Bupa Hero VHIS Plan - Core (HKD50,000 Deductible)

保柏非凡自願醫保計劃 - 精選（50,000 港元自付費）

Bupa Hero VHIS Plan - Core (HKD50,000 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 HK$50,000 deductible. Latest plan-document version: Mar 2, 2026.

VHIS FlexiF00040-19-000-02

Plan at a glance

Ward class: Ward
Coverage region: Asia incl. AU/NZ
Deductible: HK$50,000
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$2,310
1	HK$2,310
2	HK$2,310
3	HK$2,310
4	HK$2,310
5	HK$2,099
6	HK$2,099
7	HK$2,099
8	HK$2,099
9	HK$2,099
10	HK$2,099
11	HK$2,099
12	HK$2,099
13	HK$2,099
14	HK$2,099
15	HK$1,929
16	HK$1,937
17	HK$1,945
18	HK$1,952
19	HK$1,962
20	HK$1,972
21	HK$2,052
22	HK$2,134
23	HK$2,222
24	HK$2,314
25	HK$2,410
26	HK$2,491
27	HK$2,573
28	HK$2,660
29	HK$2,745
30	HK$2,843
31	HK$2,925
32	HK$3,011
33	HK$3,097
34	HK$3,187
35	HK$3,281
36	HK$3,399
37	HK$3,528
38	HK$3,670
39	HK$3,820
40	HK$3,981
41	HK$4,173
42	HK$4,372
43	HK$4,582
44	HK$4,806
45	HK$5,041
46	HK$5,238
47	HK$5,443
48	HK$5,654
49	HK$5,880
50	HK$6,115
51	HK$6,365
52	HK$6,626
53	HK$6,912
54	HK$7,216
55	HK$7,547
56	HK$7,909
57	HK$8,288
58	HK$8,687
59	HK$9,112
60	HK$9,565
61	HK$10,043
62	HK$10,546
63	HK$11,073
64	HK$11,627
65	HK$12,602
66	HK$13,232
67	HK$14,044
68	HK$14,860
69	HK$15,739
70	HK$16,670
71	HK$17,651
72	HK$18,675
73	HK$19,703
74	HK$20,734
75	HK$21,811
76	HK$22,946
77	HK$23,949
78	HK$25,202
79	HK$26,513
80	HK$27,890
81	HK$27,890
82	HK$27,890
83	HK$27,890
84	HK$27,890
85	HK$27,890
86	HK$27,890
87	HK$27,890
88	HK$27,890
89	HK$27,890
90	HK$27,890
91	HK$27,890
92	HK$27,890
93	HK$27,890
94	HK$27,890
95	HK$27,890
96	HK$27,890
97	HK$27,890
98	HK$27,890
99	HK$27,890

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 (HKD50,000 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