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Insurance & MPF > Medical Insurance > Individual Medical Insurance Plans

Medical Insurance - For Individuals

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(For Personal e-banking users)
Hang Seng Bupa PreciousHealth Series -
Essential Health Insurance Scheme
Affordable and quality health cover
Essential Health Insurance Scheme (‘this scheme’), underwritten by Bupa (Asia) Limited (‘Bupa’), provides you with full cover for hospital and surgical expenses1 and cashless in-patient treatment at Bupa’s appointed hospital2 , so you wouldn’t need to worry about huge medical bills and can focus on getting better.
Key features
Full cover for hospital and surgical expenses
  • Up to HKD235,000 full cover a year for medical expenses at ward level of a Bupa’s appointed hospital 1, 3.
No hassle of payment or claims by using medical card
  • With your Bupa medical card, you can enjoy cashless treatment at the eight Bupa appointed private hospitals in Hong Kong without paying admission deposit or bills2. And you don’t have to submit any claims1.
Guaranteed lifetime renewal
  • Bupa guarantees that your cover can be renewed for life. Your subscription will be based on your age only no matter how much you claim on conditions arising after your membership starts 4.
Out-patient surgery in hospitals and clinics included
  • This scheme covers you for surgeries performed in a clinic or day-case unit of a hospital under the Hospital and Surgical Benefit with no minimum length of stay.
No claims renewal discount
  • Enjoy up to 15% renewal discount on the subscription of your Hospital and Surgical Benefit if you do not make any claims within a specified period 5.
Up to 50% discount for family enrolment
  • Each child will receive 25% discount when enrolling this scheme if one parent is already enrolled, or 50% discount if both parents are already enrolled 6.
No waiting period
  • There is no waiting period and you can make a claim anytime after your policy takes effect.
Round-the-clock customer services
  • Bupa provides 24 hours hotline to answer your queries. You can also use online services and a free mobile app called myBupa to search for Bupa’s network doctors.
Easy enrolment and immediate approval
  • Simply answer a few health-related questions and obtain an immediate underwriting result. No medical examinations are required.
Issue age
  • 15 days to 65 years

Please refer to the contract documents for detailed coverage and limits of this scheme.

  • Basic cover: Hospital and Surgical Benefit
  • Free benefit: Free Bupa Worldwide Assistance Programme 7
  • Optional benefits: Clinical Benefit, Dental Benefit
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  • For existing Hang Seng Personal e-Banking users, logon to Quote Now
  • For other customers, please call 2998 9886 to apply
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  • (1) Subject to eligible expenses and the annual limit. You need to follow the required procedures to enjoy full cover. Please refer to the Schedule of Benefits and all the notes, as well as the Contract for more details. The current list of Bupa's appointed hospitals includes Canossa Hospital, Gleneagles Hong Kong Hospital, HK Adventist Hospital - Stubbs Road, HK Baptist Hospital, HK Sanatorium & Hospital, St Paul's Hospital, St Teresa's Hospital and Union Hospital. The list is subject to change from time to time.
  • (2) Bupa will directly pay your eligible medical expenses to the hospital according to a Credit Limit stated in Bupa’s approval document. Please refer to the Note 8 in the Schedule of Benefits for more details.
  • (3) 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
  • (4) Bupa guarantees that your cover can be renewed for life as long as you meet the requirements as stated in the Renewal Clause of your contract. Bupa reserves the right to amend the subscription, benefits, terms and conditions upon your contract renewal.  Please refer to contract for further details. 
  • (5) A no claim renewal discount will be applied to the next renewal subscription of Hospital and Surgical Benefit if you do not make any claims under Hospital and Surgical Benefit during the specified period. You will receive a 5% discount if you do not claim for two or three consecutive years, 10% discount for four or five consecutive years and 15% discount for six or more consecutive years. Any discount will apply only to future renewal subscriptions and not any subscriptions already paid.
  • (6) If you enrol in this scheme together with your children, every child below the age of 18 will enjoy a discount on the subscription of the Hospital and Surgical Benefit for as long as your membership continues. Each child will receive 25% discount when enrolling with one parent, or 50% discount when enrolling with both parents. This subscription discount also applies to grandchildren under 18 who enrol together with their grandparents.
  • (7) These services are provided by Inter Partner Assistance (Hong Kong) Limited (the “IPA”), a third party service provider, which is an independent contractor and is not an agent of Bupa or Hang Seng Bank. Bupa and Hang Seng Bank shall not be liable to the Subscriber or the Member in any respect of any loss, damage, expense, suit, action or proceeding suffered or incurred by the Member, whether directly or indirectly, arising from or in connection with the services provided or advice given by IPA or its agent, or the availability of such services.
Disclosure of Information

The above information is a product summary for reference only. Please refer to the contract for the detailed coverage, exact Terms and Conditions and exclusions of the relevant Health Insurance Schemes. In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail.  This scheme is underwritten by Bupa which is authorized and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorized by Bupa for the exclusive distribution of this scheme. Subscription will be payable to Bupa upon enrolment of this scheme. Bupa would provide Hang Seng Bank the relevant commission and performance bonus in accordance to the selling of this scheme. 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.