Bupa Global Prestige VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00035-02-000-05. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$35,301 |
| 45 | HK$47,626 |
| 60 | HK$90,303 |
| 75 | HK$90,303 |
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 | HK$40,000,000 |
| Lifetime limit | None |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | Paid in full |
Also includes outpatient general, maternity, chinese medicine, health check, a companion bed, rehabilitation, hospice care, kidney dialysis, the deductible waived for critical conditions.
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 | lifetime p.13 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.21 |
| Waiting period | 12 months for pregnancy complications p.38 |
| Cancellation and refund | Full refund during 21-day cooling-off period; pro-rata refund if terminated due to death or company ceasing authorization 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, no re-underwriting) p.14 |
| Room class | Standard Private Room p.55 |
| If a higher room is used | Benefits are multiplied by an adjustment factor based on the ratio of Standard Private Room rate to the higher room rate p.49 |
| Geographical cover | Worldwide p.17 |
| Psychiatric treatment area | Worldwide p.17 |
| Emergency treatment abroad | Covered worldwide p.17 |
| Full cover on core benefits | yes p.55 |
| Annual limit | 40,000,000 p.55 |
| Lifetime limit | none p.55 |
| Deductible options | 12,000 p.55 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.48 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 90 days before admission, and all prior outpatient visits or emergency consultations within 90 days before admission p.56 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 365 days after discharge p.56 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.56 |
| Diagnostic imaging coinsurance | none p.56 |
| Non-surgical cancer treatment | Full cover p.56 |
| Kidney dialysis | Full cover for Day Patient kidney dialysis p.56 |
| Day case procedures | Covered as in-patient for various benefits, full cover p.19 |
| Home nursing | Full cover for up to 90 days per policy year, at home within 180 days after discharge p.36 |
| Hospice care | 160,000 per Policy Year p.56 |
| Chinese medicine | 880 per visit, maximum 20 visits per policy year, after confinement or specific treatments p.56 |
| Physiotherapy | Full cover during confinement and as part of post-discharge outpatient care within 365 days p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | 250,000 per Policy Year, with a 12-month waiting period p.56 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| Companion bed | Full cover for one companion bed during confinement p.37 |
| Exclusions beyond the VHIS standard list | Treatments not Medically Necessary; Venereal and sexually transmitted disease; Purchase of durable medical equipment; Traditional Chinese medicine treatment p.23 |
At a constant age of 45, Bupa has filed 4 schedule changes on this plan since 2021, an average of +2.2% a year, taking the premium from HK$40,863 to HK$47,626.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +5.0% |
| 2024 | no change |
| 2025 | no change |
| 2026 | +11.0% |
A record of what has been filed, not a forecast of what you will pay.
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.