Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-20-000-02. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$2,442 |
| 45 | HK$4,329 |
| 60 | HK$8,378 |
| 75 | HK$18,136 |
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. No refund after cooling-off period if cancelled by policyholder. p.4 |
| Switching from another plan | Can upgrade to Bupa Hero VHIS Plan (Core Pro) without re-underwriting once per lifetime at a Life Event or specific ages p.41 |
| Room class | Ward Room p.50 |
| If a higher room is used | Ward Room to Semi-Private Room: 50% adjustment factor; Ward Room to Standard Private Room: 25% adjustment factor; Ward Room to Above Standard Private Room: Standard Plan benefit limits apply p.44 |
| Geographical cover | Asia, Australia and New Zealand p.50 |
| Psychiatric treatment area | Asia, Australia and New Zealand p.20 |
| Emergency treatment abroad | Covered at Standard Plan benefit limits p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 5000000 p.50 |
| Lifetime limit | none p.50 |
| 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, 85 p.26 |
| Coinsurance | none p.50 |
| Pre-admission outpatient | 1 visit >30 days before, or 2 visits within 30 days before admission/Day Case Procedure, full cover p.50 |
| Post-discharge outpatient | 20 visits within 90 days after discharge/Day Case Procedure, full cover p.50 |
| General outpatient | none p.50 |
| Psychiatric treatment | Full cover p.50 |
| Diagnostic imaging coinsurance | none p.50 |
| Non-surgical cancer treatment | Full cover p.50 |
| Kidney dialysis | none |
| Day case procedures | Covered as in-patient, full cover p.17 |
| Home nursing | none |
| Hospice care | none |
| Chinese medicine | none |
| Physiotherapy | During Confinement and for 20 follow-up outpatient visits within 90 days after discharge/Day Case Procedure, full cover p.18 |
| Congenital conditions | Covered if manifested or diagnosed at age 8 or later p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD 600 per day if expenses partly or fully paid by other insurer p.50 |
| Companion bed | none |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Sex reassignment of either sex; Sexual dysfunction; Purchase of durable medical equipment or appliances 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$4,203 to HK$4,329.
| 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 (HKD80,000 Deductible) | Ward | HK$80,000 | HKD 5,000,000 per Policy Year |
| Core (HKD80,000 Deductible) | Ward | HK$80,000 | HKD 5,000,000 per Policy Year |
| Core (HKD80,000 Deductible) | Ward | HK$80,000 | 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.