VHIS Flexi · F00040-15-000-03

Bupa Hero VHIS Plan - Deluxe Pro (HKD40,000 Deductible)

保柏非凡自願醫保計劃 - 倍尊尚（40,000 港元自付費）

Bupa (Asia) Limited

Add to compare

Your premium

HK$11,054 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$40,000

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$10,795
1	HK$10,795
2	HK$10,795
3	HK$10,795
4	HK$10,795
5	HK$10,795
6	HK$8,637
7	HK$8,669
8	HK$8,701
9	HK$8,736
10	HK$8,768
11	HK$8,801
12	HK$8,833
13	HK$8,865
14	HK$8,898
15	HK$8,932
16	HK$8,966
17	HK$8,997
18	HK$9,009
19	HK$9,058
20	HK$9,106
21	HK$9,156
22	HK$9,205
23	HK$9,257
24	HK$9,384
25	HK$9,591
26	HK$9,791
27	HK$10,063
28	HK$10,330
29	HK$10,589
30	HK$11,054
31	HK$11,302
32	HK$11,900
33	HK$12,531
34	HK$13,196
35	HK$13,894
36	HK$14,304
37	HK$14,724
38	HK$15,157
39	HK$15,604
40	HK$16,065
41	HK$16,884
42	HK$17,751
43	HK$18,657
44	HK$19,610
45	HK$20,612
46	HK$21,759
47	HK$22,972
48	HK$24,252
49	HK$25,600
50	HK$27,029
51	HK$28,363
52	HK$29,769
53	HK$31,243
54	HK$32,789
55	HK$34,411
56	HK$36,405
57	HK$38,514
58	HK$40,748
59	HK$43,109
60	HK$45,609
61	HK$48,130
62	HK$50,788
63	HK$53,597
64	HK$56,557
65	HK$59,681
66	HK$63,053
67	HK$66,618
68	HK$70,381
69	HK$74,357
70	HK$76,989
71	HK$78,538
72	HK$80,933
73	HK$83,396
74	HK$85,924
75	HK$88,518
76	HK$89,134
77	HK$89,745
78	HK$90,344
79	HK$90,942
80	HK$91,528
81	HK$91,528
82	HK$91,528
83	HK$91,528
84	HK$91,528
85	HK$91,528
86	HK$91,528
87	HK$91,528
88	HK$91,528
89	HK$91,528
90	HK$91,528
91	HK$91,528
92	HK$91,528
93	HK$91,528
94	HK$91,528
95	HK$91,528
96	HK$91,528
97	HK$91,528
98	HK$91,528
99	HK$91,528

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.