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Bupa offers comprehensive healthcare coverage in Hong Kong through their VHIS-compliant plans and other individual and family plans. As one of the leading insurance providers in Hong Kong, Bupa is a trusted choice for health insurance with expats and locals alike.
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Do you live in Hong Kong and are looking for comprehensive health insurance? Perhaps you want to know more about Voluntary Health Insurance Scheme (VHIS) plans through popular providers like Bupa. This article from Pacific Prime will help you feel confident in beginning your insurance journey.
We will discuss the different plans offered by Bupa along with Bupa’s benefits and coverage and help guide you through what you need to know about health insurance in Hong Kong. Keep reading to learn more, or click here for a free quote!
Key Features of Bupa Health Insurance in Hong Kong
Key features of Bupa’s health insurance plans in Hong Kong are comprehensive coverage, a 24/7 Customer Care helpdesk, electronic services, and direct billing options. Each of these features is just one reason why Bupa has over 400,000 members in Hong Kong alone.
We will discuss these features below:
- Comprehensive Coverage: With Bupa’s wide array of plans to choose from, members can enjoy the comprehensive coverage that comes with their medical insurance plans. Inpatient and outpatient coverage and even dental and vision make up just some of the benefits available.
- 24/7 Customer Care Helpdesk: Bupa offers 24/7 customer service with their Customer Care help desk, allowing members to get answers to any policy-related questions whenever they need to, at any time.
- Electronic Services: Bupa offers their members multiple online platforms, myBupa and Blua Health, to make managing their health and policy easier.
- Direct Billing Options: As a well-known provider in Hong Kong, Bupa offers a wide provider network with direct billing options for its members. This saves their members the time and hassle of having to pay upfront and file a claim for reimbursement later.
Not only is Bupa a top insurance provider in Hong Kong, but it has the additional benefit of being VHIS compliant. We will discuss VHIS in more detail in the following section.
Bupa Health Insurance and VHIS in Hong Kong
Bupa has been registered as a Voluntary Health Insurance Scheme (VHIS) provider since the spring of 2019, the same year the VHIS was introduced. They offer their VHIS-compliant plans through their Bupa HERO VHIS, Bupa MyFlexi VHIS, Bupa MyBasic VHIS, and Global Prestige VHIS plans.
What is VHIS?
The Voluntary Health Insurance Scheme (VHIS) was designed to create minimum standards for certified medical insurance plans, with the goal of giving consumers greater transparency in their health insurance. It was introduced by Hong Kong’s Health Bureau in April 2019.
With the VHIS, coverage and terms and conditions of a health insurance plan are standardized, and plan renewal is guaranteed up to age 100. Unknown pre-existing conditions, day procedures, non-surgical cancer treatments, and psychiatric treatments are also covered.
VHIS plans come in two options: Standard and Flexi. Standard plans offer more basic care that meets VHIS standards, while the Flexi plan offers more comprehensive and extensive healthcare benefits.
To learn more about VHIS, check out Pacific Prime’s article below:
BUPA Health Insurance Plans for Expats in Hong Kong
Bupa offers comprehensive health insurance plans for individuals and families in Hong Kong through their VHIS series and other policy varieties. We will share an overview of Bupa’s health insurance plans below.
Bupa HERO VHIS Plan
The Bupa HERO VHIS plan was designed to offer members progressive coverage with comprehensive healthcare benefits. This plan offers four deductible tiers, ranging from HK$5 million to HK$40 million, across six plans.
These six different plan options are:
- Core
- Core Pro
- Advance
- Advance Pro
- Deluxe
- Deluxe Pro
Within the Bupa HERO VHIS plan, members can customize not only the extent of their medical coverage but also the location of that coverage, with coverage available in Asia, Australia, New Zealand, or worldwide excluding the United States.
Bupa MyBasic VHIS Plan
A certified Standard VHIS plan, Bupa MyBasic was created for those looking for basic medical coverage in Hong Kong. With no waiting period, members who choose MyBasic will enjoy immediate coverage after their policy begins.
MyBasic comes with an annual limit of HK$420,000. It offers a wide array of benefits, including inpatient and outpatient surgery.
Bupa MyFlexi VHIS Plan
Bupa MyFlexi VHIS plan is a certified Flexi VHIS plan and offers enhanced benefits on top of standard medical care coverage. Members can also add on optional benefits like clinical visits with psychiatrists and mental health providers, and dental or maternity coverage.
The enhanced benefits offered with MyFlexi plans are private nursing, emergency outpatient treatment for accidents, day patient kidney dialysis, and others.
