Bupa MyFlexi VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00029-01-000-06. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,670 |
| 45 | HK$9,158 |
| 60 | HK$16,546 |
| 75 | HK$29,324 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$1,000 |
| Hospital charges | HK$16,400 |
| Doctor's visits | HK$1,000 |
| Specialist fees | HK$4,600 |
| Intensive care | HK$4,000 |
| Surgeon's fee | HK$58,600 |
| Anaesthetist | HK$20,500 |
| Operating theatre | HK$20,500 |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$83,000 |
| Outpatient before and after | HK$3,200 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, chinese medicine, a companion bed, kidney dialysis.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.13 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.21 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period if no benefit payment has been made p.4 |
| Switching from another plan | possible to switch to another plan; re-underwriting for upgrades, no re-underwriting for downgrades p.14 |
| Room class | not restricted p.17 |
| If a higher room is used | Benefits are adjusted by multiplying adjustment factors (50% or 25% or 0%) after 20% coinsurance, depending on the room class difference. p.2 |
| Geographical cover | worldwide p.17 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | covered as part of worldwide cover p.17 |
| Full cover on core benefits | no p.57 |
| Annual limit | unlimited p.58 |
| Lifetime limit | none p.17 |
| Deductible options | none |
| Coinsurance | none (except 30% for Prescribed Diagnostic Imaging Tests) p.57 |
| Pre-admission outpatient | 2 visits per confinement/day case procedure, HKD 3,200 per Policy Year p.57 |
| Post-discharge outpatient | All related follow-up visits within 90 days after discharge/day case procedure, HKD 3,200 per Policy Year p.57 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.57 |
| Diagnostic imaging coinsurance | 30% p.57 |
| Non-surgical cancer treatment | HKD 83,000 per Policy Year p.57 |
| Kidney dialysis | HKD 83,000 per Policy Year p.58 |
| Day case procedures | covered as in-patient under relevant benefit items p.17 |
| Home nursing | HKD 410 per day, maximum 120 days per Policy Year, for nursing at home within 180 days after hospital discharge p.58 |
| Hospice care | none p.27 |
| Chinese medicine | HKD 225 per visit, maximum 20 visits per Policy Year, for consultation or acupuncture after confinement or specific treatments p.58 |
| Physiotherapy | covered during confinement under miscellaneous charges and for follow-up outpatient visits post-confinement/day case procedure p.18 |
| Congenital conditions | covered if unknown at application, or if manifested/diagnosed after age 8 p.21 |
| Pregnancy complications | none p.24 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| Hospital cash | HKD 500 per day, maximum 270 days per Policy Year, if expenses are partly paid by another insurer p.58 |
| Companion bed | HKD 450 per day, maximum 270 days per Policy Year p.58 |
| Direct billing and pre-authorisation | BHP Card and pre-authorisation for Bupa HealthPlus Appointed Service Providers in Hong Kong for full cover benefit p.4 |
| No-claim discount | 5% for 2-3 years, 10% for 4-5 years, 15% for 6+ years of no claims p.13 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; hypnotism; qigong; massage therapy; aromatherapy; naturopathy; hydropathy; homeotherapy p.24 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +6.3% a year, taking the premium from HK$5,845 to HK$9,158.
| Year | Change |
|---|---|
| 2022 | +8.0% |
| 2023 | +4.0% |
| 2024 | +10.8% |
| 2025 | +13.8% |
| 2026 | +10.6% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Standard | None | Nil (no annual limit) | |
| Standard | None | Nil (no annual limit) | |
| Standard | None | Nil (no annual limit) |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.