Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-23-000-02. It entitles the insured to a ward room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$3,391 |
| 45 | HK$6,415 |
| 60 | HK$12,608 |
| 75 | HK$29,045 |
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, the deductible waived for critical conditions.
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; after cooling-off, 30 days written notice required if no benefit payment made p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade or addition of benefits with re-underwriting; one-off right to upgrade plan level without re-underwriting for specific plan changes p.14 |
| Room class | Ward Room p.50 |
| If a higher room is used | If Semi-Private Room, 50% adjustment factor; if Standard Private Room, 25% adjustment factor; if Above Standard Private Room, Standard Plan limits apply p.44 |
| Geographical cover | Worldwide excluding the United States p.50 |
| Psychiatric treatment area | Worldwide excluding the United States, but Hong Kong only if ward class is voluntarily upgraded p.20 |
| Emergency treatment abroad | Covered at Standard Plan limits, no enhanced benefits p.43 |
| Full cover on core benefits | yes p.51 |
| Annual limit | 10,000,000 p.51 |
| Lifetime limit | none p.51 |
| Deductible options | 50000 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, or 85 p.41 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 visit >30 days before admission, or 2 visits within 30 days before admission p.50 |
| Post-discharge outpatient | Full cover for 30 visits within 90 days after discharge 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.51 |
| Day case procedures | Covered as in-patient p.18 |
| Home nursing | Full cover for up to 90 days per Policy Year, within 180 days after discharge p.51 |
| Hospice care | HKD 80,000 per Policy Year p.51 |
| Chinese medicine | HKD 550 per visit, maximum 20 visits per Policy Year, after Confinement or specific treatments p.51 |
| Physiotherapy | Covered during Confinement and as part of post-discharge outpatient care p.18 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | HKD 100,000 per Policy Year, after 12-month waiting period p.51 |
| 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.51 |
| Companion bed | Full cover for one companion bed during Confinement, excluding meals p.51 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Alternative treatments (e.g., hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) p.23 |
At a constant age of 45, Bupa has filed 2 schedule changes on this plan since 2021, an average of +3.7% a year, taking the premium from HK$5,931 to HK$6,415.
| 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 Pro (HKD50,000 Deductible) | Ward | HK$50,000 | HKD 10,000,000 per Policy Year |
| Core Pro (HKD50,000 Deductible) | Ward | HK$50,000 | HKD 10,000,000 per Policy Year |
| Core Pro (HKD50,000 Deductible) | Ward | HK$50,000 | 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.