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Learn about medical insurance with Andrew

Provide comprehensive protection for your loved ones
And enjoy a tax deduction

Since the launch of the Voluntary Health Insurance Scheme (VHIS) in April 2019, I think most Hong Kong people know that these insurance premiums can be claimed as a tax deduction. However, many people mistakenly think that the deduction only applies to insurance they purchase for themselves. In fact, you can claim a tax deduction for every eligible plan you purchase for your “specified relatives”, including your spouse, children and parents. You’ll receive a proof of premium payment from your insurer by the end of April showing the amount of qualifying premiums you can claim as a tax deduction. Please remember to make sure your insurance plan is approved by the government if you want to enjoy a tax deduction under VHIS.


Bupa Hero VHIS Plan, which is also eligible for tax deduction. Let’s take Mr Chan, aged 35, as an example of how it works: He purchased the plan for himself and his wife (same age) and chose a HK$12,000 deductible (HK$10,000 premium). He also purchased the same plan for his son aged 2 (HK$8,900 premium), for a total of HK$28,900 in annual premiums. Each policy holder can claim a tax deduction on qualifying premiums up to HK$8,000 per insured person per year. So he can save around HK$3,600, assuming a tax rate of 15%.


In addition to tax deductions, with Bupa Hero you also get comprehensive protection – including up to HK$30 million in personal medical coverage in Asia. Eligible expenses such as surgeon’s fees, prescribed diagnostic imaging tests, cancer surgery expenses and treatments (e.g. chemotherapy or targeted therapy) and inpatient psychiatric treatments are fully covered.


Wishing you all good health!


  For more information, please call 2517 5860 or visit Bupa's website at .

General Manager, Bupa Hong Kong

Andrew Merrilees


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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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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 # :

  • 【Bupa Hero exciting enrolment offer】 Get discounts worth up to 80% of first-year premiums!
  • 【Newly launch】 Bupa All Together Health Insurance Scheme: Enjoy up to 50% off on the first-year premium  for a family enrolment of 3 #
  • Other selected individual medical schemes: up to 20% off

The promotion is valid until 31 December 2023. 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 net annual premium or subscription over HK$3,000 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, 282KB)

Bupa All Together Health Insurance Scheme Welcome Promotion Offer Terms and conditions (PDF, 231KB)
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