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

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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

No medical underwriting
You can enrol in Bupa VTop's Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit² without underwriting regardless of your health conditions.

Covers pre-existing conditions
Your pre-existing conditions³ covered under a Bupa group scheme will also be covered by this scheme as long as you've been continuously insured under a Bupa group scheme and/or Bupa VTop for a total of at least 12 consecutive months.

No waiting period
Your cover will start immediately once your Bupa VTop scheme is in effect without any waiting period⁴, and there's no gap in protection after the end of your group membership.

Guaranteed lifetime renewal
Bupa guarantees that your cover can be renewed for life⁵. And your renewal subscription will not be individually adjusted because of any changes in your health after joining.

Comprehensive coverage
Provides Cancer Treatment and kidney Dialysis Benefit and Psychiatric Treatment Benefit

Enjoy continuous coverage
Even after you’re retired without any group coverage, this scheme can pay up to the maximum benefit limit for each operation, or reimburse 80% of your eligible medical expenses⁶

From now until 30 September 2025, the enrolment period restrictions for the Bupa VTop Health Insurance Scheme is waived⁷, all existing Bupa group members are eligible to enrol at anytime. Enrol Bupa VTop Health Insurance Scheme to enjoy 10% off on the first-year premium, act now!

Certified VHIS plans

[MyFlexi VHIS] Flexible health coverage to meet your needs

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[Bupa Hero VHIS] Annual benefit limit up to HK$40 million

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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.

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

Notes:

During the Promotion Period, new customers can enjoy premium discounts under eligible plan, subject to terms and conditions, please refer to the relevant terms and conditions for details.
Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit without underwriting regardless of your health conditions. Application for Optional Clinical Benefit required underwriting.
All pre-existing conditions which are payable under your Bupa group scheme shall be covered under this scheme's Hospital and Surgical Benefit, Optional Supplementary Major Medical Benefit and Clinical Benefit (if applicable) if you have been continuously insured under a Bupa group scheme and/or Bupa VTop for a total of at least 12 consecutive months, with the exception of those specified under the General Exclusions of the Bupa VTop contract. If a Bupa group member enrols in the Bupa VTop Health Insurance Scheme from 1 June 2025 to 30 September 2025 which is not within the specified enrolment period stipulated in the Contract, coverage of pre-existing conditions will start after the policy has been effective for 12 months. Coverage for pre-existing conditions is not available for family members (including but not limited to spouse, civil partner, children, parents and siblings) of an existing Bupa group member who are not a member of a Bupa group scheme.
This scheme will be effective on the 1st day of the month which immediately follows the last date of your group membership should it be the last day of a month. Otherwise, your cover will be effective on the 1st day of the same month when your group membership is terminated.
Bupa guarantees that your cover can be renewed every year for life as long as you meet the requirements as stated in the Renewal Clause of your contract. Bupa reserves the right to amend the subscription, benefits, terms and conditions upon your contract renewal. Please refer to your contract for further details.
Depending on your choice of plan.
If Bupa group member enrols in the Bupa VTop Health Insurance Scheme from 1 April to 30 June 2025 which is not in the specified enrolment period stipulated in the Contract, coverage of pre-existing conditions will start after the Bupa VTop policy has been effective for 12 month.

Terms and conditions for the enrolment offer of Bupa VTop.。