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Specifically Designed for Blue Cross Group Medical Insurance Members

Caring Medical Protection Plus

Individual medical insurance, group medical insurance, no underwriting, Guaranteed acceptance of pre-existing conditions

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      Product Leaflet
      Terms & Conditions
      Premium Table
      Welcome Offer
      Individual Medical Insurance
      Cover not just Enhanced for Current Employment, but Continued even when You Change Jobs or Retire
      Premium Discount Premium Discount
      Up to 19% off¹
      Premium Discount Premium Discount
      Enrolment Rewards Enrolment Rewards
      Free Hong Kong Disneyland Tickets +
      Up to HK$2,000 Supermarket Coupons²
      Enrolment Rewards Enrolment Rewards

      Who is Caring Medical Protection Plus for?

      Blue Cross group medical insurance members, their spouse and child(ren) can apply to enjoy medical protection throughout different stages of life.
      Enrolment Period
      Within 60 days from the date of termination of Blue Cross group medical insurance policy
      Policy Effective Date
      Benefit Coverage Effective Date
      Retirement medical protection
      Retiring Soon
      Continue medical coverage after retirement
      Youngster medical protection
      Starting a New Job
      Enhance medical protection
      Youngster medical protection
      Family-Focused
      Secure medical protection for your loved ones
      job changer medical protection
      Changing Job Soon
      Continue your medical cover during transition

      Why Caring Medical Protection Plus?

      With increasing healthcare costs in Hong Kong, your group medical insurance coverage may not be sufficient to pay all your medical expenses. Caring Medical Protection Plus (the "Plan") allows you to enhance medical protection at an affordable premium.
      No underwiting
      No Underwriting
      Except under certain specified circumstances, underwriting is not required4, saving the hassle and time of a health check or filling in lengthy health declarations
      Coverage acceptance of pre-existing conditions
      Coverage of Pre-existing Conditions
      All of your pre-existing conditions covered under Blue Cross group medical insurance policy would be covered under the Plan5,6,7
      Retire, move to a new job
      Continuous Coverage Regardless of Your Employment Status
      Your medical protection remains unchanged even when you leave your current job or retire
      Elderly, Guaranteed renewal
      Yearly Renewal with Coverage until Age 100
      The policy can be renewed annually⁸ and provides coverage up to age 100, irrespective of the insured’s health condition and claim history
      Endoscopy servies, Cashless arrangement
      Cashless Arrangement for Gastroscopy and Colonoscopy⁹
      Simply schedule the respective day case procedure using the electronic card we issue. The relevant charges10 will be directly settled by us
      Claim assessment
      Pre-procedure Claim Assessment
      We will estimate your eligible claim reimbursement amount11, allowing you to plan your budget in advance and undergo the medical procedure or treatment with peace of mind
      71-year-old birthday, Flexible enrolment age
      Flexibly Supports Retirement Planning
      The Plan offers a broad range of enrolment age and accepts application from an insured aged under 71. No matter whether you are retiring early or later, your retirement life will be medically covered
      Enrol online, fast & convenience
      Simple Online Enrolment at Your Fingertips
      Enrol in just 3 simple steps via BlueCross+ Customer Portal. Once completed and upon successful enrolment, you will receive your e-policy shortly
      No Underwriting
      Except under certain specified circumstances, underwriting is not required4, saving the hassle and time of a health check or filling in lengthy health declarations
      Coverage of Pre-existing Conditions
      All of your pre-existing conditions covered under Blue Cross group medical insurance policy would be covered under the Plan5,6,7
      Continuous Coverage Regardless of Your Employment Status
      Your medical protection remains unchanged even when you leave your current job or retire
      Yearly Renewal with Coverage until Age 100
      The policy can be renewed annually⁸ and provides coverage up to age 100, irrespective of the insured’s health condition and claim history
      Cashless Arrangement for Gastroscopy and Colonoscopy⁹
      Simply schedule the respective day case procedure using the electronic card we issue. The relevant charges10 will be directly settled by us
      Pre-procedure Claim Assessment
      We will estimate your eligible claim reimbursement amount11, allowing you to plan your budget in advance and undergo the medical procedure or treatment with peace of mind
      Flexibly Supports Retirement Planning
      The Plan offers a broad range of enrolment age and accepts application from an insured aged under 71. No matter whether you are retiring early or later, your retirement life will be medically covered
      Simple Online Enrolment at Your Fingertips
      Enrol in just 3 simple steps via BlueCross+ Customer Portal. Once completed and upon successful enrolment, you will receive your e-policy shortly
      See more
      Caring Medical Protection Plus
      Group Medical Insurance in General

      Flexible Planning for Family Health

      You and your spouse and child(ren) can apply for a policy individually based on your own needs and requirements, and each of you will not be required to select the same plan level (in respect of Basic Hospital and Surgical Benefits and the 2 optional benefits).
      Entitled Level of Accommodation under Your Current Blue Cross Group Medical Insurance Policy
        No underwriting
        The plan level under Caring Medical Protection Plus that can be applied for with no underwriting required⁴
        Figures below are the maximum benefit limit per disability of the benefit items listed under the corresponding plan level.
        No underwriting
        No underwriting
        No underwriting
        Standard (3)
        Superior (2)
        Premier (1)
        Standard (3)
        Superior (2)
        Premier (1)
        No underwriting
        Outpatient benefits
        Optional Outpatient Benefits
        Cover medical services from general practitioners, Chinese medicine practitioners, specialists, physiotherapists and more, with network co-payments as low as HK$0¹².
        No underwriting
        Dental benefits
        Optional Dental Benefits
        Cover eligible expenses for scale & polish, fillings, extractions and more, with overall maximum benefit limit per policy year up to HK$4,000¹².
        Benefits Schedule
        Major Exclusions

