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Bupa Medical Insurance Promotion Day

Designated plans enrolment offer: Enjoy premium discounts + extra supermarket e-voucher worth up to HK$200

Register now to reserve the promotion offer until 31 Dec 2023!

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Bupa Civil Servants - Designed for civil servants and their dependants
  • 【Enrolment Offer】HK$50 supermarket e-voucher1
  • Cover many illnesses previously suffered2
  • Modest subscription of around HK$4.7 per day3
  • Guaranteed acceptance of your application without any medical examinations or underwriting4
  • Regardless of the claims you have made, we will not add any extra individual charges5
  • Bupa has been the medical insurance provider for Hong Kong's civil servants for 26 years and running
  • Bupa Hero VHIS Plan - Suitable for those who want comprehensive protection
  • 【Exciting Enrolment offer】Discount worth up to 80% of first-year premiums1 + extra HK$200 supermarket e-voucher1
  • Generous cover in Asia, Australia and New Zealand or worldwide excluding the United States6
  • Full cover for eligible expenses up to HK$40 million per year7
  • Eligible for tax deduction on up to HK$8,000 in premiums annually8
  • Enhanced cover including unknown pre-existing conditions after your policy take effect (subject to the policy’s General Exclusions)
  • 4 deductible options are available9 to lower your premium
  • Up to 15% lifetime family discount10
  • Bupa All Together – Suitable for family
  • 【Enrolment Offer】Enjoy 50% off on the first-year premium for a family enrolment of three1 + extra HK$200 supermarket e-voucher1
  • Up to HK$5 million Hospital and Surgical Benefit limit every year for the whole family to share
  • Full coverage for eligible medical expenses11
  • One-year premium waiver if diagnosed specified serious illnesses12
  • One year complimentary critical illness coverage for newborn baby13
  • Bupa MyFlexi VHIS Plan – Suitable for those who want enhanced benefits in addition to basic medical coverage
  • 【Enrolment offer】Discount worth up to 35% of first-year premiums1 + extra HK$200 supermarket e-voucher1
  • Optional Push the Limit Benefit with a total of HK$1.71 million Full Cover Benefit and Supplementary Major Medical Benefit
  • Up to HK$158,000 in prescribed treatments including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy
  • Eligible for tax deduction on up to HK$8,000 in premiums annually8
  • Enhanced cover including unknown pre-existing conditions after your policy take effect (subject to the policy’s General Exclusions)
  • Up to 35% child discount14
  • Certified VHIS plans
    bupa myflexi
    [MyFlexi VHIS] Flexible health coverage to meet your needs
    bupa mybasic
    [Bupa MyBasic VHIS] Basic protection for your health and wellbeing
    bupa info2
    VHIS vs General Traditional Medical Insurance
    bupa info
    Compare different schemes
    Couple discuss together
    【Bupa Safe Critical Illness】 Value-for-money critical illness coverage with multiple protection
    Family with kid
    【Bupa All Together】A flexible combined annual benefit pool to safeguard the health of your entire family
    A man checking insurance plan by phone
    【Bupa CarePro】 Quality healthcare cover for the price-conscious
    Family with 2 kids
    【Bupa Care Kid】 Cover your children in a world of benefits

    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.
  • The health insurance schemes detailed on this webpage are underwritten by Bupa (Asia) Limited. Bupa (Asia) Limited is authorised and regulated by the Hong Kong Insurance Authority to carry out general insurance business in the HKSAR. All terms and benefits are subject to the Policy. Please refer to the Policy for details.

