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 with no claim hassles2
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Enjoy the convenience of cashless treatment with no claim hassles2 by using your Bupa medical card
03
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


04
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

Ways to reduce your premium!

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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 .

Act Now !

Act Now !

View Plan Details
hangseng.com/medicalplan
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

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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

Voluntary Health Insurance Scheme Series

Voluntary Health Insurance Scheme Series

Voluntary Health Insurance Scheme Series