VHIS Flexi · F00040-21-000-02

Bupa Hero VHIS Plan - Core Pro (HKD0 Deductible)

保柏非凡自願醫保計劃 - 倍精選（0 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$8,650 /yr

age

Ward class

Ward

Coverage region

Worldwide (excluding United States)

Deductible

Annual benefit limit

HK$10,000,000

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 30 days before Confinement/Day Case Procedure;• 2 outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure;• 30 follow-up outpatient visits within 90 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	$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$1,500 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	$80,000 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	$550 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices 人工裝置	$80,000 per device per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$600 per day
Event Benefits
Post-stroke home equipment upgrade 因中風而提升家居設備	$40,000 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 30 days before Confinement/Day Case Procedure;• 2 outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure;• 30 follow-up outpatient visits within 90 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
$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$1,500 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
$80,000 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
$550 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices
人工裝置
$80,000 per device per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$600 per day

Event Benefits

Post-stroke home equipment upgrade
因中風而提升家居設備
$40,000 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$7,027
1	HK$7,027
2	HK$7,027
3	HK$7,027
4	HK$7,027
5	HK$6,388
6	HK$6,388
7	HK$6,388
8	HK$6,388
9	HK$6,388
10	HK$6,388
11	HK$6,388
12	HK$6,388
13	HK$6,388
14	HK$6,388
15	HK$5,856
16	HK$5,879
17	HK$5,902
18	HK$5,932
19	HK$5,962
20	HK$5,988
21	HK$6,228
22	HK$6,478
23	HK$6,742
24	HK$7,026
25	HK$7,319
26	HK$7,561
27	HK$7,810
28	HK$8,076
29	HK$8,350
30	HK$8,650
31	HK$8,901
32	HK$9,159
33	HK$9,425
34	HK$9,698
35	HK$9,981
36	HK$10,340
37	HK$10,734
38	HK$11,162
39	HK$11,620
40	HK$12,111
41	HK$12,656
42	HK$13,225
43	HK$13,834
44	HK$14,484
45	HK$15,177
46	HK$15,709
47	HK$16,289
48	HK$16,908
49	HK$17,551
50	HK$18,226
51	HK$18,937
52	HK$19,675
53	HK$20,462
54	HK$21,342
55	HK$22,286
56	HK$23,289
57	HK$24,361
58	HK$25,481
59	HK$26,730
60	HK$28,066
61	HK$29,470
62	HK$30,944
63	HK$32,491
64	HK$34,116
65	HK$35,821
66	HK$37,613
67	HK$39,493
68	HK$41,468
69	HK$43,541
70	HK$45,718
71	HK$48,004
72	HK$50,404
73	HK$52,924
74	HK$55,571
75	HK$58,350
76	HK$61,266
77	HK$64,330
78	HK$67,546
79	HK$70,924
80	HK$74,470
81	HK$74,470
82	HK$74,470
83	HK$74,470
84	HK$74,470
85	HK$74,470
86	HK$74,470
87	HK$74,470
88	HK$74,470
89	HK$74,470
90	HK$74,470
91	HK$74,470
92	HK$74,470
93	HK$74,470
94	HK$74,470
95	HK$74,470
96	HK$74,470
97	HK$74,470
98	HK$74,470
99	HK$74,470

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: 2026-04-20

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.