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Bupa Hero VHIS Plan - Advance (HKD40,000 Deductible)

保柏非凡自願醫保計劃 - 智選（40,000 港元自付費）

Bupa (Asia) Limited · F00040-03-000 · 8 versions · Flexi plan · Avg. annual increase +5.75%

Age	F00040-03-000-01 Benefits PDF Premiums PDF 2020-02-03	F00040-03-000-02 Benefits PDF Premiums PDF 2020-12-02	F00040-03-000-03 Benefits PDF Premiums PDF 2022-03-02	F00040-03-000-03 Benefits PDF Premiums PDF 2023-03-02	F00040-03-000-03 Benefits PDF Premiums PDF 2024-03-02	F00040-03-000-04 Benefits PDF Premiums PDF 2024-08-02	F00040-03-000-05 Benefits PDF Premiums PDF 2025-03-02	F00040-03-000-05 Benefits PDF Premiums PDF 2026-03-02	Avg. annual increase
0	HK$5,679	HK$5,679	HK$5,946 (+4.7%)	HK$6,251 (+5.1%)	HK$6,751 (+8.0%)	HK$6,751	HK$7,480 (+10.8%)	HK$8,041 (+7.5%)	+5.75%
5	HK$5,679	HK$5,679	HK$5,946 (+4.7%)	HK$6,251 (+5.1%)	HK$6,751 (+8.0%)	HK$6,751	HK$7,480 (+10.8%)	HK$8,041 (+7.5%)	+5.75%
10	HK$3,983	HK$3,983	HK$4,170 (+4.7%)	HK$4,384 (+5.1%)	HK$4,735 (+8.0%)	HK$4,735	HK$5,246 (+10.8%)	HK$5,639 (+7.5%)	+5.75%
15	HK$3,993	HK$3,993	HK$4,181 (+4.7%)	HK$4,395 (+5.1%)	HK$4,747 (+8.0%)	HK$4,747	HK$5,260 (+10.8%)	HK$5,655 (+7.5%)	+5.75%
20	HK$4,121	HK$4,121	HK$4,315 (+4.7%)	HK$4,536 (+5.1%)	HK$4,899 (+8.0%)	HK$4,899	HK$5,428 (+10.8%)	HK$5,835 (+7.5%)	+5.75%
25	HK$4,535	HK$4,535	HK$4,748 (+4.7%)	HK$4,992 (+5.1%)	HK$5,391 (+8.0%)	HK$5,391	HK$5,973 (+10.8%)	HK$6,421 (+7.5%)	+5.75%
30	HK$4,835	HK$4,835	HK$5,062 (+4.7%)	HK$5,322 (+5.1%)	HK$5,748 (+8.0%)	HK$5,748	HK$6,369 (+10.8%)	HK$6,847 (+7.5%)	+5.75%
35	HK$6,269	HK$6,269	HK$6,564 (+4.7%)	HK$6,901 (+5.1%)	HK$7,453 (+8.0%)	HK$7,453	HK$8,258 (+10.8%)	HK$8,877 (+7.5%)	+5.75%
40	HK$6,920	HK$6,920	HK$7,245 (+4.7%)	HK$7,617 (+5.1%)	HK$8,226 (+8.0%)	HK$8,226	HK$9,114 (+10.8%)	HK$9,798 (+7.5%)	+5.75%
45	HK$8,601	HK$8,601	HK$9,005 (+4.7%)	HK$9,467 (+5.1%)	HK$10,224 (+8.0%)	HK$10,224	HK$11,328 (+10.8%)	HK$12,178 (+7.5%)	+5.75%
50	HK$10,814	HK$10,814	HK$11,322 (+4.7%)	HK$11,903 (+5.1%)	HK$12,855 (+8.0%)	HK$12,855	HK$14,243 (+10.8%)	HK$15,311 (+7.5%)	+5.75%
55	HK$14,698	HK$14,698	HK$15,389 (+4.7%)	HK$16,178 (+5.1%)	HK$17,472 (+8.0%)	HK$17,472	HK$19,359 (+10.8%)	HK$20,811 (+7.5%)	+5.75%
60	HK$19,119	HK$19,119	HK$20,018 (+4.7%)	HK$21,239 (+6.1%)	HK$22,938 (+8.0%)	HK$22,938	HK$25,415 (+10.8%)	HK$27,321 (+7.5%)	+5.91%
65	HK$26,397	HK$26,397	HK$27,638 (+4.7%)	HK$28,771 (+4.1%)	HK$31,073 (+8.0%)	HK$31,073	HK$34,429 (+10.8%)	HK$37,011 (+7.5%)	+5.58%
70	HK$35,103	HK$35,103	HK$36,753 (+4.7%)	HK$38,638 (+5.1%)	HK$41,729 (+8.0%)	HK$41,729	HK$46,236 (+10.8%)	HK$49,704 (+7.5%)	+5.75%
75	HK$41,422	HK$41,422	HK$43,369 (+4.7%)	HK$45,594 (+5.1%)	HK$49,242 (+8.0%)	HK$49,242	HK$54,560 (+10.8%)	HK$58,652 (+7.5%)	+5.75%
80	HK$43,931	HK$43,931	HK$45,996 (+4.7%)	HK$48,356 (+5.1%)	HK$52,224 (+8.0%)	HK$52,224	HK$57,864 (+10.8%)	HK$62,204 (+7.5%)	+5.75%
85	HK$43,931	HK$43,931	HK$45,996 (+4.7%)	HK$48,356 (+5.1%)	HK$52,224 (+8.0%)	HK$52,224	HK$57,864 (+10.8%)	HK$62,204 (+7.5%)	+5.75%
90	HK$43,931	HK$43,931	HK$45,996 (+4.7%)	HK$48,356 (+5.1%)	HK$52,224 (+8.0%)	HK$52,224	HK$57,864 (+10.8%)	HK$62,204 (+7.5%)	+5.75%
95	HK$43,931	HK$43,931	HK$45,996 (+4.7%)	HK$48,356 (+5.1%)	HK$52,224 (+8.0%)	HK$52,224	HK$57,864 (+10.8%)	HK$62,204 (+7.5%)	+5.75%
99	HK$43,931	HK$43,931	HK$45,996 (+4.7%)	HK$48,356 (+5.1%)	HK$52,224 (+8.0%)	HK$52,224	HK$57,864 (+10.8%)	HK$62,204 (+7.5%)	+5.75%
All ages average	—	0.0%	+4.7%	+5.1%	+8.0%	0.0%	+10.8%	+7.5%	—

