Make good use of your group medical insurance to enhance your medical coverage

Boosting your group cover

Continued protection even if you are retired or your employment status changes

Bupa VTop enrolment offer: 10% off on the first-year premium¹

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Hong Kong people have a fast-paced lifestyle, face significant stress, and often have irregular eating habits, which can lead to minor health issues. If these small ailments are ignored, they may worsen. Once they develop into serious illnesses, the treatment costs can be unpredictable. While group medical insurance exists, it may not cover all expenses, forcing employees to tap into their savings for treatment. Health insurance plays a crucial role at this time by reimbursing the remaining eligible medical costs, alleviating your financial burden.

Bupa VTop Health Insurance Scheme

【Enrolment Offer】10% off on the first-year premium¹

Cover pre-existing conditions²

Without underwriting regardless of your health conditions³

No waiting period, cover starts immediately and there’s no gap between the end of your group membership⁴

Guaranteed lifetime renewal⁵

The enrolment window restriction is now waived until 31 Aug 2026, allowing you to apply immediately without having to wait for renewal of your group scheme. Grasp this opportunity! Act Now!

Bupa Hero VHIS Plan

[Enrolment offer] First 5 years no‑claim discount totaling up to 140% of the first‑year premium¹, plus a complimentary health check⁶.

Affordable premium, with daily premium as low as HK$4.6⁷

[New] Various annual benefit limit options, range from HK$5 million to HK$40 million

[New] Provides progressive coverage⁸ which allow you to adjust your coverage for major life events like marriage and childbirth, without re-underwriting

Full cover for eligible medical expenses ⁹

4 deductible options are available¹⁰, you can offset the selected deductible with reimbursement from your group medical plan to lower your premium

Deductible for related treatments will be waived (if any) if you’re diagnosed with cancer¹¹

Up to 15% lifetime family discount¹²

Bupa Care Bridge Health Insurance Scheme

[Limited-time offer]
Offer 1: Save a total of 6 months’ premiums over the first 2 years¹
Offer 2: Complete the online form and a phone consultation with Bupa Health Management Consultant to get a HK$50 Supermarket e-coupon¹³

Access a comprehensive medical network across Hong Kong and Mainland China

Annual benefit limit from HK$5 million to HK$15 million

Full cover ¹⁴ for eligible medical expenses

Guaranteed ward upgrade without extra premium:

- Upgrade to semi-private room at designated hospitals in Hong Kong¹⁵
- Upgrade to standard private room at designated hospitals in Mainland China¹⁵

Integrated outpatient care, outpatient services are embedded directly into your core coverage¹⁶

Various deductible options are available¹⁷ to lower your premium

Simplified underwriting process, you only need to answer 5 questions to complete the underwriting process

Certified VHIS plans

[MyFlexi VHIS] Flexible health coverage to meet your needs

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[Bupa MyBasic VHIS] Basic protection for your health and wellbeing

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VHIS vs General Traditional Medical Insurance

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Compare different schemes

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NON-VHIS PLAN SUGGESTIONS

【Bupa Safe Critical Illness】 Value-for-money critical illness coverage with multiple protection

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【Bupa All Together】A flexible combined annual benefit pool to safeguard the health of your entire family

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【Bupa CarePro】 Quality healthcare cover for the price-conscious

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【Bupa Care Kid】 Cover your children in a world of benefits

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WHY CHOOSE HONG KONG’S MEDICAL INSURANCE EXPERT?

Global healthcare specialist

Bupa began in the UK in 1947. We are a leading international healthcare organisation with over 70 years of experience.

Apart from providing health insurance, we run clinics, hospitals, dental centres care homes, and more in many countries like the UK, Australia and Spain. Our focus in healthcare funding and services explains why we have the expertise and resources to provide you with smart and suitable solutions in healthcare.

Trusted brand

Health insurance provider to Hong Kong’s 10,000 civil servants for more than 20 years running.

We’ve gained the trust of more than 400,000 individuals, 3,200 companies.

Almost half of our customers have been Bupa members for 3 years and more.