Quality medical insurance for you and your employees
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.
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.
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 needs
The optional Clinical Benefit offers full cover of all expenses for out-patient consultationsSubject to the co-payment, if applicable. such as doctor visits, tests and scans within Bupa’s networkSubject to eligible expenses and the annual limit. Members need to follow the required procedures to enjoy full refund or cashless treatment. Please refer to the Contract and Schedule of Benefits for more details. .
With the Bupa medical card, members can enjoy cashless out-patient treatment at doctors and medical service provider within Bupa’s network in Hong Kong and MacauSubject to eligible expenses and the annual limit. Members need to follow the required procedures to enjoy full refund or cashless treatment. Please refer to the Contract and Schedule of Benefits for more details., 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 will have access to lifelong protection with the option to transfer to Bupa’s designated individual health insurance scheme when they retire or have a change in employmentMembers who have been covered under this scheme for a minimum of six months are entitled to this transfer option subject to the required process and terms determined by Bupa.
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.
For more information, please read the product brochure for detailed coverage and limits of this 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.
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 clinicsWhether member can use the medical cards at a particular hospital, clinic or diagnostic centre depends on the terms of each group scheme. Members need to follow the required procedures to enjoy full refund or cashless treatment. Please refer to the contract documents and Schedule of Benefits for more details.
Expenses for out-patient medical treatment received in the Bupa clinical networkWhether member can use the medical cards at a particular hospital, clinic or diagnostic centre depends on the terms of each group scheme. Members need to follow the required procedures to enjoy full refund or cashless treatment. Please refer to the contract documents and Schedule of Benefits for more details. 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 optionMembers who have been covered under the scheme for a minimum of six months are entitled to this transfer option subject to the required process and terms determined by Bupa.
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.
For enquiries, please call Hang Seng Bank 24-hour Business Partner Direct on 2198 8000 or contact your Hang Seng Bank Relationship Manager.
Find details on how to submit your claim and more
You can find all the forms and documents here for our insurance products.
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 authorised 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 this scheme. Subscription will be payable to Bupa upon enrolment of this scheme. Bupa will provide Hang Seng Bank the relevant commission and performance bonus in accordance with the selling of this scheme. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of staff performance but not solely the sales amount. In respect of an eligible dispute 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 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.