Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-09-000-03. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$17,612 |
| 45 | HK$29,297 |
| 60 | HK$62,085 |
| 75 | HK$118,320 |
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 | worldwide_ex_us |
| Annual limit | HK$30,000,000 |
| 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.
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 if cancelled within 21-day cooling-off period; after cooling-off, cancellation with 30 days notice if no benefits paid p.4 |
| Switching from another plan | Switching to a plan with upgraded benefits is subject to re-underwriting, except for specific one-off rights to upgrade plan level without re-underwriting p.41 |
| Room class | Semi-private Room (Hong Kong, Macau, Taiwan, mainland China); Standard Private Room (other areas worldwide excluding USA) p.50 |
| If a higher room is used | 50% adjustment factor for one class higher; 25% adjustment factor for two classes higher (from Ward to Standard Private); Standard Plan limits apply for two or more classes higher p.44 |
| Geographical cover | Worldwide excluding the United States p.50 |
| Psychiatric treatment area | Worldwide excluding the United States, but Hong Kong only if Standard Plan Terms and Benefits apply due to voluntary ward upgrade p.20 |
| Emergency treatment abroad | Covered, but limited to Standard Plan benefits and no enhanced benefits p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 30000000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 0 p.50 |
| How the deductible applies | Per Policy Year, with options 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 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 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 for radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy p.50 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis as Day Patient p.50 |
| Day case procedures | Covered as in-patient, full cover for various items p.50 |
| 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 110,000 per Policy Year for institutional palliative care p.51 |
| Chinese medicine | HKD 700 per visit, maximum 20 visits per Policy Year, for consultation or acupuncture after Confinement or specific treatments p.51 |
| Physiotherapy | Full cover during Confinement and for follow-up outpatient visits within 365 days after discharge p.50 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | HKD 165,000 per Policy Year, for complications from conception after first 12 months of policy p.36 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD 1,260 per day for confinement if expenses are partly or fully paid by another insurer p.51 |
| Companion bed | Full cover for one companion bed during confinement, excluding meals p.36 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (except specific post-confinement/treatment consultation/acupuncture); Other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy) p.23 |
At a constant age of 45, Bupa has filed 4 schedule changes on this plan since 2021, an average of +9.1% a year, taking the premium from HK$19,607 to HK$29,297.
| Year | Change |
|---|---|
| 2023 | +5.1% |
| 2024 | +8.0% |
| 2025 | +17.5% |
| 2026 | +12.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Advance Pro (HKD0 Deductible) | Semi-private | None | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD0 Deductible) | Semi-private | None | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD0 Deductible) | Semi-private | None | HKD 30,000,000 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.