VHIS Flexi · F00040-24-000-02

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

保柏非凡自願醫保計劃 - 倍精選（80,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$2,992 /yr

age

Ward class

Ward

Coverage region

Worldwide (excluding United States)

Deductible

HK$80,000

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$2,274
1	HK$2,274
2	HK$2,274
3	HK$2,274
4	HK$2,274
5	HK$2,096
6	HK$2,096
7	HK$2,096
8	HK$2,096
9	HK$2,096
10	HK$2,096
11	HK$2,096
12	HK$2,096
13	HK$2,096
14	HK$2,096
15	HK$1,966
16	HK$1,977
17	HK$1,988
18	HK$2,001
19	HK$2,017
20	HK$2,036
21	HK$2,123
22	HK$2,213
23	HK$2,309
24	HK$2,409
25	HK$2,511
26	HK$2,597
27	HK$2,687
28	HK$2,782
29	HK$2,883
30	HK$2,992
31	HK$3,090
32	HK$3,193
33	HK$3,301
34	HK$3,371
35	HK$3,543
36	HK$3,698
37	HK$3,867
38	HK$4,054
39	HK$4,258
40	HK$4,477
41	HK$4,733
42	HK$5,007
43	HK$5,291
44	HK$5,597
45	HK$5,919
46	HK$6,208
47	HK$6,513
48	HK$6,828
49	HK$7,161
50	HK$7,507
51	HK$7,868
52	HK$8,238
53	HK$8,612
54	HK$8,995
55	HK$9,411
56	HK$9,861
57	HK$10,330
58	HK$10,823
59	HK$11,345
60	HK$12,087
61	HK$12,909
62	HK$13,797
63	HK$14,500
64	HK$15,250
65	HK$16,088
66	HK$16,920
67	HK$17,803
68	HK$18,745
69	HK$19,732
70	HK$20,550
71	HK$21,881
72	HK$23,051
73	HK$24,262
74	HK$25,532
75	HK$26,892
76	HK$28,164
77	HK$29,497
78	HK$30,888
79	HK$32,349
80	HK$33,881
81	HK$33,881
82	HK$33,881
83	HK$33,881
84	HK$33,881
85	HK$33,881
86	HK$33,881
87	HK$33,881
88	HK$33,881
89	HK$33,881
90	HK$33,881
91	HK$33,881
92	HK$33,881
93	HK$33,881
94	HK$33,881
95	HK$33,881
96	HK$33,881
97	HK$33,881
98	HK$33,881
99	HK$33,881

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.