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Bupa Crystal

Superior care is within your reach

Bupa Crystal medical insurance scheme covers hospital expenses at private room level of up to HK$1,957,000 per year. This scheme provides Full Cover Benefit for hospital and clinical expenses and free body checks.

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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.
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Key Features

Full Cover for Hospital and Clinical Expenses

Full cover for treatment received at any network clinic or hospital, including Canossa Hospital, Gleneagles Hong Kong Hospital, Hong Kong Sanatorium and Hospital, St. Teresa's Hospital and Union Hospital.

Cashless Treatment

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at any network hospital or network clinic.

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 Lifetime Renewal

Bupa guarantees that your cover is renewable for life, regardless of any changes in your health condition after becoming our member

No Claims-based Charges

We won't raise your premium 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.

Free Body Check

Bupa cares for your health and wellness. If you opt for Clinical Benefit, you'll enjoy Free Bupa Lifelong Preventive Programme every year starting from your second year of membership. This includes a range of wellness service options from vaccinations to cancer screenings.

24/7 Medical Professionals Support

A team of qualified nurses and health management 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 Care Manager can be in touch with you to follow up on claims and assist you throughout treatment and recovery, from explaining your treatment plan and overseeing costs to arranging follow-up consultations. If you're admitted to a local private hospital, our Care Manger will make a courtesy call or visit, with your consent.
  • Doctor referrals and a second medical opinion are available to support you throughout treatment and recovery.
Other Features
  • No waiting period, cover starts immediately after your membership takes effect
  • Day case surgery or clinical operations are covered
  • No minimum length of hospital stay

Frequently used forms

For Crystal members
Change of Payment Method and Account Number Form (pdf, 832.44 Kb)
Declaration of Membership Card Loss Form (pdf, 826.36 Kb)
Registration Variation Form (pdf, 987.39 Kb)
Reinstatement Application Form (pdf, 937.64 Kb)
Bupa Health Insurance Scheme Credit Card Authorisation Form (pdf, 796.02 Kb)
Hospital Claim form (pdf, 1.03 MB)
Clinical Claim Form (pdf, 941.6 Kb)
Registration Variation Form (With Health Declaration) (pdf, 1.66 MB)

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.

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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.

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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 exciting enrolment offer】 Save up to 100% of first-year premium in 3 years!
  • Bupa All Together Health Insurance Scheme: Enjoy up to 65% off on the first-year premium  for a family enrolment of 3 #
  • Other selected individual medical schemes: up to 20% off#
  • 【Summer Double Enrolment Rewards】Enrol in designated individual medical schemes by 30 September to receive an additional complimentary general practice outpatient service^

The promotion is valid until 31 December, 2025. 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.
^During the Promotion Period, the subscriber / policyholder of every new contract / policy of any of the Eligible Schemes may receive one complimentary general practice outpatient service with 3 days of basic medication at one of the designated clinics. Terms and conditions apply.

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

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

Bupa All Together Health Insurance Scheme Welcome Promotion Offer Terms and conditions (PDF, 231KB)
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