Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-12-000-03. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$5,059 |
| 45 | HK$9,994 |
| 60 | HK$23,898 |
| 75 | HK$50,871 |
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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting for the upgraded/additional benefits. One-off right to upgrade plan level without re-underwriting for specific plan changes. p.14 |
| Room class | Semi-private for HK, Macau, Taiwan, mainland China; Standard Private for other areas worldwide excluding USA p.50 |
| If a higher room is used | If higher than restricted ward class: Ward to Semi-Private: 50% adjustment; Ward to Standard Private: 25% adjustment; Ward to Above Standard Private: Standard Plan limits apply; Semi-Private to Standard Private: 50% adjustment; Semi-Private to Above Standard Private: Standard Plan limits apply; Standard Private to Above Standard Private: Standard Plan limits apply. p.44 |
| Geographical cover | Worldwide excluding the United States p.50 |
| Psychiatric treatment area | Worldwide excluding the United States, but limited to Hong Kong if a higher ward class is chosen p.20 |
| Emergency treatment abroad | Covered up to Standard Plan limits; enhanced benefits not covered. For USA, basic benefits covered up to Standard Plan limits, enhanced benefits not covered. p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 30000000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 0, 80000 p.46 |
| How the deductible applies | Per policy year, reduced to $0 for cancer treatment after diagnosis 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/day case procedure, and all prior visits within 90 days before admission/day case procedure 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 Day Patient kidney dialysis p.51 |
| Day case procedures | Covered as in-patient, full cover p.17 |
| 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/day case procedure p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD 165,000 per policy year for surgical procedures due to specified complications, after 12-month waiting period 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 eligible expenses are partly or fully paid by another insurance company p.51 |
| Companion bed | Full cover for one companion bed, excluding meals p.51 |
| Direct billing and pre-authorisation | Pre-authorisation available for claimable amount estimate p.16 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA) or health supplements; Sterilisation or sex reassignment; sexual dysfunction 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$7,390 to HK$9,994.
| 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 (HKD80,000 Deductible) | Semi-private | HK$80,000 | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD80,000 Deductible) | Semi-private | HK$80,000 | HKD 30,000,000 per Policy Year |
| Advance Pro (HKD80,000 Deductible) | Semi-private | HK$80,000 | 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.