VHIS Flexi · F00040-13-000-03

Bupa Hero VHIS Plan - Deluxe Pro (HKD0 Deductible)

保柏非凡自願醫保計劃 - 倍尊尚（0 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$22,855 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

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	$230,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$3,300 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	$150,000 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	$850 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices 人工裝置	$150,000 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)
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$2,400 per day
Event Benefits
Post-stroke home equipment upgrade 因中風而提升家居設備	$100,000 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
$230,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$3,300 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
$150,000 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
$850 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices
人工裝置
$150,000 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)

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$2,400 per day

Event Benefits

Post-stroke home equipment upgrade
因中風而提升家居設備
$100,000 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$22,380
1	HK$22,380
2	HK$22,380
3	HK$22,380
4	HK$22,380
5	HK$22,380
6	HK$16,787
7	HK$16,869
8	HK$16,953
9	HK$17,035
10	HK$17,118
11	HK$17,202
12	HK$17,287
13	HK$17,372
14	HK$17,459
15	HK$17,541
16	HK$17,629
17	HK$17,716
18	HK$17,804
19	HK$18,182
20	HK$18,573
21	HK$18,972
22	HK$19,377
23	HK$19,793
24	HK$20,217
25	HK$20,649
26	HK$21,074
27	HK$21,506
28	HK$21,944
29	HK$22,394
30	HK$22,855
31	HK$23,048
32	HK$23,242
33	HK$23,439
34	HK$23,635
35	HK$23,837
36	HK$24,584
37	HK$25,350
38	HK$26,145
39	HK$26,963
40	HK$27,806
41	HK$28,996
42	HK$30,234
43	HK$31,529
44	HK$32,875
45	HK$34,281
46	HK$36,133
47	HK$38,525
48	HK$41,073
49	HK$43,788
50	HK$46,683
51	HK$49,221
52	HK$51,302
53	HK$53,478
54	HK$55,740
55	HK$58,099
56	HK$61,061
57	HK$64,172
58	HK$67,441
59	HK$70,874
60	HK$74,484
61	HK$78,775
62	HK$83,309
63	HK$88,107
64	HK$93,182
65	HK$99,038
66	HK$103,669
67	HK$109,565
68	HK$114,654
69	HK$120,538
70	HK$123,751
71	HK$129,568
72	HK$134,997
73	HK$139,998
74	HK$144,510
75	HK$149,168
76	HK$153,341
77	HK$156,175
78	HK$159,048
79	HK$160,525
80	HK$162,016
81	HK$162,016
82	HK$162,016
83	HK$162,016
84	HK$162,016
85	HK$162,016
86	HK$162,016
87	HK$162,016
88	HK$162,016
89	HK$162,016
90	HK$162,016
91	HK$162,016
92	HK$162,016
93	HK$162,016
94	HK$162,016
95	HK$162,016
96	HK$162,016
97	HK$162,016
98	HK$162,016
99	HK$162,016

Other deductible options in this series

24 deductibles — same benefit schedule, premium scales with deductible

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: 2026-04-18

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.