Make good use of your group medical insurance to enhance your medical coverage

Bupa Hero VHIS Plan Certification Number:

• Advance – HK$0 Deductible : F00040-01-000-03
• Advance – HK$12,000 Deductible: F00040-02-000-03
• Advance – HK$40,000 Deductible: F00040-03-000-03
• Advance – HK$80,000 Deductible: F00040-04-000-03
• Deluxe－HK$0 Deductible : F00040-05-000-03
• Deluxe－HK$12,000 Deductible : F00040-06-000-03
• Deluxe－HK$40,000 Deductible : F00040-07-000-03
• Deluxe －HK$80,000 Deductible : F00040-08-000-03
• Advance Pro－HK$0 Deductible : F00040-09-000-01
• Advance Pro－HK$12,000 Deductible : F00040-10-000-01
• Advance Pro－HK$40,000 Deductible : F00040-11-000-01
• Advance Pro－HK$80,000 Deductible : F00040-12-000-01
• Deluxe Pro－HK$0 Deductible : F00040-13-000-01
• Deluxe Pro－HK$12,000 Deductible : F00040-14-000-01
• Deluxe Pro－HK$40,000 Deductible : F00040-15-000-01
• Deluxe Pro－HK$80,000 Deductible : F00040-16-000-01

Notes:

1. Refer to clause 2.2.1(ii) of the Medical Claims Statistics 2019 report from HKFI (https://www.hkfi.org.hk/pdf/medical_2019.pdf) for details.
2. During the Promotion Period, new customers can enjoy premium discounts or reduction under eligible plans, subject to terms and conditions, please refer to the relevant terms and conditions for details.
3. Asia, Australia and New Zealand means Hong Kong, Australia, New Zealand, Thailand, Japan, Malaysia, Macau, Taiwan, South Korea, Singapore, Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, India, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, the Philippines, Sri Lanka, Tajikistan, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.
4. For eligible expenses under the certified plan but incurred outside your chosen area of cover, benefits shall only be payable according to the VHIS Standard Plan Terms and Benefits. Please refer to your Policy for details.
5. Full cover is only applicable to selected items under Summary of Benefits and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits.
6. Deductible options include HK$0, HK$12,000, HK$40,000 and HK$80,000. A deductible is the amount of eligible expenses that you must pay each year. Bupa will cover the remaining amount up to the benefit limit. The deductible won’t apply to the Medical Check-up Benefit and optional benefits.
7. Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the 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) (which may change from time to time). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for certified plans, but not any other optional benefits, with policy effective date of 1 April 2019 or later. 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, please visit www.bupa.com.hk/taxfaq
8. Family discount will be applied to the standard premium and premium loading of the certified plan only, but not any other optional benefits under the Bupa Hero VHIS Plan. The discount will be valid as long as the eligible family members are all covered under a Bupa Hero VHIS Plan at the same time.
9. All pre-existing conditions which are payable under your Bupa group scheme shall be covered under this scheme's Hospital and Surgical Benefit, Optional Supplementary Major Medical Benefit and Clinical Benefit (if applicable) if you have been continuously insured under a Bupa group scheme and/or Bupa VTop for a total of at least 12 consecutive months, with the exception of those specified under the General Exclusions of the Bupa VTop contract. If a Bupa group member enrols in the Bupa VTop Health Insurance Scheme from 18 April to 31 July 2024 which is not within the specified enrolment period stipulated in the Contract, coverage of pre-existing conditions will start after the policy has been effective for 12 months. Coverage for pre-existing conditions is not available for family members (including but not limited to spouse, civil partner, children, parents and siblings) of an existing Bupa group member who are not a member of a Bupa group scheme.
10. Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit without underwriting regardless of your health conditions. Application for Optional Clinical Benefit required underwriting.
11. This scheme will be effective on the 1st day of the month which immediately follows the last date of your group membership should it be the last day of a month. Otherwise, your cover will be effective on the 1st day of the same month when your group membership is terminated.
12. Your premium will be based on your age only, no matter how many claims you’ve made. Bupa guarantees that your cover can be renewed every year for life as long as you meet the requirements as stated in the Renewal Clause of your contract. Bupa reserves the right to amend the subscription, benefits, terms and conditions upon your contract renewal. Please refer to your contract for further details.
13. Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to covered eligible expense and subject to the Maximum Annual Benefit Pool limit, area of cover and restricted ward class set out in the Summary of Benefits. Please refer to the policy for details
14. Starting from the second policy year, one-year premium waiver is applicable to premiums paid for Hospital and Surgical Benefit and optional benefits (if any) if any insured person is diagnosed with cancer, heart attack or stroke. Premiums will be waived for every family member already covered under your policy. Please refer to the policy for detailed terms and conditions.
15. From the second policy year onwards, newborn baby of female insured person is eligible to first year premium waiver when enrolled in Bupa Safe Critical Illness Insurance Scheme Plan 13 with coverage of HK$1.1 million. Premiums will be waived when annual payment mode is selected. Please refer to the Bupa Safe Critical Illness Insurance Scheme Policy for detailed terms and conditions.