Civil Service Medical and Dental Benefits
The Government, as the employer of civil servants, has a contractual obligation to provide civil service medical and dental benefits.
The scope of such benefits is set out in the relevant Civil Service Regulations (CSRs), Civil Service Bureau (CSB) Circulars and Circular Memoranda (CM). Those provisions form part of the terms and conditions of employment of civil servants.
In general, civil service eligible person (CSEPs) are entitled to medical and dental treatment and services that are provided by the Department of Health (DH) or the Hospital Authority (HA) free of charge, save for the charges applicable to hospital maintenance, dentures and dental appliances as provided for in the CSRs.
CSEPs may also apply to DH for reimbursement/ direct payment of medical expenses if the attending HA/DH doctors certify that the drugs, equipment and services concerned are prescribed as medical necessity, and are chargeable by HA or not available in HA/DH.
As set out in the CSRs, the following persons are eligible for medical and dental benefits:
- monthly paid officers and their familiesNote;
- daily rated staff who are injured in the course of their duty (for medical treatment only);
- retired Government officers living in Hong Kong and in receipt of a pension or an annual allowance and their familiesNote living in Hong Kong;
- familiesNote of officers killed on duty and living in Hong Kong; and
- familiesNote living in Hong Kong and in receipt of a pension under the Widows' and Orphans Pension Scheme or Surviving Spouses' and Children's Pensions Scheme following the death of officers while in service or after retirement.
For the purposes of CSRs on medical and dental benefits, "family" means the officer's spouse and children (including children of divorced/legally separated officers, step-children, adopted children and illegitimate children) who are unmarried and under the age of 21. In the case of children aged 19 or 20, they must also be in full time education or in full time vocational training, or dependent on the officer as a result of physical or mental infirmity.
The Medical and Dental Benefits Eligibility Checking system (ECS) has been fully rolled out since 30 June 2008. CSEPs who are covered by the ECS only need to advise counter staff of the designated facilities that they are eligible for civil service medical and dental benefits, and produce valid proof of identity (e.g. Hong Kong Identity Card, Hong Kong Birth Certificate) for inspection when they seek treatment at the designated facilities. The counter staff will verify their eligibility through the ECS.
CSEPs who are not covered by the ECS will need to present a valid G.F. 181 (revised 2008) (for civil servants and their eligible dependants) or Try. 447 (revised 2008) (for retired civil servants and their eligible dependants) and produce valid proof of identity to counter staff when they seek treatment at the designated facilities. Please refer to CSB Circular No. 4/2008 for details regarding the administrative arrangements for seeking medical and dental benefits by CSEPs.
Eligible persons will be provided with civil service medical benefits only if their eligibility is confirmed through the ECS or G.F.181 (revised 2008)/Try. 447 (revised 2008) as appropriate. Hospital/clinic staff are not under any obligation to provide civil service medical benefits to individuals whose eligibility cannot be confirmed. (Special arrangements are provided for accident and emergency services in HA hospitals. Please see paragraphs 4 and 5 in Appendix 2 of CSB Circular No. 4/2008 for details). If eligible persons whose eligibility cannot be confirmed pay the requisite fees, refund is generally not allowed even if their eligibility is confirmed afterwards or they produce a revised G.F. 181 subsequently.
It is the officers' responsibility to report promptly to departmental management their own and their eligible dependants' personal particulars on first appointment and upon changes in such particulars as and when they arise, in order that departmental management can arrange timely updating in the departmental records and / or Treasury's Central Payroll Related Database (or electronic template). In particular, officers are reminded to update information on full-time education or vocational training of their dependent children at the age of 19 or 20 as the ECS will automatically exclude all dependent children once they reach the age of 19. If an officer fails to report changes in personal particular, thus resulting in the provision of civil service medical benefits (including reimbursement / direct payment of medical expenses) to ineligible persons, the officer concerned will be held liable for payment of unpaid charges and recovery of over-paid benefits. Disciplinary action and / or legal proceedings may also be instigated.
