VHIS Flexi · F00029-01-001-06

Bupa MyFlexi VHIS Plan - Standard Plus

保柏靈活配自願醫保計劃 - 升級基本

Bupa (Asia) Limited

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Your premium

HK$6,561 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$1,000 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$16,400 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 per day, maximum 270 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,600 per Policy Year
(e) Intensive care (e) 深切治療	$4,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$6,180
Surgeon's fee — Intermediate 外科醫生費 — 中型	$13,550
Surgeon's fee — Major 外科醫生費 — 大型	$31,600
Surgeon's fee — Complex 外科醫生費 — 複雜	$58,600
(g) Anaesthetist's fee (g) 麻醉科醫生費	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $20,500Major $11,200Intermediate $4,750Minor $2,600
(h) Operating theatre charges (h) 手術室費	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $20,500Major $11,200Intermediate $4,750Minor $2,600
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$83,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	$3,200 per Policy Year• 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Anaesthetist's fee — Complex (g) 麻醉科醫生費 — 複雜	$20,500
Anaesthetist's fee — Major (g) 麻醉科醫生費 — 大型	$11,200
Anaesthetist's fee — Intermediate (g) 麻醉科醫生費 — 中型	$4,750
Anaesthetist's fee — Minor (g) 麻醉科醫生費 — 小型	$2,600
Operating theatre charges — Complex (h) 手術室費 — 複雜	$20,500
Operating theatre charges — Major (h) 手術室費 — 大型	$11,200
Operating theatre charges — Intermediate (h) 手術室費 — 中型	$4,750
Operating theatre charges — Minor (h) 手術室費 — 小型	$2,600
Room and board (a) 病房及膳食	Full reimbursement of Eligible ExpensesR&C
Miscellaneous charges (b) 雜項開支	Supplemental Major Medical Benefits
Extra Benefits
Private nursing fee (during Confinement) 私家看護費	$410 per day (maximum 120 days per Policy Year)
Hospital companion bed fee reimbursement 陪床費	$450 per day (maximum 270 days per Policy Year); $6,600 per Policy Year; $83,000 per Policy Year
Chinese Medicine Practitioner outpatient care 住院或指定治療後由註冊中醫師提供之診症或針灸	$225 per visit, maximum 20 visits per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$500 per day (maximum 270 days per Policy Year)

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,000 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$16,400 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 per day, maximum 270 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,600 per Policy Year
(e) Intensive care
(e) 深切治療
$4,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$6,180
Surgeon's fee — Intermediate
外科醫生費 — 中型
$13,550
Surgeon's fee — Major
外科醫生費 — 大型
$31,600
Surgeon's fee — Complex
外科醫生費 — 複雜
$58,600
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $20,500Major $11,200Intermediate $4,750Minor $2,600
(h) Operating theatre charges
(h) 手術室費
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $20,500Major $11,200Intermediate $4,750Minor $2,600
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$83,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
$3,200 per Policy Year• 2 outpatient visit(s) or Emergency consultation(s) before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year
Anaesthetist's fee — Complex
(g) 麻醉科醫生費 — 複雜
$20,500
Anaesthetist's fee — Major
(g) 麻醉科醫生費 — 大型
$11,200
Anaesthetist's fee — Intermediate
(g) 麻醉科醫生費 — 中型
$4,750
Anaesthetist's fee — Minor
(g) 麻醉科醫生費 — 小型
$2,600
Operating theatre charges — Complex
(h) 手術室費 — 複雜
$20,500
Operating theatre charges — Major
(h) 手術室費 — 大型
$11,200
Operating theatre charges — Intermediate
(h) 手術室費 — 中型
$4,750
Operating theatre charges — Minor
(h) 手術室費 — 小型
$2,600
Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
Miscellaneous charges
(b) 雜項開支
Supplemental Major Medical Benefits

Extra Benefits

Private nursing fee (during Confinement)
私家看護費
$410 per day (maximum 120 days per Policy Year)
Hospital companion bed fee reimbursement
陪床費
$450 per day (maximum 270 days per Policy Year); $6,600 per Policy Year; $83,000 per Policy Year
Chinese Medicine Practitioner outpatient care
住院或指定治療後由註冊中醫師提供之診症或針灸
$225 per visit, maximum 20 visits per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$500 per day (maximum 270 days per Policy Year)

