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How to choose the right insurance

Filing a claim for a hospital bill is a painstaking process. What kind of medical insurance plan provides a hassle-free experience?

Traditional medical insurance usually requires subscribers to settle their hospital bills upon discharge and then submit a claim to the insurance company for reimbursement. If a subscriber suffers from sudden illness and requires hospital treatment in short notice, he/she may not have enough cash to pay for the unexpected expenses.

Useful tip:

When choosing a medical insurance scheme, try to find a scheme that provides a medical card. By using the medical card, the insurance company will settle the medical bills with the private hospital directly. You won’t need to pay any money in advance, worry about medical bills, or submit any claims afterwards. Medical insurance schemes such as Bupa CarePro*, Bupa HealthPlus, and Bupa Together do offer medical card. Before admitting into a private Hong Kong hospital, just call Bupa to complete a simple registration process. You can then access cashless treatment by using the medical card.

* A medical card will be issued if Full Cover Benefit or Supplementary Major Medical Benefit is selected under Bupa CarePro.

Insurance schemes / Key features
  • No hassle of payment and claims by using medical card if Supplementary Major Medical Benefit is selected
  • 100% reimbursement of hospital expenses if Full Cover Benefit is selected
  • Guaranteed lifetime renewal
  • No hassle of payment or claims by using medical card
  • Full cover for hospital expenses at the semi-private room level
  • Covers follow-up outpatient consultations after surgery or cancer treatment
  • No hassle of payment or claims by using medical card
  • Family members can share a combined benefit pool to cope with unexpected expenses
  • Full cover for hospital expenses

Talk to us

Contact our health management consultant to get details and advice.

2517 5860

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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 # :

  • 【Limited-time offer】 Bupa HERO VHIS Plan - Up to 41% off for single enrolment and up to 50% off for family enrolments
  • 【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 30% off

The promotion is valid until 31 December 2022. 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 annual premium or subscription over HK$3,000 or equivalent 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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