Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-16-000-03. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$8,163 |
| 45 | HK$15,322 |
| 60 | HK$34,797 |
| 75 | HK$74,091 |
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 | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days prior written notice if no benefit payment in policy year. p.4 |
| Switching from another plan | Switching to a higher plan level (Core to Core Pro, or Core Pro to Advance) is allowed once without re-underwriting under specific conditions. p.41 |
| Room class | Standard Private Room p.50 |
| If a higher room is used | If a room class higher than Standard Private Room is used, the benefit limits of the Standard Plan Terms and Benefits shall 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, but benefit limits under Standard Plan Terms and Benefits apply, and no enhanced benefits are payable. p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 40,000,000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 80000 p.50 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, or 85. p.41 |
| 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 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 from hospital or completion of Day Case Procedure. p.50 |
| General outpatient | none p.53 |
| 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 for various related benefits. p.50 |
| Home nursing | Full cover, maximum 90 days per Policy Year p.51 |
| Hospice care | 150,000 per Policy Year p.51 |
| Chinese medicine | 850 per visit, maximum 20 visits per Policy Year, after Confinement or specific treatments p.51 |
| Physiotherapy | Full cover for follow-up outpatient visits within 365 days after discharge or Day Case Procedure, if directly related. p.50 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | 230,000 per Policy Year, for complications from conception after first 12 months of Policy Effective Date. p.36 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. p.24 |
| Hospital cash | 2,400 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.36 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Treatments not Medically Necessary; Venereal and sexually transmitted diseases; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments (with specific exceptions). 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$10,313 to HK$15,322.
| 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 (HKD80,000 Deductible) | Private | HK$80,000 | HKD 40,000,000 per Policy Year |
| Deluxe Pro (HKD80,000 Deductible) | Private | HK$80,000 | HKD 40,000,000 per Policy Year |
| Deluxe Pro (HKD80,000 Deductible) | Private | HK$80,000 | 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.