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Bupa All Together

【Special launch offer】
Enroll your family of three or more people to receive discounts up to 50% of the first-year premiums!
Call us at 2517 5860 for details.

A flexible combined annual benefit pool to safeguard the health of your entire family.

  • Your whole family share up to HK$5 million annual benefit pool
  • Enjoy max. 20% off lifetime family discount
  • One-year premium waiver for serious illnesses
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Child discount

Child enrols with one parent: 30% child discount
Child enrols with both parents: 55% child discount

Applicable to insured person below 18
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Lifetime discount

2 family members enrolment: 15% discount
≥ 3 family members enrolment: 20% discount

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Up to 15% no claim renewal discount

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Cashless service

Use Bupa medical card to enjoy cashless service at designated private hospitals and service providers in Hong Kong.

Guaranteed lifetime renewal

Each family member’s premium will only be based on age no matter how much you claim after your policy is in effect.

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Privileged offer for your pets

Bupa All Together member can enjoy three months of free pet insurance and a complimentary physical examination for your pets, provided by OneDegree.

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Benefit Features
HK$5 million coverage every year for the insured family

You and your family members will share a combined annual benefit limit of HK$5 million.

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Full coverage for eligible medical expenses

With Bupa medical card, your eligible expenses at Bupa’s network providers in Hong Kong will be fully covered. Or choose your own provider and receive 80% or 100% reimbursement, depending on your plan.

One-year premium waiver for specified serious illnesses

Starting from the second policy year, one-year premium waiver is applicable 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.

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Bupa Wellness Programme

With our Bupa Wellness Programme, you can choose from up to 30 wellness services such as health assessment, vaccination, mental health support and more, starting from the second policy year.

Free critical illness coverage for newborn baby

Additional protection to newborn baby of female insured person under your plan from the second policy year. Simply apply Bupa Safe Critical Illness Insurance Scheme for your newborn baby after your child's birth and they can enjoy the critical illness coverage, with no premium paid for the first policy year.

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Enhanced cover including congenital conditions

Your policy can cover congenital conditions which have manifested or been diagnosed from age 8, subject to the policy’s General Exclusions. You can also choose to cover for pre-existing conditions, subject to underwriting and an additional premium.

This plan is suitable for all people, especially if you...

need comprehensive coverage for your family

want to enjoy special discounts

want to add on different optional benefits

Other Plan Details
Clinical Benefit

Our Clinical Benefit is specially designed to include coverage for psychiatric-related treatments and psychological counselling, such as outpatient treatments for psychiatric, psychological, mental or behavioral conditions, senile dementia (including Alzheimer’s disease) and Parkinson’s disease.

Dental Benefit

Covers dental expenses such as scaling and polishing, fillings and extractions, emergency consultations and more. If you receive treatment at designated network dental centres, you can enjoy cashless service and full cover for covered items.

Maternity Benefit

Covers obstetrician's fees, hospitalisation charges, prenatal and postnatal check-up costs and nursery care for a newborn baby during hospital confinement.

Health Coaching Services

Our health coaching services offer a variety of personal healthcare support to minimise your worries :

  • 24/7 Healthline

    A team of qualified healthcare professionals will provide guidance on your health-related questions over the phone, with the support of doctors.

  • Care Manager

    Our Care Manager can be in touch with you to follow up on claims and assist you throughout treatment and recovery, from explaining your treatment plan and overseeing costs to arranging follow-up consultations. If you’re admitted to a local private hospital, our Care Manager will make a courtesy call or visit, with your consent.

  • Second medical opinion

    We’ll help you obtain medical advice from a panel of medical specialists to clarify your doubts and make informed decisions about treatment.

  • Healthcare centre choices

    We can provide a list of clinics and hospitals based on your specific condition or needs for your reference.

Free Bupa Worldwide Assistance Programme

With the Bupa All Together Health Insurance Scheme, you’ll also receive our free worldwide assistance programme. It provides medical support and assistance if you need help while overseas or in mainland China.

myBupa, customer service portal
  • Claims: File claims online; track and view claims status/details; provide information to resolve pending claims
  • Clinical Benefit Usage: Keep track of your claimed expenses and provider visits under Clinical Benefit (if applicable)
  • eMedical Card: Show your eMedical Card at network providers for cashless service*
  • Hospital eAdmission: Send your member information to your selected hospital upon admission*
  • Doctors Finder: Search for network doctors and clinics based on name, specialty, etc
  • Doctors Nearby: Locate the clinic on a map and get directions to the clinic from where you are
  • Member Documents: View and download your policy-related documents
  • Member Privileges: View and redeem special health and lifestyle offers exclusively for Bupa members
  • Member Profile: View your scheme details; update your contact information online
  • Link up to Bupa’s wellness app and Direct access to Quality HealthCare Medical Services (QHMS)’s mobile app
*For selected insurance schemes only.
24/7 Customer Care Helpdesk
Available 24 hours every day, our Customer Service team will directly answer your policy-related questions.
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.
Common questions See all
How to choose a VHIS plan?
As there are many VHIS plans available, we should not merely compare the premiums but pay more attention to the details to select a VHIS plan with a higher price–performance ratio... Read more
What's the difference between medical and critical illness insurance?
Many people are unsure about the differences between medical insurance and critical illness insurance. While they both provide protection for the insured, the two actually serve different purposes... Read more
What is a deductible?
A deductible is the portion of eligible medical expenses paid by the subscriber up to an agreed amount before the insurance company starts to pay for expenses over that amount in a claims settlement... Read more
What is hospital cash insurance?
Hospital cash gives you cash compensation when you are hospitalised, protecting you against the loss of income. A standalone hospital cash benefit plan is payable according to the amount of your daily sum insured... Read more
What is loading?
Loading is a term used in the insurance industry to refer to the extra charge added to the subscription at renewal due to previous claims made by the subscriber... Read more

Enrolment hotline
Mon-Fri 9am-9pm
(except public holidays)
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