Bupa Global Hong Kong

Since starting in the UK in 1947 with just 38,000 members BUPA has developed into an internationally respected brand. Bupa Global was established in 1971 as the international health insurance division of Bupa.

Bupa Global now has offices in London and Brighton (UK), Miami (USA), Copenhagen (Denmark), Dubai (UAE, in partnership with OIC), and Hong Kong (China) as well as regional offices in mainland China, Singapore, Egypt, Mexico, the Dominican Republic, Bolivia, Brazil, Panama, Guatemala and Ecuador.

Of the previous BUPA International and (International Health Insurance danmark a/s (IHI) branded products, only the International Health and Hospital plan (IHHP) continues to be marketed in Hong Kong. (IHI was bought by BUPA in 2005 and ceased to exist as a brand on 1 January 2015).

In January 2015 BUPA announced it was stopping sale of all the IHI products from 1/4/2015.

BUPA Global's MembersWorld enables you to:

  • manage details of your plan
  • get prior approval for your treatment
  • submit and track claims*
  • apply for a free second medical opinion
  • access our 24-hour live webchat service

COVID 19 UPDATE

EXCEPT FOR ITS TRAVEL POLICIES * Bupa Global will pay claims relating to the diagnosis and treatment for any member diagnosed of suspected of suffering from the coronovirus (including all treatment costs of hospitalisation and medicines). This will apply for the entire duration of the COVID-19 emergency, notwithstanding any epidemic or pandemic exclusion in the policy terms and conditions.

For Travel policies purchased on the 14th of April 2020 or later, please note:
  • Medical treatment of epidemics falls under the exceptions to coverage of Bupa Global Travel Single Trip / Annual Multi Trip insurance – this means that any expenses in relation to the Corona Virus (Covid-19) are not covered
  • Evacuation due to epidemic, lack of treatment possibilities (irrispective of diagnosis), or civil unrest at the destination is currently not guaranteed possible due to the shutdown of airline routes

Until it was superseded by the new BUPA 'Ultimate' on 1-10-2015, the 'Superior' represented the best money could buy in international health care.

Superior Documents

European Economic Area (EEA).

Download all as zip

Non EAA

Download all as zip

The International Swiss Medical (ISM) was a comprehensive healthcare plan with hospital cover providing USD2m in benefits per person pa and Outpatient bills capped at USD40,000 per person pa, reimbursed @90%. This hospital and outpatient cover is called the 'Complete' plan. Sale of this product has been stopped in Hong Kong (31/10/2015) , but is still being renewed for those who had the cover.

ISM Documents

European Economic Area (EEA).

Download all as zip

Non EAA

Download all as zip

The IHHP was the most popular IHI danmark plan in Hong Kong and the only one to now still be marketed in the region.

It's popularity was due in part for the reason that allowed 2 children per adult (a total of 4 altogether) to be insured FREE of CHARGE) up until the age of 10.

It is seen more as a wealth preservation policy, concentrating on cover for (bigger) hospital bills, especially. For people in Hong Kong claiming on the IHHP out patient cover will often mean being reimbursed no more than 1/3 of the bill.

See 'Today's BUPA Global Plans' tab for more information.

IHHP Documents

European Economic Area (EEA).

Download all as zip

Non EAA

Download all as zip

The Worldwide Health Insurance plan predates the Superior, ISM and IHHP. Originally it was denominated only in Danish Kroner. Sale was stopped in HK on 1-10-2015.

It offers 5 levels of cover and an annual cap of

  • USD450,000 pa per person for the most basic hospital Option E, and
  • USD900,000 pa per person for the 'Ultimate' Option A plan which covers 100% hospital and 80% outpatient benefits.

An early attraction of this plan was that children under the age of 16 were covered free!

Like the ISM, maternity is coverable @100%.

Outpatient, pre and postnatal pregnancy consultations are, like other outpatient costs, reimbursed 80% (rather than 90% of the ISM).

Worldwide Documents

European Economic Area (EEA).

Download all as zip

Non EAA

Download all as zip

First Choice was IHI danmark's bid to create a group product for small and medium sized companies..-. sale of this product were stopped from 1-10-2015.

European Economic Area (EEA).

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Non EAA

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BUPA International was the former international division of BUPA, based in Brighton, UK. The initial individual plan was called 'Lifeline', which was subsequently followed by a product called 'Worldwide Health Options'.

