Bupa Global Prestige VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00035-03-000-05. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$29,024 |
| 45 | HK$41,661 |
| 60 | HK$67,479 |
| 75 | HK$67,479 |
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.2 |
| Cancellation and refund | Full refund within 21-day cooling-off period; pro-rata refund upon death of Insured Person or Company ceasing authorization p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting; switching to a plan with downgraded benefits is at Company's discretion without re-underwriting p.14 |
| Room class | Standard Private Room p.55 |
| If a higher room is used | Benefits reduced by an adjustment factor based on room charge difference p.12 |
| 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 | 40000000 p.55 |
| Lifetime limit | none p.55 |
| Deductible options | 0, 40000 p.55 |
| How the deductible applies | Per Policy Year, with one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, 85 p.55 |
| Coinsurance | none p.55 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 90 days before admission/day case procedure, and 1 visit more than 90 days before p.55 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 365 days after discharge/day case procedure p.55 |
| General outpatient | none p.55 |
| Psychiatric treatment | Full cover p.55 |
| Diagnostic imaging coinsurance | none p.55 |
| Non-surgical cancer treatment | Full cover p.55 |
| Kidney dialysis | Full cover for Day Patient kidney dialysis p.56 |
| Day case procedures | Covered as in-patient, full cover for related benefits p.18 |
| Home nursing | Full cover, maximum 90 days per Policy Year p.56 |
| Hospice care | HKD 160,000 per Policy Year p.56 |
| Chinese medicine | HKD 880 per visit, maximum 20 visits per Policy Year for consultation or acupuncture after confinement or specific treatments p.56 |
| Physiotherapy | Full cover if during confinement or as follow-up outpatient care within 365 days after discharge/day case procedure p.18 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.24 |
| Pregnancy complications | HKD 250,000 per Policy Year, subject to 12-month waiting period for conception p.56 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.23 |
| Companion bed | Full cover p.56 |
| Direct billing and pre-authorisation | Pre-approval available for organ transplant surgery and rehabilitation p.5 |
| Exclusions beyond the VHIS standard list | Treatments not Medically Necessary; Drug/alcohol dependence/overdose; Venereal/sexually transmitted disease; Purchase of durable medical equipment for home use p.23 |
At a constant age of 45, Bupa has filed 3 schedule changes on this plan since 2021, an average of +2.2% a year, taking the premium from HK$35,745 to HK$41,661.
| 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.