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Bupa Hero VHIS Plan

保柏非凡自願醫保計劃

Bupa (Asia) Limited·24 plan options

VHIS Flexi

Bupa Hero VHIS Plan is a VHIS Flexi plan offered by Bupa (Asia) Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$25,000,000 annual benefit limit. Latest plan-document version: Mar 2, 2026.

Plan options

24 options — premiums differ; deductible, ward class or cover may also differ

Plan option

Advance (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$15,670 /yr

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Plan option

Deluxe (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$20,570 /yr

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Plan option

Advance Pro (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$17,612 /yr

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Plan option

Deluxe Pro (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$22,855 /yr

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Plan option

Core (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$7,522 /yr

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Plan option

Core Pro (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$8,650 /yr

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Plan option

Advance (HKD12,000 Deductible)

Deductible 12,000 HKD deductible

Entry premium (Age 30 any gender)

HK$9,288 /yr

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Plan option

Deluxe (HKD12,000 Deductible)

Deductible 12,000 HKD deductible

Entry premium (Age 30 any gender)

HK$12,358 /yr

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Plan option

Advance Pro (HKD12,000 Deductible)

Deductible 12,000 HKD deductible

Entry premium (Age 30 any gender)

HK$10,440 /yr

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Plan option

Deluxe Pro (HKD12,000 Deductible)

Deductible 12,000 HKD deductible

Entry premium (Age 30 any gender)

HK$13,729 /yr

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Plan option

Core (HKD15,000 Deductible)

Deductible 15,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,573 /yr

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Plan option

Core Pro (HKD15,000 Deductible)

Deductible 15,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,294 /yr

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Plan option

Advance (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,847 /yr

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Plan option

Deluxe (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$9,951 /yr

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Plan option

Advance Pro (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$7,696 /yr

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Plan option

Deluxe Pro (HKD40,000 Deductible)

Deductible 40,000 HKD deductible

Entry premium (Age 30 any gender)

HK$11,054 /yr

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Plan option

Core (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,843 /yr

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Plan option

Core Pro (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,391 /yr

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Plan option

Advance (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$4,500 /yr

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Plan option

Deluxe (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$7,348 /yr

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Plan option

Advance Pro (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,059 /yr

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Plan option

Deluxe Pro (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$8,163 /yr

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Plan option

Core (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,442 /yr

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Plan option

Core Pro (HKD80,000 Deductible)

