Bupa Global Prestige VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00035-04-000-05. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$25,983 |
| 45 | HK$37,706 |
| 60 | HK$62,294 |
| 75 | HK$62,294 |
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 within 21-day cooling-off period; no refund after cooling-off period if benefits paid p.4 |
| Switching from another plan | Switching to a plan with upgraded benefits requires re-underwriting for the upgraded benefits; switching to a plan with downgraded benefits does not require re-underwriting but is subject to company discretion p.14 |
| Room class | Standard Private Room p.55 |
| If a higher room is used | Benefits multiplied by (Highest daily room charge of Standard Private Room / Actual daily room charge of higher class room) x 100% p.49 |
| Geographical cover | Worldwide, with restrictions for non-emergency treatment in the United States and organ transplant surgery outside Hong Kong p.17 |
| Psychiatric treatment area | Worldwide p.17 |
| Emergency treatment abroad | Covered worldwide, full cover p.17 |
| Full cover on core benefits | yes p.55 |
| Annual limit | 40,000,000 p.55 |
| Lifetime limit | none p.55 |
| Deductible options | 0, 80000 p.51 |
| How the deductible applies | Per Policy Year, waived for cancer treatment, one-off reduction/removal option at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit more than 90 days before admission, and all prior outpatient visits within 90 days before admission p.55 |
| 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.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 associated benefits p.18 |
| Home nursing | Full cover for private nursing at home within 180 days after discharge, maximum 90 days per policy year p.36 |
| 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 during confinement and for follow-up outpatient visits within 365 days after discharge p.18 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD 250,000 per Policy Year, for complications from conception after first 12 months of policy p.38 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| Hospital cash | none |
| Companion bed | Full cover for one companion bed, excluding meals p.37 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-approval required for rehabilitation and organ transplant surgery outside Hong Kong p.38 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Sterilisation, sex reassignment, sexual dysfunction; Purchase of durable medical equipment or appliances; Herbal treatment, bone-setting, acupressure, tui na, hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy; Expenses reimbursed by other laws, medical programs or insurance policies 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$32,351 to HK$37,706.
| 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.