For the corporate market BUPA provided a plan called the 'Company' plan.

Lifeline Documents

Gold

Classic

Essential

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Worldwide Health Options

Company Documents

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BUPA Global Product Comparison Document
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Elite

BUPA Global's Elite, offers up to HKD 78,000,000 in world wide cover for individuals and families

Annual maximum : HKD78,000,000

Coverage: Worldwide

This product is a collaboration between two of the most respected names in global healthcare, Bupa Global and Blue Shield Global.

Cover includes major illnesses and conditions, including:

  • cancer and emergency care,
  • Medical evacuation,
  • Day-to-day care covered up to HK $585,000 per year,
  • Health screening included after 10 months,
  • Accident-related dental treatment covered immediately, and routine dental covered after 6 months, up to the annual limit,
  • Optical cover included, up to the annual limit,
  • Maternity and childbirth covered after first 10 months,
  • 2 children under 10 per paying parent included at no extra cost, subject to underwriting

For further details on what is and what is not covered, please the the exclusions mentioned in the brochure below.

Elite Documents

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The IHHP or 'International Health and Hospital Plan' is the sole surviving IHI danmark plan in Hong Kong.

The product is modular and comes with a compulsory Hospital, component, to which you can add other modules as below:

EUR: Nil, 350, 1,050, 4,000, 8,000, 16,000The IHHP comes with a range of deductible* options ie:

GBP: Nil, 250, 750, 2,750, 5,500, 11,000

USD: Nil, 400, 1,600, 5,000, 10,000, 20,000

*The deductible is the contribution you make towards the cost of your treatment each policy year before receiving reimbursement.

The deductible is the contribution you make towards the cost of your treatment each policy year before receiving any reimbursement. This means that the total cost of the claims you submit must exceed your chosen deductible amount before BUPA is able to make any reimbursement payments to you. Every year when you renew your policy a new deductible will be applied. The deductible applies separately for each person on your insurance policy.

If you have an insurance policy with another health insurer (eg a local plan) you can send us copies of any bills covered by the other insurer and the corresponding reimbursement statements/explanation of benefits. Bupa can then count these towards your deductible, providing the benefits would have been covered under your Bupa Global insurance plan.

We are often asked by clients as they age, and may look to reduce costs by bearing a higher deductible, what is the difference between the International Swiss Medical and the International Health and Hospital plan. Below is our summary.

ISM. vs IHHP comparison

Document missing

NOTE:

1. If you have an IHHP policy, you are entitled to a 10% discount if you buy our Single Trip or Annual Travel

2.. The price rises on IHHP Bupa have been less than 10% pa over recent years, ie :

IHHP Documents

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BUPA Global has a new suite of products now on the market, as summarized below:

BUPA's Major Medical plan is a 'hospital only' product designed to take care of hospital associated treatments.

There is cover provided before you go to hospital and again when you need some follow up following hospitalization.

Cover is provided to USD3,000,000 pa and there are options for a USD4,000 and USD10,000 deductible.

Major Medical Documents

Download all as zip

If you want worldwide cover, excluding the USA, for everyday health expenses and serious conditions, Bupa' Global's 'SELECT' includes cover for:

  • major illnesses and conditions, including cancer and emergency carer,
  • Medical evacuation covered
  • Day-to-day care covered up to HK $97,500 per year,
  • Health screening included after 10 months,
  • You cover the first HK $11,700 of costs each year before we start paying for treatment

Select Documents

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This is the BUPA Global plan you may choose if you want extensive worldwide cover, excluding the USA .

Coverage indludes includes major illnesses and conditions, including:

  • Cover cancer and emergency care
  • Medical evacuation,
  • Day-to-day care covered up to HK $195,000 per year,
  • Health screening included after 10 months,
  • 50% of accident-related dental treatment covered immediately and a proportion of routine dental covered after 6 months, up to the annual limit,
  • 50% of optical cover included, up to the annual limit

Premier Documents

Elite

BUPA Global's Elite, offers up to HKD 78,000,000 in world wide cover for individuals and families

Annual maximum : HKD78,000,000

Coverage: Worldwide

This product is a collaboration between two of the most respected names in global healthcare, Bupa Global and Blue Shield Global.

