Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-07-000-05. It entitles the insured to a private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$9,951 |
| 45 | HK$18,554 |
| 60 | HK$41,051 |
| 75 | HK$79,673 |
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 | none |
| Cancellation and refund | Full refund within 21-day cooling-off period from delivery of terms/schedule or cooling-off notice, whichever is earlier. p.4 |
| Switching from another plan | One-off right to upgrade plan level (e.g., Core to Core Pro, Core Pro to Advance) without re-underwriting under specific conditions. p.14 |
| Room class | Standard Private Room p.50 |
| If a higher room is used | If confined in a Semi-Private Room, benefits are multiplied by a 50% adjustment factor. If confined in a room above Standard Private Room, Standard Plan Terms and Benefits apply. p.44 |
| Geographical cover | Asia, Australia and New Zealand p.50 |
| Psychiatric treatment area | Asia, Australia and New Zealand p.20 |
| Emergency treatment abroad | Covered for basic benefits (3a-k) up to Standard Plan limits; no cover for enhanced benefits (Supplement 1). p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 35,000,000 p.51 |
| Lifetime limit | none p.17 |
| Deductible options | 0, 40000 p.46 |
| How the deductible applies | Per Policy Year; reduced to $0 for Cancer treatment; one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, 85. p.41 |
| Coinsurance | none |
| 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 from hospital or completion of day case procedure. p.50 |
| General outpatient | Medical check-up benefit: free service at designated providers in HK, or reimbursement up to HKD 4,800 per Policy Year in Asia, Australia and New Zealand. p.51 |
| 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 haemodialysis or peritoneal dialysis as a Day Patient. p.51 |
| Day case procedures | Covered as outpatient procedure, full cover for eligible expenses. p.17 |
| Home nursing | Full cover for nursing care at residential home within 180 days after discharge, up to 90 days per Policy Year. p.36 |
| Hospice care | HKD 120,000 per Policy Year p.51 |
| Chinese medicine | HKD 750 per visit, maximum 20 visits per Policy Year, for consultation or acupuncture after confinement or specific treatments. p.51 |
| Physiotherapy | Full cover during confinement under miscellaneous charges; full cover for follow-up outpatient visits within 365 days after discharge. p.18 |
| Congenital conditions | Covered if manifested or diagnosed after age 8. p.24 |
| Pregnancy complications | HKD 180,000 per Policy Year, provided conception occurred after the first 12 months of Policy Effective Date. p.36 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident. p.23 |
| 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 charges of 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 | Dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease; Hair Mineral Analysis (HMA), immunisation or health supplements; Sex reassignment; sexual dysfunction (impotence, erectile dysfunction, pre-mature ejaculation). 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$11,926 to HK$18,554.
| 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 (HKD40,000 Deductible) | Private | HK$40,000 | HKD 35,000,000 per Policy Year |
| Deluxe (HKD40,000 Deductible) | Private | HK$40,000 | HKD 35,000,000 per Policy Year |
| Deluxe (HKD40,000 Deductible) | Private | HK$40,000 | 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.