Bupa VTop

• Supplementary Major Medical Benefit
• Clinical Benefit

1. Will Bupa VTop cover all pre-existing conditions that arose before my membership was effective?
   All pre-existing conditions which are payable under your Bupa group scheme shall be covered under Bupa VTop'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. However, coverage for pre-existing conditions isn't available for non-Bupa group scheme members.
   
   
2. Can I upgrade my room level or add optional benefits after my membership is effective?
   Room level upgrade or switching between Itemised Hospital and Surgical Benefit and Aggregate Hospital and Surgical Benefit is not allowed after your membership is effective.
   
   You can add the Optional Clinical Benefit upon renewal, subject to underwriting. However, if you've terminated this optional benefit before, you'll not be allowed to re-apply.
   
   Application for the Optional Supplementary Major Medical Benefit is only allowed during enrolment. You can't add this optional benefit at renewal.
   
   
3. Will I still be reimbursed if my Bupa group scheme is terminated when I change my job or retire?
   If you have an active Bupa group scheme, your hospital expenses can be reimbursed through Bupa VTop once the claims have been processed under your group scheme. However, if your Bupa group scheme is terminated, you'll still be able to claim from Bupa VTop from the first dollar, subject to the annual deductible (if applicable), overall annual limit and item limits (if applicable) of your chosen benefit level.
   
   
4. If I've terminated my Bupa VTop scheme, can I re-apply in the future?
   No. Enrolment in Bupa VTop is allowed only once per lifetime.
   
   

Issue age

Aged 15 days to 69 years (inclusive) at contract commencement

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
• Special loyalty reward for certain programmes (supermarket coupon)

Bupa's one-stop specialist treatment programmes include:
Bupa DAY series

• Day-case endoscopy
• Eye day surgeries
• Clinical treatments for skin conditions

Bupa WAY series

• Clinical treatments for musculoskeletal pain

For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.

1. Optional Supplementary Major Medical Benefit is available for enrolment for eligible group members only. For details, please refer to the "Eligibility" section of the product brochure.
2. 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. Coverage for pre-existing conditions isn’t available for non-Bupa group scheme members.
3. Enrolment is only allowed once per lifetime.
4. 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.
5. 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.
6. The use of Health Coaching Services is free of charge. If the services suggested by us are not covered under Bupa VTop Health Insurance Scheme, you will be responsible for the fees incurred. Availability of the above services is dependent on room level chosen. Please refer to the Schedule of Benefits for details.
7. Enrolment without underwriting is only applicable to Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit. Enrolment in Optional Clinical Benefit requires underwriting.
8. If the number of employees joining your company's Bupa group scheme is between 2 – 9, you can only enrol in this scheme within 30 days before or after termination of your Bupa group scheme membership when your employment ends (except when you retire).

Bupa has launched a series of extended coverage for coronavirus disease. View more details here.