VHIS Flexi · F00040-22-000-02

Bupa Hero VHIS Plan - Core Pro (HKD15,000 Deductible)

保柏非凡自願醫保計劃 - 倍精選（15,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$5,294 /yr

age

Ward class

Ward

Coverage region

Worldwide (excluding United States)

Deductible

HK$15,000

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$4,280
1	HK$4,280
2	HK$4,280
3	HK$4,280
4	HK$4,280
5	HK$3,895
6	HK$3,895
7	HK$3,895
8	HK$3,895
9	HK$3,895
10	HK$3,895
11	HK$3,895
12	HK$3,895
13	HK$3,895
14	HK$3,895
15	HK$3,572
16	HK$3,587
17	HK$3,602
18	HK$3,617
19	HK$3,637
20	HK$3,659
21	HK$3,806
22	HK$3,959
23	HK$4,122
24	HK$4,296
25	HK$4,475
26	HK$4,624
27	HK$4,777
28	HK$4,940
29	HK$5,109
30	HK$5,294
31	HK$5,450
32	HK$5,609
33	HK$5,775
34	HK$5,947
35	HK$6,125
36	HK$6,351
37	HK$6,597
38	HK$6,867
39	HK$7,156
40	HK$7,465
41	HK$7,832
42	HK$8,243
43	HK$8,717
44	HK$9,153
45	HK$9,608
46	HK$9,994
47	HK$10,395
48	HK$10,812
49	HK$11,256
50	HK$11,716
51	HK$12,207
52	HK$12,716
53	HK$13,266
54	HK$13,851
55	HK$14,488
56	HK$15,183
57	HK$15,910
58	HK$16,674
59	HK$17,489
60	HK$18,356
61	HK$19,276
62	HK$20,244
63	HK$21,258
64	HK$22,326
65	HK$23,456
66	HK$24,635
67	HK$25,873
68	HK$27,177
69	HK$28,544
70	HK$29,982
71	HK$31,494
72	HK$33,084
73	HK$34,748
74	HK$36,496
75	HK$38,337
76	HK$40,240
77	HK$42,238
78	HK$44,334
79	HK$46,535
80	HK$48,846
81	HK$48,846
82	HK$48,846
83	HK$48,846
84	HK$48,846
85	HK$48,846
86	HK$48,846
87	HK$48,846
88	HK$48,846
89	HK$48,846
90	HK$48,846
91	HK$48,846
92	HK$48,846
93	HK$48,846
94	HK$48,846
95	HK$48,846
96	HK$48,846
97	HK$48,846
98	HK$48,846
99	HK$48,846

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.