VHIS Flexi · F00040-18-000-02

Bupa Hero VHIS Plan - Core (HKD15,000 Deductible)

保柏非凡自願醫保計劃 - 精選（15,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$4,573 /yr

age

Ward class

Ward

Coverage region

Asia incl. AU/NZ

Deductible

HK$15,000

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$3,715
1	HK$3,715
2	HK$3,715
3	HK$3,715
4	HK$3,715
5	HK$3,377
6	HK$3,377
7	HK$3,377
8	HK$3,377
9	HK$3,377
10	HK$3,377
11	HK$3,377
12	HK$3,377
13	HK$3,377
14	HK$3,377
15	HK$3,096
16	HK$3,109
17	HK$3,121
18	HK$3,133
19	HK$3,149
20	HK$3,166
21	HK$3,293
22	HK$3,425
23	HK$3,565
24	HK$3,714
25	HK$3,870
26	HK$3,997
27	HK$4,129
28	HK$4,269
29	HK$4,415
30	HK$4,573
31	HK$4,706
32	HK$4,842
33	HK$4,983
34	HK$5,127
35	HK$5,277
36	HK$5,467
37	HK$5,674
38	HK$5,902
39	HK$6,144
40	HK$6,404
41	HK$6,710
42	HK$7,056
43	HK$7,455
44	HK$7,820
45	HK$8,202
46	HK$8,521
47	HK$8,854
48	HK$9,199
49	HK$9,567
50	HK$9,949
51	HK$10,357
52	HK$10,781
53	HK$11,246
54	HK$11,740
55	HK$12,279
56	HK$12,869
57	HK$13,486
58	HK$14,134
59	HK$14,826
60	HK$15,562
61	HK$16,340
62	HK$17,157
63	HK$18,015
64	HK$18,916
65	HK$19,861
66	HK$20,854
67	HK$21,897
68	HK$22,992
69	HK$24,142
70	HK$25,348
71	HK$26,616
72	HK$27,947
73	HK$29,345
74	HK$30,811
75	HK$32,352
76	HK$33,969
77	HK$35,668
78	HK$37,452
79	HK$39,324
80	HK$41,291
81	HK$41,291
82	HK$41,291
83	HK$41,291
84	HK$41,291
85	HK$41,291
86	HK$41,291
87	HK$41,291
88	HK$41,291
89	HK$41,291
90	HK$41,291
91	HK$41,291
92	HK$41,291
93	HK$41,291
94	HK$41,291
95	HK$41,291
96	HK$41,291
97	HK$41,291
98	HK$41,291
99	HK$41,291

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: 2026-04-19

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.