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Bupa Safe Critical Illness Insurance Scheme

Bupa Safe Critical Illness Insurance Scheme

kv image 1Critical illness coverage kv image 2Multiple protection kv image 3Value 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)!* 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!

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.


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

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

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.


Total subscriptions for 20 years
Bupa Safe
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 service (see remark 23)
You'll receive a Bupa SafeNet Card with this benefit. Using your Bupa SafeNet Card, you can enjoy cashless service 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

office worker
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.

Nicole freelancer

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

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.

Health Coaching Services
and Cancer Care
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, healthcare centre choices 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

Other information

Scheme details

Base Plan A

  • 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

Extended Major Critical Illness Benefit

Covers an extra 77 major critical illnesses

Optional Benefit C

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.

Talk to us

Contact our health management consultant to get details and advice.

2517 5860

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

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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 # :

  • 【Bupa HERO crazy enrolment offer】 Get discounts worth up to 80% of first-year premiums!
  • 【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 20% off

The promotion is valid until 31 December 2023. 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 net annual premium or subscription over HK$3,000 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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