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Bupa Empower SME

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Plan Overview
Ultimate flexibility to take care of your employees' health and wellness
  • Looking for a flexible group insurance scheme for your employees with a limited budget?
  • In need of a range of wellness services to support your employees' health and retain talented team members?
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Bupa Empower SME Health Insurance Scheme
is your ideal choice!
2 plan tiers including multiple options, for 700+ combinations
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No underwriting for SMEs of 2–50 employees in any industry
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Value for money with a wide range of wellness services
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Extra health and wellness support for your employees:
Enjoy up to 20% special discount on selected services at Quality HealthCare Medical Services eShop including Traditional Chinese Medicine, Medical Aesthetics and Lifestyle Package
*Terms and conditions apply.
Benefit Features
Ultimate flexibility with 700+ combinations
in 2-tier plan options
Bupa Empower offers ultimate flexibility for 700+ benefit combinations in 2 different tiers – Starter tier and Flyer tier. You can mix and match your base plan with benefits that cover out-patient procedures, hospitalisation or even just clinical visits with wellness service(s). Plus, you can add a wide range of optional benefits that fit your employees' needs. Simply tailor-make your group scheme in 3 steps .
Flyer tier
  • Offers plan options with higher coverage and flexibility
  • Suitable for established SMEs, middle management or above
Starter tier
  • Offers basic benefits at affordable rates
  • Suitable for start-up companies, general staff
Subscriptions by age group

This scheme has a simple subscription structure with 5 age groups for employees and their spouses, and a flat rate for employees' children.

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Low entry with just 2 employees

To support start-up companies, this scheme offers enrolment for a minimum of 2 employees and renewal up to age 69. Start-ups and SMEs in all industries are welcome.

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No underwriting

No medical examination is required at application.

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Digital convenience with myBupa

You'll also have free access to Bupa's employer portal myBupa to add or remove employees and dependants, check their claims status and shortfall history at any time.

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Case Study
Take a look at how Ms. Chan and Mr. Yuen tailor-make their
Bupa Empower schemes:
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Ms. Chan
Owner of a 2-person start-up
Ms. Chan has always loved cooking and has just started a bakery workshop with her business partner. Although it's a small business, Ms. Chan would like to plan for their medical needs so they can rest easy and focus on success. With just 2 employees and a limited budget, Ms. Chan isn't eligible for many corporate health insurance schemes in the market. Luckily Bupa Empower is here to help with a personalised combination of benefits:
Plan A
Hospital and Surgical Benefit
  • Covers expenses for clinical operations, day cases as well as hospital treatment
  • Covers network and non-network providers with free choice of doctors and hospitals for greater flexibility
Plan B
Clinical Benefit
  • Covers both Western medicine and Chinese medicine, including psychiatric-related treatments
  • Wellness Service – each member can enjoy one scaling and polishing each contract year
Subscriptions per person per month for Ms. Chan's chosen plan are as low as HK$171. If her company expands in the future, there’s an option to upgrade the benefits upon renewal to meet their changing needs. No matter the size, any company can easily manage their scheme with the myBupa employer portal. (Ms Chan Footer)
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Mr. Yuen
Head of HR in a SME with 40 employees
Ms. Chan has always loved cooking and has just started a bakery workshop with her business partner. Although it's a small business, Ms. Chan would like to plan for their medical needs so they can rest easy and focus on success. With just 2 employees and a limited budget, Ms. Chan isn't eligible for many corporate health insurance schemes in the market. Luckily Bupa Empower is here to help with a personalised combination of benefits:
Plan A
Hospital and Surgical Benefit
  • Covers expenses for clinical operations, day cases as well as hospital treatment
  • Covers network and non-network providers with free choice of doctors and hospitals for greater flexibility
Plan B
Clinical Benefit
  • Covers both Western medicine and Chinese medicine, including psychiatric-related treatments
  • Wellness Service – each member can enjoy one scaling and polishing each contract year
Subscriptions per person per month for Ms. Chan's chosen plan are as low as HK$171. If her company expands in the future, there’s an option to upgrade the benefits upon renewal to meet their changing needs. No matter the size, any company can easily manage their scheme with the myBupa employer portal. (Mr Yuen Footer)
To support your valuable employees
  • Coverage for cancer and serious infectious diseases
  • Second claims incentive
  • Covers pre-existing conditions
  • Video consultation services
  • Comprehensive mental health coverage
  • All-round wellness support ranging from dental service, optical check, health check and podiatry service
  • Cashless service with medical card
  • Access to lifelong cover by enrolling in Bupa VTop Health Insurance Scheme at different life stages
    (e.g., upon renewal of their group scheme, before or after changing jobs, before retirement)
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Optional benefits
  • Supplementary Major Medical Benefit
  • Special Hospital Cash Benefit
  • Maternity Benefit
  • Dental Benefit
Empower your company with value-added services
Health Coaching Services

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

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Free Bupa Worldwide Assistance Programme

Offers medical support and assistance if members need help while overseas or in mainland China.

