Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-02-000-05. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$9,288 |
| 45 | HK$15,586 |
| 60 | HK$31,156 |
| 75 | HK$69,370 |
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, 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.36 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim; after cooling-off, 30 days written notice, no refund if claim made in policy year; pro-rata refund for death or company ceasing authorization p.4 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting; one-off right to upgrade plan level without re-underwriting under specific conditions p.14 |
| Room class | Semi-private for HK, Macau, Taiwan, mainland China; Standard Private for other Asia, Australia, NZ p.50 |
| If a higher room is used | 50% adjustment factor for one class higher (e.g. Ward to Semi-Private); 25% for Ward to Standard Private; Standard Plan limits for two or more classes higher p.44 |
| Geographical cover | Asia, Australia and New Zealand (specific list provided) p.50 |
| Psychiatric treatment area | Asia, Australia and New Zealand p.20 |
| Emergency treatment abroad | Covered up to Standard Plan limits, no enhanced benefits p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 25000000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 12000 p.50 |
| 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.41 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit/emergency consultation >90 days before admission, and all prior visits/consultations within 90 days before admission p.50 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 365 days after discharge or Day Case Procedure p.50 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.51 |
| Diagnostic imaging coinsurance | none p.50 |
| Non-surgical cancer treatment | Full cover p.50 |
| Kidney dialysis | Full cover p.51 |
| Day case procedures | Covered as in-patient for relevant benefits p.17 |
| Home nursing | Full cover for up to 90 days per policy year, within 180 days after discharge p.36 |
| Hospice care | 100000 per Policy Year p.51 |
| Chinese medicine | 650 per visit, max 20 visits per Policy Year, after confinement or specific treatments p.51 |
| Physiotherapy | Full cover during confinement and for follow-up outpatient visits within 365 days after discharge p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | 150000 per Policy Year, for complications from conception after 12 months of policy effective date p.36 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | 1260 per day if expenses are partly paid by another insurance company p.51 |
| Companion bed | Full cover for one companion bed during confinement, excluding meals p.36 |
| Direct billing and pre-authorisation | Pre-authorisation/estimate available p.16 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.23 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +5.3% a year, taking the premium from HK$11,009 to HK$15,586.
| Year | Change |
|---|---|
| 2022 | +4.7% |
| 2023 | +5.1% |
| 2024 | +8.0% |
| 2025 | +10.8% |
| 2026 | +7.5% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Advance (HKD12,000 Deductible) | Semi-private | HK$12,000 | HKD 25,000,000 per Policy Year |
| Advance (HKD12,000 Deductible) | Semi-private | HK$12,000 | HKD 25,000,000 per Policy Year |
| Advance (HKD12,000 Deductible) | Semi-private | HK$12,000 | 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.