VHIS Flexi · F00040-09-000-03

Bupa Hero VHIS Plan - Advance Pro (HKD0 Deductible)

保柏非凡自願醫保計劃 - 倍智選（0 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$17,612 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

Deductible

Annual benefit limit

HK$30,000,000

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	$165,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$2,300 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	$110,000 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	$700 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices 人工裝置	$110,000 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
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$1,260 per day
Event Benefits
Post-stroke home equipment upgrade 因中風而提升家居設備	$60,000 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
$165,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$2,300 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
$110,000 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
$700 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices
人工裝置
$110,000 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

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$1,260 per day

Event Benefits

Post-stroke home equipment upgrade
因中風而提升家居設備
$60,000 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$18,926
1	HK$18,926
2	HK$18,926
3	HK$18,926
4	HK$18,926
5	HK$18,926
6	HK$11,356
7	HK$11,536
8	HK$11,721
9	HK$11,909
10	HK$12,098
11	HK$12,294
12	HK$12,490
13	HK$12,691
14	HK$12,896
15	HK$13,100
16	HK$13,310
17	HK$13,521
18	HK$13,739
19	HK$14,075
20	HK$14,419
21	HK$14,768
22	HK$15,287
23	HK$15,817
24	HK$16,364
25	HK$16,766
26	HK$16,930
27	HK$17,098
28	HK$17,268
29	HK$17,438
30	HK$17,612
31	HK$18,028
32	HK$18,453
33	HK$18,888
34	HK$19,333
35	HK$19,788
36	HK$20,574
37	HK$21,394
38	HK$22,241
39	HK$23,124
40	HK$24,041
41	HK$25,013
42	HK$26,018
43	HK$27,070
44	HK$28,161
45	HK$29,297
46	HK$30,770
47	HK$32,316
48	HK$33,939
49	HK$35,650
50	HK$37,439
51	HK$39,397
52	HK$41,455
53	HK$43,622
54	HK$45,901
55	HK$48,296
56	HK$50,785
57	HK$53,400
58	HK$56,152
59	HK$59,042
60	HK$62,085
61	HK$65,134
62	HK$68,335
63	HK$71,691
64	HK$75,216
65	HK$78,913
66	HK$82,786
67	HK$86,847
68	HK$91,108
69	HK$95,581
70	HK$100,270
71	HK$103,643
72	HK$107,132
73	HK$110,739
74	HK$114,467
75	HK$118,320
76	HK$120,491
77	HK$122,699
78	HK$124,951
79	HK$127,244
80	HK$129,577
81	HK$129,577
82	HK$129,577
83	HK$129,577
84	HK$129,577
85	HK$129,577
86	HK$129,577
87	HK$129,577
88	HK$129,577
89	HK$129,577
90	HK$129,577
91	HK$129,577
92	HK$129,577
93	HK$129,577
94	HK$129,577
95	HK$129,577
96	HK$129,577
97	HK$129,577
98	HK$129,577
99	HK$129,577

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.