Bupa Global Prestige VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00035-08-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$24,554 |
| 45 | HK$43,550 |
| 60 | HK$71,950 |
| 75 | HK$134,561 |
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 | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid p.4 |
| Switching from another plan | Switching to upgrade benefits is subject to re-underwriting for upgraded benefits; switching to downgrade 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 multiplied by (Highest daily room charge of Standard Private Room / Actual daily room charge of higher class room) p.48 |
| Geographical cover | worldwide p.17 |
| Psychiatric treatment area | worldwide p.17 |
| Emergency treatment abroad | covered worldwide, not subject to US restriction p.17 |
| Full cover on core benefits | yes p.55 |
| Annual limit | 40000000 p.55 |
| Lifetime limit | none p.55 |
| Deductible options | 0, 80000 p.51 |
| How the deductible applies | Per Policy Year, one-off right to reduce or remove deductible at ages 50, 55, 60, 65, 70, 75, 80, 85 p.47 |
| 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 or completion of Day Case Procedure p.55 |
| General outpatient | Emergency outpatient treatment for accidents: full cover. Medical check-up: up to HKD 4,800 per policy year. 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.55 |
| Day case procedures | Covered as in-patient for various benefits p.18 |
| Home nursing | Full cover for up to 90 days per policy year, if received at home within 180 days after discharge p.55 |
| Hospice care | HKD 160,000 per Policy Year p.55 |
| Chinese medicine | HKD 880 per visit, maximum 20 visits per policy year, for consultation or acupuncture after confinement or specific treatments p.55 |
| Physiotherapy | Full cover during confinement and for follow-up outpatient visits within 365 days after discharge or Day Case Procedure p.55 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD 300,000 per policy year, for complications from conception after first 12 months of policy p.55 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.23 |
| Hospital cash | none |
| Companion bed | Full cover p.55 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-approval available for organ transplant surgery outside Hong Kong p.40 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); sexual dysfunction; purchase of durable medical equipment or appliances; hypnotism, qigong, massage therapy, aromatherapy, naturopathy, 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$39,234 to HK$43,550.
| 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.