Hang Seng Bupa PreciousHealth Series Health Insurance Schemes

The Hang Seng Bupa PreciousHealth Series Health Insurance Schemes are underwritten by Bupa (Asia) Limited.

Hang Seng Bupa PreciousHealth Series Health Insurance Schemes

Hang Seng Bank Limited (‘Hang Seng Bank’) understands that managing your health is as important as managing your wealth. Therefore, Hang Seng Bank and Bupa (Asia) Limited (‘Bupa’), the health insurance specialist in Hong Kong, have jointly developed the Hang Seng Bupa PreciousHealth Series. All health insurance schemes are underwritten by Bupa, providing quality health protection for you and your family.

To cater for a variety of healthcare needs, the Hang Seng Bupa PreciousHealth Series comprises five different health insurance schemes with different levels of coverage, maximum limits and subscription discounts.

Essential Health Insurance Scheme

Basic cover at great value

Essential Health Insurance Scheme (‘this scheme’), underwritten by Bupa (Asia) Limited (‘Bupa’), provides you with full cover for hospital and surgical expensespoint6 and cashless in-patient treatment at Bupa appointed hospitalspoint_1with affordable medical insurance subscription, so you don’t need to worry about huge medical bills and can focus on getting better.

Medical insurance key features

Up to HKD240,000 full coverpointT1_1 a year for medical expenses at ward level of a Bupa appointed hospital point1.

With your Bupa medical cardpoint7_2, you can enjoy cashless treatment at the eight Bupa appointed private hospitals in Hong Kong without paying admission deposit or billspoint7_1. And you don’t have to submit any medical insurance claimspoint7.

The period of cover for this scheme is 1 year. Bupa guarantees that your medical coverage 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 startspoint08.

This medical insurance 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.

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 periodpoint08_1 .

Each child will receive 25% discount when enrolling in this scheme if one parent is already enrolled, or 50% discount if both parents are already enrolledpoint08_2.

There is no waiting period and you can make a claim anytime after your policy takes effect.

Bupa provides a 24-hour 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.

Simply answer a few health-related questions and obtain an immediate underwriting result of the medical insurance. No medical examinations are required.

Medical insurance coverage

  • Basic medical coverage: Hospital and Surgical Benefit
  • Free benefit: Free Bupa Worldwide Assistance Programmepoint09_1
  • Optional benefitspoint_common_1: Clinical Benefit, Dental Benefit

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

Medical insurance eligibility

  • 15 days to 65 years

Excel Health Insurance Scheme

Coverage up to HKD4 million per year for your healthcare needs

Excel Health Insurance Scheme (‘this scheme’), underwritten by Bupa (Asia) Limited (‘Bupa’), offers full cover of up to HKD4 million every year for individuals and an additional amount of up to HKD2 million shared cover for a family point2. In addition, you can access to Bupa’s HealthPro Concierge Service, which is first of its kind in Hong Kong, offering you professional healthcare support and assistance at all times.

Medical insurance key features

Full cover for hospital expensespoint10_1 at semi-private room level with no individual item limit up to HKD4 million every yearpoint10_2. If you choose to have your treatment performed by a Bupa appointed specialist, your surgeon fees and in-patient specialist fees will also be fully covered.

This scheme provides an additional family benefit of up to HKD2 million which you can share with your family members enrolled on the same medical insurance contractpoint8.

The first of its kind in Hong Kong, this service gives you access to a range of personal healthcare support delivered by a team of doctors, qualified nurses and health management professionals including a 24-hour Healthline, Healthcare Centre Choices, Second Medical Opinion, Chronic Conditions Programme as well as a personal Care Manager who will follow throughout your hospital stay in a local private hospital to help you with understand your treatment plan and obtain cost estimates, as well as facilitate admission, follow-up treatments after discharge and claimspoint11.

You will enjoy 10% and 15% family discounts on the Hospital and Surgical Benefit for joint enrolment of two and three or more family members respectively.

With your Bupa medical cardpointT2_1, you may enjoy cashless treatment at designated private hospitals in Hong Kongpoint3 and Bupa appointed clinics (if Clinical Benefit is opted for) in Hong Kong, as well as Bupa’s network hospitals around the world. You won’t need to make payments or medical insurance claimspoint13.

This medical insurance scheme offers three deductible options for the Hospital and Surgical Benefit, giving you flexibility to decide the amount you will contribute to your in-patient medical expenses each year before receiving reimbursement from Bupa so you can lower your subscription.

You can choose to cover certain pre-existing conditions that have occurred before your enrolment, usually common illnesses, with additional individual subscription. This amount is determined at the point of your enrolment as a fixed percentage of your total subscription that does not increase subsequently even with changes in your health conditionpoint14.

The period of cover for this scheme is 1 year. Bupa guarantees that  your medical coverage 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 startspoint15.

