VHIS Flexi · F00040-01-000-05

Bupa Hero VHIS Plan - Advance (HKD0 Deductible)

保柏非凡自願醫保計劃 - 智選（0 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$15,670 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$25,000,000

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	$150,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$2,000 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	$100,000 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	$650 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices 人工裝置	$100,000 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
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	$1,000,000 per Policy Year
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	$50,000 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
$150,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$2,000 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
$100,000 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
$650 per visit, maximum 20 visits per Policy Year
Medical implants / prosthetic devices
人工裝置
$100,000 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
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
$1,000,000 per Policy Year

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
$50,000 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$16,838
1	HK$16,838
2	HK$16,838
3	HK$16,838
4	HK$16,838
5	HK$16,838
6	HK$10,105
7	HK$10,264
8	HK$10,428
9	HK$10,595
10	HK$10,765
11	HK$10,939
12	HK$11,114
13	HK$11,292
14	HK$11,473
15	HK$11,655
16	HK$11,843
17	HK$12,030
18	HK$12,225
19	HK$12,523
20	HK$12,827
21	HK$13,140
22	HK$13,601
23	HK$14,072
24	HK$14,560
25	HK$14,915
26	HK$15,063
27	HK$15,212
28	HK$15,363
29	HK$15,514
30	HK$15,670
31	HK$16,040
32	HK$16,417
33	HK$16,804
34	HK$17,201
35	HK$17,605
36	HK$18,304
37	HK$19,032
38	HK$19,786
39	HK$20,572
40	HK$21,389
41	HK$22,253
42	HK$23,148
43	HK$24,084
44	HK$25,054
45	HK$26,065
46	HK$27,375
47	HK$28,750
48	HK$30,197
49	HK$31,716
50	HK$33,311
51	HK$35,049
52	HK$36,880
53	HK$38,808
54	HK$40,836
55	HK$42,969
56	HK$45,181
57	HK$47,509
58	HK$49,956
59	HK$52,530
60	HK$55,234
61	HK$57,950
62	HK$60,797
63	HK$63,784
64	HK$66,920
65	HK$70,207
66	HK$73,653
67	HK$77,267
68	HK$81,057
69	HK$85,036
70	HK$89,208
71	HK$92,210
72	HK$95,314
73	HK$98,524
74	HK$101,838
75	HK$105,267
76	HK$107,197
77	HK$109,165
78	HK$111,167
79	HK$113,206
80	HK$115,282
81	HK$115,282
82	HK$115,282
83	HK$115,282
84	HK$115,282
85	HK$115,282
86	HK$115,282
87	HK$115,282
88	HK$115,282
89	HK$115,282
90	HK$115,282
91	HK$115,282
92	HK$115,282
93	HK$115,282
94	HK$115,282
95	HK$115,282
96	HK$115,282
97	HK$115,282
98	HK$115,282
99	HK$115,282

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.