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
2 yrs	5%
4 yrs	10%
6 yrs	15%

Claims that do NOT break the streak

第二索償現金津貼

Verbatim clause

無索償續保折扣 (a) 於任何續保日，一項無索償續保折扣將適用於扣減由續保日開始的保單年度應支付的保費，惟須於以下任何一個緊接續保日前的無索償期間內本公司並沒有就條款及保障（補充文件一第 IV 部分第 1 節的第二索償現金津貼除外）支付任何賠償 – 無索償期間無索償續保折扣比率連續兩(2) 個或三(3)個保單年度百分之五(5%) 連續四(4) 個或五(5)個保單年度百分之十(10%) 連續六(6)個或以上保單年度百分之十五(15%) (b) 無索償續保折扣將相等於由續保日開始的保單年度按條款及保障第六部分第 3(a) – (l)節，以及補充文件一第 III 部分第 2 節及第 IV 部分第 1 節應支付的標準保費及附加保費（如有）乘以以上第 2(a)節所述的任何一(1)個無索償續保折扣比率。 (c) 就計算以上第 2(a)節所述的無索償期間而言，本公司將以招致任何合資格費用的日期來評定該保單年度內是否已經支付任何賠償。 (d) 如已經獲得無索償續保折扣後，本公司於上述第 2(a)節所述的無索償期間內如已經支付任何賠償，本公司將會就支付有關賠償後的所有保單年度，重新計算無索償續保折扣。在本公司的合理要求下，保單持有人須向本公司交還已經扣減的無償續保折扣及實際合資格的無償續保折扣之差額。 9

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00029/F00029-01-000-06-PlanDoc-c.pdf

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$6,820
1	HK$6,820
2	HK$6,820
3	HK$6,820
4	HK$6,820
5	HK$6,820
6	HK$6,820
7	HK$6,820
8	HK$6,820
9	HK$6,820
10	HK$6,820
11	HK$6,820
12	HK$6,820
13	HK$6,820
14	HK$6,820
15	HK$6,820
16	HK$6,820
17	HK$6,820
18	HK$4,967
19	HK$5,028
20	HK$5,085
21	HK$5,150
22	HK$5,230
23	HK$5,316
24	HK$5,422
25	HK$5,546
26	HK$5,688
27	HK$5,851
28	HK$6,036
29	HK$6,247
30	HK$6,561
31	HK$6,910
32	HK$7,213
33	HK$7,532
34	HK$7,887
35	HK$8,204
36	HK$8,591
37	HK$8,999
38	HK$9,424
39	HK$9,868
40	HK$10,411
41	HK$11,040
42	HK$11,503
43	HK$12,012
44	HK$12,532
45	HK$13,034
46	HK$13,608
47	HK$14,214
48	HK$14,852
49	HK$15,514
50	HK$16,025
51	HK$16,719
52	HK$17,410
53	HK$18,090
54	HK$18,791
55	HK$19,404
56	HK$20,174
57	HK$20,979
58	HK$21,815
59	HK$22,715
60	HK$23,893
61	HK$25,065
62	HK$26,395
63	HK$27,867
64	HK$29,368
65	HK$31,162
66	HK$33,500
67	HK$36,466
68	HK$38,551
69	HK$40,783
70	HK$42,639
71	HK$43,846
72	HK$45,330
73	HK$47,226
74	HK$48,477
75	HK$49,510
76	HK$50,228
77	HK$50,998
78	HK$51,734
79	HK$52,476
80	HK$53,058
81	HK$53,058
82	HK$53,058
83	HK$53,058
84	HK$53,058
85	HK$53,058
86	HK$53,058
87	HK$53,058
88	HK$53,058
89	HK$53,058
90	HK$53,058
91	HK$53,058
92	HK$53,058
93	HK$53,058
94	HK$53,058
95	HK$53,058
96	HK$53,058
97	HK$53,058
98	HK$53,058
99	HK$53,058

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Standard

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Standard Plus

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Mar 2, 2026
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.