Individual
Business
Employee Medical Care Plan
Why Blue Cross?
Blue Cross offers a range of customised insurance plans to meet your specific business needs, including group medical, group critical illness, and specialized medical coverage. Each plan offers unique advantages and features, providing comprehensive solutions to support your business goals.
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Over
0Group Medical Members
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As Few As
0Employees Can Enrol
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Over
0Medical Service Points
Meet the Needs of Companies of All Sizes
Flexible combinations of inpatient and outpatient benefits, with options of ward class and reimbursement percentage for different grades of employees, suiting
employers’ budgets and needs
Charge for network doctors as low as HK$01
Insured can see network doctors for as low as HK$01 by simply presenting their e-Medical Card. No claims required.
24/7
Online Management
Online Management
Manage your insurance plans and employee coverage anytime, anywhere with our "Blue Cross HK" mobile app.
Our Plans
We customise group medical plans that fit your company's budget and needs, providing your employees with the just right protection to work with peace of mind.
We customise group medical plans that fit your company's budget and needs, providing your employees with the just right protection to work with peace of mind.
Basic
as low as
HK$
3
/day2
per employee
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Basic Hospital and Surgical BenefitsWard
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Optional Supplementary Medical Benefits
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Optional Outpatient Benefits
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Optional Dental Benefits
Plan Highlights
Exclusive for Group Medical Member
Top–up Option/Conversion Option
- Strengthen medical protection to "Caring Medical Protection Plus" for an affordable premium without underwriting, bridging the gap in medical expenses.
- Maintain your current medical coverage seamlessly by converting to "Caring Medical Protection Plus", regardless of retirement or job change.
Blue Cross HK App
HR Portal (Super Care)
One-stop insurance services for employees
One-stop insurance services for employees
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e-Medical Card
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Search Network Doctors
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Claims Submission
View More
See Doctor
Document Download
Product Leaflet
Terms & Conditions
Application Forms
FAQs
How should the premium rate be calculated based on age nearest birthday?
If an insured’s next birthday falls within the coming 6 months from the policy effective date, the premium rate
will be based on his/her next age attained. Otherwise, it will be based on the insured’s current age. Policy
effective date will be used to determine the age attained if it is different from the application date. Example: If
an insured is aged 30 years and 2 months on the application date, the premium rate will be calculated based
on age 30. If an insured is aged 30 years and 10 months on the application date, the premium rate will be
calculated based on age 31.
“Pre-existing Conditions” shall mean any disability which presented signs or symptoms of which the Insured
was aware or should reasonably have been aware or for which the Insured received medical or surgical care
or treatment within 90 days immediately preceding the Insured Effective Date, unless the Insured has been
covered under the Policy for not less than 365 days.
In addition, “Pre-existing Conditions” is one of the exclusions. Unless specifically included in the Schedule of
Benefits or any endorsement to this Policy, Blue Cross shall not pay any claims, costs or expenses in relation
to or arising out of it.
What is the minimum number of employees for applying Employees Medical Care Plan?
A company with 3 or above employees is eligible to apply.
Submission of the Personal Health Record Form is required if the number of insured employees is below 5.
No, Optional Outpatient Benefits must be enrolled together with the Basic Hospital and Surgical Benefits.
No, the plan level of employee must be higher than their dependants.
Can the policyholder change the plan level / eligibility of insured anytime within the policy period?
No, such change could only be requested upon renewal and endorsement by Blue Cross’ underwriting
department is required. Please also note the below terms. The final acceptance of any risk is subject to the
Company’s discretion and approval.
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Change of Benefits:
Any change of benefits or coverage under this Policy as requested by the Policyholder shall only take effect at Renewal or subject to the approval by the Company. In respect of the Basic Hospital and Surgical Benefits and the Optional Supplementary Medical Benefits of the Benefits Provisions, if an Insured is afflicted with a Disability prior to the benefit upgrade, the Insured shall only be entitled to the benefit level in-force at the time when the Disability commences. However, if the benefit upgrade has been in force for 365 days when the Insured receives medical treatment for a Disability that precedes the benefit upgrade, the Insured shall be entitled to the benefit level after the benefit upgrade. Nevertheless, if the Insured is Confined in a Hospital at the time when the benefit upgrade first takes effect (“the Current Confinement“), the benefit upgrade will have no application to the Current Confinement and will only take effect after the Insured is discharged from the Current Confinement.
The Policyholder may cancel this Policy by giving not less than 30 days’ prior written notice to the Company.
The Policyholder may be entitled to a refund of part of the premium paid without interest during the first
Period of Insurance if the following conditions are fulfilled: a) no claims have been made; b) there is no
outstanding annual premium under the Policy; and c) all healthcare cards (if any) and coupons (if any) are
returned to the Company. The premium will be refunded in accordance with the table below:
Period Covered from the Effective Date
of the First Period of Insurance
Premium to be Refunded
Not exceeding
2 months
4 months
6 months
8 months
75%
55%
35%
15%
of the annual premium
Over 8 months
Nil
- No premium will be refunded to the Policyholder after the end of the 8th month of the first Period of Insurance.
- Notwithstanding anything to the contrary, any indebtedness which may be owing under this Policy shall be deducted from the premium to be refunded.
- If cancellation shall take place after this Policy has been renewed upon the expiry of the first Period of Insurance, no premium will be refunded to the Policyholder.
- The Company may cease to provide cover to any Insured if any requirement under this Policy has not been complied with and in such event, the Company may refund the premium to the Policyholder on a pro-rata basis for the unexpired Policy period of that Insured. For the avoidance of doubt, the Policy shall remain effective for the remainder of the Policy period in respect of other Insured(s).
The Policyholder shall notify Blue Cross any addition, deletion or changes of Insured within 30 days from the
date of such addition, deletion or changes of Insured. The Company shall credit or debit the Policyholder for premium on a daily pro-rata basis from the date of such addition, deletion or changes of Insured.
If an insured visited Chinese Medicine Practitioner and had a bone-setting treatment in another clinic in the
same day, can he/she received compensations twice?
No, since the maximum number of visit per day is 1 for Chinese Medicine Practitioner Treatment item
(General practice, bone-setting and acupuncture, Blue Cross will only pay once subjected to the maximum
benefit limit.
The Insured must submit their claim to Blue Cross within 90 days after the treatment via eClaims online
platform or mail to Blue Cross.
Please provide the copy of claim settlement report issued by other insurance company and the certified true
copy of receipt.
They can login Blue Cross HK App or Super Care website to view the claim record.
The insured should settle the outstanding amount via the payment methods mentioned in the Charge-Back
Notice within fourteen (14) days from the date hereof, failing which we may withdraw or suspend any Credit
Facilities Services for you and your family member(s) (if any) at any time without further notice.
Please note that the Policyholder and the Insured are liable for any ineligible expenses which are not covered
by the Policy or any expenses exceeding the benefit limit, which have been charged to the Credit Facilities
Services. The Policyholder and the Insured agree to reimburse the Company immediately for all ineligible or
excessive expenses incurred upon written demand. An interest will be charged at prevailing interest rate on
any amount that remains overdue for more than 30 days