HA provides outpatient medical services to CSEPs alongside members of the public through its network of general out-patient clinics (GOPCs) and specialist out-patient clinics (SOPCs) throughout the territories. Inpatient services at concessionary rates and free accident and emergency (A&E) services are also provided by HA hospitals to CSEPs.
GOPCs in HA are providing general outpatient services to the general public including CSEPs.
CSEPs are entitled to free medical treatment at HA's GOPCs, subject to the availability of quota, verification of eligibility through the ECS or presentation of a valid G.F. 181 (revised 2008) or Try. 447 (revised 2008), and production of valid proof of identity by CSEPs. Discs are issued at GOPCs to indicate the order and time of consultation.
A number of priority discs are reserved for serving civil servants during normal day sessions, at the beginning of the morning and / or the afternoon session at most of the GOPCs (except Sundays and public holidays). Priority discs are also reserved in clinic sessions in the evening from Monday to Friday (except public holidays) in Tuen Mun Clinic (TMC) under a pilot scheme. The main purpose of giving civil servants priority treatment is to enable them to return to work, if considered fit, as early as possible in order to maintain normal workforce. Hence, no priority discs will be given to pensioners, or eligible dependants of civil servants or pensioners.
In general, the registration hours for the civil servants priority discs at the GOPCs are from 8:45 a.m. to 9:30 a.m. for the morning session and from 1:45 p.m. to 2:30 p.m. for the afternoon session, except for a few GOPCs in remote areasNote. Any unused priority discs after 9:30 a.m. and 2:30 p.m. respectively will be released to members of the public. This notwithstanding, civil servants who turn up at the GOPCs after 9:30 a.m. and 2:30 p.m. respectively will be attended to provided that the number of priority discs given to civil servants during the session has not exceeded the stipulated priority discs quota.
Advance booking of priority discs by telephone is also available for serving civil servants at selected clinics. This can be made only for the day on which appointments are made and does not apply to clinic sessions which operate outside normal working hours, i.e. in the evenings, on Sundays and on public holidays.
The number of priority discs varies amongst clinics. It may also vary on different days depending on the actual circumstances of the days. Civil servants can check with the registration counter or telephone the general enquiry number of GOPCs to check whether the relevant priority discs are still available. As a general reference, civil servants may refer to the table on a rough indication on the utilisation of priority discs in GOPCs. The table will be updated at regular intervals as the utilisation of priority discs in GOPC, may vary each day.
If all priority discs are given out on a day, civil servants may make telephone booking for a public disc in the same manner as members of the public and receive free treatment. In the case of emergency, CSEPs, like the public, may approach the nursing officer of a GOPC in person. The nursing officer may arrange for earlier medical attention according to the medical condition of the patient. The office of the nursing officer is shown in a notice displayed in the waiting hall of a clinic. The shroff is not in a position to exercise discretion on accepting patients when discs are all allocated.
A few GOPCs in remote areas, including Peng Chau GOPC, Sha Tau Kok GOPC, Sok Kwu Wan GOPC and Ta Kwu Ling GOPC where slight adjustment to registration hours is required to meet operational needs and transport condition in these areas. Civil servants are requested to refer to the relevant webpage at HA's website for the updated information on registration hours of GOPCs.
Pilot scheme for provision of priority discs in the evening session of TMC
Starting from 3 July 2018, TMCNote provides five priority discs for serving civil servants in its evening session each day from Monday to Friday (except public holidays). The consultation hours of the evening session of TMC are from 6:00 p.m. to 10:00 p.m. and the registration hours for the civil servant priority discs in the evening session are from 5:45 p.m. to 6:30 p.m. Any unused priority discs after 6:30 p.m. will be released to members of the public. Serving civil servants who turn up at TMC after 6:30 p.m. will, however, not be attended to under the pilot scheme even if the stipulated priority discs quota for serving civil servants of that evening session has not been exceeded.
Address of TMC: 11 Tsing Yi Street, San Hui, Tuen Mun, New Territories.
