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

保柏非凡自願醫保計劃 - 智選（40,000 港元自付費）

Bupa Hero VHIS Plan - Advance (HKD40,000 Deductible) is a VHIS Flexi plan offered by Bupa (Asia) Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$25,000,000 annual benefit limit and HK$40,000 deductible. Latest plan-document version: Mar 2, 2026.

VHIS FlexiF00040-03-000-05

Plan at a glance

Ward class: Semi-Private Room
Coverage region: Asia incl. AU/NZ
Deductible: HK$40,000
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
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
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
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

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$8,041
1	HK$8,041
2	HK$8,041
3	HK$8,041
4	HK$8,041
5	HK$8,041
6	HK$5,629
7	HK$5,632
8	HK$5,634
9	HK$5,637
10	HK$5,639
11	HK$5,643
12	HK$5,645
13	HK$5,647
14	HK$5,650
15	HK$5,655
16	HK$5,658
17	HK$5,660
18	HK$5,661
19	HK$5,747
20	HK$5,835
21	HK$5,954
22	HK$6,076
23	HK$6,200
24	HK$6,324
25	HK$6,421
26	HK$6,506
27	HK$6,589
28	HK$6,674
29	HK$6,757
30	HK$6,847
31	HK$7,211
32	HK$7,595
33	HK$8,000
34	HK$8,428
35	HK$8,877
36	HK$9,000
37	HK$9,126
38	HK$9,344
39	HK$9,571
40	HK$9,798
41	HK$10,194
42	HK$10,710
43	HK$11,143
44	HK$11,649
45	HK$12,178
46	HK$12,750
47	HK$13,346
48	HK$13,973
49	HK$14,628
50	HK$15,311
51	HK$16,282
52	HK$17,313
53	HK$18,407
54	HK$19,573
55	HK$20,811
56	HK$22,137
57	HK$23,462
58	HK$24,656
59	HK$25,909
60	HK$27,321
61	HK$28,333
62	HK$29,913
63	HK$32,221
64	HK$34,549
65	HK$37,011
66	HK$39,717
67	HK$42,450
68	HK$44,921
69	HK$47,249
70	HK$49,704
71	HK$51,376
72	HK$53,106
73	HK$54,893
74	HK$56,741
75	HK$58,652
76	HK$59,728
77	HK$60,824
78	HK$61,286
79	HK$61,747
80	HK$62,204
81	HK$62,204
82	HK$62,204
83	HK$62,204
84	HK$62,204
85	HK$62,204
86	HK$62,204
87	HK$62,204
88	HK$62,204
89	HK$62,204
90	HK$62,204
91	HK$62,204
92	HK$62,204
93	HK$62,204
94	HK$62,204
95	HK$62,204
96	HK$62,204
97	HK$62,204
98	HK$62,204
99	HK$62,204

How to apply for this plan

This plan is offered by Bupa (Asia) Limited. To apply, contact Bupa (Asia) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

24 deductibles — same benefit schedule, premium scales with deductible

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Mar 2, 2026
Plan data updated: 2026-04-18

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

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款