Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-21-000-02. It entitles the insured to a ward room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$8,650 |
| 45 | HK$15,177 |
| 60 | HK$28,066 |
| 75 | HK$58,350 |
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 | worldwide_ex_us |
| Annual limit | HK$10,000,000 |
| 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, a companion bed, rehabilitation, hospice care, kidney dialysis.
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; no refund after cooling-off for policyholder cancellation p.4 |
| Switching from another plan | Allowed with re-underwriting for upgrades, or at company's discretion for downgrades; one-off right to upgrade without re-underwriting for specific life events 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 limits for Above Standard Private Room 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 at Standard Plan limits, with some benefits excluded, if incurred outside applicable area of cover p.43 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 10,000,000 p.50 |
| Lifetime limit | none p.50 |
| Deductible options | 0 p.50 |
| How the deductible applies | per Policy Year p.26 |
| Coinsurance | none p.25 |
| 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 | 30 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 | full cover p.50 |
| Day case procedures | Covered as in-patient, full cover p.50 |
| Home nursing | Full cover for up to 90 days per policy year, for nursing care at home within 180 days after discharge p.50 |
| Hospice care | HKD 80,000 per Policy Year p.50 |
| Chinese medicine | HKD 550 per visit, maximum 20 visits per Policy Year, after Confinement or specific treatments p.50 |
| Physiotherapy | Full cover during Confinement and for 30 follow-up outpatient visits within 90 days after discharge p.50 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD 100,000 per Policy Year, for complications from conception after first 12 months of policy p.50 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD 600 per day for confinement if expenses are paid by another insurer p.50 |
| Companion bed | Full cover for one companion bed during confinement, excluding meals p.50 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-approval available for certain services like rehabilitation and organ transplant p.16 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Sterilisation, sex reassignment, sexual dysfunction; Purchase of durable medical equipment or appliances for home use 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$14,735 to HK$15,177.
| 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 Pro (HKD0 Deductible) | Ward | None | HKD 10,000,000 per Policy Year |
| Core Pro (HKD0 Deductible) | Ward | None | HKD 10,000,000 per Policy Year |
| Core Pro (HKD0 Deductible) | Ward | None | HKD 10,000,000 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.