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How to choose the right insurance

Is it true that network doctors in a medical insurance scheme are of low quality?

Some medical insurance schemes in the market provide network doctor options. However, some people seem to have a negative perception on the quality of the network doctors. As a matter of fact, insurance companies put a lot of importance on vetting the quality of network doctors.

At Bupa, for example, we have a very strict standard of quality for network doctors to meet. When signing on a doctor, we conduct a quality assessment. Assessment criteria include doctor’s qualification, experience in the relevant registered specialty, facilities of the clinic, handling procedures of patient records for the purpose of privacy protection, administration of drugs, and on-the-job training of nursing staff. To make sure customers receive the best medical service, we have a standard procedure in place to handle members’ complaints on medical services.

Useful tip:

When choosing a medical insurance scheme, in addition to the quality of network doctors, subscribers should also look at several aspects. Examples are the coverage of the scheme, reimbursement details, and reputation of the insurance company.


Insurance schemes / Key features
  • Full cover for clinical expenses when consulting a network doctor under optional Clinical Benefit; cashless treatment with no claims procedure to follow
  • Around 1,400 network clinical doctors and medical providers
  • Full cover for hospital expenses at semi-private room level
  • Covers follow-up outpatient consultations after surgery or cancer treatment
  • Include inpatient and outpatient cover; full cover for clinical expense when consulting a network doctor
  • Around 2,170 network doctors and medical providers
  • Cashless treatment when using the medical card
  • Free health and dental assessments

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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Rewards for referrers

Get HK$500 in supermarket coupons for every successful referral you make!

There's no limit on the referrals you can make. The more you refer, the higher the rewards!

Exclusive offer for referrers

If your family and friends successfully enrol in Bupa individual medical scheme, your family and friends can enjoy the following rewards:

  • 【Limited-time offer】 Bupa HERO VHIS Plan - 30% off for single enrolment and up to 70% off for 3 or more 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 2021. Act now!

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