Voluntary Medical Insurance Plan for Local Students

a)

Please click here for the insurance coverage for 2025/26.

b)

In general, the policy can only cover medical expenses which are medically necessary, i.e. general check-up is not covered. Eligibility of claim shall be subject to claim document received and final assessment by the insurer.

c)

Treatment related to Congenital Conditions or Developmental Conditions or disease of similar kind are not covered.

d)

General Consultation is not covered by the Policy. (Note: Full-time students can enjoy FREE general consultation services and medications at the campus clinic by presenting their student ID cards.)

e)

The Policy does not include Dental Benefits.

For Existing Members (students who have enrolled in 2024/25)

a)

HK$559.56 for joining in 2025/26 from policy year start

- covers a 12-month period from 1 July 2025 to 30 June 2026.

For New Members

b)

HK$464.51 for joining in 2025/26 Fall Semester

- covers a 10-month period from 1 September 2025 to 30 June 2026.

c)

HK$229.96 for joining in 2025/26 Spring Semester

- covers a 5-month period from 1 February 2026 to 30 June 2026.

a)

Registered full-time local students can join the Medical Insurance Plan in Fall Semester or Spring Semester (for students admitted in Spring semester only).

b)

Students enroling the Plan in 2025/26 as new members should enrol in Fall Semester by completing the enrolment form on or before 25 September 2025 (Thursday). Upon receiving the enrolment form, Scholarships & Financial Aid Office will send the payment instruction to applicants by email within 7 days after confirming their eligibility. Applicants will have to settle the insurance premium and upload the payment proof to complete the enrolment.

Late enrolment would not be accepted. Students who missed the enrolment deadline would need to join the Plan, where eligible, in the next policy year in 2026/27 Fall.

c)

Students who are admitted in 2025/26 Spring and would like to enrol the Plan in 2025/26 Spring should submit the enrolment form by end of February 2026. Students who have changed their student statuses to full-time local students or who return from study leave in Spring semester would also be eligible.

a)   

Claims should be submitted within 90 days from clinical visit or discharge.

Students can submit claims electronically through Blue Cross+ Customer Portal by uploading the scanned copies of medical receipts, referral letter and relevant medical documents. (Note: Students who have yet to activate their user accounts, please refer here for first time activation.)

Blue Cross shall reserve the right to obtain the original medical receipts from members for verification. Hence, claimants have to keep the original receipts for 90 days after online submission.

(Students who are requested by Blue Cross to submit a "Hospitalization & Surgical Claim Form" to support their claims, please download the form here.)

b)

Should students wish to update their bank account information for receiving claims settlement, please follow the steps here. 

c)    

If the insured student is holding another insurance policy and the incurred medical expenses could not be fully reimbursed by the other policy, he/she may claim for the balance from this policy by providing original receipts and proof of claim payment from the other insurance policy.

d)

For enquiries related to coverage/ claim eligibility, please consult the insurer (Blue Cross) directly by calling their service hotline: 3608 2988. Please refer to your insurance certificate for your Policy number and Insured number.