Bupa Hero VHIS Plan - Core (HKD0 Deductible)

保柏非凡自願醫保計劃 - 精選（0 港元自付費）

Bupa Hero VHIS Plan - Core (HKD0 Deductible) is a VHIS Flexi plan offered by Bupa (Asia) Limited, with ward class Ward, Asia incl. AU/NZ coverage, HK$5,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Mar 2, 2026.

VHIS FlexiF00040-17-000-02

Plan at a glance

Ward class: Ward
Coverage region: Asia incl. AU/NZ
Deductible: $0
Annual benefit limit: HK$5,000,000
Per-illness annual limit: —
Lifetime benefit limit: —
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 ExpensesR&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;• 20 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
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)的總保障限額	$420,000 per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 第二索償現金津貼	$600 per day

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 ExpensesR&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;• 20 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

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)的總保障限額
$420,000 per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
第二索償現金津貼
$600 per day

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$6,110
1	HK$6,110
2	HK$6,110
3	HK$6,110
4	HK$6,110
5	HK$5,555
6	HK$5,555
7	HK$5,555
8	HK$5,555
9	HK$5,555
10	HK$5,555
11	HK$5,555
12	HK$5,555
13	HK$5,555
14	HK$5,555
15	HK$5,091
16	HK$5,112
17	HK$5,132
18	HK$5,153
19	HK$5,179
20	HK$5,208
21	HK$5,416
22	HK$5,632
23	HK$5,863
24	HK$6,110
25	HK$6,364
26	HK$6,574
27	HK$6,792
28	HK$7,023
29	HK$7,262
30	HK$7,522
31	HK$7,740
32	HK$7,964
33	HK$8,196
34	HK$8,433
35	HK$8,679
36	HK$8,992
37	HK$9,333
38	HK$9,707
39	HK$10,104
40	HK$10,532
41	HK$11,036
42	HK$11,567
43	HK$12,122
44	HK$12,715
45	HK$13,336
46	HK$13,857
47	HK$14,396
48	HK$14,958
49	HK$15,556
50	HK$16,177
51	HK$16,841
52	HK$17,531
53	HK$18,285
54	HK$19,089
55	HK$19,966
56	HK$20,924
57	HK$21,929
58	HK$22,981
59	HK$24,107
60	HK$25,304
61	HK$26,569
62	HK$27,898
63	HK$29,292
64	HK$30,757
65	HK$32,295
66	HK$33,910
67	HK$35,605
68	HK$37,386
69	HK$39,254
70	HK$41,218
71	HK$43,279
72	HK$45,443
73	HK$47,715
74	HK$50,100
75	HK$52,605
76	HK$55,236
77	HK$57,997
78	HK$60,897
79	HK$63,941
80	HK$67,138
81	HK$67,138
82	HK$67,138
83	HK$67,138
84	HK$67,138
85	HK$67,138
86	HK$67,138
87	HK$67,138
88	HK$67,138
89	HK$67,138
90	HK$67,138
91	HK$67,138
92	HK$67,138
93	HK$67,138
94	HK$67,138
95	HK$67,138
96	HK$67,138
97	HK$67,138
98	HK$67,138
99	HK$67,138

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: 2026-04-19

Bupa Hero VHIS Plan - Core (HKD0 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