VHIS Flexi · F00040-12-000-03

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

保柏非凡自願醫保計劃 - 倍智選（80,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$5,059 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$80,000

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$5,899
1	HK$5,899
2	HK$5,899
3	HK$5,899
4	HK$5,899
5	HK$5,899
6	HK$3,540
7	HK$3,608
8	HK$3,680
9	HK$3,749
10	HK$3,821
11	HK$3,894
12	HK$3,969
13	HK$4,043
14	HK$4,122
15	HK$4,201
16	HK$4,281
17	HK$4,367
18	HK$4,448
19	HK$4,501
20	HK$4,556
21	HK$4,610
22	HK$4,663
23	HK$4,717
24	HK$4,773
25	HK$4,830
26	HK$4,875
27	HK$4,919
28	HK$4,965
29	HK$5,012
30	HK$5,059
31	HK$5,384
32	HK$5,729
33	HK$6,100
34	HK$6,495
35	HK$6,913
36	HK$7,069
37	HK$7,224
38	HK$7,386
39	HK$7,552
40	HK$7,720
41	HK$8,129
42	HK$8,559
43	HK$9,012
44	HK$9,491
45	HK$9,994
46	HK$10,486
47	HK$10,999
48	HK$11,540
49	HK$12,108
50	HK$12,701
51	HK$13,508
52	HK$14,370
53	HK$15,285
54	HK$16,257
55	HK$17,295
56	HK$18,401
57	HK$19,645
58	HK$20,970
59	HK$22,386
60	HK$23,898
61	HK$25,501
62	HK$27,287
63	HK$29,203
64	HK$31,249
65	HK$33,441
66	HK$35,355
67	HK$37,151
68	HK$39,041
69	HK$41,025
70	HK$43,110
71	HK$44,560
72	HK$46,058
73	HK$47,611
74	HK$49,214
75	HK$50,871
76	HK$51,803
77	HK$52,752
78	HK$53,721
79	HK$54,707
80	HK$55,708
81	HK$55,708
82	HK$55,708
83	HK$55,708
84	HK$55,708
85	HK$55,708
86	HK$55,708
87	HK$55,708
88	HK$55,708
89	HK$55,708
90	HK$55,708
91	HK$55,708
92	HK$55,708
93	HK$55,708
94	HK$55,708
95	HK$55,708
96	HK$55,708
97	HK$55,708
98	HK$55,708
99	HK$55,708

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.