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Bupa Transfer Care

Uninterrupted care through every life stage

Bupa Transfer Care medical insurance scheme is exclusively for Bupa group medical insurance members to continue your health cover at the same room level after your group membership ends.

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Levy collected by the Insurance Authority will be imposed on each policy at the applicable rate. The price quoted (if applicable) does not include the applicable levy yet.
[Welcome offer]

Extra HK$100 shopping vouchers for new members*

*New members of designated plan who register our Bupa4Life app within two months upon policy effective date will receive 1,200 Bupa4Life bonus points which can redeem shopping vouchers valued at HK$100 in the app. Please refer to terms and conditions for details.

Guaranteed Cover for Pre-Existing Conditions
We guarantee that you can join Bupa Transfer Care after your group membership ends without underwriting regardless of your health conditions. Your medical conditions protected by your previous group membership will be covered under this scheme.
Same Room Level Transfer
You can access the same level of hospital facilities you used to enjoy with your group scheme when you transfer over to this scheme.
Comprehensive Mental Health Coverage
This scheme's Hospital and Surgical benefit and optional Clinical Benefit provide psychiatric-related coverage to take care of your mental wellbeing.
Guaranteed Lifetime Renewal
Bupa guarantees that your cover is renewable for life, regardless of any changes in your health condition after becoming our member.
Higher Surgical Benefit
Enjoy higher cover if you need more than one operation because Bupa pays out surgical benefit on a per-operation basis rather than per disability. You can claim up to the maximum benefit limit for each operation.
No Waiting Period
Your cover starts immediately after the contract effective date without any waiting period. As there is no lapse between the end of your group membership and the inception of this scheme, you can enjoy continuous cover without interruption.
Optional Benefits to Boost Your Cover
You can opt for the Supplementary Major Medical (SMM) Benefit to top up your hospital cover. A medical card will be issued for you to access cashless inpatient treatment at designated private hospitals in Hong Kong. You can also apply for the Clinical Benefit to cover outpatient expenses.
24/7 Medical Professionals Support
A team of qualified nurses and healthcare professionals will provide guidance on your health related questions on the phone, with the support of doctors.
24/7 Customer Care helpdesk
Available 24 hours every day, our Customer Service team will directly answer your policy-related questions.
Other Health Coaching Services:
  • A 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 Manger will make a courtesy call or visit, with your consent.1
  • Healthcare centre choices and a second medical opinion are available to support you throughout treatment and recovery.2
Other Features
  • Up to 15% no claim renewal discount (NCB)
  • Up to 50% child subscription discount when you enrol your family
  • No minimum length of hospital stay
Basic Benefit
  • Hospital and Surgical Benefit
    • Ward/ Semi-private/ Private room levels
      You can choose to transfer your membership to the same room level as your entitled room level or lower under your group medical insurance scheme.
    • Room and Board
    • Miscellaneous Hospital Services
    • Intensive Care
    • Private Nursing
    • Surgeon and Attendance Fees
    • Anaesthetist's Fees
    • Operating Theatre Fees
    • In-patient Physician's Fees
    • In-patient Specialist's Fees
    • Cancer Treatment and Kidney Dialysis
    • Companion Bed
    • Day Case Endoscopy Procedure
    • Day Case Viral Warts and Skin Lesions Procedure
    • Pre-admission and Post-hospitalisation Out-patient Care
    • Emergency Out-patient Benefit for Accidents
    • Psychiatric Treatment
Free benefits
Optional Benefit
  • Supplementary Major Medical Benefit
    • No need to pay any deposit, hospital bills or file a claim if you use our medical card at any local private Hong Kong hospitals 
    • Cover starts from the first day of your hospital stay
    • We pay 80% of the medical expenses in excess of the amount payable under the Hospital and Surgical Benefit

  • Clinical Benefit
    • Covers general practitioner, specialist, home consultation, diagnostic imaging and laboratory tests, prescribed western medication, physiotherapists, chiropractors, Chinese herbalists, and Chinese bonesetters
    • Includes coverage for psychiatric-related treatments and psychological counselling, such as outpatient treatments for psychiatric, psychological, mental or behavioural conditions, senile dementia (including Alzheimer’s disease) and Parkinson’s disease
Bupa has set up a series of treatment programmes for members focusing on different specialities, providing personalised care and guidance through network providers and a health coaching team. Through these programmes, you can enjoy the following benefits:
  • Multiple specialties to meet different medical needs
  • Experienced health professionals to guide you from consultation through treatment and follow-up
  • Quality assured network clinics and facilities
  • Cashless treatment with eligible medical card
Bupa's one-stop specialist treatment programmes include:
Bupa DAY series
  • Eye day surgeries
  • Day-case gynaecological procedures
Bupa WAY series
  • Clinical treatments for musculoskeletal pain
  • Guidance and treatments to support breast health
For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.
For details, please download

Product Brochure and Schedule of Benefits.

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.

Talk to us

Contact our health management consultant to get details and advice.

2517 5860

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

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Simply fill in your details below and we will be in touch today or by the next working day. You may also call us directly at 2517 5860.

Member get member

Rewards for referrers

Get HK$300 supermarket coupons for every successful referral!

No limit on the referrals you can make!

Rewards and enrolment discount for referees

The referees can also get HK$300 supermarket coupons if they successfully enrol in any Bupa individual insurance scheme* PLUS the following first-year subscription / premium discount on designated schemes # :

  • 【Limited-time offer】 Bupa HERO VHIS Plan - Up to 41% off for single enrolment and up to 50% off for family enrolments
  • 【New】 Bupa SAFE Critical Illness Insurance Scheme - 20% off for single enrolment, 40% off for 2 or more enrolments
  • Other selected individual medical schemes: up to 30% off

The promotion is valid until 31 December 2022. Act now!


To enjoy the referral reward, the referee must submit the Bupa Member-get-Member Programme Registration Form (PDF, 209KB)together with the Bupa health insurance application.
*The referee must successfully enrol in any Bupa individual insurance scheme with first year’s annual premium or subscription over HK$3,000 or equivalent through a Bupa insurance intermediary.
#Subject to terms and conditions of the programme.

Bupa Member-get-Member programme Terms and Conditions (PDF, 286KB)

Bupa Hero VHIS Plan enrolment offer terms and conditions (PDF, 282KB)

Bupa Safe Critical Illness Plan Welcome Promotion Offer Terms and conditions (PDF, 267KB)
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