VHIS Flexi · F00040-16-000-03

Bupa Hero VHIS Plan - Deluxe Pro (HKD80,000 Deductible)

保柏非凡自願醫保計劃 - 倍尊尚（80,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$8,163 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$80,000

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$7,465
1	HK$7,465
2	HK$7,465
3	HK$7,465
4	HK$7,465
5	HK$7,465
6	HK$5,364
7	HK$5,413
8	HK$5,462
9	HK$5,510
10	HK$5,558
11	HK$5,608
12	HK$5,659
13	HK$5,708
14	HK$5,760
15	HK$5,811
16	HK$5,860
17	HK$5,914
18	HK$5,964
19	HK$6,007
20	HK$6,041
21	HK$6,198
22	HK$6,354
23	HK$6,513
24	HK$6,668
25	HK$6,828
26	HK$7,014
27	HK$7,198
28	HK$7,385
29	HK$7,763
30	HK$8,163
31	HK$8,523
32	HK$8,895
33	HK$9,289
34	HK$9,697
35	HK$10,123
36	HK$10,442
37	HK$10,772
38	HK$11,113
39	HK$11,464
40	HK$11,826
41	HK$12,457
42	HK$13,118
43	HK$13,815
44	HK$14,549
45	HK$15,322
46	HK$16,208
47	HK$17,140
48	HK$18,129
49	HK$19,171
50	HK$20,279
51	HK$21,317
52	HK$22,410
53	HK$23,560
54	HK$24,770
55	HK$26,040
56	HK$27,593
57	HK$29,242
58	HK$30,989
59	HK$32,838
60	HK$34,797
61	HK$36,776
62	HK$38,868
63	HK$41,078
64	HK$43,413
65	HK$45,881
66	HK$48,804
67	HK$51,914
68	HK$55,220
69	HK$58,738
70	HK$61,858
71	HK$64,144
72	HK$66,508
73	HK$68,955
74	HK$71,482
75	HK$74,091
76	HK$74,626
77	HK$75,158
78	HK$75,680
79	HK$76,199
80	HK$76,712
81	HK$76,712
82	HK$76,712
83	HK$76,712
84	HK$76,712
85	HK$76,712
86	HK$76,712
87	HK$76,712
88	HK$76,712
89	HK$76,712
90	HK$76,712
91	HK$76,712
92	HK$76,712
93	HK$76,712
94	HK$76,712
95	HK$76,712
96	HK$76,712
97	HK$76,712
98	HK$76,712
99	HK$76,712

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.