SOPCs in HA are providing specialist outpatient services to the general public including CSEPs. All attendances at SOPCs should be made by appointments. A CSEP who has obtained a doctor's referral from a public or private clinic may make an appointment at HA’s SOPC. Subject to the verification of eligibility through the ECS or presentation of a valid G.F. 181 (revised 2008) or Try. 447 (revised 2008), and production of valid proof of identity by CSEPs, CSEPs are entitled to free medical service when they attend the scheduled appointment at HA’s SOPCs. However, private clinic services in HA are outside the scope of civil service medical and dental benefits. CSEPs opted for HA's private clinic services have to bear the related medical expenses by themselves.
HA has introduced a computerised specialist out-patient (SOP) appointment system and developed sub-specialties in various clinical specialties. Under this system, patients (including CSEPs and the general public) are triaged and followed up by the appropriate specialist teams of the appropriate clinical specialty or sub-specialty. While some patients are referred directly to sub-specialty clinics in accordance with established clinical guidelines, most new appointments for specialist clinics are initially seen at the general clinic of each clinical specialty. Patients requiring sub-specialty service subsequently will be given appointments at the sub-specialist outpatient clinics, in a similar manner as members of the public. According to HA, the median waiting time for SOPCs for urgent cases and semi-urgent cases are 2 weeks and 8 weeks respectively.
Apart from the SOPCs providing services to CSEPs and the general public, the following dedicated services are available for the exclusive use of CSEPs.
L Block of QEH provides eight general specialty services including family medicine, gynaecology, medicine, neurosurgery, obstetrics, orthopaedics & traumatology, paediatrics, and surgery for the exclusive use of CSEPs. A CSEP who has obtained a doctor's referral from a public or private clinic may approach the L Block of QEH (Tel. No.: 3506 6123). CSEP patients first visiting L Block of QEH will be triaged having regard to their medical condition. For urgent and semi-urgent cases or where sub-specialty service is required, patients will be referred to the relevant specialty of the SOPCs (or sub-specialist outpatient clinics) of QEH for follow-up alongside the general public. For the remaining CSEP patients (i.e. those who have not been referred to other specialist clinics and the general specialty service required is available thereat), they would be given an appointment in the L Block of QEH.
A dedicated SOPC for the exclusive use of CSEPs, namely 9HSC at PWH, has commenced service with effect from 26 March 2012. It provides general SOP services in seven specialties including ear nose & throat, family medicine, gynaecology, medicine, orthopaedics & traumatology, paediatrics & adolescent medicine, and surgery. A CSEP who has made an appointment for first consultation at an HA SOPC (other than the Saturday SOP (SSOP) clinic at QMH) may approach 9HSC (Tel. No.: 3505 4154) to see if an earlier appointment in the relevant specialty is available at 9HSC. If an appointment date at 9HSC is accepted by a CSEP, the CSEP’s case will be managed by 9HSC until the date of the original SOP appointment. Related administrative details are set out in the detailed note, and the gist has been summarised in the leaflet.
Extra SOP services sessions for the exclusive use of CSEPs are also available on Saturday morning at QMH with effect from 1 September 2012, providing general SOP services in four specialties including gynaecology (Note: QMH SSOP has ceased to take on new cases for gynaecological service with effect from 1 July 2014), medicine, orthopaedics & traumatology (Note: QMH SSOP will cease to take on new cases for orthopaedics & traumatology service with effect from 1 May 2015), and surgery. A CSEP who has made an appointment for first consultation at an HA SOPC (other than 9HSC in PWH) may approach the QMH SSOP Clinic (Tel. No.: 2872 0155) to see if an earlier appointment in the relevant specialty is available at the SSOP Clinic. If an appointment date at SSOP Clinic is accepted by a CSEP, the CSEP's case will be managed by QMH SSOP clinic until the date of the original SOP appointment. Related administrative details are set out in the detailed note, and the gist has been summarised in the leaflet.
