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Top up your medical coverage at different life stages
  • Specially designed for members insured under a Bupa group medical scheme
  • Enjoy additional medical coverage and continued protection even if your employment status changes
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No underwriting

You can enrol in Bupa VTop's Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit without underwriting regardless of your health conditions

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Multiple enrolment windows throughout your life

You can enrol in Bupa VTop when you start a new job, upon renewal of your group scheme, before or after changing jobs, before retirement, or even when you get married/have children for greater flexibility

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No waiting period

Cover starts immediately after your policy takes effect , and there's no gap between the end of your group membership and the inception of this scheme

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Guaranteed lifetime renewal

Your premium will be based on your age only, no matter how many claims you've made

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Benefit Features

Boosting your group cover

We’ll pay your expenses under your Bupa group scheme first, and then reimburse the remaining eligible expenses under Bupa VTop to fully cover your medical expenses (if applicable) without paying anything out-of-pocket.

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Enjoy continuous coverage

Even after you’re retired without any group coverage, this scheme can pay up to the maximum benefit limit for each operation, or reimburse 80% of your eligible medical expenses

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Covers pre-existing conditions

as long as you've been continuously insured under a Bupa group scheme and/or Bupa VTop for a total of at least 12 consecutive months

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Comprehensive coverage

Provides Cancer Treatment and Kidney Dialysis Benefit and Psychiatric Treatment Benefit

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Plan Options

Plan 1 - Itemised Hospital and Surgical Benefit

Benefit level

Private

Overall annual limit

No limit before age 65, payable up to the maximumlimit of each benefit item for each operation

Subscriptions as low as

HK$761/month  
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Plan 4 - Lump Sum Hospital and Surgical Benefit

Benefit level

Private

Overall annual limit

HK$600,000 / 80%

Annual deductible

HK$100,000

Subscriptions as low as

HK$411/month  
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Plan 2 - Itemised Hospital and Surgical Benefit

Benefit level

Semi-private

Overall annual limit

No limit before age 65, payable up to the maximum limit of each benefit item for each operation

Subscriptions as low as

HK$391/month  
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Plan 5 - Lump Sum Hospital and Surgical Benefit

Benefit level

Semi-private

Overall annual limit / Reimbursement percentage

HK$300,000 / 80%

Annual deductible

HK$80,000

Subscriptions as low as

HK$121/month  
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Plan 3 - Itemised Hospital and Surgical Benefit

Benefit level

Ward

Overall annual limit

No limit before age 65, payable up to the maximumlimit of each benefit item for each operation

Subscriptions as low as

HK$235/month  
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Plan 6 - Lump Sum Hospital and Surgical Benefit

Benefit level

Ward

Overall annual limit / Reimbursement percentage

HK$150,000 / 80%

Annual deductible

HK$30,000

Subscriptions as low as

HK$97/month  
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This plan is suitable for existing Bupa group scheme members and their family members, especially if you...

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wish to boost your existing group medical coverage

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need continued protection as you plan to leave the workforce or retire

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want continuous cover for pre-existing conditions that are payable under your Bupa group scheme

Eligibility

Existing Bupa group scheme members with Hospital and Surgical Benefit
  • No underwriting required
  • Eligible for enrolment during any one of the following periods :
    1. Within 60 days of joining a Bupa group scheme;
    2. Within 60 days after the Contract Anniversary Date of a Bupa group scheme;
    3. Within 30 days before or after the last day of the Bupa group scheme membership due to employment termination or retirement; or
    4. Within 30 days after marriage or child's birth.
  • Aged 15 days or above at contract commencement
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Non-Bupa group scheme members
  • Spouse, domestic partner, children, parents or siblings of an existing Bupa group scheme member who are not a member of a Bupa group scheme
  • Subject to underwriting
  • Aged 15 days to 80 years (inclusive) at contract commencement
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Other Plan Details

Supplementary Major Medical Benefit

The Supplementary Major Medical Benefit can top up your hospital cover by paying 80% of your medical expenses in excess of the amount covered by the Itemised Hospital and Surgical Benefit, which helps to reduce your potential out-of-pocket expenses.

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 behavioural conditions, senile dementia (including Alzheimer’s disease) and Parkinson’s disease. Other items such as general practitioners, specialists, diagnostic imaging and laboratory tests are also covered . You can also enjoy cashless service and full cover at network clinics with a Bupa medical card. What’s more, you can enjoy video consultation services to consult our selected doctors through a video call comfortably and safely at home. Visit www.bupa.com.hk/vc for details. Terms and conditions apply.

Health Coaching Services

Offer 24/7 Healthline, second medical opinion and Care Manager to follow up on claims and assist members throughout treatment and recovery.

Free Bupa Worldwide Assistance Programme

Offers medical support and assistance if members need help while overseas or in mainland China.

Blua Health wellness app
Use our wellness app Blua Health to manage your health and get rewards! Through Blua Health, you can track your progress, book into wellness classes and read health tips from experts. You can also earn points to redeem rewards for healthy living. Download Blua Health now and start living healthy today!
Bupa's one-stop specialist treatment programmes
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.
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
  • Direct access to Bupa’s wellness app Bupa4Life and 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 (see Remark 6).
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.
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.
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.
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.
Bupa VTop
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From

HK$97/month
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Remarks
  • 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.
  • 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.
  • Enrolment is only allowed once per lifetime.
  • 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.
  • 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.
  • 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.
  • Enrolment without underwriting is only applicable to Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit. Enrolment in Optional Clinical Benefit requires underwriting.
  • 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).
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 Contract. Please refer to the Contract 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
Need help?
Enrolment hotline
Mon-Fri 9am-9pm
(except public holidays)
Enquiry
group-39694
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