Bupa Hero VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00040-24-000-02. It entitles the insured to a ward room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$2,992 |
| 45 | HK$5,919 |
| 60 | HK$12,087 |
| 75 | HK$26,892 |
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.37 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.4 |
| Switching from another plan | Allowed to upgrade or downgrade plan level, or reduce/remove deductible, with specific conditions for re-underwriting waiver p.41 |
| 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 benefit limits apply p.44 |
| Geographical cover | Worldwide excluding the United States p.50 |
| Psychiatric treatment area | Worldwide excluding the United States p.50 |
| 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 | 10,000,000 p.51 |
| Lifetime limit | none p.17 |
| Deductible options | 0, 80000 p.46 |
| How the deductible applies | Per Policy Year; reduced to $0 for cancer treatment p.50 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit >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.51 |
| Day case procedures | Covered as in-patient; Full cover for most items p.50 |
| Home nursing | Full cover, maximum 90 days per Policy Year p.51 |
| Hospice care | HKD80,000 per Policy Year p.51 |
| Chinese medicine | HKD550 per visit, maximum 20 visits per Policy Year p.51 |
| Physiotherapy | Covered during Confinement and as post-discharge outpatient care p.18 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD100,000 per Policy Year, after 12-month waiting period from Policy Effective Date p.37 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD600 per day if expenses are partly paid by another insurer p.51 |
| Companion bed | Full cover p.51 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments (with exceptions) p.23 |
At a constant age of 45, Bupa has filed 2 schedule changes on this plan since 2021, an average of +1.4% a year, taking the premium from HK$5,747 to HK$5,919.
| 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 (HKD80,000 Deductible) | Ward | HK$80,000 | HKD 10,000,000 per Policy Year |
| Core Pro (HKD80,000 Deductible) | Ward | HK$80,000 | HKD 10,000,000 per Policy Year |
| Core Pro (HKD80,000 Deductible) | Ward | HK$80,000 | 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.