Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-05-000-05. It entitles the insured to a private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$20,570 |
| 45 | HK$30,857 |
| 60 | HK$67,043 |
| 75 | HK$134,266 |
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 | asia |
| Annual limit | HK$35,000,000 |
| 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.
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 within 21-day cooling-off period if no benefits paid; no refund after cooling-off if benefits paid; pro-rata refund for current policy year upon death or company ceasing authorization p.4 |
| Switching from another plan | One-off right to upgrade plan level within Bupa Hero VHIS Plan family without re-underwriting under specific conditions p.41 |
| Room class | Standard Private Room p.50 |
| If a higher room is used | If a higher room class is used, benefits are adjusted by a factor (50% or 25%) or reduced to Standard Plan limits, depending on the room class difference p.44 |
| Geographical cover | Asia, Australia and New Zealand (including mainland China, Hong Kong, Japan, Singapore, South Korea, Taiwan, Vietnam, etc.) p.43 |
| Psychiatric treatment area | Asia, Australia and New Zealand; restricted to Hong Kong if Standard Plan Terms and Benefits apply due to voluntary 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 | 35000000 p.50 |
| Lifetime limit | none p.17 |
| 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 or 85 p.41 |
| Coinsurance | none p.22 |
| 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 | Medical check-up benefit up to HKD 4,800 per Policy Year p.50 |
| 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 | HKD 120,000 per Policy Year for institutional palliative care p.37 |
| Chinese medicine | HKD 750 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 medically necessary confinement under miscellaneous charges (full cover) p.18 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD 180,000 per Policy Year for surgical procedures due to specified complications, if conception occurred after first 12 months of policy p.36 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.17 |
| Hospital cash | HKD 2,400 per day if eligible expenses are fully or partly paid by another insurance company p.47 |
| Companion bed | Full cover for one companion bed during confinement, excluding meals p.36 |
| Exclusions beyond the VHIS standard list | Treatments not Medically Necessary; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments (except specified) 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$19,747 to HK$30,857.
| Year | Change |
|---|---|
| 2022 | +4.7% |
| 2023 | +5.1% |
| 2024 | +8.8% |
| 2025 | +16.5% |
| 2026 | +12.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Deluxe (HKD0 Deductible) | Private | None | HKD 35,000,000 per Policy Year |
| Deluxe (HKD0 Deductible) | Private | None | HKD 35,000,000 per Policy Year |
| Deluxe (HKD0 Deductible) | Private | None | HKD 35,000,000 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.