No medical examinations are required to apply for this medical insurance scheme. If you wish to include pre-existing conditions in your cover, you simply need to provide relevant details to Bupa over the phone for assessment.

Medical insurance coverage

  • Basic medical coverage: Hospital and Surgical Benefit at Semi-private room level
  • Extra services: HealthPro Concierge Service
  • Free benefit: Free Bupa Worldwide Assistance Programmepoint16
  • Optional benefitspoint_common_1: Clinical Benefit, Maternity Benefit, Dental Benefit

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

Medical insurance eligibility

  • Subscriber: 18 to 75 years
  • Subscriber’s children or grandchildren: 15 days and above
  • Subscriber’s spouse, subscriber or subscriber's spouse's parents, siblings or grandparents: 16 to 75 years

Excel Plus Health Insurance Scheme

High quality medical coverage up to HKD12 million per year

Excel Plus Health Insurance Scheme (‘this scheme’), underwritten by Bupa (Asia) Limited (‘Bupa’), provides up to HKD12 million in annual benefit to cover any hospital stay in a semi-private room: from the cost of diagnosis to the stages of recovery. In addition, you can access Bupa’s HealthPro Concierge Service, which is the first of its kind in Hong Kong, offering you professional healthcare support and assistance at all times.

Medical insurance key features

Full cover for hospital expensespoint17at semi-private room level up to HKD12 million every year if you are admitted to a hospital in Hong Kong, Macau, Mainland China and Taiwan. A private room is covered for hospital stays everywhere else in the world (except United States and Canada). If you choose to have your treatment performed by a Bupa appointed specialist, your surgeon fees and in-patient specialist fees will also be fully covered.

The annual limit also covers cancer treatment costs from diagnosis, treatment, necessary reconstruction surgeries, to consultations for recovery.

This scheme provides five types of post-hospitalisation out-patient benefits, including psychological counseling, dietetic consultation, occupational therapy, speech therapy and Chinese herbalist consultation and acupuncture.

The first of its kind in Hong Kong, this service gives you access to a range of personal healthcare support delivered by a team of doctors, qualified nurses and health management professionals including a 24-hour Healthline, Healthcare Centre Choices, Second Medical Opinion, Chronic Conditions Programme as well as a personal Care Manager who will follow throughout your stay in a local private hospital to help you understand your treatment plan and obtain cost estimates, as well as facilitate admission, follow-up treatments after discharge and claimspoint18.

You will enjoy 10% and 15% family discounts on the Hospital and Surgical Benefit for joint enrolment of two and three or more family members, respectivelypoint19.

With your Bupa medical cardpointT3_1, you may enjoy cashless treatment at designated private hospitals in Hong Kongpoint9 and Bupa appointed clinics (if Clinical Benefit is opted for) in Hong Kong, as well as Bupa’s network hospitals around the worldpoint4. You won’t need to make payments or medical insurance claimspoint20.

This medical insurance scheme offers three deductible options for the Hospital and Surgical Benefit. If you have existing medical cover, such as group cover provided by your employer, you can offset the deductible to enjoy lower subscription.

You can choose to cover certain pre-existing conditions that have occurred before your enrolment, usually common illnesses, with additional individual subscription. This amount is determined at the point of your enrolment as a fixed percentage of your total subscription that does not increase subsequently even with changes in your health conditionpoint22.

The period of cover for this scheme is 1 year. Bupa guarantees that your medical coverage can be renewed for life. Your subscription will only be based on your age, it will not be affected by how much you claim on conditions arising after your membership startspoint21.

No medical examinations are required to apply for this medical insurance scheme. If you wish to include pre-existing conditions in your cover, you simply need to provide relevant details to Bupa over the phone for assessment.

Medical insurance coverage

  • Basic medical cover: Hospital and Surgical Benefit (Hong Kong / Macau / Mainland China / Taiwan: semi-private room level; other covered area: standard private room level)
  • Extra services: HealthPro Concierge Service
  • Free benefit: Free Bupa Worldwide Assistance Programmepoint23
  • Optional benefitspoint_common_1: Clinical Benefit, Maternity Benefit, Dental Benefit

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

Medical insurance eligibility

  • Subscriber: 18 to 75 years
  • Subscriber’s children or grandchildren: 15 days and above
  • Subscriber’s spouse, subscriber or subscriber’s spouse’s parents, siblings or grandparents: 16 to 75 years

Global Supreme Health Insurance Scheme

Supreme global healthcare solution up to HKD30 million per year

Global Supreme Health Insurance Scheme (‘this scheme’), underwritten by Bupa (Asia) Limited (‘Bupa’), gives you superior protection of HKD30,000,000 worldwide cover a year, so you will be assured of the best treatment and care whenever you need it. In addition, you can access the HealthPro Concierge Service, which is first of its kind in Hong Kong, offering you professional healthcare support and assistance at all times.

