Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-14-000-03. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$13,729 |
| 45 | HK$26,437 |
| 60 | HK$52,747 |
| 75 | HK$106,420 |
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 | worldwide_ex_us |
| Annual limit | HK$40,000,000 |
| 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. After cooling-off, 30 days notice, no refund if benefits paid in policy year. p.4 |
| Switching from another plan | Switching to upgrade plan level is subject to re-underwriting, but one-off right to upgrade from Core to Core Pro or Core Pro to Advance without re-underwriting is available under specific conditions. p.14 |
| Room class | Standard Private Room p.50 |
| If a higher room is used | If Semi-Private Room is used, benefits are multiplied by a 50% adjustment factor. If Standard Private Room or above is used, Standard Plan benefit limits apply. p.44 |
| Geographical cover | Worldwide excluding the United States p.50 |
| Psychiatric treatment area | Worldwide excluding the United States p.20 |
| Emergency treatment abroad | Covered, limited to Standard Plan benefit limits p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 40000000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 12000 p.50 |
| How the deductible applies | Per Policy Year, one-off right to reduce or remove deductible 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 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 benefit up to HKD 4,800 per Policy Year p.51 |
| 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, 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 150,000 per Policy Year for institutional palliative care p.37 |
| Chinese medicine | HKD 850 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.18 |
| Congenital conditions | Unknown congenital conditions covered from year 1; known congenital conditions subject to case-based exclusion p.21 |
| Pregnancy complications | HKD 230,000 per Policy Year, after 12-month waiting period from Policy Effective Date p.36 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| Hospital cash | HKD 2,400 per day if eligible expenses are fully or partly paid by another insurance company p.47 |
| Companion bed | Full cover for one companion bed, excluding meals p.36 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment; alternative treatments (e.g., hypnotism, qigong, massage, aromatherapy) p.23 |
At a constant age of 45, Bupa has filed 4 schedule changes on this plan since 2021, an average of +9.0% a year, taking the premium from HK$17,793 to HK$26,437.
| Year | Change |
|---|---|
| 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 Pro (HKD12,000 Deductible) | Private | HK$12,000 | HKD 40,000,000 per Policy Year |
| Deluxe Pro (HKD12,000 Deductible) | Private | HK$12,000 | HKD 40,000,000 per Policy Year |
| Deluxe Pro (HKD12,000 Deductible) | Private | HK$12,000 | HKD 40,000,000 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.