You can enrol in Bupa VTop's Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit without underwriting regardless of your health conditions
You can enrol in Bupa VTop when you start a new job, upon renewal of your group scheme, before or after changing jobs, before retirement, or even when you get married/have children for greater flexibility
Cover starts immediately after your policy takes effect , and there's no gap between the end of your group membership and the inception of this scheme
Your premium will be based on your age only, no matter how many claims you've made
We’ll pay your expenses under your Bupa group scheme first, and then reimburse the remaining eligible expenses under Bupa VTop to fully cover your medical expenses (if applicable) without paying anything out-of-pocket.
Even after you’re retired without any group coverage, this scheme can pay up to the maximum benefit limit for each operation, or reimburse 80% of your eligible medical expenses
as long as you've been continuously insured under a Bupa group scheme and/or Bupa VTop for a total of at least 12 consecutive months
Provides Cancer Treatment and Kidney Dialysis Benefit and Psychiatric Treatment Benefit
Benefit level
PrivateOverall annual limit
No limit before age 65, payable up to the maximumlimit of each benefit item for each operationSubscriptions as low as
HK$761/monthBenefit level
PrivateOverall annual limit
HK$600,000 / 80%Annual deductible
HK$100,000Subscriptions as low as
HK$411/monthBenefit level
Semi-privateOverall annual limit
No limit before age 65, payable up to the maximum limit of each benefit item for each operationSubscriptions as low as
HK$391/monthBenefit level
Semi-privateOverall annual limit / Reimbursement percentage
HK$300,000 / 80%Annual deductible
HK$80,000Subscriptions as low as
HK$121/monthBenefit level
WardOverall annual limit
No limit before age 65, payable up to the maximumlimit of each benefit item for each operationSubscriptions as low as
HK$235/monthBenefit level
WardOverall annual limit / Reimbursement percentage
HK$150,000 / 80%Annual deductible
HK$30,000Subscriptions as low as
HK$97/month
The Supplementary Major Medical Benefit can top up your hospital cover by paying 80% of your medical expenses in excess of the amount covered by the Itemised Hospital and Surgical Benefit, which helps to reduce your potential out-of-pocket expenses.
Our Clinical Benefit is specially designed to include coverage for psychiatric-related treatments and psychological counselling, such as outpatient treatments for psychiatric, psychological, mental or behavioural conditions, senile dementia (including Alzheimer’s disease) and Parkinson’s disease. Other items such as general practitioners, specialists, diagnostic imaging and laboratory tests are also covered . You can also enjoy cashless service and full cover at network clinics with a Bupa medical card. What’s more, you can enjoy video consultation services to consult our selected doctors through a video call comfortably and safely at home. Visit www.bupa.com.hk/vc for details. Terms and conditions apply.
Offer 24/7 Healthline, second medical opinion and Care Manager to follow up on claims and assist members throughout treatment and recovery.
Offers medical support and assistance if members need help while overseas or in mainland China.
From
HK$97/month
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