Bupa MyFlexi VHIS Plan - Standard

保柏靈活配自願醫保計劃 - 基本

Bupa MyFlexi VHIS Plan - Standard is a VHIS Flexi plan offered by Bupa (Asia) Limited, with no ward-class restriction, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Mar 2, 2026.

VHIS FlexiF00029-01-000-06

Plan at a glance

Ward class: No ward-class restriction
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: No cap
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
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)
Emergency outpatient treatment for Accident 急症意外門診保障	$6,600 per Policy Year within 48 hours of the Accident or Emergency
Outpatient kidney dialysis 日症病人洗腎	$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

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)
Emergency outpatient treatment for Accident
急症意外門診保障
$6,600 per Policy Year within 48 hours of the Accident or Emergency
Outpatient kidney dialysis
日症病人洗腎
$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$4,879
1	HK$4,879
2	HK$4,879
3	HK$4,879
4	HK$4,879
5	HK$4,879
6	HK$4,879
7	HK$4,879
8	HK$4,879
9	HK$4,879
10	HK$4,879
11	HK$4,879
12	HK$4,879
13	HK$4,879
14	HK$4,879
15	HK$4,879
16	HK$4,879
17	HK$4,879
18	HK$3,596
19	HK$3,631
20	HK$3,664
21	HK$3,714
22	HK$3,774
23	HK$3,840
24	HK$3,916
25	HK$4,003
26	HK$4,099
27	HK$4,205
28	HK$4,322
29	HK$4,454
30	HK$4,670
31	HK$4,891
32	HK$5,085
33	HK$5,304
34	HK$5,551
35	HK$5,771
36	HK$6,053
37	HK$6,350
38	HK$6,661
39	HK$6,990
40	HK$7,363
41	HK$7,773
42	HK$8,090
43	HK$8,426
44	HK$8,771
45	HK$9,158
46	HK$9,537
47	HK$9,925
48	HK$10,330
49	HK$10,738
50	HK$11,093
51	HK$11,540
52	HK$12,005
53	HK$12,482
54	HK$12,978
55	HK$13,387
56	HK$13,942
57	HK$14,514
58	HK$15,106
59	HK$15,727
60	HK$16,546
61	HK$17,360
62	HK$18,217
63	HK$19,116
64	HK$20,053
65	HK$21,133
66	HK$22,439
67	HK$24,117
68	HK$25,136
69	HK$26,156
70	HK$26,847
71	HK$27,181
72	HK$27,391
73	HK$27,802
74	HK$28,404
75	HK$29,324
76	HK$29,614
77	HK$29,827
78	HK$30,037
79	HK$30,251
80	HK$30,477
81	HK$30,477
82	HK$30,477
83	HK$30,477
84	HK$30,477
85	HK$30,477
86	HK$30,477
87	HK$30,477
88	HK$30,477
89	HK$30,477
90	HK$30,477
91	HK$30,477
92	HK$30,477
93	HK$30,477
94	HK$30,477
95	HK$30,477
96	HK$30,477
97	HK$30,477
98	HK$30,477
99	HK$30,477

How to apply for this plan

This plan is offered by Bupa (Asia) Limited. To apply, contact Bupa (Asia) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

Standard

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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

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

Bupa MyFlexi VHIS Plan - Standard

Plan at a glance

Benefits

No-Claim Bonus

Discount schedule

Claims that do NOT break the streak

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款