Bupa CarePro/Care Kid migration

Let's take Bupa member Mr. Chan as an example. At age 40, he had a cholecystectomy at one of Bupa's designated private hospitals. He got pre-authorisation to enjoy full cover and cashless treatment. Here’s how his total medical expenses of HK$262,000 would be paid under Bupa CarePro with Full Cover Benefit at ward level vs Bupa MyFlexi with Push the Limit Benefit (Standard Plus).

With Bupa MyFlexi, most of Mr. Chan's medical expenses are covered and he just needs to pay HK$400 himself.

In terms of premiums, Mr. Chan would pay HK$4,347 per year for Bupa CarePro with Full Cover Benefit at ward level. His premiums would be slightly higher for Bupa MyFlexi with Push the Limit (Standard Plus) at HK$6,860 per year (see remark 8). However, he can claim a tax deduction on up to HK$8,000 of his VHIS plan premium expenses each year.

1. How many individual schemes can I buy from Bupa? If I migrate my Bupa CarePro or Care Kid scheme to Bupa MyFlexi VHIS Plan, can I buy another Bupa VHIS plan or other Bupa scheme later?
   There's no limit on the number of plans you can purchase as a policy holder for your family members. In general, you can also be covered as an insured person by more than 1 individual policy, as long as the plans are different. However, some restrictions may apply to certain Bupa products.
   
   
2. Will the exclusions and/or loading that apply to an existing scheme be carried over to my new VHIS plan?　
   Yes, the medical conditions which are excluded and/or covered with an extra premium under your existing policy will remain the same after the transfer.
   
   
3. How will the waiting period for unknown pre-existing conditions be counted after migration?
   For VHIS plans, the waiting period and reimbursement percentage for unknown pre-existing conditions are as follows:
   First policy year: no coverage
   Second policy year: 25% reimbursement
   Third policy year: 50% reimbursement
   Fourth policy year onwards: 100% reimbursement
   
   When you transfer from Bupa CarePro/Care Kid to Bupa MyFlexi, we’ll count the waiting period above based on the coverage commencement date of your existing scheme.
   
   For example, you purchased Bupa CarePro in September 2019. During renewal in September 2021, you switch to Bupa MyFlexi VHIS Plan. Claim reimbursement related to unknown pre-existing conditions will be counted from the third policy year. That means you’ll be reimbursed at least 50% of the benefit limit.　
   
   Details will be set out in the endorsement(s) attached to your MyFlexi policy after migration.
   
   
   
   
4. What tax deduction can I receive after migration?
   You can purchase a VHIS certified plan for yourself or your family members and claim a tax deduction on the qualifying premiums paid. Each policy holder can claim a tax deduction on qualifying premiums up to HK$8,000 per insured person each year (excluding premium levy). There's no limit on the number of insured persons and/or policies claimed. For more details, please visit our website.
   
   
5. I enrolled in Bupa CarePro when I was 59 years old. If I migrate my policy to Bupa MyFlexi at age 60, do I need to pay the overage premium (applicable to new insured persons joining at age 60 or above) under the VHIS plan?
   No. Your premium will be based on the date your Bupa CarePro plan started. In this case, you joined before age 60 and there's no underwriting required for migration. So, you only need to pay the renewal premium shown in the Standard Premium Schedule of the Bupa MyFlexi VHIS plan under "For Insured Persons from Age 0 to 59 years at Policy commencement".
   
   However, if you enrolled in Bupa CarePro at age 61 and migrated after that, you would need to pay the renewal premium under "For Insured Persons from Age 60 to 69 years at Policy commencement".　
   
   
6. Can I migrate to Bupa MyFlexi VHIS Plan and also upgrade my room level?
   Yes, you can. However, all applications are subject to medical underwriting.
   If migration is allowed after underwriting, benefits paid for any Previous Conditions (see remark 9) will be subject to the lower benefit conditions shown in the Supplement – Layered Benefits attached to your Bupa MyFlexi policy.
   
   
7. Can I migrate from Bupa CarePro / Care Kid to another Bupa plan?
   No. This offer is only available for existing Bupa CarePro and Care Kid members to migrate to Bupa MyFlexi VHIS Plan.

• Deluxe / Deluxe Plus: F00029-03-000-02 / F00029-03-001-02
• Advance / Advance Plus: F00029-02-000-02 / F00029-02-001-02
• Standard / Standard Plus: F00029-01-000-02 / F00029-01-001-02

1. For Bupa CarePro and Bupa Care Kid, the contract anniversary date must be 1 Aug 2021 or later and the policy must be in force at the time of migration. All migration arrangements will be subject to Bupa's prevailing policies at the time of transfer. Migration is only available for Bupa CarePro and Bupa Care Kid members.
2. Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the Food and Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HK$8,000 per insured person each year. These persons must be included in the list of "specified relatives" in Inland Revenue Ordinance (Cap. 112). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for the certified plans, but not any other optional benefits, with policy effective date of 1 April 2019 or later. There is no limit on the number of insured persons and/or policies claimed by each taxpayer. Policies purchased for a domestic partner, grandchild(ren) or domestic partner's parents/children are not eligible for tax deduction. For details about tax deduction, please visit www.bupa.com.hk/taxfaq.
3. If you want to change your plan level or benefits when you migrate to MyFlexi, underwriting will be required. Please contact your health management consultant for details.
4. Eligible expenses arising from pre-existing conditions that the insured person wasn't aware of, as well as congenital conditions with symptoms appearing or diagnosed after age 8, are subject to the following waiting period (counted from the Bupa CarePro/Care Kid coverage commencement date) and reimbursement percentage:
   a. First policy year: no coverage;
   b. Second policy year: 25% reimbursement;
   c. Third policy year: 50% reimbursement;
   d. Fourth policy year onwards: full coverage.
5. Upon renewal, the no claim renewal discount will be applied to the premium of the Bupa MyFlexi basic benefits and enhanced benefits only (inclusive of premium loading), but not Push the Limit and other optional benefits, if no claim was paid during the specified period. The consecutive no claim contract years under Bupa CarePro/Care Kid will also be counted.
6. Child discount will be applied to the premium of the MyFlexi basic benefits and enhanced benefits only (inclusive of premium loading), but not Push the Limit and other optional benefits. Child discount will be valid as long as one or two parent(s) of the insured child is/are also covered under a Bupa MyFlexi VHIS plan. If the eligibility requirements for child discount cannot be met, Bupa has the right to ask the policy holder to repay the difference in premiums.
7. The availability of these services is dependent on plan level. Please refer to the Summary of Benefits for details.
8. Premiums shown do not include any promotional offers or discounts which may be available.
9. Previous Condition means all medical conditions(s) that were directly or indirectly caused by or resulting from any disability that began in the period between the commencement date of your existing plan and the Policy Effective Date of a VHIS Flexi Plan.