The Block G Imaging Centre at QEH for the exclusive use of CSEPs has commenced services with effect from 3 January 2011. The Centre provides general Computed Tomography (CT), Magnetic Resonance Imaging (MRI) and ultrasound scanning services for CSEPs in addition to the existing imaging services provided at HA hospitals. CSEPs (CSEP outpatients of the Kowloon Central Cluster who require CT/MRI/ultrasound services will be automatically arranged to attend the Block G Imaging Centre for the required examination) who already have a scheduled appointment for general CT/ MRI/ ultrasound services at their attending HA hospitals and do not need to be hospitalised for receiving the required services may contact the Block G Imaging Centre (Tel. No.: 3506 5711) to check whether an earlier appointment could be scheduled for receiving the service at the Block G Imaging Centre. CSEPs may refer to the note for the detailed arrangement and the gist has been summarised in the leaflet. The waiting time of the respective diagnostic services provided in the Centre will also be updated regularly for CSEPs' information.
A&E services are available in most of HA hospitals. A&E Department of HA hospital provides consultation and treatment to patients requiring emergency service. Patients who do not require emergency attendance should seek medical treatment in public or private clinics.
In order that patients are provided with timely treatment, all patients attending A&E Departments of HA hospital are subject to a triage system on arrival. Whenever a patient registers for treatment, the triage nurse classifies the patient as requiring critical, emergency, urgent, semi-urgent, or non-urgent treatment. Priority for treatment is given to the patient according to his condition and not according to his time of registration.
Inpatient services at concessionary rates are provided by HA hospitals to CSEPs. CSEPs may apply for private/special accommodation beds which will be subject to the availability of the class of beds requested and the clinical conditions of CSEP patients as advised by the attending HA doctors.
Arrangement for Wives of Civil Servants or Pensioners Not Normally Residents in Hong Kong to Receive Obstetric Services in Hong Kong
Starting from 1 February 2007, Mainland women who have been pregnant for seven months or more are required to produce the original of the Confirmation Certificate issued by either HA or private hospitals upon entry at immigration control points to prove that they have confirmed antenatal and delivery booking at a hospital in Hong Kong. Failing this, they might be denied entry and might be repatriated.
Eligible dependants (including wives) of civil servants or pensioners, who are not normally resident in Hong Kong and do not hold Hong Kong Identity Cards, are eligible for civil service medical benefits in Hong Kong. In the light of the new measure mentioned above, wives of civil servants or pensioners, who are not holding Hong Kong Identity Cards and wish to obtain obstetric services from HA in the capacity of CSEPs, are reminded to -
- book HA obstetric services in advance at the HA hospital where they intend to deliver; and
- obtain the Confirmation Certificate from the HA hospital, which is required for entry into Hong Kong at late pregnancy.
These CSEPs will have the same access to HA obstetric services as local pregnant women, subject to verification of their CSEP status. The obstetric charges for non-Hong Kong residents do not apply to them. Upon admission to HA hospitals, they will be charged at prevailing hospital maintenance rates as set out in CSRs.
Patient relations officers are appointed in each hospital. Their duties include answering enquiries, receiving feedbacks from patients and their relatives on the services of the hospital. They also ensure that complaints on services of the hospital are handled promptly and appropriately.
DH is responsible for providing families clinic and dental clinic services to CSEPs as well as processing their applications for reimbursement of medical expenses.
DH operates 5 families clinics, 1 in Kowloon and 2 each on Hong Kong Island and in the New Territories. Families clinic will allocate same-day appointment, advanced appointment (within seven working days) and re-appointment to CSEPs as appropriate. They receive telephone bookings at 8:00 a.m. from Monday to Friday.
CSEPs can make appointments through the Automated Telephone Booking System (ATBS), in addition to calling at individual clinics direct. The ATBS operates round-the-clock at 3950 9600 and provides booking service in Cantonese, Putonghua and English. CSEPs can call at any time to choose a families clinic for making appointments for the next 24 hours or the next seven working days. CSEPs who have successfully made an appointment through the ATBS can make enquiries of or cancel the appointment through the system. Details of the appointment flow are set out in the flow chart.