        Case Analysis

        Benefit Basic Hospital and Surgical Benefits (Benefit Sub-limit)
        Plan Level Premier (1)
        Entitled Level of Accommodation Private
        Optional Benefits Outpatient Benefits (Standard Plan)
        Alex who is retired
        Alex was employed by a company which provides Blue Cross group medical insurance. After working there for three years, he decided to retire early. To boost his medical protection, he enrolled in Caring Medical Protection Plus with Optional Outpatient Benefits within the first month after retirement.
        View More

        Plan Summary

        Purchase Objectives and Needs
        • To prepare for future healthcare needs; and
        • To settle medical expenses
        Product Type and Nature Medical protection insurance plan (Reimbursement)
        Eligibility of Insured Employees insured under Blue Cross group medical insurance policy, and their spouse and child(ren)
        Period of Insurance 1 year
        Enrolment Age 12 days to before 71st birthday
        Policy Renewal Annual renewal up to age 99
        Core Benefits Basic Hospital and Surgical Benefits
        Optional Benefits
        • Optional Outpatient Benefits
        • Optional Dental Benefits
        Payment Mode13 Annual/Semi-annual/Monthly
        Underwriting1 No medical examination, health declaration or individual underwriting is required

        Premium Discount

        Lifetime Premium Discount

        Existing Blue Cross Group Medical Insurance Members:10% off for life

        Family Discount

        Policies with 3 family members or more: 10% off
        Policies with 2 family members: 5% off

        BlueCross+ Customer Portal

        Manage your policy and claims anytime, anywhere. You can also enjoy one-stop digital medical insurance services :
        • Location-based network doctors search
        • Video consultation
        • Speedy registration and completion for outpatient consultation with electronic medical card
        • Pre-assessment Service
        BlueCross+ Customer Portal

        Extended Reading

        You can view your policy and claims records anytime, anywhere on the one-stop 24/7 policy management platform BlueCross+. You can also enjoy digital health insurance services on BlueCross+, including:
        保障啱啱好
        【轉工保險攻略】無團體醫保傍身點算好？
        12 Apr 2024

        Document Download

        Product Leaflet
        Download
        Terms and Conditions
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        FAQs​

        Remarks
        • Calculated based on enjoying Lifetime Premium Discount and Lifetime Family Discount (with 3 or more eligible family members insured) simultaneously. Lifetime Premium Discount is applicable to Top-up Option only.
        • During the Promotion Period between 1 Jan 2025 and 31 Dec 2025 (both dates inclusive), each insured can get 1 Hong Kong Disneyland Ticket upon spending of actual premium for every HK$5,000 per insured per policy. Please click “Terms and Conditions of the Enrolment Reward” in the promotional flyer “Welcome Offer” for more details.
        • Coverage cannot be terminated as a result of termination or non-renewal of Blue Cross group medical insurance policy.
        • Underwriting is required if (a) your spouse and/or child(ren) has/have not been insured under Blue Cross group medical insurance policy; (b) in respect of Basic Hospital and Surgical Benefits, you wish to be enrolled under a plan level which is higher than the plan level you are currently entitled to under Blue Cross group medical insurance policy; or (c) your coverage under the Plan has previously been terminated and you wish to re-apply.
        • The pre-existing conditions of your spouse and child(ren) covered under Blue Cross group medical insurance policy will be covered under the Plan if they are insured under Blue Cross group medical insurance policy. The pre-existing conditions of your spouse and child(ren) which exist before the policy effective date of the Plan will not be covered if they are not insured under Blue Cross group medical insurance policy.
        • If you remain covered under an in-force Blue Cross group medical insurance policy, in the first policy year of the Plan, the benefits payable to you for pre-existing conditions under Basic Hospital and Surgical Benefits will only be 50% of the amount of benefits payable, subject to the maximum benefit limit and other terms and conditions of the policy.
        • Except for the exclusions of the Plan.
        • Subject to the other terms and conditions of the policy and provided that the Plan continues to be available for renewal.
        • Only available to policies with annual premium payment mode.
        • The relevant charges include one pre-surgical and one post-surgical consultation, surgeon’s fee, anaesthetic service through intravenous (IV) sedation, charges for the use of an operating theatre (including but not limited to a treatment room and recovery room), pathology fee, Clo-test and charges for consumables and basic equipment/medication used during the day case procedure.
        • Assessment of the estimated eligible claim reimbursement amounts is for reference only. The actual eligible claim amount will be subject to the final claim decision of Blue Cross. All benefits will be payable subject to the terms and conditions of the policy and the full list of policy exclusions.
        • Only applicable to designated plan level.
        • Semi-annual and monthly payment modes are not available for policies with Optional Outpatient Benefits.
        Notes:
        • The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
        • The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.