Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-06-000-05. It entitles the insured to a private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$12,358 |
| 45 | HK$23,796 |
| 60 | HK$47,478 |
| 75 | HK$95,787 |
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, 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, provided no benefit payment has been made p.4 |
| Switching from another plan | Switching to a plan with upgraded or additional benefits is subject to re-underwriting; specific plan upgrades are allowed once without re-underwriting under certain conditions p.14 |
| Room class | Standard Private Room p.50 |
| If a higher room is used | If confined in a higher room class, benefits are adjusted by a factor (e.g., 50% for Semi-Private to Ward, 25% for Standard Private to Ward, 50% for Standard Private to Semi-Private) or limited to Standard Plan Terms and Benefits for rooms above Standard Private. 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 | Full cover, but limited to Hong Kong if Standard Plan Terms and Benefits apply due to voluntary ward class upgrade p.20 |
| Emergency treatment abroad | Covered for basic benefits at Standard Plan limits, no cover for enhanced benefits p.51 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 35,000,000 p.50 |
| Lifetime limit | none p.50 |
| Deductible options | 12000 p.50 |
| How the deductible applies | Per Policy Year, waived for cancer treatment p.50 |
| 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 outpatient visits or emergency 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 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 p.50 |
| Day case procedures | Covered as in-patient, full cover for room and board, miscellaneous charges, surgeon's fee, etc. p.17 |
| Home nursing | Full cover for private nursing at home within 180 days after discharge, maximum 90 days per Policy Year p.50 |
| Hospice care | HKD 120,000 per Policy Year p.50 |
| Chinese medicine | HKD 750 per visit, maximum 20 visits per Policy Year, after Confinement or specific treatments p.50 |
| Physiotherapy | Covered during Confinement and for follow-up outpatient visits within 365 days after discharge/Day Case Procedure p.18 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD 180,000 per Policy Year, for complications from conception after 12 months from Policy Effective Date p.50 |
| Emergency dental | Covered for emergency treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD 2,400 per day for confinement if expenses are fully or partly paid by another insurance company p.50 |
| Companion bed | Full cover for one companion bed during Confinement, excluding meals p.50 |
| 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 | venereal and sexually transmitted disease; Hair Mineral Analysis (HMA); purchase of durable medical equipment; traditional Chinese medicine/alternative treatments (except specific post-confinement/treatment consultations/acupuncture) p.23 |
At a constant age of 45, Bupa has filed 5 schedule changes on this plan since 2021, an average of +6.8% a year, taking the premium from HK$15,296 to HK$23,796.
| Year | Change |
|---|---|
| 2022 | +4.7% |
| 2023 | +5.1% |
| 2024 | +8.8% |
| 2025 | +16.5% |
| 2026 | +11.5% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Deluxe (HKD12,000 Deductible) | Private | HK$12,000 | HKD 35,000,000 per Policy Year |
| Deluxe (HKD12,000 Deductible) | Private | HK$12,000 | HKD 35,000,000 per Policy Year |
| Deluxe (HKD12,000 Deductible) | Private | HK$12,000 | 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.