DH operates more than 30 Government dental clinics to provide general dental services for CSEPs, including routine check-up, scaling and filling etc. For better treatment effect and use of resources, CSEPs should select one dental clinic for receiving the services concerned.
Individual dental clinics provide services during extended operating hours. CSEPs should contact their attending dental clinics for details and make prior appointment before visiting the specified dental clinic during the extended operating hours.
CSEPs using dental services for the first time should contact the dental clinics by phone for making appointments. Recall appointments for routine check-ups will be arranged after the completion of treatment. Please attend the check-ups according to the date and time on the appointment card.
The waiting time for dental appointments varies from time to time and from clinic to clinic. CSEPs could make reference to the waiting time for dental appointment displayed at the dental clinics, and he/ she should contact the individual dental clinic to obtain the exact date of appointment available. For CSEPs who wish to switch to another dental clinic, they could approach their attending dental clinic for the details and follow-up arrangement.
Notwithstanding the comprehensive scope of services provided by HA, there may be occasions where the required drugs/ equipment/ services which form an essential part of the medical treatment as prescribed by the attending HA doctor on medical grounds are either chargeable by HA, or not available in HA. Under such circumstances, a CSEP may procure them from HA, or from outside (only when the required drugs/ equipment/ services are not available in HA), and then apply to DH for reimbursement of medical expenses or direct payment in respect of specified items.
A summary of the coverage of the reimbursement programme and the relevant application form is provided below:
Note: Must be prescribed on medical grounds
Through direct payment
from DH to HA
For reimbursement of expenses on medical equipment, the prevailing policy is that unless the attending HA doctor has certified that a specific or a more sophisticated model of the equipment is required, only the cost of the basic model will be reimbursable. Specifically, for Continuous Positive Airway Pressure machines, please refer to the detailed note setting out the reimbursement arrangements, including the maximum rate for a basic model.
The reimbursement programme is also applicable in cases where an attending DH doctor prescribes drugs which form an essential part of the medical treatment to the CSEP on medical grounds and the drugs are not available in the pharmacy of the attending DH clinic. For such cases, a CSEP concerned may apply to DH for reimbursement of medical expenses incurred on the drugs. The application FORM B is also applicable for this purpose.
The application FORM A should be used for applying for direct payment arrangement for drugs which are available at the pharmacy of the attending HA facility, prescribed on medical grounds and chargeable by HA (except lifestyle drugs).
The CSEP should present the drug prescription obtained from the attending HA doctor to the pharmacy at the attending HA facility to obtain an invoice. For hospital in-patients, invoice(s) will be provided by ward staff. The duly completed FORM A together with the invoice issued by the pharmacy should be submitted by the CSEP to the shroff office of the attending HA facility. Upon checking the patient's eligibility for civil service medical benefits, the shroff will issue a receipt to the CSEP for presenting to the ward/ pharmacy in order to obtain the prescribed drugs. The CSEP will not be required to make any payment out-of-pocket. It should be noted that the CSEP will no longer be provided with an invoice for retention.
For each episode of hospitalisation in the same hospital, a CSEP in-patient is only required to submit one application. For CSEPs using outpatient services, including patients who have been discharged from hospital, a fresh application should be submitted for each round of prescription. The CSEP attending the medical consultation is advised to bring along a FORM A, duly completed and signed by the applicant (i.e. civil servant or pensioner), for use if necessary.
The stock of drugs varies from facility to facility under HA. If the prescribed drug(s) shown in the attending HA doctor's prescription is/are available from the pharmacy of the attending HA facility, CSEPs must obtain the drugs from that pharmacy. In such cases, DH will not arrange reimbursement to any CSEP who buys the prescribed drug from an outside pharmacy.
Please refer to the flow chart for the steps for applying for direct payment from DH for drugs provided by the pharmacy at the attending HA facility. Separately, please note the salient points for application for direct payment using FORM A.
