Hang Seng Bupa Excel Plus
Health Insurance Scheme
Your lifelong health partner

Key Features

Full cover for surgical expenses and
hospital stay in a semi-private room¹

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Enjoy up to HKD12 million medical protection per year with full cover¹ for hospital stay in a semi-private room, surgical and cancer treatment expenses. The coverage will be reinstated each year

Cashless treatment with no claim hassles²

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Enjoy the convenience of cashless treatment with no claim hassles² by using your Bupa medical card

Covers five types of therapies
after discharge from hospital

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Chinese herbalist consultation and acupuncture
Psychological counseling
Dietetic consultation
Speech therapy
Occupational therapy

HealthPro Concierge Service

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Arrange Second Medical Opinion from a global panel of medical specialists
24/7 Healthline to answer your health related enquiries
A personal Care Manager will be by your side throughout your hospital stay in a local private hospital

Plan Details

Ways to reduce your premium!

Click “Read More” to view the details.

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This scheme offers 3 deductible³ options. You can use your existing personal or group health insurance to offset part of your medical expenses.

What’s a Deductible?

A “deductible” is the cost that an insured person must pay for him/herself before the insurance company reimburses any medical expenses.

Case Sharing

(The content is for illustrative purposes only)

Mr. Wong

Age 40, Business Manager, covered by group medical insurance provided by his employer. Married, with a 5-year-old and a 6-year-old children

Mr. Wong enjoys an annualised premium discount of 15% off⁵ by enrolling in the Excel Plus Health Insurance Scheme with his two children. As Mr. Wong’s family is already covered by his company’s group medical insurance, he can use its claim amount to offset the payable deductible. By opting for a HKD40,000 deductible, he can reduce the premium by nearly 47%.

Premium Calculation

Family Premium of Mr. Wong and his children (with an annualised premium discount of 15%)	Deductible Options
	HKD0	HKD12,000	HKD40,000
Annual Premium after Discount^#	HKD28,772	HKD18,152	HKD15,150
Percentage of Premium^# Saved	N/A	36.9% (HKD10,620 in premium)	47.3% (HKD13,622 in premium)

^# The above premium rate is valid until the contract effective on 1 September 2020.
The above premium does not include the levy which is collected by the Insurance Authority.
For general information on the applicable levy rates, please visit

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View Plan Details

hangseng.com/medicalplan

Instant Quote

hangseng.com/medins

Phone Application / Enquiry

2998 9886

Visit Our Branches

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Instant Quote

hangseng.com/medins

Phone Application / Enquiry

2998 9886

Visit Our Branches

Hang Seng
Bupa PreciousHealth Series
Health Insurance Schemes

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	Essential	Excel	Excel Plus	Global Supreme	Global Infinite
Policy Type	Individual	Individual or Family	Individual or Family	Individual or Family	Individual or Family
Issue Age	15 days - age 65	15 days - age 75	15 days - age 75	Age 0 - 80	Age 0 - 80
Promotion Offers for enrolment by phone (Promotion Period: 2 Dec 2019 to 29 Feb 2020)
First-year Premium Discount⁶	10%^*	10%^*	10%^*	N/A	N/A
Promotion Offers for enrolment via branches (Promotion Period: 2 Dec 2019 to 29 Feb 2020)
First-year Premium Discount⁶	N/A	N/A	HKD300^*	HKD1,000^*	HKD5,000^{^}
Key Highlights
Medical Cover¹	up to HKD235,000 per year⁷	up to HKD4 million per year⁸	up to HKD12 million per year	up to HKD30 million per year	No upper limit
Geographic Area	Global (Treatment received overseas will be paid for under the Standard Benefit only)	Global (The maximum benefit is limited to 50% of all eligible medical expenses with an overall annual limit of HKD500,000 for any treatment received in the USA)	Global (Excluding the USA and Canada)	Global	Global
Room Type	Ward	Semi-private Room	Hong Kong / Macau / China / Taiwan: Semi-private Room Other covered areas: Standard Private Room	Standard Private Room	Standard Private Room
Basic Benefit	Hospital and Surgical	Hospital and Surgical	Hospital and Surgical	Hospital and Surgical	Hospital and Surgical Outpatient Pregnancy and Chidbirth¹⁰ Dental and Optical¹¹
Optional Benefits	Outpatient Dental	Outpatient Dental Maternity⁹	Outpatient Dental Maternity⁹	Outpatient Dental and Optical (Must be enrolled with Outpatient Benefit)	N/A
HeatlhPro Concierge Service	N/A
Deductible³ Options (HKD)	N/A	0 / 12,000 / 40,000	0 / 12,000 / 40,000	0 / 12,000 / 40,000 / 80,000	N/A

