Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-19-000-02. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$2,843 |
| 45 | HK$5,041 |
| 60 | HK$9,565 |
| 75 | HK$21,811 |
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 paid; no refund after cooling-off period p.4 |
| Switching from another plan | Switching to upgrade plan level is subject to re-underwriting, except for specific one-off rights to upgrade without re-underwriting at certain life events/ages p.14 |
| Room class | Ward Room p.50 |
| If a higher room is used | 50% adjustment factor for Semi-Private Room; 25% adjustment factor for Standard Private Room; Standard Plan benefit limits for Above Standard Private Room p.44 |
| Geographical cover | Asia, Australia and New Zealand p.50 |
| Psychiatric treatment area | Applicable area of cover; Hong Kong only if Standard Plan Terms and Benefits apply due to ward class upgrade p.20 |
| Emergency treatment abroad | Covered, but benefit limits under Standard Plan Terms and Benefits apply p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 5,000,000 p.50 |
| Lifetime limit | none p.50 |
| Deductible options | 50000 p.50 |
| How the deductible applies | per Policy Year p.50 |
| Coinsurance | none |
| 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, deductible waived p.50 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.36 |
| Day case procedures | Covered as in-patient, Full cover p.17 |
| Home nursing | not stated |
| Hospice care | not stated |
| Chinese medicine | not stated |
| Physiotherapy | Full cover during confinement; Full cover for 20 follow-up outpatient visits within 90 days after discharge p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | Full cover for specified complications if conception occurred after 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 | HKD 600 per day if expenses are fully or partly paid by another insurer p.50 |
| Companion bed | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.23 |
At a constant age of 45, Bupa has filed 2 schedule changes on this plan since 2021, an average of +3.6% a year, taking the premium from HK$4,661 to HK$5,041.
| Year | Change |
|---|---|
| 2025 | +5.0% |
| 2026 | +3.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Core (HKD50,000 Deductible) | Ward | HK$50,000 | HKD 5,000,000 per Policy Year |
| Core (HKD50,000 Deductible) | Ward | HK$50,000 | HKD 5,000,000 per Policy Year |
| Core (HKD50,000 Deductible) | Ward | HK$50,000 | 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.