Application for Reimbursement / Direct Payment of Medical Expenses (except drugs provided by the HA)
The application FORM B should be used for applying for-
(i) direct payment of medical expenses for specified equipment/services provided by HA;
(ii) reimbursement of medical expenses for other chargeable equipment/services provided by/through HA; and
(iii) reimbursement of medical expenses for drugs/equipment/services not available at HA.
Direct payment of medical expenses from DH for specified equipment/ services provided by HA
Provided that the equipment / services are prescribed on medical grounds, CSEPs are also not required to pay out-of-pocket for the following equipment / services provided by HA which are covered under the direct payment arrangement:
- percutaneous transluminal coronary angioplasty (PTCA) cases;
- intraocular lens procedures;
- non-PTCA consumables for interventional cardiology; and
- positron emission tomography (PET) service.
Unless otherwise advised by the attending HA facility concerned, the completed FORM B should be submitted to the shroff office of the attending HA facility before the equipment/service is provided.
Reimbursement of medical expenses for other chargeable equipment/services provided by/through HA, and
Reimbursement of medical expenses for drugs/equipment/services not available at HA
For reimbursement of medical expenses for other chargeable equipment/services provided by/through HA and for drugs/equipment/services not available at HA, applicants should complete and submit the original application FORM B and supporting documents to the Medical Reimbursement Section, Finance and Supplies Division of DH (Unit 1107-1108, 11/F, 248 Queen’s Road East, Wan Chai, Hong Kong) (including original itemised bill/receipt(s), photocopy of the drug prescription issued by the HA attending doctor and any other relevant documents) within three months of procurement of the item(s).
Please refer to the flow chart for the steps for applying for direct payment or reimbursement using FORM B. Separately, please note the salient points for application for reimbursement/ direct payment of medical expenses using FORM B.
Items that are not reimbursable
CSEPs should note that no reimbursement will be provided in the following situations -
- the drugs / equipment / services are not prescribed on medical grounds (e.g. lifestyle drugs);
- the drugs procured from outside are available at the pharmacy of the attending HA facility (regardless of whether the drugs are chargeable by HA), even in cases of emergency;
- the equipment / services procured from outside are available in HA (regardless of whether the equipment / services are chargeable by HA), even in cases of emergency and irrespective of whether the attending doctor has provided medical certification;
- drugs / equipment / services are procured from private facilities on the CSEP's own accord, even in cases of emergency; and/or
- medical consultation, drugs, equipment and/or services pursuant to a consultation with an individual HA doctor or a member of the teaching staff of a university in the CSEP's capacity as the attending doctor's private patient, even in cases of emergency.
CSEPs may download the following forms for use:
Civil servants may approach the administrative unit of their bureau/department for copies of the forms. Pensioners who require forms may contact the Pensioner Services Unit of CSB by phone (at 2810 3850) or by email (firstname.lastname@example.org). Separately, a limited quantity of the application forms is available at the shroff of major HA hospitals.
For enquiries concerning processing of applications and related payment and accounting arrangements, please contact the Medical Reimbursement Section, Finance and Supplies Division of DH (at 3107 3415 or 3107 3417; or by email at email@example.com).
Reimbursement of Co-payment under HA's Pilot Public-Private Partnership Scheme in Cataract Surgeries
HA has launched a pilot public-private partnership scheme in cataract surgeries. Patients with the longest waiting time on HA central waiting list and suitable for local anaesthesia cataract surgeries will be invited to participate in the scheme on a voluntary basis. Under the scheme, patients may choose to have the cataract surgery performed by a private ophthalmologist. CSEPs will also be invited by HA to participate in the scheme as other public patients, in accordance with the selection criteria. If they agree to participate in the pilot scheme, they will be subject to co-payment of not more than $8,000 to the private ophthalmologist, while the latter will receive the fixed subsidy of $5,000 from HA. CSEPs may apply to DH for reimbursement of co-payment. Details of the pilot scheme (including the list of private ophthalmologists participating in this scheme) are available at the HA website. CSEPs may refer to the detailed note setting out the arrangement for reimbursement of co-payment under the scheme.
