Bupa Safe Critical Illness Insurance Scheme
- 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)!* Terms and conditions apply.
Extra HK$100 shopping vouchers for new members*
*New members of designated plan who register our Bupa4Life wellness 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. Terms and conditions apply.
Relax! Bupa's here to turn danger into safety!
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.
Quote/buy
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.
Covered illnesses |
Covered illnessesSee 3 major and 5 early stage critical illnesses covered |
Covered illnessesSee all extra 77 covered major critical illnesses |
Covered illnessesCancer Treatment Reimbursement BenefitReimburses 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 |
CoverageCritical Illness Basic BenefitMajor 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 aggregatePlan 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: HK$1,500,000
HK$1,000,000
HK$500,000
+ HK$300,000
HK$200,000
HK$100,000
+ HK$1,500,000
HK$1,000,000
HK$500,000
|
Lifetime Benefit Amount in aggregateDiagnosis 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 ageAged 15 days to 60 years(Enrolment from age 56-60 years (inclusive) limited to Plan A2 or A1 only) |
||
Renewal |
RenewalGuaranteed renewal up to age 100(see remark 11) |
||
Period of cover |
Period of coverOne year, renewable every year automatically(see remark 22) |
||
Waiting period |
Waiting period90 days |
||
Cooling-off period |
Cooling-off period21 days |
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.
Quote/buy
Bupa Safe |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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
and Cancer Care
Programme
Customer Care Helpdesk
and get rewards
with Bupa4Life
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

Frequently asked questions
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.
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.
Other information
- 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 service 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 service. Designated private hospitals for cashless service include Canossa Hospital (Caritas), CUHK Medical Centre, 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- 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
Covers an extra 77 major critical illnesses
Optional Benefit C
Quote/buy- 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
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
Out-patient Care and Monitoring
- Option C1HK$50,000
per contract year - Option C2HK$100,000
per contract year
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
Preventive Check-up Benefit
- Option C1✔
- Option C2✔
Talk to us
Contact our health management consultant to get details and advice.
2517 5860
Mon-Fri 9am-9pm (except public holidays)