Key Features
01
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
02
Cashless treatment and no claim hassle2
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Enjoy the convenience of cashless treatment with no claim hassle2 by using your Bupa medical card
03
Cover 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
04
HealthPro Concierge Service
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A personal Care Manager will follow up with you throughout your hospital stay in a local private hospital

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 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#
HKD27,312.2
HKD17,265.2
HKD14,517.2
Percentage of Premium# Saving N/A 36.7%
(HKD10,047 in premium)
46.9%
(HKD12,795 in premium)
# The above premium rate is valid until the contract effective on 1 September 2019.
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 !

Act Now !

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 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
  • Visit our branches
  • Apply online
  • Call 2998 9886
  • Visit our branches
  • Call 2998 9886
  • Visit our branches

Visit our branches

Visit our branches

Visit our branches

Visit our branches

Key Highlights
Medical Cover1 up to HKD230,000
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

Voluntary Health Insurance Scheme

Voluntary Health Insurance Scheme