Deductible 80,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,992 /yr

View details →

Premiums by age

Yearly premium of every option by age and sex

Standard yearly premium for non-smokers, before the premium levy (Male)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Advance (HKD0 Deductible)Deductible HKD 0 deductible	HK$16,838	HK$10,765	HK$12,827	HK$15,670	HK$21,389	HK$33,311	HK$55,234	HK$89,208	HK$115,282
Deluxe (HKD0 Deductible)Deductible HKD 0 deductible	HK$20,144	HK$15,408	HK$16,718	HK$20,570	HK$25,028	HK$42,111	HK$67,043	HK$111,388	HK$145,830
Advance Pro (HKD0 Deductible)Deductible HKD 0 deductible	HK$18,926	HK$12,098	HK$14,419	HK$17,612	HK$24,041	HK$37,439	HK$62,085	HK$100,270	HK$129,577
Deluxe Pro (HKD0 Deductible)Deductible HKD 0 deductible	HK$22,380	HK$17,118	HK$18,573	HK$22,855	HK$27,806	HK$46,683	HK$74,484	HK$123,751	HK$162,016
Core (HKD0 Deductible)Deductible HKD 0 deductible	HK$6,110	HK$5,555	HK$5,208	HK$7,522	HK$10,532	HK$16,177	HK$25,304	HK$41,218	HK$67,138
Core Pro (HKD0 Deductible)Deductible HKD 0 deductible	HK$7,027	HK$6,388	HK$5,988	HK$8,650	HK$12,111	HK$18,226	HK$28,066	HK$45,718	HK$74,470
Advance (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$9,942	HK$6,172	HK$6,808	HK$9,288	HK$12,342	HK$19,699	HK$31,156	HK$55,287	HK$76,876
Deluxe (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$13,965	HK$9,719	HK$10,662	HK$12,358	HK$19,814	HK$29,146	HK$47,478	HK$85,229	HK$101,947
Advance Pro (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$11,176	HK$6,936	HK$7,653	HK$10,440	HK$13,873	HK$22,143	HK$35,018	HK$62,144	HK$86,410
Deluxe Pro (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$15,515	HK$10,797	HK$11,847	HK$13,729	HK$22,012	HK$32,381	HK$52,747	HK$94,689	HK$113,262
Core (HKD15,000 Deductible)Deductible 15,000 HKD deductible	HK$3,715	HK$3,377	HK$3,166	HK$4,573	HK$6,404	HK$9,949	HK$15,562	HK$25,348	HK$41,291
Core Pro (HKD15,000 Deductible)Deductible 15,000 HKD deductible	HK$4,280	HK$3,895	HK$3,659	HK$5,294	HK$7,465	HK$11,716	HK$18,356	HK$29,982	HK$48,846
Advance (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$8,041	HK$5,639	HK$5,835	HK$6,847	HK$9,798	HK$15,311	HK$27,321	HK$49,704	HK$62,204
Deluxe (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$9,717	HK$7,890	HK$8,196	HK$9,951	HK$14,459	HK$24,328	HK$41,051	HK$69,297	HK$82,384
Advance Pro (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$9,039	HK$6,338	HK$6,560	HK$7,696	HK$11,013	HK$17,210	HK$30,428	HK$55,867	HK$69,918
Deluxe Pro (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$10,795	HK$8,768	HK$9,106	HK$11,054	HK$16,065	HK$27,029	HK$45,609	HK$76,989	HK$91,528
Core (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,310	HK$2,099	HK$1,972	HK$2,843	HK$3,981	HK$6,115	HK$9,565	HK$16,670	HK$27,890
Core Pro (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,681	HK$2,457	HK$2,330	HK$3,391	HK$4,936	HK$7,995	HK$12,608	HK$22,080	HK$36,841
Advance (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$5,247	HK$3,398	HK$4,054	HK$4,500	HK$6,868	HK$11,300	HK$21,328	HK$38,354	HK$49,563
Deluxe (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$6,718	HK$5,004	HK$5,439	HK$7,348	HK$10,646	HK$18,250	HK$31,319	HK$55,676	HK$69,047
Advance Pro (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$5,899	HK$3,821	HK$4,556	HK$5,059	HK$7,720	HK$12,701	HK$23,898	HK$43,110	HK$55,708
Deluxe Pro (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$7,465	HK$5,558	HK$6,041	HK$8,163	HK$11,826	HK$20,279	HK$34,797	HK$61,858	HK$76,712
Core (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$1,945	HK$1,769	HK$1,690	HK$2,442	HK$3,419	HK$5,252	HK$8,378	HK$14,014	HK$23,146
Core Pro (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$2,274	HK$2,096	HK$2,036	HK$2,992	HK$4,477	HK$7,507	HK$12,087	HK$20,550	HK$33,881

