Get Bupa now

Mon-Fri 9am-9pm (except public holidays)
2517 5860

Customer Services

24 hours, 7 days a week

How to choose the right insurance

Medical cost rises every year. How do I make sure that my insurance can cover medical expenses?

Useful tip:

To deal with the ever increasing medical costs each year, customers may consider opting for medical schemes that include Full Cover Benefit. Full Cover Benefit provides an annual maximum benefit for hospital expenses with no limit on each individual item. Eligible medical expenses include room and board, surgical fees, anaesthetist’s fees, and miscellaneous hospital services. Diagnostic imaging, laboratory tests, and physiotherapy after surgery or cancer treatment are also fully covered, if the total cost is within the annual maximum limit.

Schemes with Full Cover Benefit come with different options of benefit level and annual maximum limit for you to choose from according to your needs. At Bupa, we provide ward, semi-private, and private room level with full cover benefit ranging from HK$239,250 to HK$30 million.

Insurance schemes / Key features
  • Provides up to HK$3 million benefit per year to cover hospital expenses in a semi-private room
  • Covers follow-up outpatient consultations after surgery or cancer treatment
  • Cashless hospitalisation and no claims to follow
  • 100% reimbursement of hospital expenses if Full Cover Benefit is selected, with benefit limit ranging from HK$239,250 to HK$853,700 per year
  • No hassle of payment and claims by using medical card if Supplementary Major Medical Benefit is selected
  • Full cover for hospital expenses at ward level
  • Family members can share a combined annual benefit pool of up to HK$1 million
  • Cashless hospitalisation and no claims to follow

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.

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)
I have read and accepted the Personal Data Information Collection Statement .
By clicking "Submit", I confirm that I give consent to Bupa using my personal data for direct marketing of its related insurance products and services.