F00040-03-000-01

Benefits PDFPremiums PDF

2020-02-03

First version (baseline)

0 y/oHK$5,679

5 y/oHK$5,679

10 y/oHK$3,983

15 y/oHK$3,993

20 y/oHK$4,121

25 y/oHK$4,535

30 y/oHK$4,835

35 y/oHK$6,269

40 y/oHK$6,920

45 y/oHK$8,601

50 y/oHK$10,814

55 y/oHK$14,698

60 y/oHK$19,119

65 y/oHK$26,397

70 y/oHK$35,103

75 y/oHK$41,422

80 y/oHK$43,931

85 y/oHK$43,931

90 y/oHK$43,931

95 y/oHK$43,931

99 y/oHK$43,931

F00040-03-000-02

Benefits PDFPremiums PDF

2020-12-02

0.0%

All-ages avg

0 y/oHK$5,679

5 y/oHK$5,679

10 y/oHK$3,983

15 y/oHK$3,993

20 y/oHK$4,121

25 y/oHK$4,535

30 y/oHK$4,835

35 y/oHK$6,269

40 y/oHK$6,920

45 y/oHK$8,601

50 y/oHK$10,814

55 y/oHK$14,698

60 y/oHK$19,119

65 y/oHK$26,397

70 y/oHK$35,103

75 y/oHK$41,422

80 y/oHK$43,931

85 y/oHK$43,931

90 y/oHK$43,931

95 y/oHK$43,931

99 y/oHK$43,931

F00040-03-000-03

Benefits PDFPremiums PDF

2022-03-02

+4.7%

All-ages avg

0 y/oHK$5,946 (+4.7%)

5 y/oHK$5,946 (+4.7%)

10 y/oHK$4,170 (+4.7%)

15 y/oHK$4,181 (+4.7%)

20 y/oHK$4,315 (+4.7%)

25 y/oHK$4,748 (+4.7%)

30 y/oHK$5,062 (+4.7%)

35 y/oHK$6,564 (+4.7%)

40 y/oHK$7,245 (+4.7%)

45 y/oHK$9,005 (+4.7%)

50 y/oHK$11,322 (+4.7%)

55 y/oHK$15,389 (+4.7%)

60 y/oHK$20,018 (+4.7%)

65 y/oHK$27,638 (+4.7%)

70 y/oHK$36,753 (+4.7%)

75 y/oHK$43,369 (+4.7%)

80 y/oHK$45,996 (+4.7%)

85 y/oHK$45,996 (+4.7%)

90 y/oHK$45,996 (+4.7%)

95 y/oHK$45,996 (+4.7%)

99 y/oHK$45,996 (+4.7%)

F00040-03-000-03

Benefits PDFPremiums PDF

2023-03-02

+5.1%

All-ages avg

0 y/oHK$6,251 (+5.1%)

5 y/oHK$6,251 (+5.1%)

10 y/oHK$4,384 (+5.1%)

15 y/oHK$4,395 (+5.1%)

20 y/oHK$4,536 (+5.1%)

25 y/oHK$4,992 (+5.1%)

30 y/oHK$5,322 (+5.1%)

35 y/oHK$6,901 (+5.1%)

40 y/oHK$7,617 (+5.1%)

45 y/oHK$9,467 (+5.1%)

50 y/oHK$11,903 (+5.1%)

55 y/oHK$16,178 (+5.1%)

60 y/oHK$21,239 (+6.1%)

65 y/oHK$28,771 (+4.1%)

70 y/oHK$38,638 (+5.1%)

75 y/oHK$45,594 (+5.1%)

80 y/oHK$48,356 (+5.1%)

85 y/oHK$48,356 (+5.1%)

90 y/oHK$48,356 (+5.1%)

95 y/oHK$48,356 (+5.1%)

99 y/oHK$48,356 (+5.1%)

F00040-03-000-03

Benefits PDFPremiums PDF

2024-03-02

+8.0%

All-ages avg

0 y/oHK$6,751 (+8.0%)

5 y/oHK$6,751 (+8.0%)

10 y/oHK$4,735 (+8.0%)

15 y/oHK$4,747 (+8.0%)

20 y/oHK$4,899 (+8.0%)

25 y/oHK$5,391 (+8.0%)

30 y/oHK$5,748 (+8.0%)

35 y/oHK$7,453 (+8.0%)

40 y/oHK$8,226 (+8.0%)

45 y/oHK$10,224 (+8.0%)

50 y/oHK$12,855 (+8.0%)

55 y/oHK$17,472 (+8.0%)

60 y/oHK$22,938 (+8.0%)

65 y/oHK$31,073 (+8.0%)

70 y/oHK$41,729 (+8.0%)

75 y/oHK$49,242 (+8.0%)

80 y/oHK$52,224 (+8.0%)

85 y/oHK$52,224 (+8.0%)

90 y/oHK$52,224 (+8.0%)

95 y/oHK$52,224 (+8.0%)

99 y/oHK$52,224 (+8.0%)

