Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-01-000-05. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$15,670 |
| 45 | HK$26,065 |
| 60 | HK$55,234 |
| 75 | HK$105,267 |
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 | Semi-private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$25,000,000 |
| 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, 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.36 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made. After cooling-off, cancellation requires 30 days' notice, no refund if benefit paid in policy year. p.4 |
| Switching from another plan | One-off right to upgrade plan level to Core Pro or Advance without re-underwriting under specific conditions p.41 |
| Room class | Semi-private Room for Hong Kong, Macau, Taiwan and mainland China; Standard Private Room for other areas in Asia, Australia and New Zealand p.50 |
| If a higher room is used | If a higher room class is used, benefits are subject to an adjustment factor (25% or 50%) or reduced to Standard Plan benefit limits, depending on the room class difference. p.44 |
| Geographical cover | Asia, Australia and New Zealand (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.50 |
| Psychiatric treatment area | Asia, Australia and New Zealand p.20 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits, without enhanced benefits p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 25000000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 0 p.50 |
| 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, 85 p.26 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 90 days before admission, and all prior visits within 90 days before admission p.50 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 365 days after discharge or completion of Day Case Procedure p.50 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.50 |
| Diagnostic imaging coinsurance | none p.50 |
| Non-surgical cancer treatment | Full cover p.50 |
| Kidney dialysis | Full cover for Day Patient kidney dialysis p.50 |
| Day case procedures | Covered as in-patient, full cover for eligible expenses p.17 |
| Home nursing | Full cover for private nursing at home within 180 days after discharge, maximum 90 days per policy year p.36 |
| Hospice care | Covered up to HKD 100,000 per policy year for institutional palliative care, including accommodation, meals, nursing, medication, and support care p.37 |
| Chinese medicine | HKD 650 per visit, maximum 20 visits per policy year, for consultation, acupuncture, and prescribed Chinese medicines after confinement or specific treatments p.37 |
| Physiotherapy | Covered during confinement and as part of post-discharge outpatient care (within 365 days after discharge), full cover p.18 |
| Congenital conditions | Covered if manifested or diagnosed after age 8, and unknown at application p.24 |
| Pregnancy complications | HKD 150,000 per policy year for specified pregnancy complications requiring surgery, subject to a 12-month waiting period from policy effective date p.36 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident; follow-up treatment not covered p.24 |
| Hospital cash | HKD 1,260 per day if eligible expenses for confinement are partly or fully paid by another insurer p.47 |
| Companion bed | Full cover for the cost of one companion bed during confinement, meals not included p.36 |
| Direct billing and pre-authorisation | Pre-approval required for organ transplant surgery and rehabilitation p.36 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; General traditional Chinese medicine treatment and other alternative treatments p.23 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +6.9% a year, taking the premium from HK$16,661 to HK$26,065.
| Year | Change |
|---|---|
| 2022 | +4.7% |
| 2023 | +5.1% |
| 2024 | +8.0% |
| 2025 | +17.5% |
| 2026 | +12.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Advance (HKD0 Deductible) | Semi-private | None | HKD 25,000,000 per Policy Year |
| Advance (HKD0 Deductible) | Semi-private | None | HKD 25,000,000 per Policy Year |
| Advance (HKD0 Deductible) | Semi-private | None | HKD 25,000,000 per Policy Year |
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.