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Subject to eligible expenses and the annual limit.
Subject to 30% coinsurance.
Eligible expenses arising from pre-existing conditions that the insured person wasn't aware of, as well as congenital conditions with symptoms appearing or diagnosed after age 8, are subject to the following waiting period and reimbursement percentage: a. First policy year: no coverage b. Second policy year: 25% reimbursement c. Third policy year: 50% reimbursement d. Fourth policy year onwards: full coverage
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). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for certified plans 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 www.bupa.com.hk/taxfaq.
We guarantee that your policy can be renewed every year up to the age of 100 as long as you meet the requirements stated in the renewal provisions of your policy terms and conditions.
During office hours (9am to 7pm, Monday to Friday, except public holidays), we are pleased to answer all your enquires. Outside office hours, we can provide the followings: a. Your coverage details, b. Claims procedures and other administration procedures, and c. Claim forms.
The above summary of our insurance products is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of these products. All terms and benefits are subject to the Policy. Please refer to the Policy for details.
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