Bupa MyFlexi VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00029-02-001-06. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,973 |
| 45 | HK$22,697 |
| 60 | HK$41,875 |
| 75 | HK$82,577 |
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 |
| Cancellation and refund | Full refund within 21-day cooling-off period; after cooling-off, cancellation with 30 days notice if no benefit payment in current policy year p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (Company discretion to accept/reject) p.14 |
| Room class | Semi-private Room p.57 |
| If a higher room is used | Benefits adjusted by multiplying adjustment factors (50%, 25%, or 0%) after 20% coinsurance if a higher room class is used p.2 |
| Geographical cover | Worldwide, except for Push the Limit benefits which are Hong Kong only p.17 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered worldwide under basic benefits; under supplementary major medical benefit if directly resulting from an Emergency condition outside Hong Kong p.17 |
| Full cover on core benefits | partial, for benefit items (a)-(j) of basic benefits up to HKD 536,700 per policy year, subject to conditions including use of appointed hospitals/providers and restricted ward class p.57 |
| Annual limit | unlimited p.57 |
| Lifetime limit | none p.57 |
| How the deductible applies | Per Policy Year p.26 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary Major Medical Benefit p.57 |
| Pre-admission outpatient | 2 visits or emergency consultations per confinement/day case procedure, up to HKD 3,600 per policy year p.57 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge/day case procedure, up to HKD 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 | Covered up to HKD 123,000 per Policy Year for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.7 |
| Day case procedures | Covered as day patient under various benefit items (e.g., room and board, miscellaneous charges, surgeon's fee) p.17 |
| Home nursing | HKD 680 per day, maximum 120 days per policy year, for nursing care at home within 180 days after hospital discharge p.7 |
| Hospice care | none p.27 |
| Chinese medicine | HKD 270 per visit, maximum 20 visits per policy year, for consultation, acupuncture, and prescribed Chinese medicines after confinement or specific treatments p.8 |
| Physiotherapy | Covered as miscellaneous charges during confinement and under pre/post-confinement outpatient care p.18 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | Excluded p.24 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD 1,050 per day, maximum 270 days per policy year, if expenses are fully or partly paid by another insurance company p.9 |
| Companion bed | HKD 850 per day, maximum 270 days per policy year, for one companion bed during confinement p.7 |
| Direct billing and pre-authorisation | Available via BHP Card and pre-authorisation for Push the Limit benefits at Bupa HealthPlus Appointed Service Providers in Hong Kong p.41 |
| 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 | Hair Mineral Analysis (HMA); hospice or palliative care centre excluded from Hospital definition p.23 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +5.8% a year, taking the premium from HK$14,930 to HK$22,697.
| Year | Change |
|---|---|
| 2022 | +8.7% |
| 2023 | +3.3% |
| 2024 | +9.0% |
| 2025 | +13.8% |
| 2026 | +9.1% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Advance Plus | Semi-private | None | Nil (no annual limit) |
| Advance Plus | Semi-private | None | Nil (no annual limit) |
| Advance Plus | Semi-private | 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.