Bupa MyFlexi VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00029-02-000-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,637 |
| 45 | HK$15,536 |
| 60 | HK$27,678 |
| 75 | HK$45,947 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$2,100 |
| Hospital charges | HK$25,600 |
| Doctor's visits | HK$1,800 |
| Specialist fees | HK$5,050 |
| Intensive care | HK$5,400 |
| Surgeon's fee | HK$81,000 |
| Anaesthetist | HK$28,300 |
| Operating theatre | HK$28,300 |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$123,000 |
| Outpatient before and after | HK$3,600 |
| 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, except for HIV/AIDS where manifestation within 5 years is presumed pre-existing p.23 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid; pro-rata refund for current policy year if terminated due to death or company ceasing authorization. p.4 |
| Switching from another plan | Possible to switch to another plan with upgraded benefits, but re-underwriting may apply to the upgraded benefits. p.14 |
| Room class | Not restricted for basic benefits; restricted ward class or lower for full cover benefit p.17 |
| If a higher room is used | Benefits adjusted by multiplying adjustment factors (50%, 25%, or 0%) after 20% coinsurance if a higher room class than restricted is used, unless due to unavailability or medical necessity. p.2 |
| Geographical cover | Worldwide, except for psychiatric treatment and full cover benefit p.17 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered if directly resulting from an Emergency condition outside Hong Kong, for supplementary major medical benefit. p.2 |
| Full cover on core benefits | No, benefits are subject to per-item caps; an optional 'full cover benefit' is available but also subject to its own benefit limit. p.1 |
| Annual limit | Unlimited p.57 |
| Lifetime limit | None p.57 |
| Deductible options | None p.57 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for supplementary major medical benefit p.57 |
| Pre-admission outpatient | 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure, up to $3,600 per Policy Year p.57 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge/completion of Day Case Procedure, up to $3,600 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 123,000 per Policy Year p.57 |
| Kidney dialysis | HKD 123,000 per Policy Year p.57 |
| Day case procedures | Covered as in-patient for various benefits, no specific overall limit stated beyond individual benefit limits p.17 |
| Home nursing | HKD 680 per day, maximum 120 days per Policy Year p.57 |
| Hospice care | None p.27 |
| Chinese medicine | Consultation or acupuncture by Registered Chinese Medicine Practitioner after Confinement or specific treatments, HKD 270 per visit, maximum 20 visits per Policy Year p.57 |
| Physiotherapy | Covered during Confinement and under pre- and post-Confinement/Day Case Procedure outpatient care (up to $3,600 per Policy Year) p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | None p.24 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | Second claims incentive: HKD 1,050 per day, maximum 270 days per Policy Year, if other insurance pays p.57 |
| Companion bed | HKD 850 per day, maximum 270 days per Policy Year p.57 |
| Second medical opinion | Not stated |
| Direct billing and pre-authorisation | Available via BHP Card for full cover benefit at Bupa HealthPlus Appointed Service Providers in Hong Kong, subject to pre-authorisation 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 for home use; traditional Chinese medicine treatment (except specific post-confinement/treatment consultation/acupuncture); other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, homeotherapy); expenses reimbursed by other laws, medical programs, or insurance policies. p.23 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +6.2% a year, taking the premium from HK$9,991 to HK$15,536.
| Year | Change |
|---|---|
| 2022 | +8.0% |
| 2023 | +4.0% |
| 2024 | +10.0% |
| 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 |
|---|---|---|---|
| Advance | None | Nil (no annual limit) | |
| Advance | None | Nil (no annual limit) | |
| Advance | 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.