Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-18-000-02. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,573 |
| 45 | HK$8,202 |
| 60 | HK$15,562 |
| 75 | HK$32,352 |
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 if no benefit payment has been made p.4 |
| Switching from another plan | Downgrading of plan level is approved without re-underwriting. Upgrading is subject to re-underwriting, with a one-off right to upgrade without re-underwriting under specific life events. p.14 |
| Room class | Ward Room (shared by more than 3 people outside HK, or ward/standard room in HK) p.50 |
| If a higher room is used | 50% adjustment factor for Semi-Private Room; 25% adjustment factor for Standard Private Room; Standard Plan limits for Above Standard Private Room 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 p.20 |
| Emergency treatment abroad | Covered at Standard Plan limits for basic benefits, no enhanced benefits p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 5,000,000 p.50 |
| Lifetime limit | none p.50 |
| Deductible options | 15000 p.50 |
| How the deductible applies | Per Policy Year p.50 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit/emergency consultation more than 30 days before admission, or 2 prior outpatient visits/emergency consultations within 30 days before admission p.50 |
| Post-discharge outpatient | Full cover for 20 follow-up outpatient visits within 90 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 | not stated |
| Day case procedures | Covered as in-patient, full cover p.17 |
| Home nursing | none |
| Hospice care | none |
| Chinese medicine | none p.24 |
| Physiotherapy | Covered during confinement and for 20 follow-up outpatient visits within 90 days post-discharge, full cover p.18 |
| Congenital conditions | From age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Emergency treatment and surgery during confinement arising from an accident p.24 |
| Hospital cash | HKD 600 per day if expenses are fully or partly paid by another insurance company p.50 |
| Companion bed | none |
| 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 and other forms of alternative treatment 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$7,963 to HK$8,202.
| 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 (HKD15,000 Deductible) | Ward | HK$15,000 | HKD 5,000,000 per Policy Year |
| Core (HKD15,000 Deductible) | Ward | HK$15,000 | HKD 5,000,000 per Policy Year |
| Core (HKD15,000 Deductible) | Ward | HK$15,000 | 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.