Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-10-000-03. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$10,440 |
| 45 | HK$17,521 |
| 60 | HK$35,018 |
| 75 | HK$77,973 |
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, 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 if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid in current Policy Year p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade or additional benefits (subject to re-underwriting for new benefits); one-off right to upgrade plan level without re-underwriting for specific plan changes p.14 |
| Room class | Semi-private Room for HK, Macau, Taiwan, mainland China; Standard Private Room for other areas worldwide excluding USA p.50 |
| If a higher room is used | Ward Room to Semi-Private Room: 50% adjustment; Ward Room to Standard Private Room: 25% adjustment; Ward Room to Above Standard Private Room: Standard Plan limits apply; Semi-Private Room to Standard Private Room: 50% adjustment; Semi-Private Room to Above Standard Private Room: Standard Plan limits apply; Standard Private Room to Above Standard Private Room: Standard Plan limits apply. p.44 |
| Geographical cover | Worldwide excluding the United States p.50 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered, but with Standard Plan limits and no enhanced benefits if incurred outside applicable area of cover p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 30,000,000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 0, 12000 p.50 |
| How the deductible applies | Per Policy Year; reduced to $0 for cancer treatment; one-off reduction/removal right at ages 50, 55, 60, 65, 70, 75, 80, 85 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 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 p.50 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis as Day Patient p.51 |
| Day case procedures | Covered as in-patient for many benefits, including room and board p.18 |
| Home nursing | Full cover for up to 90 days per Policy Year, within 180 days after discharge p.51 |
| Hospice care | HKD 110,000 per Policy Year for institutional palliative care p.51 |
| Chinese medicine | HKD 700 per visit, up to 20 visits per Policy Year, for consultation or acupuncture after Confinement or specific treatments p.51 |
| Physiotherapy | Full cover for physiotherapy during Confinement and as part of post-discharge outpatient care p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD 165,000 per Policy Year, for complications from conception after 12 months of Policy Effective Date p.51 |
| Emergency dental | Covered for emergency treatment and surgery during Confinement arising from an Accident p.23 |
| Hospital cash | HKD 1,260 per day if expenses are fully or partly paid by another insurance company p.51 |
| Companion bed | Full cover for one companion bed during Confinement p.51 |
| Exclusions beyond the VHIS standard list | Not Medically Necessary; Venereal and sexually transmitted disease; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments p.23 |
At a constant age of 45, Bupa has filed 4 schedule changes on this plan since 2021, an average of +6.8% a year, taking the premium from HK$12,955 to HK$17,521.
| Year | Change |
|---|---|
| 2023 | +5.1% |
| 2024 | +8.0% |
| 2025 | +10.8% |
| 2026 | +7.5% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Advance Pro (HKD12,000 Deductible) | Semi-private | HK$12,000 | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD12,000 Deductible) | Semi-private | HK$12,000 | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD12,000 Deductible) | Semi-private | HK$12,000 | 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.