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Bupa HealthPlus

Enhanced medical insurance at semi-private level

Up to HK$3 million benefit per year to cover hospital expenses in a semi-private room and follow-up out-patient consultations after surgery or cancer treatment. With additional subscription, this medical insurance scheme can also cover some pre-existing medical condition.

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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.
Instant Phone Application and Approval

Enrolment is easy. Simply give us a call for instant assessment and approval for your application. No medical examination is required.

Full Cover Benefit

Up to HK$3 million per year to fully reimburse a wide range of hospital expenses at semi-private room level worldwide. There is no benefit limit for most items. We want to minimise your worries on unexpected out-of-pocket expenses.

Cancer Treatment and Kidney Dialysis Benefit

You can claim up to HK$740,000 per year for cancer treatment and kidney dialysis expenses, making it easier for you to afford more costly and advanced treatment options. What’s more, this cover will be reinstated each year for the rest of your life, giving you lifelong protection.

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.

Cover for Post-Surgery Follow-Up Treatment

Full cover for the cost of follow-up medical examinations and physiotherapy. We also reimburse a full range of out-patient care such as follow-up visits and dietitian consultations to name just a few.

Chinese Herbalist Consultations

To help with your recovery, Chinese herbalist consultations and acupuncture are covered within 180 days after you receive cancer treatment or surgery for stroke or coronary artery disease.

Deductible Options to Lower Subscription

Three deductibles are available for your choice, making this plan more affordable while providing higher cover. You can use an existing medical cover, for instance, the group cover from your employer, to offset the deductible. You can also enjoy up to 15% subscription discount for family enrolment.

Coverage for Pre-Existing Conditions

By adding to your subscription and approved by Bupa, you can have the option to cover some common pre-existing medical conditions that you had before your Bupa coverage begins.

Cashless Service

No need to pay any deposit, hospital bills or file a claim if you use Bupa’s medical card at designated private hospitals in Hong Kong.

Guaranteed Lifetime Renewal

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

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.
  • Healthcare centre choices and a second medical opinion are available to support you throughout treatment and recovery.
Other Features
  • No minimum length of hospital stay
  • No waiting period, cover starts immediately after your membership takes effect
Basic Benefit
  • Hospital and Surgical Benefit
    • Semi-private room level
    • Room and Board
    • Miscellaneous Hospital Services
    • Intensive Care
    • Anaesthetist's Fees
    • Operating Theatre Fees
    • In-patient Physician's Fees
    • Companion Bed
    • Private Nursing
    • Cancer Treatment and Kidney Dialysis
    • Emergency Out-patient Benefit for Accidents
    • Organ Transplant
    • Surgeon and Attendance Fees
    • In-patient Specialist's Fees
    • Pre-admission & Non-surgical Post-hospitalisation Out-patient Care
    • Psychiatric Treatment
    • Post-hospitalisation Out-patient Care (After surgery or cancer treatment):
      [Remarks: The out-patient visits must be made within 90 days after receiving surgery or cancer treatment]
      • Diagnostic Imaging and Laboratory Tests
      • Physiotherapy
      • Out-patient Consultation
      • Psychological Counselling
      • Dietetic Consultation
      • Occupational Therapy
      • Speech Therapy
      • Chinese Herbalist Consultation and Acupuncture [Remarks: Visits must be made within 180 days after receiving cancer treatment or surgery for stroke or coronary heart disease.]
Free benefits
Optional Benefits
  • Clinical Benefit
    • Use our Bupa medical card to enjoy cashless service
    • Covers western medication prescriptions, full cover for general practitioner, physiotherapist, Chinese herbalist, Chinese bonesetter and diagnostic imaging and laboratory tests
    • 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
    • Approximately 1,700 network doctors and medical service providers; you can also enjoy video consultation services with our selected general practitioners through a video call comfortably and safely at home
    • Enjoy cover up to benefit limits when choosing doctors outside our network

  • Dental Benefit
    • Two visits of scaling and polishing, unlimited visits for dental treatment
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 service 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.
For details, please download

Schedule of Benefits and Table of Subscriptions.

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.

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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】 Get discounts worth up to 80% of first-year premiums!
  • 【Newly launch】 Bupa All Together Health Insurance Scheme: Enjoy up to 50% off on the first-year premium  for a family enrolment of 3 #
  • 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 All Together Health Insurance Scheme Welcome Promotion Offer Terms and conditions (PDF, 231KB)
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