Bupa Global Prestige VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00035-05-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$52,516 |
| 45 | HK$84,706 |
| 60 | HK$144,041 |
| 75 | HK$269,386 |
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.
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 during 21-day cooling-off period. After cooling-off, cancellation with 30 days notice is possible if no benefits paid in the policy year. p.4 |
| Switching from another plan | Switching to a plan with upgraded benefits is subject to re-underwriting for the upgraded benefits. Switching to a plan with downgraded benefits is at the company's discretion without 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 charge to the actual higher room charge. p.13 |
| Geographical cover | Worldwide p.17 |
| Psychiatric treatment area | Worldwide p.17 |
| Emergency treatment abroad | Covered worldwide, no restriction for emergency treatment in the United States. 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 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.12 |
| Coinsurance | none p.55 |
| 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.55 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 365 days after discharge from hospital or completion of day case procedure. p.55 |
| General outpatient | none |
| 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 haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure. p.55 |
| Day case procedures | Covered as in-patient, full cover for various items. p.55 |
| Home nursing | Full cover for private nursing at residential home within 180 days after discharge, maximum 90 days per policy year. p.55 |
| Hospice care | HKD 160,000 per Policy Year for institutional palliative care. p.55 |
| Chinese medicine | HKD 880 per visit, maximum 20 visits per policy year, for consultation, acupuncture, and prescribed Chinese medicines after confinement or specific treatments. p.55 |
| Physiotherapy | Full cover during confinement and for follow-up outpatient visits within 365 days after discharge. p.55 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD 300,000 per Policy Year for specified complications requiring surgery, with a 12-month waiting period from conception. p.55 |
| 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, excluding meals. p.55 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); sexual dysfunction; purchase of durable medical equipment or appliances; traditional Chinese medicine (except specific treatments) and other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, homeopathy). p.23 |
At a constant age of 45, Bupa has filed 1 schedule change on this plan since 2021, an average of +6.4% a year, taking the premium from HK$76,312 to HK$84,706.
| Year | 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.