Bupa MyFlexi VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00029-03-001-06. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$20,159 |
| 45 | HK$37,656 |
| 60 | HK$74,713 |
| 75 | HK$186,975 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$45,600 |
| Doctor's visits | HK$3,900 |
| Specialist fees | HK$13,400 |
| Intensive care | HK$8,000 |
| Surgeon's fee | HK$126,000 |
| Anaesthetist | HK$43,200 |
| Operating theatre | HK$43,200 |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$158,000 |
| Outpatient before and after | HK$6,000 |
| 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 claim; no refund after cooling-off if cancelled by policyholder and no claim paid; pro-rata refund upon death or company ceasing authorization p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits, subject to re-underwriting for the upgraded/additional benefits p.14 |
| Room class | Standard Private Room p.57 |
| If a higher room is used | Benefits are adjusted by multiplying adjustment factors (e.g., 0% for above Standard Private Room, 50% for Semi-private if restricted to Ward Room) p.2 |
| Geographical cover | worldwide p.17 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered under supplementary major medical if directly resulting from an Emergency condition outside Hong Kong p.2 |
| Full cover on core benefits | yes p.57 |
| Annual limit | unlimited p.57 |
| Lifetime limit | none p.17 |
| Deductible options | none |
| How the deductible applies | per Policy Year p.26 |
| Coinsurance | 20% for supplementary major medical benefit; 30% for Prescribed Diagnostic Imaging Tests p.2 |
| Pre-admission outpatient | 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure, up to $6,000 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 $6,000 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 158,000 per Policy Year p.57 |
| Kidney dialysis | HKD 158,000 per Policy Year p.57 |
| Day case procedures | Covered as in-patient, no specific limit stated beyond overall annual limit p.17 |
| Home nursing | HKD 1,020 per day, maximum 120 days per Policy Year p.57 |
| Hospice care | none p.27 |
| Chinese medicine | HKD 360 per visit, maximum 20 visits per Policy Year, for consultation or acupuncture after Confinement or specific treatments p.24 |
| Physiotherapy | Covered during Confinement and as part of post-discharge outpatient care p.18 |
| Congenital conditions | Excluded if manifested or diagnosed before 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 | HKD 2,000 per day (maximum 270 days per Policy Year) if expenses are fully or partly paid by another insurer p.57 |
| Companion bed | HKD 1,880 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 Bupa HealthPlus Appointed Service Providers in Hong Kong, subject to pre-authorisation p.4 |
| No-claim discount | 5% for 2-3 years no claim, 10% for 4-5 years no claim, 15% for 6+ years no claim p.13 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances p.23 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +4.5% a year, taking the premium from HK$27,120 to HK$37,656.
| Year | Change |
|---|---|
| 2022 | +1.6% |
| 2023 | +2.8% |
| 2024 | +7.3% |
| 2025 | +13.8% |
| 2026 | +8.9% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Deluxe Plus | Private | None | Nil (no annual limit) |
| Deluxe Plus | Private | None | Nil (no annual limit) |
| Deluxe Plus | 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.