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 specialised medical coverage. Each plan offers unique advantages and features, providing diverse 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
Meets 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.
Network doctor visits for as low as HK$01
Insured can see network doctors for as low as HK$01 by simply presenting their e-Medical Card. No claims required.
24/7
Online management
Online management
By downloading the "Blue Cross HK" mobile app and logging in to BlueCross+, the insured will enjoy one-stop digital medical insurance service, which includes searching for network doctors nearby and speedy registration at designated network clinics, plus submitting claims and checking policy details round-the-clock.
Our Plans
We customise group medical plans that fit your company's budget and needs, providing your employees with the just right protection to work with peace of mind.
We customise group medical plans that fit your company's budget and needs, providing your employees with the just right protection to work with peace of mind.
Basic
as low as
HK$
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
Enhanced Protection: Caring Medical Protection Plus
Caring Medical Protection Plus is an individual medical insurance plan specifically designed for employees insured under Blue Cross group medical insurance policy, and their spouse and child(ren). Not only will it enhance the medical cover currently enjoyed by the employee, but also it will continue the medical protection for the employee and his/her loved ones even if he/she changes jobs or retire.
Plan Highlights:
- Offering Basic Hospital and Surgical Benefits§, Optional Outpatient Benefits‡ and Optional Dental Benefits‡
- Coverage of pre-existing conditions
- Yearly renewal with coverage until age 100
- Worldwide medical coverage
- 24-Hour Worldwide Emergency Aid Service
§ Underwriting not required, except under certain specified circumstances
‡ Underwriting not required
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 the 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 to apply for Employee Medical Care Plan?
A company with 3 or more 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 an employee’s dependant(s) must be the same or lower than that of the employee.
Can the policyholder change the plan level/eligibility of the insured anytime within the period of insurance?
No, such change can only be requested upon renewal, and endorsement by Blue Cross’s underwriting department is required. Please also note the terms below. The final acceptance of any risk is subject to Blue Cross’s discretion and approval.
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Change of Benefits:
Any change of benefits or coverage under the policy as requested by the policyholder shall only take effect at renewal or subject to the approval by Blue Cross.
In respect of the Basic Hospital and Surgical Benefits and the Optional Supplementary Medical Benefits, 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 the policy by giving not less than 30 days’ prior written notice to Blue Cross. 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 Blue Cross. 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 the policy shall be deducted from the premium to be refunded.
- If cancellation shall take place after the policy has been renewed upon the expiry of the first period of insurance, no premium will be refunded to the policyholder.
- Blue Cross may cease to provide cover to any insured if any requirement under the policy has not been complied with and in such event, Blue Cross 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. Blue Cross 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 on the same day, will he/she be reimbursed for both visits?
No, since the maximum number of visit is one per day for Chinese Medicine Practitioner Treatment (general practice, bone-setting and acupuncture), Blue Cross will only reimburse once, subject 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 the other insurance company and the certified true
copy of receipt.
They can download the “Blue Cross HK” mobile app and log in to BlueCross+ to view the claim record.
The insured should settle the outstanding amount via the payment methods mentioned in the Charge-Back Notice within 14 days from the date thereof, failing which Blue Cross may withdraw or suspend any Credit Facilities Services for the insured and his/her 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 Blue Cross 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.
