Bupa VTop

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Benefit Features

Top up your medical coverage at different life stages!

No underwriting - You can enrol in Bupa VTop's Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit¹ without underwriting regardless of your health conditions.

No waiting period - 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.³

Guaranteed lifetime renewal⁴ - Bupa guarantees that your cover can be renewed for life. Your premium will be based on your age only, no matter how many claims you've made.

Covers pre-existing conditions² - 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.

Enjoy continuous coverage⁵ - 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.

Comprehensive coverage - Provides Cancer Treatment and Kidney Dialysis Benefit and Psychiatric Treatment Benefit.

Optional benefits

Supplementary Major Medical Benefit⁶ - 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.

Clinical Benefit⁷ - 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.⁸

Health and wellness support

Health Coaching Services⁹- Offer 24/7 Healthline, second medical opinion and Care Manager to follow up on claims and assist members throughout treatment and recovery.

Free Bupa Worldwide Assistance Programme - Offers medical support and assistance if members need help while overseas or in mainland China.

Blua Health wellness app¹⁰ - Use our wellness app Blua Health to manage your health and get rewards! Through Blua Health, you can track your progress, book into wellness classes and read health tips from experts. You can also earn points to redeem rewards for healthy living. Download Blua Health now and start living healthy today!

Bupa's one-stop specialist treatment programmes - Bupa has set up a series of treatment programmes for members focusing on different specialities, providing personalised care and guidance through network providers and a health coaching team. Through these programmes, you can enjoy the following benefits:

Multiple specialties to meet different medical needs.
Experienced health professionals to guide you from consultation through treatment and follow-up.
Quality assured network clinics and facilities
Cashless treatment with eligible medical card

For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.

HEALTH COACHING SERVICES FOR DIFFERENT NEEDS

A team of qualified nurses and health management professionals provide 24-hour live guidance on your health-related queries, with the support of doctors¹¹

Second medical opinion from a panel of medical specialists can be arranged if you're suffering from a serious illness

Other services include providing healthcare centre choices and our Care Manager to follow up on your claims and support you throughout your treatment and recovery

WHY CHOOSE HONG KONG’S MEDICAL INSURANCE EXPERT?

Global healthcare specialist

Bupa began in the UK in 1947. We are a leading international healthcare organisation with over 70 years of experience.

Apart from providing health insurance, we run clinics, hospitals, dental centres care homes, and more in many countries like the UK, Australia and Spain. Our focus in healthcare funding and services explains why we have the expertise and resources to provide you with smart and suitable solutions in healthcare.

The health insurance schemes detailed on this webpage are underwritten by Bupa (Asia) Limited. Bupa (Asia) Limited is authorised and regulated by the Hong Kong Insurance Authority to carry out general insurance business in the HKSAR. All terms and benefits are subject to the Policy. Please refer to the Policy for details.

Notes, Terms and conditions

Notes:

1. Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit without underwriting regardless of your health conditions. Application for Optional Clinical Benefit requires underwriting.
2. All pre-existing conditions which are payable under your Bupa group scheme shall be covered under this scheme's Hospital and Surgical Benefit, Optional Supplementary Major Medical Benefit and Clinical Benefit (if applicable) if you have been continuously insured under a Bupa group scheme and/or Bupa VTop for a total of at least 12 consecutive months, with the exception of those specified under the General Exclusions of the Bupa VTop contract. If a Bupa or existing group member enrols in the Bupa VTop Health Insurance Scheme from 18 April to 31 July 2024 which is not within the specified enrolment period stipulated in the Contract, coverage of pre-existing conditions will start after the policy has been effective for 12 months. Coverage for pre-existing conditions is not available for family members (including but not limited to spouse, civil partner, children, parents and siblings) of an existing Bupa group member who are not a member of a Bupa group scheme.
3. This scheme will be effective on the 1st day of the month which immediately follows the last date of your group membership should it be the last day of a month. Otherwise, your cover will be effective on the 1st day of the same month when your group membership is terminated.
4.Bupa 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 your contract for further details.
5. Depending on your choice of plan.
6. Optional Supplementary Major Medical Benefit is available for enrolment for eligible group members only. For details, please refer to the section of the product brochure.
7. Application for Optional Clinical Benefit requires underwriting.
8. Please log in to Bupa’s customer service portal myBupa to view the list of network clinics. This list is subject to change from time to time.
9. The use of Health Coaching Services is free of charge. If the services suggested by us are not covered under Bupa VTop Health Insurance Scheme, you will be responsible for the fees incurred. Availability of the above services is dependent on room level chosen. Please refer to the Schedule of Benefits for details.
10. Blua Health is offered, distributed and operated by Horizon Health and Care Limited which is a company registered in Hong Kong under the Bupa Group.
11. Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon – Fri, from 9am to 6pm (Hong Kong time), except public holidays.