Cover includes major illnesses and conditions, including:

  • cancer and emergency care,
  • Medical evacuation,
  • Day-to-day care covered up to HK $585,000 per year,
  • Health screening included after 10 months,
  • Accident-related dental treatment covered immediately, and routine dental covered after 6 months, up to the annual limit,
  • Optical cover included, up to the annual limit,
  • Maternity and childbirth covered after first 10 months,
  • 2 children under 10 per paying parent included at no extra cost, subject to underwriting

For further details on what is and what is not covered, please the the exclusions mentioned in the brochure below.

Elite Documents

Premium health insurance - Bupas's Ultimate

This is BUPA's highest level of insurance with:

- no annual limits,

- no cap on eligible GP consultations, and

- genetic cancer screening.

This product is a collaboration between two of the most respected names in global healthcare, Bupa Global and Blue Shield Global.

'

Ultimate Documents

The IHHP or 'International Health and Hospital Plan' is the sole surviving IHI danmark plan in Hong Kong.

The product is modular and comes with a compulsory Hospital, component, to which you can add other modules as below:

Module 1 : Non - Hospitalisation Benefits

Module 2 : Medicine and Appliances

Medical 3: Medical Evacuation and Repatriation

Module 4 : Dental and Optical

The IHHP comes with a range of deductible* options ie:

EUR €: Nil, €350, €1,050, €4,000, €8,000, €16,000

GBP £ : Nil, £250, £750, £2,750, £5,500, £11,000

USD $: Nil, $400, $1,600, $5,000, $10,000, $20,000

The deductible is the contribution you make towards the cost of your treatment each policy year before receiving any reimbursement. This means that the total cost of the claims you submit must exceed your chosen deductible amount before BUPA is able to make any reimbursement payments to you. Every year when you renew your policy a new deductible will be applied. The deductible applies separately for each person on your insurance policy.

If you have an insurance policy with another health insurer (eg a local plan) you can send us copies of any bills covered by the other insurer and the corresponding reimbursement statements/explanation of benefits. Bupa can then count these towards your deductible, providing the benefits would have been covered under your Bupa Global insurance plan.

We are often asked by clients as they age, and may look to reduce costs by bearing a higher deductible, what is the difference between the International Swiss Medical and the International Health and Hospital plan. Below is our summary.

Question on Dyslexia?

For existing BUPA IHHP or ISM members, BUPA do not have an exclusion for dyslexia unless, it is a pre-existing condition or falls under our ‘Exceptions to cover’.

For NEW applicants to IHHP, BUPA will review all conditions prior to accepting the application and will likely apply a loading, exclusion or even decline, depending on the severity.

ISM. vs IHHP comparison

Document missing

NOTE:

1. If you have an IHHP policy, you are entitled to a 10% discount if you buy our Single Trip or Annual Travel

2.. The price rises on IHHP Bupa have been less than 10% pa over recent years, ie :

IHHP Documents

Missing

Bupa's company group is a purpose built group plan that bears a lot in common with the former lifeline individual product.

The plan offfers medical history disregarded for 10 staff.

Company plan documents

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BUPA GLOBAL GROUP PORTABILITY RULES

If a staff who is covered by BUPA Global has been a group member for 3 years, then he/she willl have the option to transfer to the:

  • International Health and Hospital Plan ( IHHP) or
  • Elite, Major Medical, Ultimate

In the process, the staff will be asked

  1. Any foreseeable need for treatment in USA, if yes, please provide details?
  2. For female, is the member current pregnant?

Such questions are NOT asked if transferring to BUPA Global's Select or Premier, no additional underwriting is required.

Note:

  1. Member needs to fulfil 3 year in the group cover for the above rules apply.
  2. A continual cover is required.
  3. Full medical underwriting applied if member is less than 3 years membership in SME plan and/or only dependants to move to individual plan without the main applicant (main employee).

Bupa Global offers a specialist health insurance plan for companies which work in the maritime yachting industry.'

These are some of the benefits of the Bupa Global maritime yachting plan:

  • worldwide out-patient consultation and treatment cover
  • in-patient treatment cover
  • 24-hour multi-lingual medical helpline
  • optional evacuation and USA cover
  • track your claims*, update your details and view your policy documents via our MembersWorld website

Expat Crew Documents

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Email: crew@navigator-insurance.com
Call: +852 2530 2530
Fax: +852 2530 2535

A Message From our CEO

Address:
Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong