VHIS · Entry-level Pick
Bupa MyBasic VHIS Plan is the insurer's Standard VHIS plan (the regulatory floor of cover), while Bupa Hero VHIS Plan - Core is its flagship Flexi plan, which extends the ward class, benefit limits and geographical coverage above that floor.
Bupa MyBasic VHIS Plan suits you better if you value a lower entry premium (about HK$4,796/yr at age 40, non-smoker). Bupa Hero VHIS Plan - Core suits you better if you value a higher annual benefit limit (HK$5,000,000).
Neither plan is categorically better — your choice should rest on your own budget, where you expect to seek treatment and your family needs, ideally after a financial needs analysis.
| Item | Bupa MyBasic VHIS PlanBupa (Asia) Limited | Bupa Hero VHIS Plan - CoreBupa (Asia) Limited |
|---|---|---|
| Plan type | Standard | Flexi |
| Insurer | Bupa (Asia) Limited | Bupa (Asia) Limited |
| Ward class | N/A (capped) | Ward |
| Annual benefit limit | HK$420,000 | HK$5,000,000▲ |
| Lifetime benefit limit | Full cover / not stated | Full cover / not stated |
| Per-illness annual limit | Full cover / not stated | Full cover / not stated |
| DeductibleCompared at the lowest-deductible variant | $0 | $0 |
| Geographical coverage | Worldwide | Asia incl. AU/NZ |
| Supplementary Major Medical (SMM) | No supplementary cover / not stated | No supplementary cover / not stated |
| Full-cover basic ward | Not stated | Full cover |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$4,796 | HK$10,532▲ |
| Data version | Mar 2, 2026 | Mar 2, 2026 |
▲ marks the larger figure on that row — an objective numeric comparison, not a verdict. “Full cover / not stated” means the policy sets no explicit cap or the document does not list one.
Bupa (Asia) Limited · Cert. no. S00020-01-000-02
Bupa MyBasic VHIS Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Bupa (Asia) Limited · Cert. no. F00040-17-000-02
Bupa Hero VHIS Plan - Core is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$5,000,000 and a lifetime limit of Full cover / not stated; geographical coverage is Asia incl. AU/NZ.
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