Global Prestige VHIS Plan - Prime - HKD12,000 Deductible

環球優越自願醫保計劃 - （卓越）12,000 港元自付費

Bupa (Asia) Limited

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Your premium

HK$35,301 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

HK$12,000

Annual benefit limit

HK$40,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible ExpensesR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(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	Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure;• All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure;• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.R&C
(l) Psychiatric treatments (l) 精神科治療	Full reimbursement of Eligible ExpensesR&C
Extra Benefits
Private nursing fee (during Confinement) 私家看護費	Full reimbursement of Eligible Expenses (maximum 90 days per Policy Year)R&C
Hospital companion bed fee reimbursement 陪床費	Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident 急症意外門診保障	Full reimbursement of Eligible Expenses within 48 hours of the Accident or EmergencyR&C
Outpatient kidney dialysis 日症病人洗腎	Full reimbursement of Eligible ExpensesR&C
Complications of pregnancy 懷孕併發症	$250,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$3,500 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)
Hospice and palliative care benefit 善終服務及緩和治療	$160,000 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	$880 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices 人工裝置	$160,000 per device per Policy Year
Outpatient sleep apnoea testing benefit 非住院睡眠窒息症測試	Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below:• 1 outpatient visit more than 90 days before the outpatient sleep apnoea test;• All outpatient visits within 90 days before the outpatient sleep apnoea test;• All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.R&C
Health check-up benefit 身體檢查保障	$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)
Event Benefits
Post-stroke home equipment upgrade 因中風而提升家居設備	$120,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible ExpensesR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(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
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 90 days before Confinement/Day Case Procedure;• All outpatient visits or Emergency consultations within 90 days before Confinement/Day Case Procedure;• All follow-up outpatient visits within 365 days after discharge from Hospital or completion of Day Case Procedure.R&C
(l) Psychiatric treatments
(l) 精神科治療
Full reimbursement of Eligible ExpensesR&C

Extra Benefits

Private nursing fee (during Confinement)
私家看護費
Full reimbursement of Eligible Expenses (maximum 90 days per Policy Year)R&C
Hospital companion bed fee reimbursement
陪床費
Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident
急症意外門診保障
Full reimbursement of Eligible Expenses within 48 hours of the Accident or EmergencyR&C
Outpatient kidney dialysis
日症病人洗腎
Full reimbursement of Eligible ExpensesR&C
Complications of pregnancy
懷孕併發症
$250,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$3,500 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval from the Company)
Hospice and palliative care benefit
善終服務及緩和治療
$160,000 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
$880 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices
人工裝置
$160,000 per device per Policy Year
Outpatient sleep apnoea testing benefit
非住院睡眠窒息症測試
Full reimbursement of Eligible Expenses, for outpatient sleep apnoea tests and the consultations specified below:• 1 outpatient visit more than 90 days before the outpatient sleep apnoea test;• All outpatient visits within 90 days before the outpatient sleep apnoea test;• All follow-up outpatient visits within 365 days after the outpatient sleep apnoea test.R&C
Health check-up benefit
身體檢查保障
$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)

Event Benefits

Post-stroke home equipment upgrade
因中風而提升家居設備
$120,000 per Policy Year (to be completed within 180 days immediately after discharge from Hospital following stroke)

Premium Schedule

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

Age	Premium
0	HK$9,366
1	HK$9,366
2	HK$9,366
3	HK$9,366
4	HK$9,366
5	HK$9,366
6	HK$9,366
7	HK$9,366
8	HK$9,366
9	HK$9,366
10	HK$13,886
11	HK$13,886
12	HK$13,886
13	HK$13,886
14	HK$13,886
15	HK$13,886
16	HK$13,886
17	HK$13,886
18	HK$13,886
19	HK$13,886
20	HK$13,886
21	HK$13,886
22	HK$13,886
23	HK$13,886
24	HK$13,886
25	HK$13,886
26	HK$35,301
27	HK$35,301
28	HK$35,301
29	HK$35,301
30	HK$35,301
31	HK$35,301
32	HK$35,301
33	HK$35,301
34	HK$35,301
35	HK$35,301
36	HK$35,301
37	HK$35,301
38	HK$35,301
39	HK$35,301
40	HK$35,301
41	HK$35,301
42	HK$35,301
43	HK$35,301
44	HK$35,301
45	HK$47,626
46	HK$47,626
47	HK$47,626
48	HK$47,626
49	HK$47,626
50	HK$47,626
51	HK$47,626
52	HK$47,626
53	HK$47,626
54	HK$47,626
55	HK$47,626
56	HK$47,626
57	HK$47,626
58	HK$47,626
59	HK$47,626
60	HK$90,303
61	HK$90,303
62	HK$90,303
63	HK$90,303
64	HK$90,303
65	HK$90,303
66	HK$90,303
67	HK$90,303
68	HK$90,303
69	HK$90,303
70	HK$90,303
71	HK$90,303
72	HK$90,303
73	HK$90,303
74	HK$90,303
75	HK$90,303
76	HK$90,303
77	HK$90,303
78	HK$90,303
79	HK$90,303
80	HK$90,303
81	HK$90,303
82	HK$90,303
83	HK$90,303
84	HK$90,303
85	HK$90,303
86	HK$90,303
87	HK$90,303
88	HK$90,303
89	HK$90,303
90	HK$90,303
91	HK$90,303
92	HK$90,303
93	HK$90,303
94	HK$90,303
95	HK$90,303
96	HK$90,303
97	HK$90,303
98	HK$90,303
99	HK$90,303

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$0

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HK$12K

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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: 2026-04-19

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.