HA has launched a Colon Assessment Public-Private Partnership Programme. Patients who are currently on the waiting list for colonoscopy in HA hospitals, classified as stable cases, and fit for home bowel preparation and colonoscopy under an ambulatory setting will be invited by HA to enrol to the programme on a voluntary basis. Patients do not need to apply by themselves. Under the programme, patients may choose to have the clinical assessment, colonoscopy and post-procedural explanation and management performed by a private specialist participating in the programme. CSEPs will also be invited by HA to participate in the programme as other public patients, in accordance with the selection criteria. If they agree to participate in the programme, they will be subject to co-payment of not more than $2,000 to the private specialist, and the latter will receive a fixed subsidy from HA. CSEPs may apply to DH for reimbursement of co-payment. Details of the programme (including the list of private specialists participating in this programme) are available at the HA website. CSEPs may refer to the detailed note setting out the arrangement for reimbursement of co-payment under the programme.
Please click here for some commonly asked questions.
For serving civil servants, enquiries concerning civil service medical and dental benefits should be addressed to Departmental Secretaries. If Departmental Secretaries themselves are in doubt, they may contact Executive Officer (Conditions of Service)1 at 2810 3079 or Senior Executive Officer (Conditions of Service)1 at 2810 3082. For pensioners, they may contact the Pensioner Services Unit of CSB at 2810 3850 or the Pensions Enquiry Office of the Treasury at 2829 5113 or 2829 5114.
Voluntary Medical Insurance Scheme for Civil Servants and Non-Civil Servants Employed by the Government
In 1996, the Standing Committee on Medical and Dental Facilities for Civil Servants introduced a Voluntary Medical Insurance Scheme for Civil Servants. The Scheme serves as a supplement to the existing civil service medical and dental benefits for serving civil servants and their eligible dependants by providing an option for officers to take out medical insurance for themselves and their families. Participation in the Scheme is entirely voluntary and would not affect the eligibility of CSEPs for medical and dental benefits provided by the Government. Since October 2002, non-civil servants employed by the Government and their dependants may also participate in the Scheme. All officers and their eligible dependants who join the Scheme are required to pay the full premium.
The Working Group on Voluntary Medical Insurance Scheme for Civil Servants and Non-civil Servants Employed by the Government, comprising representatives from the Staff Sides of the Disciplined Services Consultative Council, the Model Scale 1 Staff Consultative Council, the Police Force Council and the Senior Civil Service Council, has selected in 2018 the following ten companies to be carriers of the Scheme for one year effective from 1 July 2018 (with schedule of surgical operations for reference):
|Since||Name of Company||Hotline||
Schedule of Surgical Operations (Schedule)
|1996||BUPA (Asia) Ltd||2517 5678||Schedule (PDF Format)|
|1998||Blue Cross (Asia-Pacific) Insurance Ltd||3608 2966||Schedule (PDF Format)|
|2000||AIG Insurance Hong Kong Limited (formerly Chartis Insurance Hong Kong Ltd)||3666 7019||Not applicable|
AXA General Insurance Hong Kong Ltd
form and brochure (PDF format)
|2519 1281||Schedule (PDF Format)|
Hang Seng Insurance Company Ltd
brochure (PDF fromat)
|2198 7838||Schedule (PDF Format)|
|2009||Zurich Insurance Company Ltd||2903 9372||
Hyperlink to Zurich's dedicated
|2012||Assicurazioni Generali Societa per Azioni (PDF format)||3187 6880||Schedule (PDF Format)|
Bank of China Group Insurance Company Ltd
form and brochure (PDF format)
|3187 5100||Schedule (PDF Format)|
|2018||China Taiping Insurance (HK) Company Ltd||3716 1616||Schedule (PDF Format)|
Cigna Worldwide General Insurance Company Ltd
form and brochureCigna(PDF format)
|8100 6162||Schedule (PDF Format)|