F00040-03-000-04

Benefits PDFPremiums PDF

2024-08-02

0.0%

All-ages avg

0 y/oHK$6,751

5 y/oHK$6,751

10 y/oHK$4,735

15 y/oHK$4,747

20 y/oHK$4,899

25 y/oHK$5,391

30 y/oHK$5,748

35 y/oHK$7,453

40 y/oHK$8,226

45 y/oHK$10,224

50 y/oHK$12,855

55 y/oHK$17,472

60 y/oHK$22,938

65 y/oHK$31,073

70 y/oHK$41,729

75 y/oHK$49,242

80 y/oHK$52,224

85 y/oHK$52,224

90 y/oHK$52,224

95 y/oHK$52,224

99 y/oHK$52,224

F00040-03-000-05

Benefits PDFPremiums PDF

2025-03-02

+10.8%

All-ages avg

0 y/oHK$7,480 (+10.8%)

5 y/oHK$7,480 (+10.8%)

10 y/oHK$5,246 (+10.8%)

15 y/oHK$5,260 (+10.8%)

20 y/oHK$5,428 (+10.8%)

25 y/oHK$5,973 (+10.8%)

30 y/oHK$6,369 (+10.8%)

35 y/oHK$8,258 (+10.8%)

40 y/oHK$9,114 (+10.8%)

45 y/oHK$11,328 (+10.8%)

50 y/oHK$14,243 (+10.8%)

55 y/oHK$19,359 (+10.8%)

60 y/oHK$25,415 (+10.8%)

65 y/oHK$34,429 (+10.8%)

70 y/oHK$46,236 (+10.8%)

75 y/oHK$54,560 (+10.8%)

80 y/oHK$57,864 (+10.8%)

85 y/oHK$57,864 (+10.8%)

90 y/oHK$57,864 (+10.8%)

95 y/oHK$57,864 (+10.8%)

99 y/oHK$57,864 (+10.8%)

F00040-03-000-05

Benefits PDFPremiums PDF

2026-03-02

+7.5%

All-ages avg

0 y/oHK$8,041 (+7.5%)

5 y/oHK$8,041 (+7.5%)

10 y/oHK$5,639 (+7.5%)

15 y/oHK$5,655 (+7.5%)

20 y/oHK$5,835 (+7.5%)

25 y/oHK$6,421 (+7.5%)

30 y/oHK$6,847 (+7.5%)

35 y/oHK$8,877 (+7.5%)

40 y/oHK$9,798 (+7.5%)

45 y/oHK$12,178 (+7.5%)

50 y/oHK$15,311 (+7.5%)

55 y/oHK$20,811 (+7.5%)

60 y/oHK$27,321 (+7.5%)

65 y/oHK$37,011 (+7.5%)

70 y/oHK$49,704 (+7.5%)

75 y/oHK$58,652 (+7.5%)

80 y/oHK$62,204 (+7.5%)

85 y/oHK$62,204 (+7.5%)

90 y/oHK$62,204 (+7.5%)

95 y/oHK$62,204 (+7.5%)

99 y/oHK$62,204 (+7.5%)

年均加幅（複息，年期＝今日−最早版本日期）· 計算至 2026-04-27

0 y/o+5.75%

5 y/o+5.75%

10 y/o+5.75%

15 y/o+5.75%

20 y/o+5.75%

25 y/o+5.75%

30 y/o+5.75%

35 y/o+5.75%

40 y/o+5.75%

45 y/o+5.75%

50 y/o+5.75%

55 y/o+5.75%

60 y/o+5.91%

65 y/o+5.58%

70 y/o+5.75%

75 y/o+5.75%

80 y/o+5.75%

85 y/o+5.75%

90 y/o+5.75%

95 y/o+5.75%

99 y/o+5.75%

格仔顯示保費金額，括號內為相對上一個版本嘅百分比變化。首個版本只顯示基準保費。年均加幅使用複息公式（最新/最早 ^ (1/years) − 1），年期＝今日減最早版本日期。計算至 2026-04-27 · as of 2026-04-27