VHIS Flexi · F00040-02-000-05

Bupa Hero VHIS Plan - Advance (HKD12,000 Deductible)

保柏非凡自願醫保計劃 - 智選（12,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$9,288 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$12,000

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$9,942
1	HK$9,942
2	HK$9,942
3	HK$9,942
4	HK$9,942
5	HK$9,942
6	HK$5,965
7	HK$6,017
8	HK$6,066
9	HK$6,118
10	HK$6,172
11	HK$6,223
12	HK$6,275
13	HK$6,330
14	HK$6,383
15	HK$6,437
16	HK$6,492
17	HK$6,547
18	HK$6,604
19	HK$6,703
20	HK$6,808
21	HK$6,983
22	HK$7,165
23	HK$7,385
24	HK$7,594
25	HK$7,809
26	HK$8,069
27	HK$8,337
28	HK$8,614
29	HK$8,899
30	HK$9,288
31	HK$9,632
32	HK$9,839
33	HK$10,050
34	HK$10,266
35	HK$10,488
36	HK$10,835
37	HK$11,194
38	HK$11,565
39	HK$11,946
40	HK$12,342
41	HK$12,932
42	HK$13,551
43	HK$14,198
44	HK$14,877
45	HK$15,586
46	HK$16,336
47	HK$17,118
48	HK$17,937
49	HK$18,797
50	HK$19,699
51	HK$20,580
52	HK$21,490
53	HK$22,433
54	HK$23,405
55	HK$24,407
56	HK$25,656
57	HK$26,956
58	HK$28,306
59	HK$29,343
60	HK$31,156
61	HK$33,139
62	HK$35,459
63	HK$37,943
64	HK$40,603
65	HK$43,446
66	HK$45,926
67	HK$48,260
68	HK$50,393
69	HK$52,618
70	HK$55,287
71	HK$57,872
72	HK$60,569
73	HK$63,381
74	HK$66,312
75	HK$69,370
76	HK$71,485
77	HK$72,794
78	HK$74,131
79	HK$75,492
80	HK$76,876
81	HK$76,876
82	HK$76,876
83	HK$76,876
84	HK$76,876
85	HK$76,876
86	HK$76,876
87	HK$76,876
88	HK$76,876
89	HK$76,876
90	HK$76,876
91	HK$76,876
92	HK$76,876
93	HK$76,876
94	HK$76,876
95	HK$76,876
96	HK$76,876
97	HK$76,876
98	HK$76,876
99	HK$76,876

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.