Hang Seng Bupa Excel Plus
Health Insurance Scheme

Key Features

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

Hide Content

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 and no claim hassle²

Hide Content

Enjoy the convenience of cashless treatment with no claim hassle² by using your Bupa medical card

Cover five types of therapies
after discharge from hospital

Hide Content

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

HealthPro Concierge Service

Hide Content

A personal Care Manager will follow up with you throughout your hospital stay in a local private hospital

Plan Details

Ways to reduce your premium!

Click “Read More” to view the details.

Hide Content

This scheme offers 3 deductible³ options. You can use your existing or company’s 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 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 subscription 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^# Saving	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 levy which is collected by the Insurance Authority.
For general information on the applicable levy rates, please visit

Act Now !

Instant Quote

hangseng.com/medins

Phone Application / Enquiry

2998 9886

Visit Our Branches

Act Now !

Instant Quote

hangseng.com/medins

Phone Application / Enquiry

2998 9886

Visit Our Branches

Hang Seng
Bupa PreciousHealth Series
Health Insurance Schemes

Hide Content

	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 Gifts and Application Methods
Promotion Gifts⁶	HKD100 Gift Voucher (Personal Care Products Chain Store)^*	HKD300 Gift Voucher (Personal Care Products Chain Store)^*	HKD300 Gift Voucher (Personal Care Products Chain Store)	HKD1,000 Gift Voucher (Personal Care Products Chain Store)	HKD5,000 Hotel Gift Voucher
Application Methods	Apply online Call 2998 9886 2998 9886 Visit our branches Apply online Call 2998 9886 Visit our branches Apply online Call 2998 9886 Visit our branches	Apply online Call 2998 9886 2998 9886 Visit our branches Apply online Call 2998 9886 Visit our branches Apply online Call 2998 9886 Visit our branches	Call 2998 9886 2998 9886 Visit our branches Call 2998 9886 Visit our branches Call 2998 9886 Visit our branches	Visit our branches Visit our branches Visit our branches	Visit our branches Visit our branches Visit our branches
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 under the Standard Benefit only)	Global (The maximum benefit is limited to 50% of all eligible medical expenses with annual maximum amount of HKD500,000 for any treatment received in USA)	Global (Exclude 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 applied 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

^* The offer is only available for those who apply the plan via phone or our website

Online Application

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

(Applicable to Essential & Excel)

Phone Application

2998 9886

(Applicable to Essential, Excel & Excel Plus)

Visit Our Branches

Online Application

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

(Applicable to Essential & Excel)

Phone Application

2998 9886

(Applicable to Essential, Excel & Excel Plus)

Visit Our Branches

Note:

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. The 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 Maternity Benefit, complications of pregnancy and psychiatry-related treatment.
Deductible is the portion of eligible medical expenses paid by the policyholder before any claims settlement payable by Bupa per contract year.
This offer is applicable to application through Hang Seng Bupa Medical Insurance Hotline 2998 9886 or at Hang Seng Bank branches. For details of Excel Plus Health Insurance Scheme's offer, please refer to the Terms and Conditions of the Hang Seng Bupa PreciousHealth Series Health Insurance Schemes' offers.
Family premium discount is only applicable to Hospital and Surgical Benefit. You will enjoy a 10% and 15% discount for joint application of two and three or more eligible family members respectively. Please refer to the contract of the individual insurance scheme on the definition of eligible family members.
Promotion Gifts are issued for each contract regardless of the number of family members.

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

Overall annual limit for contracts effective before 30 September 2019:

For members below 65 on the contract effective date: HKD230,000
For members aged 65 or above on the contract effective date: HKD165,000

The annual maximum cover for members aged 65 or above on 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 you have been continuously covered under this benefit for 9 months or more.
Cover for pregnancy and childbirth only begins when the insurance has been in effect for 10 months.
The maximum limit of dental and optical benefits are total of HKD117,000 per year.

The promotional period of the relevant health insurance schemes' offer is from 1 June 2019 to 31 August 2019 and the relevant health insurance schemes shall be signed within the promotional period. For further details of the offer of relevant health insurance schemes, please refer to the relevant promotional leaflet or relevant Terms and Conditions or contact Hang Seng Bank branch staff.

For Terms and Conditions of Promotion Gifts and Family enrollment offer, please click here.
For Terms and Conditions of Pacific Coffee Fresh Fruit Juice E-voucher, 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 authorized 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 of Relevant Schemes. Bupa would provide Hang Seng Bank the relevant commission and performance bonus in accordance to the selling of Relevant Schemes. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely on the sales amount. In respect of an eligible dispute arising between the 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. HealthPro Concierge Service is provided by Bupa.

Ways to reduce your premium!

What’s a Deductible?

Act Now !

Act Now !

Act Now !

Hang Seng Bupa PreciousHealth Series Health Insurance Schemes

Voluntary Health Insurance Scheme

Voluntary Health Insurance Scheme

Voluntary Health Insurance Scheme

Hang Seng
Bupa PreciousHealth Series
Health Insurance Schemes