VHIS Flexi · F00029-03-000-06

Bupa MyFlexi VHIS Plan - Deluxe

保柏靈活配自願醫保計劃 - 尊尚

Bupa (Asia) Limited

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Your premium

HK$14,003 /yr

age

Ward class

Standard Private Room

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	$4,000 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$45,600 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$3,900 per day, maximum 270 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$13,400 per Policy Year
(e) Intensive care (e) 深切治療	$8,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$9,650
Surgeon's fee — Intermediate 外科醫生費 — 中型	$26,800
Surgeon's fee — Major 外科醫生費 — 大型	$63,200
Surgeon's fee — Complex 外科醫生費 — 複雜	$126,000
(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 $43,200Major $22,000Intermediate $9,350Minor $4,720
(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 $43,200Major $22,000Intermediate $9,350Minor $4,720
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$158,000 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	$6,000 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	$43,200
Anaesthetist's fee — Major (g) 麻醉科醫生費 — 大型	$22,000
Anaesthetist's fee — Intermediate (g) 麻醉科醫生費 — 中型	$9,350
Anaesthetist's fee — Minor (g) 麻醉科醫生費 — 小型	$4,720
Operating theatre charges — Complex (h) 手術室費 — 複雜	$43,200
Operating theatre charges — Major (h) 手術室費 — 大型	$22,000
Operating theatre charges — Intermediate (h) 手術室費 — 中型	$9,350
Operating theatre charges — Minor (h) 手術室費 — 小型	$4,720
Extra Benefits
Private nursing fee (during Confinement) 私家看護費	$1,020 per day (maximum 120 days per Policy Year)
Hospital companion bed fee reimbursement 陪床費	$1,880 per day (maximum 270 days per Policy Year)
Emergency outpatient treatment for Accident 急症意外門診保障	$11,900 per Policy Year within 48 hours of the Accident or Emergency
Outpatient kidney dialysis 日症病人洗腎	$158,000 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	$360 per visit, maximum 20 visits per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$2,000 per day (maximum 270 days per Policy Year)

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,000 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$45,600 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$3,900 per day, maximum 270 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$13,400 per Policy Year
(e) Intensive care
(e) 深切治療
$8,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$9,650
Surgeon's fee — Intermediate
外科醫生費 — 中型
$26,800
Surgeon's fee — Major
外科醫生費 — 大型
$63,200
Surgeon's fee — Complex
外科醫生費 — 複雜
$126,000
(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 $43,200Major $22,000Intermediate $9,350Minor $4,720
(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 $43,200Major $22,000Intermediate $9,350Minor $4,720
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$158,000 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
$6,000 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
$43,200
Anaesthetist's fee — Major
(g) 麻醉科醫生費 — 大型
$22,000
Anaesthetist's fee — Intermediate
(g) 麻醉科醫生費 — 中型
$9,350
Anaesthetist's fee — Minor
(g) 麻醉科醫生費 — 小型
$4,720
Operating theatre charges — Complex
(h) 手術室費 — 複雜
$43,200
Operating theatre charges — Major
(h) 手術室費 — 大型
$22,000
Operating theatre charges — Intermediate
(h) 手術室費 — 中型
$9,350
Operating theatre charges — Minor
(h) 手術室費 — 小型
$4,720

Extra Benefits

Private nursing fee (during Confinement)
私家看護費
$1,020 per day (maximum 120 days per Policy Year)
Hospital companion bed fee reimbursement
陪床費
$1,880 per day (maximum 270 days per Policy Year)
Emergency outpatient treatment for Accident
急症意外門診保障
$11,900 per Policy Year within 48 hours of the Accident or Emergency
Outpatient kidney dialysis
日症病人洗腎
$158,000 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
$360 per visit, maximum 20 visits per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$2,000 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$15,243
1	HK$15,243
2	HK$15,243
3	HK$15,243
4	HK$15,243
5	HK$15,243
6	HK$15,243
7	HK$15,243
8	HK$15,243
9	HK$15,243
10	HK$15,243
11	HK$15,243
12	HK$15,243
13	HK$15,243
14	HK$15,243
15	HK$15,243
16	HK$15,243
17	HK$15,243
18	HK$10,683
19	HK$10,892
20	HK$11,072
21	HK$11,267
22	HK$11,471
23	HK$11,686
24	HK$11,920
25	HK$12,173
26	HK$12,449
27	HK$12,753
28	HK$13,104
29	HK$13,480
30	HK$14,003
31	HK$14,472
32	HK$14,984
33	HK$15,536
34	HK$16,159
35	HK$16,806
36	HK$17,475
37	HK$18,169
38	HK$18,892
39	HK$19,656
40	HK$20,469
41	HK$21,157
42	HK$21,881
43	HK$22,630
44	HK$23,397
45	HK$24,189
46	HK$25,007
47	HK$25,859
48	HK$26,746
49	HK$27,659
50	HK$29,167
51	HK$30,345
52	HK$31,569
53	HK$32,846
54	HK$34,191
55	HK$35,717
56	HK$37,165
57	HK$38,680
58	HK$40,255
59	HK$41,934
60	HK$43,520
61	HK$45,597
62	HK$47,767
63	HK$50,157
64	HK$52,806
65	HK$55,811
66	HK$58,983
67	HK$62,395
68	HK$66,044
69	HK$69,916
70	HK$73,931
71	HK$77,782
72	HK$81,701
73	HK$85,753
74	HK$89,807
75	HK$93,689
76	HK$97,664
77	HK$101,664
78	HK$105,787
79	HK$110,035
80	HK$114,311
81	HK$114,311
82	HK$114,311
83	HK$114,311
84	HK$114,311
85	HK$114,311
86	HK$114,311
87	HK$114,311
88	HK$114,311
89	HK$114,311
90	HK$114,311
91	HK$114,311
92	HK$114,311
93	HK$114,311
94	HK$114,311
95	HK$114,311
96	HK$114,311
97	HK$114,311
98	HK$114,311
99	HK$114,311

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

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Deluxe

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Deluxe 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.