Bupa MyFlexi VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00029-01-001-06. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,561 |
| 45 | HK$13,034 |
| 60 | HK$23,893 |
| 75 | HK$49,510 |
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 during 21-day cooling-off period; after cooling-off, cancellation with 30 days notice if no benefit paid in policy year p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is possible, subject to re-underwriting for the upgraded/additional benefits p.14 |
| Room class | Ward Room p.58 |
| If a higher room is used | Benefits under supplementary major medical benefit are adjusted by an adjustment factor (50% for Semi-private, 25% for Standard Private, 0% for above Standard Private) after 20% coinsurance p.38 |
| Geographical cover | Worldwide, except for Push the Limit Benefit which is Hong Kong only for non-emergency treatment p.17 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered worldwide p.17 |
| Full cover on core benefits | Partial, full cover (no itemised sublimit) up to HKD 272,500 per policy year for specific benefits and providers p.58 |
| Annual limit | unlimited p.58 |
| Lifetime limit | none p.17 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none |
| Pre-admission outpatient | 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure, up to HKD 3,200 per policy year p.57 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge or Day Case Procedure, up to HKD 3,200 per policy year p.57 |
| General outpatient | none p.69 |
| 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 for various benefits, no specific overall limit stated for day case procedures themselves, but individual benefit limits apply p.17 |
| Home nursing | HKD 410 per day, maximum 120 days per policy year, for nursing care at home within 180 days after discharge p.43 |
| Hospice care | none p.27 |
| Chinese medicine | HKD 225 per visit, maximum 20 visits per policy year, for consultation, acupuncture, and prescribed medicines after confinement or specific treatments p.44 |
| Physiotherapy | Covered during confinement under miscellaneous charges, and post-discharge under pre- and post-confinement outpatient care (up to HKD 3,200 per policy year) p.18 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.23 |
| Hospital cash | none p.58 |
| Companion bed | HKD 450 per day, maximum 270 days per policy year, for one companion bed during confinement p.43 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | BHP Card for cashless settlement at Bupa HealthPlus Appointed Service Providers in Hong Kong, subject to pre-authorisation p.41 |
| No-claim discount | 5% for 2-3 no-claim years, 10% for 4-5 no-claim years, 15% for 6+ no-claim years p.49 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; purchase of durable medical equipment or appliances for home use; traditional Chinese medicine treatment (herbal, bone-setting, acupressure, tui na) and other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy), except for specific post-confinement/treatment consultations/acupuncture p.23 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +6.0% a year, taking the premium from HK$8,475 to HK$13,034.
| Year | Change |
|---|---|
| 2022 | +8.2% |
| 2023 | +4.0% |
| 2024 | +10.0% |
| 2025 | +13.8% |
| 2026 | +9.2% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Standard Plus | Ward | None | Nil (no annual limit) |
| Standard Plus | Ward | None | Nil (no annual limit) |
| Standard Plus | Ward | 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.