of all serious critical illnesses.
Optional Benefit C: Cancer Treatment Reimbursement Benefit to reimburse medical expenses for cancer and carcinoma-in-situ.

Do I need to enrol in Bupa Safe Critical Illness Insurance Scheme Plan A, Optional Benefit B and C together?

You need to enrol in Plan A for coverage of 3 major critical illnesses, early stage critical illnesses and Additional Cancer Benefit. Apart from that, you can choose to add Optional Benefit B and/or C according to your budget and needs, to enhance your overall coverage for critical illnesses and cancer treatments.

How do I know if I have the right amount of critical illness coverage?

Treatment and recovery for some critical illnesses, especially cancer, may take years. During this period, patients not only need to pay for medical expenses, but they may also lose income due to their illness. In general, you can choose an amount of critical illness coverage which is equal to 2 times your annual salary or more. You can also calculate the right amount of critical illness coverage based on your medical expenses.

I have medical insurance already. Do I still need Bupa Safe Critical Illness Insurance Scheme?

Medical insurance and critical illness insurance play different roles in protection needs. They are complementary and provide all-round coverage when you're diagnosed with a critical illness. Medical insurance provides reimbursement of eligible medical expenses up to specified benefit limits. On the other hand, you may need to cope with significant expenses and loss of income if you're diagnosed with a critical illness. Then, the lump sum compensation of the critical illness insurance can be used to pay for these expenses.

What documents do I need to enrol in Bupa Safe Critical Illness Insurance Scheme?

Online enrolment is quick and easy. You just need to answer a few health declaration questions and upload an e-copy of your HKID card.

Is there someone who can help with my claims?

You can call our 24-hour Customer Care Helpdesk for claims-related questions.
If you've chosen Optional Benefit C (Cancer Treatment Reimbursement Benefit), you can also submit and manage your claims through our customer service app myBupa anytime, anywhere.

Is there a waiting period for Bupa Safe Critical Illness Insurance Scheme?

A waiting period of 90 days applies and no benefit shall be payable for any critical illness or covered cancer (if applicable) presenting signs or symptoms or diagnosed within the waiting period. The above waiting period does not apply if the critical illness and covered cancer (if applicable) are caused by an accident.

Is there a cooling-off period for Bupa Safe Critical Illness Insurance Scheme?

There's a cooling-off period of 21 days for this contract. You'll receive a refund of all the subscription and levy paid if you cancel your contract within this period.

Other information

Download product details

Brochure (including Schedule of Benefits and Table of Subscriptions) (pdf, 2.63 MB)

Frequently used forms

Change of Payment Method and Account Number Form (pdf, 310 KB)

Declaration of Membership Card Loss Form (pdf, 88 Kb)

Reinstatement Application Form (pdf, 394 KB)

Bupa Health Insurance Scheme Credit Card Authorisation Form (pdf, 259.46 KB)

Bupa Health Insurance Scheme Direct Debit Authorisation Form (pdf, 2.63 MB)

Hospital Claim Form (pdf, 860 KB)

Clinical Claim Form (pdf, 835 KB)

Critical Illness Claim Form (pdf, 271 KB)

