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Bupa VTop

Top up your medical coverage at different life stages

Bupa is always here to provide coverage for you – no matter if you're pursuing a new career, beginning a new chapter by getting married or starting a family, or planning for a second life after retirement. As long as you're insured under a Bupa group medical scheme, you and your dependants can enrol in Bupa VTop Health Insurance Scheme ("Bupa VTop") at different life stages once per lifetime, for additional coverage and continued protection even if your employment status changes.



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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.
【Limited Time Offer】

Active group members can enjoy an extra 10% off* if you and your family members enrol.

*Terminated or retired group members are not able to receive 10% discount. Terms and conditions apply.

Covers pre-existing conditions
Unlike most individual medical insurance plans which provide no coverage or insure pre-existing conditions only with an additional subscription, your pre-existing conditions (see Remark 2) will be covered by this scheme 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.
No underwriting
You can enrol in Bupa VTop's Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit (see Remark 1) without underwriting regardless of your health conditions.
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 (see Remark 3) for greater flexibility.
No waiting period
Your cover will start immediately once your Bupa VTop scheme is in effect without any waiting period (see Remark 4), and there's no gap between the end of your group membership and the inception of this scheme.
Guaranteed lifetime renewal
Bupa guarantees that your cover can be renewed for life (see Remark 5). Your subscription will be based on your age only regardless of any changes in your health after joining.
  • Supplementary Major Medical Benefit
  • Clinical Benefit
Health Coaching Services

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 (see Remark 6).


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Free Bupa Worldwide Assistance

Free Bupa Worldwide Assistance Programme

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




Bupa VTop

Manage your scheme with myBupa

Available as both an employer portal and smartphone app for members to manage benefits, submit claims online, search for network doctors and more.


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Bupa VTop

Bupa4Life wellness app

Manage health goals, book into wellness classes and activities for free and get rewards.

 



Learn More

Free Bupa Worldwide Assistance Programme
  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.

Existing Bupa group scheme members

Existing Bupa group scheme members with Hospital and Surgical Benefit

  • No underwriting required (see Remark 7)
  • Eligible for enrolment during any one of the following periods (see Remark 8):
    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 termination of a Bupa group scheme membership;
    4. Within 60 days before age 70; or
    5. Within 30 days after marriage or child's birth.

 

 

Non-Bupa group scheme members

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
  • Enrol any time, subject to underwriting



Issue age

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

  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).

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)

【Get Quote or Details】

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.

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Rewards for referrers

Get HK$500 in supermarket coupons for every successful referral you make!

There's no limit on the referrals you can make. The more you refer, the higher the rewards!

Exclusive offer for referrers

If your family and friends successfully enrol in Bupa individual medical scheme, your family and friends can enjoy the following rewards:

  • 【Limited-time offer】 Bupa HERO VHIS Plan - 30% off for single enrolment and up to 70% off for 3 or more 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 2021. Act now!


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