Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-03-000-05. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$6,847 |
| 45 | HK$12,178 |
| 60 | HK$27,321 |
| 75 | HK$58,652 |
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. After cooling-off, cancellation with 30 days' notice if no benefits paid, refund not specified. p.4 |
| Switching from another plan | Switching to a higher plan level (e.g., Core Pro to Advance) is possible without re-underwriting under specific conditions; other upgrades or additions are subject to re-underwriting. p.14 |
| Room class | Semi-private for Hong Kong, Macau, Taiwan and mainland China; Standard Private for other areas in Asia, Australia and New Zealand p.50 |
| If a higher room is used | Benefits are adjusted by a factor (25% or 50%) or reduced to Standard Plan 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.43 |
| Psychiatric treatment area | Asia, Australia and New Zealand p.20 |
| Emergency treatment abroad | Covered up to Standard Plan benefit 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 | 0, 40000 p.41 |
| How the deductible applies | Per Policy Year, waived for Cancer treatment p.50 |
| Coinsurance | none p.50 |
| Pre-admission outpatient | 1 visit more than 90 days before admission, all visits within 90 days before admission, full cover p.50 |
| Post-discharge outpatient | All follow-up visits within 365 days after discharge, full cover p.50 |
| General outpatient | none |
| Psychiatric treatment | Full cover (subject to Annual Benefit Limit) p.50 |
| Diagnostic imaging coinsurance | none p.50 |
| Non-surgical cancer treatment | Full cover (subject to Annual Benefit Limit) p.50 |
| Kidney dialysis | Full cover (subject to Annual Benefit Limit) p.51 |
| Day case procedures | Covered as inpatient benefits, full cover for most items p.17 |
| Home nursing | Full cover for up to 90 days per policy year for nursing care at home within 180 days after discharge p.36 |
| Hospice care | HKD 100,000 per Policy Year p.51 |
| Chinese medicine | HKD 650 per visit, maximum 20 visits per Policy Year, after Confinement or specific treatments p.51 |
| Physiotherapy | Full cover when part of miscellaneous charges during confinement or post-discharge outpatient care p.18 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD 150,000 per Policy Year, with 12-month waiting period from Policy Effective Date p.36 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident, no specific limit stated p.24 |
| Hospital cash | HKD 1,260 per day for confinement if expenses are paid by another insurer p.47 |
| Companion bed | Full cover for one companion bed during confinement, excluding meals p.36 |
| Direct billing and pre-authorisation | Pre-approval available for rehabilitation and organ transplant surgery; claimable amount estimate available p.16 |
| No-claim discount | none |
| 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$8,601 to HK$12,178.
| 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 (HKD40,000 Deductible) | Semi-private | HK$40,000 | HKD 25,000,000 per Policy Year |
| Advance (HKD40,000 Deductible) | Semi-private | HK$40,000 | HKD 25,000,000 per Policy Year |
| Advance (HKD40,000 Deductible) | Semi-private | HK$40,000 | 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.