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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 Maximum TWO Hong Kong Disneyland Tickets +
      Up to HK$1,000 Supermarket Coupons²
      Enrolment Rewards Enrolment Rewards

      Who is eligible to apply for Caring Medical Protection Plus?

      Members of Blue Cross group medical insurance policy, as well as their spouse and child(ren), are eligible to apply.
      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 you need Caring Medical Protection Plus?​

      Rising medical expenses mean that employer‑provided group medical insurance may not be sufficient to cover all your medical needs. Caring Medical Protection Plus (the “Plan”) allows you to enhance your​ medical protection at an affordable premium, helping to fill the coverage gap. ​
      Extensive coverage​
      Extensive coverage​
      From basic hospital and surgical benefits to optional add-ons　(including supplementary medical, outpatient and dental benefits)
      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
      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 Plan4,5,6
      No underwiting
      No Underwriting
      Except under certain specified circumstances, underwriting is not required7, saving the hassle and time of a health check or filling in lengthy health declarations
      Elderly, Guaranteed renewal
      Annual Renewal with Coverage until Age 100
      The policy can be renewed annually⁸ and provides coverage until 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 electronic card.The relevant charges10 will be directly settled by us
      Mainland Healthcare Network<sup>11<sup/>
      Mainland Healthcare Network11
      Our designated mainland network hospitals cover day-case and hospitalisation procedure, and cancer care. Simply call the dedicated hotline to make your appointments
      Claim assessment
      Pre-assessment Service
      We will estimate your eligible claim reimbursement amount12, 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 if you retire early or later, you’ll still be covered for medical care after retirement
      Enrol online, fast & convenience
      Simple Online Enrolment at Your Fingertips
      You can either enrol via BlueCross+ Customer Portal or via this product page. Upon successful enrolment, you will receive your e-policy shortly​
      Extensive coverage​
      From basic hospital and surgical benefits to optional add-ons　(including supplementary medical, outpatient and dental benefits)
      No Underwriting
      Except under certain specified circumstances, underwriting is not required7, 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
      Annual Renewal with Coverage until Age 100
      The policy can be renewed annually⁸ and provides coverage until 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 electronic card.The relevant charges10 will be directly settled by us
      Pre-assessment Service
      We will estimate your eligible claim reimbursement amount12, 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 if you retire early or later, you’ll still be covered for medical care after retirement
      Simple Online Enrolment at Your Fingertips
      You can either enrol via BlueCross+ Customer Portal or via this product page. 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. Each of you are not​ required to select the same plan level for Basic Hospital and Surgical Benefits and the 3 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)
        May require underwriting7
        Outpatient benefits
        Optional Supplementary Medical Benefit
        Covers 80% of the eligible expenses payable in excess of the maximum benefit limit of 12 major items under Basic Hospital and Surgical Benefits (with the corresponding entitled level of accommodation), up to the maximum benefit limit per disability
        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$014
        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$4,00014
        Benefits Schedule
        Major Exclusions

        Case Analysis

        Basic Benefit​ Basic Hospital and Surgical Benefits (Benefit Sub-limit)
        Optional Benefits · Supplementary Medical Benefit
        Plan Level Premier
        Entitled Level of Accommodation Private
        · Outpatient Benefit​
        Plan level Standard
        Erica who is employed
        Erica is employed by a company which provides Blue Cross group medical insurance. To enhance her medical protection, she enrolled in Caring Medical Protection Plus through the Top-up Option, with the following plan details.
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        Plan Summary

        Product Nature Medical protection insurance plan (Reimbursement)
        Eligibility of the 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 with coverage until age 100
        Core Benefits Basic Hospital and Surgical Benefits
        Optional Benefits
        • Optional Supplementary Medical Benefit​
        • Optional Outpatient Benefits
        • Optional Dental Benefits
        Payment Mode15 Annual/Semi-annual/Monthly
        Underwriting No medical examination, health declaration or individual underwriting is required(except under certain specified circumstances7)

        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
        Download

        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 from 1 January to 31 December 2026 (both dates inclusive), each insured can get 1 Hong Kong Disneyland Ticket upon spending of actual premium for every HK$7,500 per insured per policy, with up to maximum 2 tickets per insured per policy. Please click "Terms and Conditions of the Enrolment Reward" for more details.
        • Coverage cannot be terminated as a result of termination or non-renewal of Blue Cross group medical insurance policy.
        • 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 and Optional Supplementary Medical Benefit 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.
        • 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 enrol in a plan level which is higher than the one you are currently entitled to under Blue Cross group medical insurance policy; (c) in respect of Optional Supplementary Medical Benefit, you wish to enrol in this benefit but you are not entitled to such benefit under Blue Cross group medical insurance policy; (d) in respect of Optional Supplementary Medical Benefit, you enrol in this optional benefit when you renew your policy of the Plan; or (e) your coverage under the Plan has previously been terminated and you wish to re-apply.​
        • 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.
        • For details, please log in to BlueCross+ via Blue Cross website or "Blue Cross HK" mobile app.
        • 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.
        • Under Caring Medical Protection Plus, Optional Supplementary Medical Benefit must be enrolled together with Basic Hospital and Surgical Benefits at the same plan level and the corresponding entitled level of accommodation. Accordingly, the levels of accommodation set out in the above table are applicable to both Optional Supplementary Medical Benefit and the Basic Hospital and Surgical Benefits.
        • 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.