Corporate Medical Insurance Plans

The Corporate Medical Insurance Plans are underwritten by Bupa (Asia) Limited.

Corporate Medical Insurance Plans

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As your trusted banking partner, Hang Seng Bank Limited (‘Hang Seng Bank’) is committed to helping your company achieve success with a full range of solutions for your business needs. Hang Seng Bank and Bupa (Asia) Limited (‘Bupa’), the health insurance specialist in Hong Kong, jointly provide quality and affordable group medical insurance cover. All group schemes are underwritten by Bupa, providing quality health protection for you and your employees.

Flexi HealthNet Group Health Insurance Scheme

Quality health protection for your employees at great value

Flexi HealthNet Group Health Insurance Scheme (‘this scheme’), underwritten by Bupa (Asia) Limited (‘Bupa’),  provides quality yet affordable cover to protect your employees’ health and give them peace of mind. The scheme is designed for companies with five or more employees.

Key features

This scheme provides five different plans to cover your hospital expenses. In addition to the basic Hospital and Surgical Benefit, you may also opt for the Clinical Benefit, Supplementary Major Medical Benefit and Dental Benefit to suit your healthcare needspoint1.This scheme also provides a second claims incentive and out-patient surgery cash allowance to help you manage costs while looking after your employees' health.

The optional Clinical Benefit offers full cover of all expenses for out-patient consultationspoint2 such as doctor visits, tests and scans within Bupa’s networkpoint3. It also provides video consultation services. Members can consult Bupa's selected doctors through a video call comfortably and safely at home.

With the Bupa medical card, members can enjoy cashless out-patient service at doctors and medical service provider within Bupa’s network in Hong Kong and Macaupoint4, without having to pay any bills or submit any claims.

This scheme offers flat rate for the employees and their dependants under the same plan regardless of age.

Employees and their dependants can enrol in Bupa’s designated scheme at different life stages (e.g., upon renewal of their group scheme, before or after changing jobs, before retirement) to boost their cover. Bupa guarantees that their application will be accepted without underwriting regardless of their health conditions. Moreover, medical conditions protected by their group membership will be covered for lifepoint5.

Bupa's dedicated Customer Care Advisors are available 24 hours every day to answer your queries. Online services and a free mobile app called myBupa are available for you to search Bupa’s network doctors.

No medical examinations, individual underwriting or health declarations are required for application.


  • Basic cover: Hospital and Surgical Benefit
  • Free benefit: Free Hospital Cash Benefit, Free Bupa Worldwide Assistancepoint6
  • Optional benefits: Supplementary Major Medical Benefit, Clinical Benefit, Dental Benefit


For more information, please read the product brochure for detailed coverage and limits of this scheme.


For enquiries, please call Hang Seng Bank 24-hour Business Partner Direct on 2198 8000 or contact your Hang Seng Bank Relationship Manager.

Tailor-made Group Health Insurance Scheme

Customise a group health insurance scheme for your company

The tailor-made group health insurance scheme (‘the scheme’) underwritten by Bupa (Asia) Limited (‘Bupa’) give you great flexibility to customise the scheme for your company. Bupa can set up tailor-made group health insurance schemes for companies with 10 or more employees.

Key features

Benefits designed for your business needs and budget

Access around 2,200 doctors and medical service providers in the Bupa medical network in Hong Kong and Macau

No need to submit any claims when you use the Bupa medical card in Bupa network hospitals and clinicspoint7.

Expenses for out-patient medical treatment received in the Bupa clinical networkpoint8 are fully covered

Apply now, with no need to declare health conditions or undergo medical examinations

Access to lifelong health cover for employees who choose the membership transfer optionpoint9.

Round-the-clock online services for employees and employers to track claims status, search for a Bupa network doctor and manage member movement

The above features are a brief overview only, whether the feature is available for the member depends on the terms of each group scheme. Please refer to the contract documents for detailed coverage and limits of the schemes.


  • Basic Hospital and Surgical Benefit
  • Optional Clinical Benefit
  • Optional Supplementary Major Medical Benefit
  • Optional Dental Benefit
  • Optional Maternity Benefit
  • Optional Bupa Worldwide Assistance Programmepoint10


For enquiries, please call Hang Seng Bank 24-hour Business Partner Direct on 2198 8000 or contact your Hang Seng Bank Relationship Manager.

Make a claim

Claims procedure

Find details on how to submit your claim and more 

Download form

You can find all the forms and documents here for our insurance products.

Useful Information

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Other points to note

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.  The above schemes are underwritten by Bupa (Asia) Limited ("Bupa") which is authorised and regulated by the Insurance Authority in Hong Kong SAR. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Bupa for the distribution of the above schemes. The above schemes are product of Bupa and not Hang Seng Bank. Subscriptions will be payable to Bupa upon enrolment of the above schemes. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus as remuneration for distribution of the above 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 the sales amount. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) 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 policy terms or performance (underwriting, claims and service) of the product should be resolved directly between Bupa and the customer.