Standard yearly premium for non-smokers, before the premium levy (Female)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Advance (HKD0 Deductible)Deductible HKD 0 deductible	HK$16,838	HK$10,765	HK$12,827	HK$15,670	HK$21,389	HK$33,311	HK$55,234	HK$89,208	HK$115,282
Deluxe (HKD0 Deductible)Deductible HKD 0 deductible	HK$20,144	HK$15,408	HK$16,718	HK$20,570	HK$25,028	HK$42,111	HK$67,043	HK$111,388	HK$145,830
Advance Pro (HKD0 Deductible)Deductible HKD 0 deductible	HK$18,926	HK$12,098	HK$14,419	HK$17,612	HK$24,041	HK$37,439	HK$62,085	HK$100,270	HK$129,577
Deluxe Pro (HKD0 Deductible)Deductible HKD 0 deductible	HK$22,380	HK$17,118	HK$18,573	HK$22,855	HK$27,806	HK$46,683	HK$74,484	HK$123,751	HK$162,016
Core (HKD0 Deductible)Deductible HKD 0 deductible	HK$6,110	HK$5,555	HK$5,208	HK$7,522	HK$10,532	HK$16,177	HK$25,304	HK$41,218	HK$67,138
Core Pro (HKD0 Deductible)Deductible HKD 0 deductible	HK$7,027	HK$6,388	HK$5,988	HK$8,650	HK$12,111	HK$18,226	HK$28,066	HK$45,718	HK$74,470
Advance (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$9,942	HK$6,172	HK$6,808	HK$9,288	HK$12,342	HK$19,699	HK$31,156	HK$55,287	HK$76,876
Deluxe (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$13,965	HK$9,719	HK$10,662	HK$12,358	HK$19,814	HK$29,146	HK$47,478	HK$85,229	HK$101,947
Advance Pro (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$11,176	HK$6,936	HK$7,653	HK$10,440	HK$13,873	HK$22,143	HK$35,018	HK$62,144	HK$86,410
Deluxe Pro (HKD12,000 Deductible)Deductible 12,000 HKD deductible	HK$15,515	HK$10,797	HK$11,847	HK$13,729	HK$22,012	HK$32,381	HK$52,747	HK$94,689	HK$113,262
Core (HKD15,000 Deductible)Deductible 15,000 HKD deductible	HK$3,715	HK$3,377	HK$3,166	HK$4,573	HK$6,404	HK$9,949	HK$15,562	HK$25,348	HK$41,291
Core Pro (HKD15,000 Deductible)Deductible 15,000 HKD deductible	HK$4,280	HK$3,895	HK$3,659	HK$5,294	HK$7,465	HK$11,716	HK$18,356	HK$29,982	HK$48,846
Advance (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$8,041	HK$5,639	HK$5,835	HK$6,847	HK$9,798	HK$15,311	HK$27,321	HK$49,704	HK$62,204
Deluxe (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$9,717	HK$7,890	HK$8,196	HK$9,951	HK$14,459	HK$24,328	HK$41,051	HK$69,297	HK$82,384
Advance Pro (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$9,039	HK$6,338	HK$6,560	HK$7,696	HK$11,013	HK$17,210	HK$30,428	HK$55,867	HK$69,918
Deluxe Pro (HKD40,000 Deductible)Deductible 40,000 HKD deductible	HK$10,795	HK$8,768	HK$9,106	HK$11,054	HK$16,065	HK$27,029	HK$45,609	HK$76,989	HK$91,528
Core (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,310	HK$2,099	HK$1,972	HK$2,843	HK$3,981	HK$6,115	HK$9,565	HK$16,670	HK$27,890
Core Pro (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,681	HK$2,457	HK$2,330	HK$3,391	HK$4,936	HK$7,995	HK$12,608	HK$22,080	HK$36,841
Advance (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$5,247	HK$3,398	HK$4,054	HK$4,500	HK$6,868	HK$11,300	HK$21,328	HK$38,354	HK$49,563
Deluxe (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$6,718	HK$5,004	HK$5,439	HK$7,348	HK$10,646	HK$18,250	HK$31,319	HK$55,676	HK$69,047
Advance Pro (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$5,899	HK$3,821	HK$4,556	HK$5,059	HK$7,720	HK$12,701	HK$23,898	HK$43,110	HK$55,708
Deluxe Pro (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$7,465	HK$5,558	HK$6,041	HK$8,163	HK$11,826	HK$20,279	HK$34,797	HK$61,858	HK$76,712
Core (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$1,945	HK$1,769	HK$1,690	HK$2,442	HK$3,419	HK$5,252	HK$8,378	HK$14,014	HK$23,146
Core Pro (HKD80,000 Deductible)Deductible 80,000 HKD deductible	HK$2,274	HK$2,096	HK$2,036	HK$2,992	HK$4,477	HK$7,507	HK$12,087	HK$20,550	HK$33,881

Compare all plans by age →

Why so many deductible options?

The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.

Deductibles FAQ →

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

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

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Schedule effective date: Mar 2, 2026
Plan data updated: 2026-04-20