Remarks

The 85 critical illnesses covered under the critical illness basic benefits and optional Extended Major Critical Illness Benefit of this scheme include 98% of designated critical illnesses in 10Life's Scoring Methodology of Term Critical Illness Insurance. Exclusions and waiting periods apply. Please refer to the contract for the terms and excluded conditions.
This scheme covers 3 major critical illnesses and 5 early stage critical illnesses under the critical illness basic benefits. You can also add Optional Benefit B Extended Major Critical Illness Benefit to include a total of 85 covered critical illnesses.
Based on Plan A3, including HK$1,500,000 for Major Critical Illness Benefit, HK$1,500,000 for Additional Cancer Benefit and HK$300,000 for Early Stage Critical Illness Benefit. Customers need to be diagnosed with covered critical illnesses after the applicable waiting periods as specified in the contract to be eligible to claim these benefits. Please refer to the contract for details.
Based on an 18-year-old non-smoker enrolling in the critical illness basic benefit with lifetime benefit amount in aggregate of HK$3,300,000 using annual payment mode. This figure does not include any promotional offers or discounts which may be available.
The Employment Ordinance stipulates that an employee can accumulate 2 days of paid sick leave for every 1 month of work in the first year of employment; the cumulative upper limit of paid sick leave for the entire employment period is 120 days.
Out-patient Diagnosis and Testing Benefit covers medically necessary diagnostic tests carried out on an out-patient basis to confirm the positive diagnosis of a covered cancer.
Hospital and Surgical Benefit covers surgeon's fees, operating theatre fees, non-surgical cancer treatment, pre-admission and post-hospitalisation/day case out-patient care and so on. Please refer to the Schedule of Benefits and contract for details.
Extended Care Benefits include Chinese herbalist visits, psychological counselling, physiotherapy, occupational therapy, speech therapy, dietetic consultation, medical appliances and complementary therapy. Please refer to the Schedule of Benefits and contract for details.
Out-patient Care and Monitoring Benefit covers medically necessary out-patient visits, diagnostic tests and western medications received more than 90 days after discharge from hospital or completion of day case, or when the visit is aiming for palliative treatment, in an out-patient setting to monitor the response to the treatment, the prognosis or soothe the side effects of the covered cancer. Please refer to the Schedule of Benefits and contract for details.
Experimental Treatment Cash Allowance offers a one-off cash allowance if the member has undergone an experimental treatment as recommended by an oncologist. This benefit does not reimburse any costs of experimental treatment. Please refer to the Schedule of Benefits and contract for details.
Coverage under Additional Cancer Benefit will end on the contract anniversary date immediately following the age of 85. Age limits apply for coverage of certain illnesses under optional Extended Major Critical Illness Benefit. Please refer to the Schedule of Benefits for details.
After your Major Critical Illness Benefit has been paid, Bupa will offer an extra lump sum if you're diagnosed with cancer (including a new cancer, recurrence, distant metastasis or continuation of cancer after active cancer treatment). Waiting periods apply between payment of benefit items. Additional Cancer Benefit is also subject to active cancer treatment requirements. Please refer to the contract for details.
The critical illness benefit will still be paid even if the member passes away right after the diagnosis of a covered critical illness. However, a survival period applies for terminal illness. The member must survive for 14 days after diagnosis to be eligible to claim this benefit.
Cancerinformation.com.hk： https://cancerinformation.com.hk/web/?xinwengao=本港癌症治療政府欠規劃-調查：誤以為政府醫癌
Information from Hong Kong Anti-Cancer Society: https://www.hkacs.org.hk/tc/medicalnews.php?id=213
【Medical expense measure】With medical insurance of high coverage, you can receive cancer treatment without worries: https://www.bupa.com.hk/hero-tips/high-coverage-medical-insurance-full-cover/
Full cover on medical expenses for cancer and carcinoma-in-situ, up to HK$500,000 (option C1) or HK$1,000,000 (option C2) per contract year.
The lifetime benefit limit for Extended Care Benefits is HK$60,000 (option C1) or HK$120,000 (option C2).
The one-off cash allowance for experimental treatment is HK$30,000 (option C1) or HK$60,000 (option C2).
If you have been continuously covered under the Cancer Treatment Reimbursement Benefit for more than 1 year and are age 18 or above on the contract anniversary date, you are eligible for one free preventive check-up benefit every two contract years.
Conversion to designated VHIS plans without underwriting is only applicable to members aged 59 or younger at the time of conversion.
Your contract will be renewed automatically on a yearly basis unless you give written notice to Bupa at least 10 days before the contract anniversary date or it is not renewed according to the terms of the contract. Subscriptions will be automatically deducted from your designated bank account/credit card (where applicable) upon renewal.
Cashless treatment is only applicable to items (2) – (11) and (17) listed under Hospital and Surgical Benefit of the Schedule of Benefits. You need to obtain pre-authorisation from Bupa to enjoy cashless treatment. Designated private hospitals for cashless treatment include Canossa Hospital (Caritas), Evangel Hospital, Gleneagles Hong Kong Hospital, Hong Kong Adventist Hospital - Stubbs Rd., Hong Kong Adventist Hospital - Tsuen Wan, Hong Kong Baptist Hospital, Hong Kong Sanatorium & Hospital, Matilda International Hospital, Precious Blood Hospital (Caritas), St. Paul's Hospital, St. Teresa's Hospital and Union Hospital. This list is subject to change from time to time.