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Manage your scheme with myBupa

Available as both an employer portal and smartphone app for members to manage benefits, submit claims online, search for network doctors and more.

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Blua Health Wellness App

BAssess your health instantly with AI powered health-tracking technology, enjoy a variety of health app features for free, earn points to redeem exclusive rewards and more.

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Other Plan Details

Frequently asked questions
Capability of operations: Bupa is one of the few top-notch health insurers with the operational capacity and capability to support the complexity and volume of services for large corporations.

Global knowledge and expertise: We are a global healthcare company funding health as well as running hospitals, clinics and other healthcare facilities in different healthcare systems worldwide. In Hong Kong, Quality HealthCare, one of the largest private clinic networks, is part of Bupa. This unique background enables us to bring the best of our global knowledge in healthcare funding, medical data analytics, and employees’ wellness to the local market.

Local experience and credentials: In Hong Kong, our expertise in healthcare and reputation in service quality has gained the trust of more than 400,000 individuals and 3,200 companies including heavy-weights in public utility and telecom industries. We have one of the largest medical networks that enables us to provide cashless treatment and cost containment.
Eligibility

Company size

2 50 employees

Employees

All full-time employees aged under 65 (renewal up to age 69)

Employees' dependants

  • Spouse aged under 65 (renewal up to age 69)
  • Unmarried children aged between 15 days and 17 years, or under 23 years for full-time students (with valid proof upon request)
Extra service – 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 service with eligible medical card

Bupa's one-stop specialist treatment programmes include:

Bupa DAY series
  • Eye day surgeries
  • Day-case gynaecological procedures
Bupa WAY series
  • Clinical treatments for musculoskeletal pain
  • Guidance and treatments to support breast health
For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.
Remarks
  1. Coverage for pre-existing conditions is only applicable to companies with at least 10 employees.
  2. Serious infectious diseases include Dengue Fever, Japanese Encephalitis, COVID-19 and more, as well as any future Public Health Emergency of International Concern according to the World Health Organisation. Please refer to the Schedule of Benefits for the detailed list of serious infectious diseases and the Contract for definitions.
  3. Visit Bupa's webpage about video consultation services for details. Terms and conditions apply.
  4. Supplementary Major Medical Benefit, Special Hospital Cash Benefit and Maternity Benefit are only applicable to companies with at least 5 employees.
  5. Health Coaching Services is only applicable to Flyer tier Hospital and Surgical Benefit Plan A1 and A2, as well as Clinical Benefit Plan C1.

Reasons to Choose Bupa

Trusted brand
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We have gained the trust of more than 400,000 individuals and 3,200 companies. We have provided quality health insurance for Hong Kong’s civil servants for more than 20 years.
Fast and easy claims
appointment
At Bupa Hong Kong, we honour our promise to fund the healthcare of our members and provide convenient, paperless eClaims services to our customers through myBupa. In most cases, we usually settle members' claims within 5 to 7 working days upon receiving the completed claim form and required documentation.
Attentive and round-the-clock support
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We're here to support our members at all times. Our Premium Service Booking Hotline provides one-stop dedicated services for our Medical Centres and Dental Centres. For all other enquiries, our 24-hour Customer Care helpdesk is here to help.
Pioneering Workplace Health Solutions in Hong Kong
care
Bupa's workplace health solutions aim to make a positive impact on your employees' health and wellbeing. Our workplace health professionals will recommend targeted programmes for your workplace based on your company's health profile, needs and priorities.
Trusted brand
care-home-villages
We have gained the trust of more than 400,000 individuals and 3,200 companies. We have provided quality health insurance for Hong Kong’s civil servants for more than 20 years.
Fast and easy claims
appointment
At Bupa Hong Kong, we honour our promise to fund the healthcare of our members and provide convenient, paperless eClaims services to our customers through myBupa. In most cases, we usually settle members' claims within 5 to 7 working days upon receiving the completed claim form and required documentation.
Attentive and round-the-clock support
customer-service-1
We're here to support our members at all times. Our Premium Service Booking Hotline provides one-stop dedicated services for our Medical Centres and Dental Centres. For all other enquiries, our 24-hour Customer Care helpdesk is here to help.
Pioneering Workplace Health Solutions in Hong Kong
care
Bupa's workplace health solutions aim to make a positive impact on your employees' health and wellbeing. Our workplace health professionals will recommend targeted programmes for your workplace based on your company's health profile, needs and priorities.

Talk With Us

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Talk With Us

Contact our health management consultant for details and advice.
Enrolment Hotline
Monday to Friday 9am – 6pm
(Except public holiday)
Group Member Enquiries
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