Medical insurance key features

Full cover for hospital expenses at private room level with no individual item limit up to HKD30,000,000 every yearpoint24. Your benefits are the same even if you are travelling or staying overseas.

This medical insurance scheme provides five types of post-hospitalisation out-patient benefits, including psychological counseling, dietetic consultation, occupational therapy, speech therapy and Chinese herbalist consultation and acupuncture.

Most medical insurance will increase your premium as you get older, making it more expensive for you to keep your medical insurance as you age. This medical insurance scheme offers a flat subscription rate for customers above the age of 60point25. So this makes it easier for you to plan your finances after retirement.

The first of its kind in Hong Kong, this service gives you access to a range of personal healthcare support delivered by a team of doctors, qualified nurses and health management professionals including a 24-hour Healthline, Healthcare Centre Choices and Appointment Making, Second Medical Opinion, Chronic Conditions Programme, Non-emergency Global Healthcare Support, Mainland China Residents Service, as well as a personal Care Manager who will follow throughout your stay in a local private hospital to offer help with hospital admission and claims, support treatment and recovery, as well as managing your medical expensespoint26.

Besides offering coverage for your physical health, we also care about your mental health. This service is provided by Bupa’s selected service providers and their team of qualified and experienced counsellors and clinical psychologists. Through the hotline, counsellors offer free emotional support and personalised advice. They can also arrange face-to-face counselling services with a clinical psychologist if needed. Rest assured that all information provided will be kept in strict confidence.
 

The 24-hour Mental Health Service Hotline is applicable to members aged 18 or above.

Members aged below 18 must be accompanied by the subscriber or guardian to use this service. Terms and conditions apply. Please refer to the contract for details.

Starting from your second year of membership, you can select your choice of medical check-up(s) at any medical centre and then submit multiple medical check-up claims to Bupa up to a total of HK$4,000 per year. Alternatively you can receive a free comprehensive health assessment at designated health screening centres every year (only applicable to members aged 18 or above; assessment items may includes screening for lipids, liver function, renal function, coronary risk, tumour markers, etc.).

With your Bupa medical cardpointT4_1, you may enjoy cashless treatment at designated private hospitalspoint10 in Hong Kong point5 and Bupa appointed clinics (if Clinical Benefit is opted for) in Hong Kong, as well as the Bupa network hospitals around the world. You won’t need to make any payments or claimspoint27.

This medical insurance scheme offers four deductible options on Hospital and Surgical Benefit, giving you flexibility to decide the amount you will contribute to your in-patient medical expenses each year before receiving reimbursement from Bupa so you can lower the subscription.

You can choose to cover certain pre-existing conditions that have occurred before your enrolment, usually common illnesses, with additional individual subscription. This amount is determined at the point of your enrolment as a fixed percentage of your total subscription that does not increase subsequently even with changes in your health conditionpoint28.

The period of cover for this scheme is 1 year. Bupa guarantees that your medical coverage 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 startspoint37.

You will enjoy 10% and 15% family discounts on the Hospital and Surgical Benefit for joint enrolment of two and three or more family members respectively.

No medical examinations are required to apply for this medical insurance scheme. If you wish to include pre-existing conditions in your cover, you simply need to provide relevant details to Bupa over the phone for assessment.

Medical insurance coverage

  • Basic medical coverage: Hospital and Surgical Benefit at standard private room level
  • Extra services: HealthPro Concierge Service
  • Free benefit: Free Bupa Worldwide Assistance Programmepoint29, Free Medical Check-up
  • Optional benefitspoint_common_1: Clinical Benefit, Dental and Optical Benefit (Must be enrolled with Clinical Benefit)

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

Medical insurance eligibility

  • Subscriber: 18 to 80 years
  • Subscriber’s children or grandchildren: From birth
  • Subscriber’s spouse, subscriber or subscriber’s spouse’s parents, siblings or grandparents: 16 to 80 years

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Special offer Only add HKD per month to upgrade to Excel Plus Health Insurance Scheme to enjoy HKD 12,000,000 annual cover and cover for five types of therapies after discharge. Arrange a call-back

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Footnote

Other points to note

The above schemes are underwritten by Bupa (Asia) Limited ("Bupa") which is authorized 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 the above schemes. Subscription will be payable to Bupa upon enrolment in the above schemes. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of the above schemes. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely the sales amount. HealthPro Concierge Service is provided by Bupa. 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 contract terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.

The above information is a product summary for reference only. Please refer to the contract for the detailed coverage, exclusions, terms and conditions. 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 quotation is an indicative quotation based on the room type and age inputted which is for reference only. The final subscription amount will be based on the applicable premium rate for the attained age of the Member as of the Contract Effective Date and the underwriting result. Please note that the prescribed levy on insurance premium to Insurance Authority starting from 1 January 2018 is not included. For details, please click here

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