Hang Seng Bupa PreciousHealth Series Health Insurance Schemes

Choose from a variety of coverage and benefit limits with guaranteed lifelong protection

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

New customers who enrolled in designated health insurance scheme can enjoy special offers.

Terms and Conditions apply. The relevant health insurance schemes is 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 hospitals 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.with 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 cover a year for medical expenses at ward level of a Bupa appointed hospital point1.

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 billsBupa 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.. 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 startsBupa guarantees that your cover can be renewed every year 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..

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 periodA 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..

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 enrolledIf 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..

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 ProgrammeThese 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.
  • Optional benefits: 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 expensesSubject to eligible expenses and the annual limit. You need to follow the required procedures to enjoy full cover or cashless treatment. Please refer to the Schedule of Benefits and Notes 12 - 13, 15 - 16 and 18, as well as the Contract for more details.at semi-private room level with no individual item limit up to HKD4 million every yearThe annual maximum cover for members aged 65 or above and for treatment received in the US is different. Please refer to the Schedule of Benefits for details.. 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, Doctor Referral, 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 hospital admission and claimsA team of qualified nurses and health management professionals , supported by doctors, are ready to answer your call 24 hours a day. Doctors will be available during scheduled office hours to support the nurses for answering the enquiries. Office hours: Mon–Fri, from 9am to 6pm (Hong Kong time), except public holidays. Any fees of the services suggested by HealthPro Concierge Service will be paid by the member unless otherwise covered by benefits under the contract..

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 card, 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 claimsBupa will directly pay your eligible medical expenses to the hospital subject to a Credit Limit, you may need to reimburse Bupa for the shortfall and selected deductible, if any. Please refer to the Contract and Note 13 in the Schedule of Benefits for the details about Credit Limit..

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 conditionThe total subscription excludes the subscription for Maternity Benefit and/or Dental Benefit (if applicable) and the amount of total subscription will be adjusted on a yearly basis..

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 startsBupa guarantees that your cover can be renewed every year 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..

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 ProgrammeThese 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.
  • Optional benefits: 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 expensesSubject 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 Notes 10, 14 - 16, as well as the Contract for more details. at 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, Doctor Referral, 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 with hospital admission and claimsA team of qualified nurses and health management professionals, supported by doctors, are ready to answer your call 24 hours a day. Doctors will be available during scheduled office hours to support the nurses for answering the enquiries. Office hours: Mon–Fri, from 9am to 6pm (Hong Kong time), except public holidays. Any fees for the services suggested by HealthPro Concierge Service will be paid by the member unless otherwise covered by benefits under the contract..

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, respectivelyPlease refer to the Eligibility section for the definition..

With your Bupa medical card, 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 claimsBupa will directly pay your eligible medical expenses to the hospital subject to a Credit Limit. You may need to reimburse Bupa for the shortfall and selected deductible, if any. Please refer to the Contract and Note 11 in the Schedule of Benefits for details about the Credit Limit..

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 conditionThe total subscription excludes the subscription for Maternity Benefit and/or Dental Benefit (if applicable) and the amount of total subscription will be adjusted on a yearly basis..

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 startsBupa guarantees that your cover can be renewed every year 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 the contract for further details..

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 ProgrammeThese 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.
  • Optional benefits: 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 yearSubject 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 the Notes 11 and 14, as well as the Contract for more details.. 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 60For members above the age of 60, the subscription rate will not be increased as you age and will only be adjusted on a yearly basis in reference to medical inflation and overall rate of claim.. 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, Doctor Referral 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 expensesA team of qualified nurses and health management professionals, supported by doctors, are ready to answer your call 24 hours a day. Doctors will be available during scheduled office hours to support the nurses for answering the enquiries. Office hours: Mon–Fri, from 9am to 6pm (Hong Kong time), except public holidays. Any fees of the services suggested by the HealthPro Concierge Service will be paid by the member unless otherwise covered by benefits under the contract..

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 card, 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 claimsBupa will directly pay your eligible medical expenses to the hospital subject to a Credit Limit.You may need to reimburse Bupa for the shortfall and selected deductible, if any. Please refer to Note 12 in the Schedule of Benefits and Contract for more details..

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 conditionThe total subscription excludes the subscription for Dental and Optical Benefit (if applicable) and the amount of total subscription will be adjusted on a yearly basis..

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 startsBupa guarantees that your cover can be renewed every year 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..

