Bupa All Together - Family Medical Insurance Plan

Notes:

1. 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.
2. One-year premium waiver is applicable to premiums paid for Hospital and Surgical Benefit and optional benefits (if any) of the following policy year, upon written request from the policy holder with relevant supporting documents. Please refer to the Policy for detailed terms and conditions.
3. For expenses incurred under optional benefits outside area of cover, no benefits shall be payable. Please refer to the policy for details.
4. 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.
5. 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. Parents also have the option to upgrade their child to a plan with higher coverage at their own expense. Please refer to the Bupa Safe Critical Illness Insurance Scheme Policy for detailed terms and conditions. For enrolment details, please refer to membership guide or contact your health management consultant or insurance consultant.
6. Cashless service is not applicable to items (k), (l), (o), (q) and (r) listed in the Summary of Benefits. Your medical card is not applicable to the outpatient department of a local private hospital. You need to follow the required procedures and obtain pre-authorisation from Bupa to enjoy cashless service. Designated private hospitals for cashless service include Canossa Hospital (Caritas), CUHK Medical Centre, Evangel Hospital, Gleneagles Hong Kong Hospital, Hong Kong Adventist Hospital - Stubbs Rd., Hong Kong Adventist Hospital - Tsuen Wan, Hong Kong Baptist Hospital, Hong Kong Sanatorium & Hospital, Matilda International Hospital, Precious Blood Hospital (Caritas), St. Paul's Hospital, St. Teresa's Hospital and Union Hospital. This list is subject to change from time to time. Please log in to Bupa’s customer service portal myBupa to view the latest list of Bupa HealthPlus appointed service providers. This list is subject to change from time to time. Bupa will directly pay your eligible medical expenses to the hospitals and service providers subject to the credit limit stated in your pre-authorisation letter and the benefit limit available under your Policy. You will need to reimburse Bupa for any ineligible medical expenses.
7. Bupa guarantees that the cover can be renewed every year for life, as long as the insured persons meet the requirements as stated in the renewal provisions of your policy terms and conditions. Bupa reserves the right to amend the premium, benefits, terms and conditions upon policy renewal. Please refer to your policy for further details.
8. For expenses incurred under optional benefits outside area of cover, no benefits shall be payable. Please refer to the policy for details.
9. The discount will be applied to the premium of the Hospital and Surgical Benefit only, but not any optional benefits. The discount will be valid as long as one or two parent(s) of the insured person is/are also covered under Bupa All Together Health Insurance Scheme. Children below the age of 18 are entitled to either family discount or child discount, whichever is higher.
10. The discount will be applied to the premium of the Hospital and Surgical Benefit only, but not any optional benefits. Children below the age of 18 are entitled to either family discount or child discount, whichever is higher.
11. Upon renewal, the no claim renewal discount will be applied to the renewal premium of the Hospital and Surgical Benefit only, but not any optional benefits, if no claim claims payment has been made or is payable under Hospital and Surgical Benefit during the specified period.
12. Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon – Fri, from 9am to 6pm (Hong Kong time), except public holidays.