Scheme details

Base Plan A

Quote/buy

Coverage

Plan A1
Plan A2
Plan A3

Lifetime Benefit Amount in aggregate

The sum of Major Critical Illness Benefit, Early Stage Critical Illness Benefit and Additional Cancer Benefit

Plan A1HK$1,100,000
Plan A2HK$2,200,000
Plan A3HK$3,300,000

Major Critical Illness Benefit

Cancer
Heart attack
Stroke

Plan A1HK$500,000
Plan A2HK$1,000,000
Plan A3HK$1,500,000

Early Stage Critical Illness Benefit

Carcinoma-in-situ
Early stage cancer
Carotid artery disease requiring surgery
Coronary artery disease requiring angioplasty and other invasive treatments
Endovascular treatment for cerebral aneurysm

Plan A1HK$100,000
Plan A2HK$200,000
Plan A3HK$300,000

Additional Cancer Benefit

Payable if diagnosed with cancer 1 year after Major Critical Illness Benefit has been paid

Plan A1HK$500,000
Plan A2HK$1,000,000
Plan A3HK$1,500,000

Optional Benefit B

Quote/buy

Extended Major Critical Illness Benefit

Covers an extra 77 major critical illnesses

Optional Benefit C

Quote/buy

Cancer Treatment Reimbursement Benefit

Option C1
Option C2

Out-patient Diagnosis and Testing Benefit, Hospital and Surgical Benefit

Option C1Full cover in
aggregate up to
HK$500,000 per
contract year
Option C2Full cover in
aggregate up to
HK$1,000,000 per
contract year

Learn more

Out-patient Diagnosis and Testing Benefit covers medically necessary diagnostic tests carried out on an out-patient basis to confirm the positive diagnosis of a covered cancer.

Hospital and Surgical Benefit covers surgeon's fees, operating theatre fees, non-surgical cancer treatment, pre-admission and post-hospitalisation/day case out-patient care and so on.

Please refer to the Schedule of Benefits and contract for details.

Extended Care Benefits

Option C1Payable for 90%
of eligible expenses,
up to HK$40,000
per contract year
with a lifetime limit
of HK$120,000
in aggregate
Option C2Payable for 90%
of eligible expenses,
up to HK$40,000
per contract year
with a lifetime limit
of HK$120,000
in aggregate

Learn more

Extended Care Benefits include Chinese herbalist visits, psychological counselling, physiotherapy, occupational therapy, speech therapy, dietetic consultation, medical appliances and complementary therapy. Please refer to the Schedule of Benefits and contract for details.

Out-patient Care and Monitoring

Option C1HK$50,000
per contract year
Option C2HK$100,000
per contract year

Learn more

Covers medically necessary out-patient visits, diagnostic tests and western medications received in an out-patient setting to monitor the response to the treatment, the prognosis or soothe the side effects of the covered cancer.

Must be carried out more than 90 days after discharge from hospital or completion of day case, or when the visit is aiming for palliative treatment.

Experimental Treatment Cash Allowance

Option C1Payable once
per lifetime,
with a lifetime limit
of HK$30,000
Option C2Payable once
per lifetime,
with a lifetime limit
of HK$60,000

Learn more

Experimental Treatment Cash Allowance offers a one-off cash allowance if the member has undergone an experimental treatment as recommended by an oncologist. Please refer to the Schedule of Benefits and contract for details.

Preventive Check-up Benefit

Option C1✔
Option C2✔

Learn more

If you have been continuously covered under the Cancer Treatment Reimbursement Benefit for more than 1 year and are age 18 or above on the Contract Anniversary Date, you are eligible for one free preventive check-up benefit every two Contract Years.

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Purchase our VHIS plan

All you need to know about VHIS

VHIS Information

About myBupa

Video Consultation Serviceis now available!

Key functions include:

Bupa Safe Critical Illness Insurance Scheme

Bupa Safe Critical Illness Insurance Scheme

Relax! Bupa's here to turn danger into safety!

Critical illness insurance

Medical insurance

Significant expenses

Long-term treatment and recovery

Losing source of income

Bupa Safe Critical Illness Insurance Scheme: How comprehensive is it?

Covers critical illnesses caused by COVID-19

Covered illnesses

Covered illnesses

Covered illnesses

Coverage

Coverage

Lifetime Benefit Amount in aggregate

Lifetime Benefit Amount in aggregate

Issue age

Renewal

Period of cover

Waiting period

Cooling-off period

Is Bupa Safe good or not? Comparing term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Bupa SafeCritical IllnessInsurance Scheme

Other term CI products

Lower subscriptions for critical illness coverage

Cancer treatment can cost a million dollars(see remark 14)

Optional Benefit C

Example cases

Frequently asked questions

Other information

Scheme details

Base Plan A

Video Consultation Service
is now available!

Video Consultation Service
is now available!

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Bupa Safe
Critical Illness
Insurance Scheme

Cancer treatment can cost a million dollars^{(see remark 14)}