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VHIS Information

VHIS Information

The Food and Health Bureau (FHB) launched the Voluntary Health Insurance Scheme (VHIS) in April 2019. Bupa has registered as a VHIS provider. The effective date of Bupa's registration is 28 February 2019 and our registration number is 00020.

The Bupa MyBasic VHIS Plan (Standard Plan), Bupa MyFlexi VHIS Plan (Flexi Plan) and Bupa Hero VHIS Plan (Flexi Plan) are certified by FHB. Click “Learn more” to view the plan details.



Bupa Hero VHIS Plan

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Bupa MyFlexi VHIS Plan

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Bupa MyBasic VHIS Plan

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In addition to the above 3 VHIS Plans, Bupa has launched the Global Prestige VHIS Plan (certified by FHB) exclusively made for esteemed customers of Hang Seng Bank Limited (“Hang Seng Bank”). Hang Seng Bank is the exclusive distributor of this plan in Hong Kong. For details of this plan, please visit hangseng.com/vhis-flexi or visit any Hang Seng Bank branches.



Global Prestige VHIS Plan

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Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the Food and Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HK$8,000 per insured person each year. These persons must be included in the list of “specified relatives” in Inland Revenue Ordinance (Cap. 112).

You can claim the deduction in the same tax year when the premium was paid. The deduction is available for Certified Plans with policy effective date of 1 April 2019 or later, but not any other optional benefits. There is no limit on the number of insured persons and/or policies claimed by each taxpayer. Policies purchased for a domestic partner, grandchild(ren) or domestic partner’s parents/children are not eligible for tax deduction.

For details about tax deduction, take a look at tax deduction FAQs (PDF, 897KB).

When you apply for an insurance policy (or make changes to your existing policy), the insurance company reviews your personal details (age, occupation, etc.), including your medical history. This is called underwriting.

To learn more about underwriting at Bupa, please visit What is underwriting?.

Some of the terms used in the policy documents of our VHIS plans are different than the terms in our other Bupa insurance plans. Take a look at our glossary(PDF, 0.18MB) to learn more.

You can contact the VHIS Office of the Food and Health Bureau at vhis_enquiry@fhb.gov.hk about:

  • VHIS product availability
  • Features of VHIS Certified Plans
  • Compliance with the Code of Practice

Please contact the Insurance Authority about the conduct of insurance companies and intermediaries.

Please contact the Inland Revenue Department with questions about tax deduction.

For more information about VHIS, please visit https://www.vhis.gov.hk or check out All you need to know about VHIS.

Inclusion of value-added taxes and goods and services taxes as Eligible Expenses under VHIS Certified Plans

With respect of any Eligible Expenses under the VHIS Certified Plans incurred on or after 1 January 2022, Eligible Expenses shall include value-added taxes and goods and services taxes ("VAT and GST") (if any) charged or imposed on the relevant medical expenses incurred, subject to the Terms and Benefits applicable in the relevant Certified Plans. The relevant Supplement will be sent to all policy holders concerned upon policy renewal.

For any queries, please contact us at 2517 5333.

The above summary of our insurance products is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of these products.

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Contact our health management consultant to get details and advice.

2517 5860

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Member get member

Rewards for referrers

Get HK$300 supermarket coupons for every successful referral!

No limit on the referrals you can make!

Rewards and enrolment discount for referees

The referees can also get HK$300 supermarket coupons if they successfully enrol in any Bupa individual insurance scheme* PLUS the following first-year subscription / premium discount on designated schemes # :

  • 【Limited-time offer】 Bupa HERO VHIS Plan - 10% off for single enrolment and up to 50% off for 3 or more enrolments
  • 【New】 Bupa SAFE Critical Illness Insurance Scheme - 20% off for single enrolment, 40% off for 2 or more enrolments
  • Other selected individual medical schemes: up to 30% off

The promotion is valid until 30 June 2022. Act now!


To enjoy the referral reward, the referee must submit the Bupa Member-get-Member Programme Registration Form (PDF, 209KB)together with the Bupa health insurance application.
*The referee must successfully enrol in any Bupa individual insurance scheme with first year’s annual premium or subscription over HK$3,000 or equivalent through a Bupa insurance intermediary.
#Subject to terms and conditions of the programme.

Bupa Member-get-Member programme Terms and Conditions (PDF, 286KB)

Bupa Hero VHIS Plan enrolment offer terms and conditions (PDF, 111KB)

Bupa Safe Critical Illness Plan Welcome Promotion Offer Terms and conditions (PDF, 267KB)
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