VHIS Flexi · F00040-20-000-02

Bupa Hero VHIS Plan - Core (HKD80,000 Deductible)

保柏非凡自願醫保計劃 - 精選（80,000 港元自付費）

Bupa (Asia) Limited

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Your premium

HK$2,442 /yr

age

Ward class

Ward

Coverage region

Asia incl. AU/NZ

Deductible

HK$80,000

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$1,945
1	HK$1,945
2	HK$1,945
3	HK$1,945
4	HK$1,945
5	HK$1,769
6	HK$1,769
7	HK$1,769
8	HK$1,769
9	HK$1,769
10	HK$1,769
11	HK$1,769
12	HK$1,769
13	HK$1,769
14	HK$1,769
15	HK$1,653
16	HK$1,659
17	HK$1,667
18	HK$1,673
19	HK$1,681
20	HK$1,690
21	HK$1,758
22	HK$1,828
23	HK$1,903
24	HK$1,984
25	HK$2,066
26	HK$2,134
27	HK$2,205
28	HK$2,279
29	HK$2,358
30	HK$2,442
31	HK$2,513
32	HK$2,585
33	HK$2,660
34	HK$2,738
35	HK$2,818
36	HK$2,919
37	HK$3,030
38	HK$3,151
39	HK$3,281
40	HK$3,419
41	HK$3,583
42	HK$3,755
43	HK$3,936
44	HK$4,128
45	HK$4,329
46	HK$4,498
47	HK$4,674
48	HK$4,856
49	HK$5,050
50	HK$5,252
51	HK$5,467
52	HK$5,692
53	HK$5,936
54	HK$6,198
55	HK$6,482
56	HK$6,793
57	HK$7,119
58	HK$7,460
59	HK$7,826
60	HK$8,378
61	HK$8,972
62	HK$9,618
63	HK$10,099
64	HK$10,604
65	HK$11,134
66	HK$11,691
67	HK$12,276
68	HK$12,888
69	HK$13,533
70	HK$14,014
71	HK$14,921
72	HK$15,666
73	HK$16,450
74	HK$17,272
75	HK$18,136
76	HK$19,043
77	HK$19,995
78	HK$20,994
79	HK$22,044
80	HK$23,146
81	HK$23,146
82	HK$23,146
83	HK$23,146
84	HK$23,146
85	HK$23,146
86	HK$23,146
87	HK$23,146
88	HK$23,146
89	HK$23,146
90	HK$23,146
91	HK$23,146
92	HK$23,146
93	HK$23,146
94	HK$23,146
95	HK$23,146
96	HK$23,146
97	HK$23,146
98	HK$23,146
99	HK$23,146

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.