Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-08-000-05. It entitles the insured to a private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$7,348 |
| 45 | HK$13,793 |
| 60 | HK$31,319 |
| 75 | HK$66,690 |
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 p.4 |
| Switching from another plan | One-off right to upgrade plan level within Bupa Hero VHIS Plan without re-underwriting under specific conditions p.41 |
| Room class | Standard Private Room p.50 |
| If a higher room is used | 50% adjustment factor for Ward Room, 25% adjustment factor for Semi-Private Room, Standard Plan limits for Above Standard Private Room 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 | Applicable area of cover, but Hong Kong only if Standard Plan Terms and Benefits apply due to voluntary ward class upgrade p.20 |
| Emergency treatment abroad | Covered outside applicable area of cover, but subject to Standard Plan Terms and Benefits limits for basic benefits only p.51 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 35,000,000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 0, 80000 p.50 |
| How the deductible applies | Per Policy Year, reduced to $0 for Cancer treatment p.50 |
| Coinsurance | none p.50 |
| 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 | Medical check-up service up to HKD 4,800 per Policy Year p.51 |
| Psychiatric treatment | Full cover up to annual limit of HKD 35,000,000 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 p.18 |
| Home nursing | Full cover for services by Qualified Nurse(s) at residential 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 | Consultation or acupuncture by a Registered Chinese Medicine Practitioner after Confinement or specific treatments, HKD 750 per visit, maximum 20 visits per Policy Year p.50 |
| Physiotherapy | Full cover during Confinement and 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, for complications from conception after first 12 months of Policy Effective Date p.50 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.23 |
| Hospital cash | HKD 2,400 per day for Confinement if expenses are paid by another insurance company p.51 |
| Companion bed | Full cover for one companion bed during Confinement, excluding meals p.50 |
| Direct billing and pre-authorisation | Pre-approval required for rehabilitation and organ transplant surgery p.37 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Durable medical equipment or appliances (unless rental during Confinement or specific benefit); Traditional Chinese medicine treatment (except specific treatments) and other forms of alternative treatment 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$8,866 to HK$13,793.
| 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 (HKD80,000 Deductible) | Private | HK$80,000 | HKD 35,000,000 per Policy Year |
| Deluxe (HKD80,000 Deductible) | Private | HK$80,000 | HKD 35,000,000 per Policy Year |
| Deluxe (HKD80,000 Deductible) | Private | HK$80,000 | 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.