Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-17-000-02. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 75 | HK$105,210 |
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 | Ward |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$5,000,000 |
| 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, rehabilitation, hospice care.
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 a higher plan level (Core to Core Pro, Core Pro to Advance) is possible once without re-underwriting under specific conditions; other upgrades are subject to re-underwriting p.41 |
| Room class | Ward Room p.50 |
| If a higher room is used | If Semi-Private Room is used, 50% adjustment factor; if Standard Private Room is used, 25% adjustment factor; if Above Standard Private Room is used, Standard Plan limits apply. p.44 |
| Geographical cover | Asia, Australia and New Zealand (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.50 |
| Psychiatric treatment area | Asia, Australia and New Zealand; Hong Kong only if higher ward class is voluntarily chosen p.20 |
| Emergency treatment abroad | Covered up to Standard Plan limits, no enhanced benefits apply p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 5000000 p.50 |
| Lifetime limit | none p.50 |
| Deductible options | 0 p.50 |
| How the deductible applies | Per Policy Year; one-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, 80, 85 p.26 |
| Coinsurance | none p.50 |
| Pre-admission outpatient | 1 visit more than 30 days before admission; 2 visits within 30 days before admission; full cover p.50 |
| Post-discharge outpatient | 20 visits within 90 days after discharge; full cover 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 | Covered as Day Patient, full cover p.36 |
| Day case procedures | Covered as in-patient, full cover p.17 |
| Home nursing | Covered for 180 days after discharge, full cover within annual limit p.36 |
| Hospice care | Covered for institutional palliative care, full cover within annual limit p.37 |
| Chinese medicine | Covered for consultation, acupuncture, and Chinese Medicines after Confinement or specific treatments, full cover within annual limit p.37 |
| Physiotherapy | Covered during Confinement and for 20 follow-up outpatient visits within 90 days after discharge, full cover p.18 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | Covered for surgical procedures due to specified complications, full cover within annual limit, after 12-month waiting period p.36 |
| Emergency dental | Covered for emergency treatment and surgery during Confinement arising from an Accident, full cover p.24 |
| Hospital cash | HKD 600 per day if expenses are fully or partly paid by another insurer p.47 |
| Companion bed | Covered for one companion bed, full cover within annual limit p.36 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available p.16 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | screening or surveillance procedures based on health history, Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (beyond specific covered items) p.23 |
At a constant age of 45, Bupa has filed 1 schedule change on this plan since 2021, an average of +1.4% a year, taking the premium from HK$12,948 to HK$13,336.
| Year | Change |
|---|---|
| 2025 | no change |
| 2026 | +3.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Core (HKD0 Deductible) | Ward | None | HKD 5,000,000 per Policy Year |
| Core (HKD0 Deductible) | Ward | None | HKD 5,000,000 per Policy Year |
| Core (HKD0 Deductible) | Ward | None | HKD 5,000,000 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.