Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-04-000-05. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,500 |
| 45 | HK$8,891 |
| 60 | HK$21,328 |
| 75 | HK$45,259 |
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 policy effective date p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period p.4 |
| Switching from another plan | Downgrading or upgrading plan level without re-underwriting under specific conditions p.41 |
| Room class | Semi-private (Hong Kong, Macau, Taiwan, mainland China); Standard Private (other Asia, Australia, New Zealand) p.50 |
| If a higher room is used | Benefits reduced by 25% or 50% adjustment factor, or limited to Standard Plan benefits, 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 (Hong Kong only if Standard Plan terms apply due to ward class upgrade) 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 | 80000 p.50 |
| How the deductible applies | Per Policy Year, one-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, 80 or 85 p.41 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | 1 visit more than 90 days before admission, all visits within 90 days before admission p.50 |
| Post-discharge outpatient | All follow-up visits within 365 days after discharge or Day Case Procedure completion 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 p.51 |
| Day case procedures | Covered as in-patient, full cover p.17 |
| Home nursing | Full cover, maximum 90 days per Policy Year, 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 p.51 |
| Physiotherapy | Covered during confinement and as post-discharge outpatient care (full cover) p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD 150,000 per Policy Year, for conception after first 12 months of policy p.51 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| Hospital cash | HKD 1,260 per day if expenses are paid by another insurer p.51 |
| Companion bed | Full cover p.51 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available p.16 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances (e.g. wheelchairs, oxygen devices, spectacles); traditional Chinese medicine treatment (except covered benefit) 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 +5.3% a year, taking the premium from HK$6,280 to HK$8,891.
| 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 (HKD80,000 Deductible) | Semi-private | HK$80,000 | HKD 25,000,000 per Policy Year |
| Advance (HKD80,000 Deductible) | Semi-private | HK$80,000 | HKD 25,000,000 per Policy Year |
| Advance (HKD80,000 Deductible) | Semi-private | HK$80,000 | 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.