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 ProgrammeThese 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., Free Medical Check-up
  • Optional benefits: 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

Global Infinite Health Insurance Scheme

Worldwide medical insurance with unlimited coverage for prestige customers

Global Infinite Health Insurance Scheme (‘Global Infinite’), underwritten by Bupa (Asia) Limited, (‘Bupa’), provides unlimited in-patient and out-patient worldwide coverSubject to the “Exceptions to cover” of this scheme and any Special terms as detailed in the policy schedule. You need to follow the required procedures to enjoy 100% cover or cashless treatment Annual maximum limits apply to dental and optical benefits, as well as medical check-ups. Please refer to the List of Reimbursement and Policy Conditions for more details. without maximum limit. In addition, you can access Bupa’s HealthPro Concierge Service, which is first of its kind in Hong Kong, offering professional healthcare support and assistance at all times.

Global Infinite is an insurance plan suitable for someone requiring exceptional international health cover and guidance on health and wellbeing.

Medical insurance key features

You will receive 100% cover for hospitalisation and out-patient treatment without any limitSubject to the “Exceptions to cover” of this scheme and any Special terms as detailed in the policy schedule. You need to follow the required procedures to enjoy 100% cover or cashless treatment Annual maximum limits apply to dental and optical benefits, as well as medical check-ups. Please refer to the List of Reimbursement and Policy Conditions for more details..

Global Infinite takes care of every aspect of your healthcare. In addition to hospitalisation and out-patient treatment, the plan also covers child birthCover for pregnancy and childbirth only begins when the insurance has been in effect for 10 months., dental and optical services, as well as medical check-upsSubject to the “Exceptions to cover” of this scheme and any Special terms as detailed in the policy schedule. You need to follow the required procedures to enjoy 100% cover or cashless treatment Annual maximum limits apply to dental and optical benefits, as well as medical check-ups. Please refer to the List of Reimbursement and Policy Conditions for more details..

You have an Infinite Service Team, whom you will know by name. The team will take care of the details in connection with planned or non-emergency admissions.

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 professional doctors, qualified nurses and health management professionals including a 24-hour Healthline, Doctor Referral, 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 you help with hospital admission and claims, support treatment and recovery, as well as managing your medical expensesA team of qualified nurses and health management professionals, supported by doctors, are ready to answer your call 24 hours a day. Doctors will be available during scheduled office hours to support the nurses for answering the enquiries. Office hours: Mon–Fri, from 9am to 6pm (Hong Kong time), except public holidays. Any fees for the services suggested by HealthPro Concierge Service will be paid by the member unless otherwise covered by benefits under the contract..

The period of cover for this scheme is 1 year. Once accepted, Bupa guarantees that your medical coverage can be renewed for life. Your premium will be based on your age only no matter how much you claim on conditions arising after your membership startsBupa guarantees that your cover can be renewed every year for life as long as you meet the requirements as stated in the Renewal Clause of your policy conditions. Bupa reserves the right to amend the subscription, benefits, terms and conditions upon your contract renewal. Please refer to policy conditions for further details..

You are free to receive treatment anywhere in the worldBupa will not provide cover nor pay claims under this policy if Bupa are prohibited, in Bupa’s reasonable view, from fulfilling such obligations under this policy by the laws of any relevant jurisdiction, including the United Kingdom, European Union, the United States of America, or international law. — in the country you live in, or any other country you visit while travelling abroad on business, holiday or as part of your education. In the event of medical emergency, Global Infinite will cover medical evacuation if there is no appropriate place of treatment locally.

Newborn babies are covered automatically from birth, irrespective of their state of health, provided their parent’s Global Infinite Policy has been in force for 10 months. Two children under 10 years of age per paying parent are covered at no extra cost, you don’t have to worry about choosing medical insurance schemes for your kids.

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

  • Major Medical Expenses: Hospitalisation; clinical operations; child birth; hospice treatment, rehabilitation, nursing; medical and non-medical evacuation; special travel benefits abroad
  • Non-hospitalisation Benefits: Doctors, specialists and therapists; medical check-up and vaccinations; medical examinations such as Lab tests, x-rays, scans, endoscopies; medicine and prescribed medical appliances such as hearing aids. Please refer to the List of reimbursements for the list of medical appliances covered.
  • Dental and Optical BenefitSubject to the “Exceptions to cover” of this scheme and any Special terms as detailed in the policy schedule. You need to follow the required procedures to enjoy 100% cover or cashless treatment Annual maximum limits apply to dental and optical benefits, as well as medical check-ups. Please refer to the List of Reimbursement and Policy Conditions for more details.: Dental treatment; glasses, contact lenses, eye check

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

Medical insurance eligibility

  • From birth to 80 years

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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 . Please logon Hang Seng e-banking for a more detailed quotation.The above quotation is provided by Bupa.

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