    Notes, Terms and conditions


    1. During the Promotion Period, new customers who successfully enrolled to Bupa Civil Servants, Bupa Hero VHIS Plan, Bupa All Together Plan or Bupa MyFlexi VHIS Plan ("Eligible Plans") can enjoy specific premium discounts or reduction, as well as supermarket e-voucher under Eligible Plans, subject to terms and conditions, please refer to the relevant terms and conditions for details.
      Enrolment offer terms and conditions of Bupa Hero VHIS Plan
      Enrolment offer terms and conditions of Bupa All Together
      Enrolment offer terms and conditions of Bupa MyFlexi
      Terms and conditions of complimentary supermarket e-voucher
    2. We cover your pre-existing conditions except for Bupa Worldwide Assistance Programme and the illnesses listed in the General Exclusions. If you upgrade the benefit level upon renewal, your medical expenses of any illness or injury occurred before such upgrade are payable in accordance with the previous benefit level.
    3. Based on a member aged 25 years who chooses 100% reimbursement of Hospital and Surgical Benefit at ward level.
    4. As long as you and your dependants are eligible, we welcome your application. If your Body Mass Index is considered as overweight or underweight at enrolment, Bupa may ask you to submit a check-up report as part of your health insurance application process.
    5. We won't raise your subscription based on how many claims you’ve made. Your subscription will be based on your age only, no matter how much you claim on conditions that arise after your membership starts.
    6. Asia, Australia and New Zealand means Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam. For eligible expenses under the certified plan but incurred outside your chosen area of cover, benefits shall only be payable according to the VHIS Standard Plan Terms and Benefits. Please refer to your Policy for details.
    7. Full cover is only applicable to selected items under Summary of Benefits and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits.
    8. Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HK$8,000 per insured person each year. These persons must be included in the list of “specified relatives” in Inland Revenue Ordinance (Cap.112) (which may change from time to time). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for certified plans, but not any other optional benefits, with policy effective date of 1 April 2019 or later. There is no limit on the number of insured persons and/or policies claimed by each taxpayer. Policies purchased for a domestic partner, grandchild(ren) or domestic partner’s parents/children are not eligible for tax deduction. For details about tax deduction, please visit
    9. Deductible options include HK$0, HK$12,000, HK$40,000 and HK$80,000. A deductible is the amount of eligible expenses that you must pay each year. Bupa will cover the remaining amount up to the benefit limit. The deductible won’t apply to the Medical Check-up Benefit and optional benefits.
    10. Family discount will be applied to the standard premium and premium loading of the certified plan only, but not any other optional benefits under the Bupa Hero VHIS Plan. The discount will be valid as long as the eligible family members are all covered under a Bupa Hero VHIS Plan at the same time.
    11. Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to covered eligible expense and subject to the Maximum Annual Benefit Pool limit, area of cover and restricted ward class set out in the Summary of Benefits. Please refer to the policy for details
    12. Starting from the second policy year, one-year premium waiver is applicable to premiums paid for Hospital and Surgical Benefit and optional benefits (if any) if any insured person is diagnosed with cancer, heart attack or stroke. Premiums will be waived for every family member already covered under your policy. Please refer to the policy for detailed terms and conditions.
    13. From the second policy year onwards, newborn baby of female insured person is eligible to first year premium waiver when enrolled in Bupa Safe Critical Illness Insurance Scheme Plan 13 with coverage of HK$1.1 million. Premiums will be waived when annual payment mode is selected. Please refer to the Bupa Safe Critical Illness Insurance Scheme Policy for detailed terms and conditions.
    14. On each child below age 18 if enrolling with both parents, 35% child discount will be offered. 25% child discount will be offered when the child enrols with one parent. Child discount will be applied to the premium of the MyFlexi basic benefits and enhanced benefits only, but not Push the Limit and other optional benefits. The discount will be valid as long as one or two parent(s) of the insured child is/are also covered under a Bupa MyFlexi VHIS plan.

    Bupa Hero VHIS Plan Certification Number:

    • Advance – HK$0 Deductible : F00040-01-000-03
    • Advance – HK$12,000 Deductible: F00040-02-000-03
    • Advance – HK$40,000 Deductible: F00040-03-000-03
    • Advance – HK$80,000 Deductible: F00040-04-000-03
    • Deluxe-HK$0 Deductible : F00040-05-000-03
    • Deluxe-HK$12,000 Deductible : F00040-06-000-03
    • Deluxe-HK$40,000 Deductible : F00040-07-000-03
    • Deluxe -HK$80,000 Deductible : F00040-08-000-03
    • Advance Pro-HK$0 Deductible : F00040-09-000-01
    • Advance Pro-HK$12,000 Deductible : F00040-10-000-01
    • Advance Pro-HK$40,000 Deductible : F00040-11-000-01
    • Advance Pro-HK$80,000 Deductible : F00040-12-000-01
    • Deluxe Pro-HK$0 Deductible : F00040-13-000-01
    • Deluxe Pro-HK$12,000 Deductible : F00040-14-000-01
    • Deluxe Pro-HK$40,000 Deductible : F00040-15-000-01
    • Deluxe Pro-HK$80,000 Deductible : F00040-16-000-01
    The above summary is the plan overview, for details and the terms and conditions, please refer to Bupa’s website and your policy. 。
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