VHIS Flexi · F00040-14-000-03

Bupa Hero VHIS Plan - Deluxe Pro (HKD12,000 Deductible)

保柏非凡自願醫保計劃 - 倍尊尚（12,000 港元自付費）

Bupa (Asia) Limited

Add to compare

Your premium

HK$13,729 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

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	$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$15,515
1	HK$15,515
2	HK$15,515
3	HK$15,515
4	HK$15,515
5	HK$15,515
6	HK$10,344
7	HK$10,454
8	HK$10,567
9	HK$10,681
10	HK$10,797
11	HK$10,914
12	HK$11,031
13	HK$11,149
14	HK$11,268
15	HK$11,390
16	HK$11,511
17	HK$11,636
18	HK$11,664
19	HK$11,754
20	HK$11,847
21	HK$11,937
22	HK$12,029
23	HK$12,123
24	HK$12,216
25	HK$12,312
26	HK$12,322
27	HK$12,384
28	HK$12,818
29	HK$13,265
30	HK$13,729
31	HK$14,401
32	HK$15,107
33	HK$15,842
34	HK$16,618
35	HK$17,430
36	HK$18,264
37	HK$19,137
38	HK$20,049
39	HK$21,007
40	HK$22,012
41	HK$22,832
42	HK$23,686
43	HK$24,568
44	HK$25,484
45	HK$26,437
46	HK$27,530
47	HK$28,670
48	HK$29,857
49	HK$31,095
50	HK$32,381
51	HK$33,952
52	HK$35,601
53	HK$37,327
54	HK$39,140
55	HK$41,040
56	HK$43,155
57	HK$45,375
58	HK$47,710
59	HK$50,166
60	HK$52,747
61	HK$56,005
62	HK$59,460
63	HK$63,131
64	HK$67,026
65	HK$71,162
66	HK$75,498
67	HK$80,097
68	HK$84,976
69	HK$90,154
70	HK$94,689
71	HK$96,948
72	HK$99,251
73	HK$101,597
74	HK$103,988
75	HK$106,420
76	HK$107,763
77	HK$109,114
78	HK$110,484
79	HK$111,863
80	HK$113,262
81	HK$113,262
82	HK$113,262
83	HK$113,262
84	HK$113,262
85	HK$113,262
86	HK$113,262
87	HK$113,262
88	HK$113,262
89	HK$113,262
90	HK$113,262
91	HK$113,262
92	HK$113,262
93	HK$113,262
94	HK$113,262
95	HK$113,262
96	HK$113,262
97	HK$113,262
98	HK$113,262
99	HK$113,262

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.