Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-11-000-03. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$7,696 |
| 45 | HK$13,688 |
| 60 | HK$30,428 |
| 75 | HK$65,925 |
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 p.4 |
| Switching from another plan | Switching to another plan with upgrade or addition of benefits is subject to re-underwriting; one-off right to upgrade plan level without re-underwriting under specific conditions p.14 |
| Room class | Semi-private Room for Hong Kong, Macau, Taiwan and mainland China; Standard Private Room for other areas worldwide excluding the United States 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; Semi-Private Room to Standard Private Room: 50% adjustment; Semi-Private Room to Above Standard Private Room: Standard Plan limits; Standard Private Room to Above Standard Private Room: Standard Plan limits p.44 |
| Geographical cover | Worldwide excluding the United States 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 at Standard Plan limits, 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, 40000 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 more than 90 days before admission, and all prior outpatient visits within 90 days before admission p.50 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 365 days after discharge 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.51 |
| Day case procedures | Covered as in-patient for various benefits, full cover p.17 |
| Home nursing | Full cover, maximum 90 days per Policy Year p.51 |
| Hospice care | HKD 110,000 per Policy Year p.51 |
| Chinese medicine | HKD 700 per visit, maximum 20 visits per Policy Year, after Confinement or specific treatments p.51 |
| Physiotherapy | Full cover during Confinement and for follow-up outpatient visits within 365 days after discharge p.18 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD 165,000 per Policy Year, after 12-month waiting period from policy effective date p.51 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD 1,260 per day as second claims incentive if other insurance pays first p.51 |
| Companion bed | Full cover p.51 |
| Direct billing and pre-authorisation | Pre-approval available for rehabilitation and organ transplant p.16 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (beyond specific covered items) 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$10,122 to HK$13,688.
| 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 (HKD40,000 Deductible) | Semi-private | HK$40,000 | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD40,000 Deductible) | Semi-private | HK$40,000 | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD40,000 Deductible) | Semi-private | HK$40,000 | 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.