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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 service with no claims procedure to follow
  • Around 1,700 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 2,300 network doctors and medical providers
  • Cashless service 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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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 # :

  • 【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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