VHIS Flexi · F00040-07-000-05

Bupa Hero VHIS Plan - Deluxe (HKD40,000 Deductible)

保柏非凡自願醫保計劃 - 尊尚（40,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$9,951 /yr

age

Ward class

Standard Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$40,000

Annual benefit limit

HK$35,000,000

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	$180,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$3,150 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	$120,000 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	$750 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices 人工裝置	$120,000 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
Health check-up benefit 身體檢查保障	$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)
Organ transplant — Asia, Australia & New Zealand (excluding Hong Kong) 亞洲、澳洲及新西蘭 (香港除外) — 進行器官移植手術並按 1) 基本保障下保障項目(a) – (i)及(k)，以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額	$1,500,000 per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$2,400 per day
Event Benefits
Post-stroke home equipment upgrade 因中風而提升家居設備	$80,000 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
$180,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$3,150 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
$120,000 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
$750 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices
人工裝置
$120,000 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
Health check-up benefit
身體檢查保障
$4,800 per Policy Year (claim reimbursement up to $4,800; or one (1) free check-up at a designated clinic in Hong Kong)
Organ transplant — Asia, Australia & New Zealand (excluding Hong Kong)
亞洲、澳洲及新西蘭 (香港除外) — 進行器官移植手術並按 1) 基本保障下保障項目(a) – (i)及(k)，以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額
$1,500,000 per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$2,400 per day

Event Benefits

Post-stroke home equipment upgrade
因中風而提升家居設備
$80,000 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$9,717
1	HK$9,717
2	HK$9,717
3	HK$9,717
4	HK$9,717
5	HK$9,717
6	HK$7,773
7	HK$7,803
8	HK$7,833
9	HK$7,863
10	HK$7,890
11	HK$7,920
12	HK$7,951
13	HK$7,981
14	HK$8,011
15	HK$8,040
16	HK$8,069
17	HK$8,098
18	HK$8,109
19	HK$8,153
20	HK$8,196
21	HK$8,242
22	HK$8,287
23	HK$8,332
24	HK$8,447
25	HK$8,635
26	HK$8,812
27	HK$9,058
28	HK$9,298
29	HK$9,531
30	HK$9,951
31	HK$10,171
32	HK$10,712
33	HK$11,278
34	HK$11,878
35	HK$12,507
36	HK$12,875
37	HK$13,253
38	HK$13,644
39	HK$14,046
40	HK$14,459
41	HK$15,199
42	HK$15,978
43	HK$16,793
44	HK$17,649
45	HK$18,554
46	HK$19,586
47	HK$20,679
48	HK$21,829
49	HK$23,044
50	HK$24,328
51	HK$25,530
52	HK$26,793
53	HK$28,121
54	HK$29,513
55	HK$30,972
56	HK$32,767
57	HK$34,668
58	HK$36,677
59	HK$38,803
60	HK$41,051
61	HK$43,321
62	HK$45,714
63	HK$48,243
64	HK$50,906
65	HK$53,720
66	HK$56,755
67	HK$59,962
68	HK$63,350
69	HK$66,928
70	HK$69,297
71	HK$70,693
72	HK$72,850
73	HK$75,065
74	HK$77,340
75	HK$79,673
76	HK$80,228
77	HK$80,778
78	HK$81,318
79	HK$81,854
80	HK$82,384
81	HK$82,384
82	HK$82,384
83	HK$82,384
84	HK$82,384
85	HK$82,384
86	HK$82,384
87	HK$82,384
88	HK$82,384
89	HK$82,384
90	HK$82,384
91	HK$82,384
92	HK$82,384
93	HK$82,384
94	HK$82,384
95	HK$82,384
96	HK$82,384
97	HK$82,384
98	HK$82,384
99	HK$82,384

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.