Hang Seng Bupa PreciousHealth Series Health Insurance Schemes

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

Plan overview

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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 three different health insurance schemes with different levels of coverage, maximum limits and subscription discounts.

Plans and quote

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 service 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 service at 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 service at designated private hospitals in Hong Kongpoint3 and Bupa appointed clinics (if Clinical Benefit is opted for) in Hong Kong, as well as 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_1.1: 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 service at designated private hospitals in Hong Kongpoint9 and Bupa appointed clinics (if Clinical Benefit is opted for) in Hong Kong, as well as 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_1.1: 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

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Footnote

Other points to note

Disclosure of information: 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 in 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. HealthPro Concierge Service is provided by Bupa. 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.

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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