Bupa Global Prestige VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00035-07-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$26,122 |
| 45 | HK$48,117 |
| 60 | HK$77,939 |
| 75 | HK$145,761 |
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; no refund after cooling-off if benefits paid, otherwise cancellation with 30 days notice p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible but may involve re-underwriting for the upgraded benefits p.14 |
| Room class | Standard Private Room p.55 |
| If a higher room is used | Benefits reduced by an adjustment factor based on the ratio of Standard Private Room daily charge to actual higher room daily charge p.49 |
| Geographical cover | Worldwide p.17 |
| Psychiatric treatment area | Worldwide p.17 |
| Emergency treatment abroad | Covered worldwide without reduction p.50 |
| Full cover on core benefits | yes p.55 |
| Annual limit | 40,000,000 HKD p.55 |
| Lifetime limit | none p.17 |
| Deductible options | 0, 40000 p.51 |
| 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.55 |
| 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.55 |
| 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 p.56 |
| Day case procedures | Covered as in-patient, full cover p.55 |
| Home nursing | Full cover, maximum 90 days per Policy Year p.56 |
| Hospice care | 160,000 HKD per Policy Year p.56 |
| Chinese medicine | 880 HKD 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.55 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | 300,000 HKD per Policy Year, subject to conception after 12 months of Policy Effective Date 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 required for rehabilitation and organ transplant surgery p.42 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Alternative treatments including hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy 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$43,349 to HK$48,117.
| 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.