^* Applicable to the annual premium payment mode
^{^} Applicable to the annual or half-year premium payment mode

Arrange a Call-Back

Logon to Personal e-Banking > Insurance > Medical > Hang Seng Bupa PreciousHealth Series

Phone Application

2998 9886

(Applicable to Essential, Excel & Excel Plus)

Visit Our Branches

Arrange a Call-Back

Logon to Personal e-Banking > Insurance > Medical > Hang Seng Bupa PreciousHealth Series

Phone Application

2998 9886

(Applicable to Essential, Excel & Excel Plus)

Visit Our Branches

Notes:

Subject to eligible expenses and the annual limit. Policyholders need to follow the required procedures to enjoy full cover. Please refer to the Schedule of Benefits and contract for details.
a.

Policyholders need to follow the required procedures to enjoy cashless treatment. Please refer to the Schedule of Benefits and contract for details. Cashless treatment is applicable to designated private hospitals in Hong Kong. For this list, please visit our webpage www.hangseng.com/medicalplan. This list is subject to change from time to time.

b.

A Bupa medical card will be issued if you have a Hong Kong correspondence address. Your Bupa medical card cannot be used at the day-case centre of a local private hospital. Cashless treatment is not applicable to the Maternity Benefit, complications of pregnancy and psychiatry-related treatment.
Deductible is the portion of eligible medical expenses is paid by the policyholder before any claims settlement is paid by Bupa per contract year.
This offer is applicable to enrolments made through the Hang Seng Bupa Medical Insurance Hotline 2998 9886. For the details of the Excel Plus Health Insurance Scheme's offer, please refer to the Terms and Conditions for the Hang Seng Bupa PreciousHealth Series Health Insurance Schemes' offers.
Family premium discount is only applicable to the Hospital and Surgical Benefit. You will enjoy a 10% discount for joint enrolment of two eligible family members or a 15% discount for joint enrolment of three or more eligible family members respectively. Please refer to the contract for the individual insurance scheme for the definition of eligible family members.
Promotion offers are applied to each insured person with premium paid.
Overall annual limit for contracts effective from 1 October 2019:
- For members below 65 on the contract effective date: HKD235,000
- For members aged 65 or above on the contract effective date: HKD168,000
The annual maximum cover for members aged 65 or above on the contract effective date and that for treatment received in the USA under the Excel Health Insurance Scheme are different.
Maternity Benefit is only applicable to female members who are aged 18 to 49. The benefit is payable provided that the pregnancy commences after this benefit takes effect and the member has been continuously covered under this benefit for 9 months or more.
Cover for pregnancy and childbirth only begins when the contract has been in effect for 10 months.
The overall annual limit for dental and optical benefits altogether is HKD117,000.

The promotion period of the relevant health insurance schemes‘ offers is from 2 December 2019 to 29 February 2020 and the contract for the relevant health insurance schemes shall be signed within the promotion period. For further details of the offers for the relevant health insurance schemes, please refer to the relevant promotion leaflet or the relevant Terms and Conditions or contact Hang Seng Bank branch staff.

For Terms and Conditions of the First-year premium discount, please click here.

The above information is a product summary for reference only. Please refer to the contract for detailed coverage, exact Terms and Conditions and exclusions. In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail. The Relevant Schemes are underwritten by Bupa (Asia) Limited ("Bupa"), which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by Bupa for the exclusive distribution of the above schemes. Subscription will be payable to Bupa upon enrolment in the Relevant Schemes. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of Relevant Schemes. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of the staff performance but not solely on the sales amount. HealthPro Concierge Service is provided by Bupa. In respect of an eligible dispute arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.

Ways to reduce your premium!

What’s a Deductible?

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Hang Seng
Bupa PreciousHealth Series
Health Insurance Schemes