This plan comes in six different options, each with differing benefits and coverage limits. These different plan options are:
- Deluxe
- Deluxe Plus
- Advance
- Advance Plus
- Standard
- Standard Plus
Global Prestige VHIS Plan
The Global Prestige VHIS plan provides its policyholders with a worldwide area of coverage and a maximum annual limit of HK$40 million. This plan comes in four different deductible options ranging from HK$0 to HK$8 million.
This plan offers comprehensive coverage with inpatient and outpatient benefits, optional benefits, and enhanced benefits. It also comes with a free Bupa Worldwide Assistance Programme, which offers help with medical evacuation and repatriation and answers to travel, medical, or legal questions.
Bupa CarePro Plan
The Bupa CarePro plan is an individual health insurance plan perfect for expats looking for comprehensive coverage in Hong Kong but who don’t want a VHIS plan. It was designed to give the medical coverage necessary while still remaining affordable to consumers.
This plan comes in three different options: Plan 1, Plan 2, and Plan 3. Each of these plans offers differing coverage limits and benefits. Members can also purchase optional medical benefits to add to their plans to tailor them to their needs.
Bupa All Together Plan
Bupa All Together is a family health insurance plan with a flexible combined annual benefit for the policyholders’ entire family. This plan includes a discount for children enrolled under 18 and full coverage for eligible medical expenses.
This plan comes in two different options: Plan A or Plan B. The annual maximum limit for the All Together plan is up to HK$5 million for the entire family.
Bupa Care Kid Plan
Bupa Care Kid is a plan designed for children with comprehensive coverage options and affordable rates. The plan covers children from 15 days old to 17 years old, with a guaranteed transfer to the Bupa CarePro plan when they turn 18 years old.
The plan offers inpatient and surgical coverage, with comprehensive daycare benefits as well. Members can also purchase optional benefits like dental to extend their coverage. A companion bed is covered as well, meaning your bed will be paid for if you stay in the hospital with your child overnight.
Bupa Civil Servants Plan
The Bupa Civil Servants plan was created to offer civil servants in Hong Kong affordable coverage for their medical needs. The Civil Servants plan is subscription-based, making it a popular choice for those looking for health insurance at competitive pricing.
This plan offers inpatient and day patient coverage, with three different plan options: Plan 1, Plan 2, and Plan 3.
How to Choose the Right Bupa Plan for Hong Kong
Choosing the right Bupa plan will require assessing your coverage needs, and your budget, and understanding exclusions. By carefully considering these factors, you can find the right plan for your or your family’s needs.
- Assess Your Coverage Needs: If you expect you will need comprehensive coverage for medical services, choosing a more comprehensive plan is the best option. If you don’t expect to make regular doctor visits and want only emergency care, a basic medical plan should work for you.
- Assess Your Budget: Assess how much you can afford in monthly or yearly premiums and stay within budget, but don’t choose simply based on which plan has the cheapest cost. You should ensure that your health and finances will be adequately protected through the coverage limit you purchase.
- Understand Exclusions: Take the time to read the terms and conditions to understand what will be excluded from your Bupa plan. You want to ensure that you are covered in all the areas you need, so you won’t be caught unprepared in the case you need coverage.
Frequently Asked Questions:
Will Bupa Hong Kong cover expats internationally?
Bupa Hong Kong does offer worldwide coverage with some of its plans, such as its Bupa HERO VHIS plan. Expats who plan to travel internationally often will benefit from these plans as their coverage will be globally portable and follow them abroad.
Does Bupa Hong Kong offer VHIS-compliant plans?
Bupa Hong Kong does offer VHIS-compliant plans through their Bupa VHIS series: Bupa HERO VHIS, Bupa MyBasic VHIS, Bupa MyFlexi VHIS, and Global Prestige VHIS. These plans meet all the standard requirements set by the VHIS, with options for additional and customizable benefits.
Conclusion:
Bupa is a leading insurance provider in Hong Kong that offers a wide variety of plans for expats and locals. Whether you are looking for a VHIS-compliant plan or coverage for your child, Bupa Hong Kong has a plan that can fit your coverage needs and budget.
If you’re interested in comparing Bupa Hong Kong health insurance plans, Pacific Prime can help. As an insurance broker, we can give our clients free and unbiased advice and help them compare a wide variety of plans. We can help make the process of buying insurance as smooth as possible.
You can contact us online, or call us toll-free at 1-800-868-1451. If you’d like to compare quotes from Bupa and other insurance providers, use our free quote tool!
If you enjoyed this article, check out our others with similar topics like Top 10 Travel Insurance for Hong Kong Travelers and Dental Insurance Options Hong Kong.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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