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Global Prestige VHIS Plan

  • Access worldwide, private room level quality healthcare without hassle
  • Enrolment offer: Get a complimentary health check1! Promotion valid until 31 July 2025
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    Hong Kong people have a fast-paced lifestyle, face significant stress, and often have irregular eating habits, which can lead to minor health issues. If these small ailments are ignored, they may worsen. Once they develop into serious illnesses, the treatment costs can be unpredictable. While group medical insurance exists, it may not cover all expenses, forcing employees to tap into their savings for treatment. Health insurance plays a crucial role at this time by reimbursing the remaining eligible medical costs, alleviating your financial burden.
    Global Prestige VHIS Plan (Signature)
  • [Enrolment offer] Get a complimentary health check1
  • No matter where you are in the world, you can enjoy the same benefits2 of up to HK$40 million in coverage each year
  • Full cover of eligible medical expenses3 at standard private room level worldwide, no lifetime benefit limit
  • Use medical card to enjoy cashless service4 at designated hospitals and service providers in Hong Kong, minimise the hassle of prepaying huge medical expenses
  • Access to personal healthcare support delivered by a team of doctors, qualified nurses and health management professionals
  • If diagnosed with cancer, deductible (if any) can be waived. You will also receive support from our professional medical team
  • This plan offers a flat premium5 for customers within specific age groups, making it easier for you to plan your finances
  • Bupa Hero VHIS Plan
  • [Enrolment offer] Save up to 100% of first-year premium in 3 years6
  • Affordable premium, with daily premium as low as HK$4.57
  • [New] Various annual benefit limit options, range from HK$5 million to HK$40 million
  • [New] Provides progressive coverage8 which allow you to adjust your coverage for major life events like marriage and childbirth, without re-underwriting
  • [New] Bupa Pass allows you to enjoy diversified range of medical services at privileged rates9
  • Full cover for eligible medical expenses10
  • 4 deductible options are available11, you can offset the selected deductible with reimbursement from your group medical plan to lower your premium
  • Deductible for related treatments will be waived (if any) if you’re diagnosed with cancer12
  • Up to 15% lifetime family discount13
  • Bupa Safe
  • [Enrolment offer] 35% off for single enrolment, 50% off for 2 or more enrolments6
  • Covers up to 98% of all serious critical illnesses14 including 85 conditions15 and triple protection with a lifetime benefit amount up to HK$3.3M in aggregate16
  • Protection against common major critical illnesses like cancer, heart attack & stroke, and 5 early-stage critical illnesses
  • Pure critical illness coverage, with monthly subscriptions as low as HK$10817 and easy online enrolment!
  • Flexibility to add optional Cancer Treatment Reimbursement Benefit
  • Referral Rewards
  • Successfully refer your friend to enrol in any individual medical scheme, both of you can get a HK$300 supermarket e-voucher18
  • Certified VHIS plans
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    [MyFlexi VHIS] Flexible health coverage to meet your needs
    bupa mybasic
    [Bupa MyBasic VHIS] Basic protection for your health and wellbeing
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    NON-VHIS PLAN SUGGESTIONS
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    WHY CHOOSE HONG KONG’S MEDICAL INSURANCE EXPERT?

    Global healthcare specialist

  • Bupa began in the UK in 1947. We are a leading international healthcare organisation with over 70 years of experience.
  • Apart from providing health insurance, we run clinics, hospitals, dental centres care homes, and more in many countries like the UK, Australia and Spain. Our focus in healthcare funding and services explains why we have the expertise and resources to provide you with smart and suitable solutions in healthcare.
  • Trusted brand

  • Health insurance provider to Hong Kong’s 10,000 civil servants for more than 20 years running.
  • We’ve gained the trust of more than 400,000 individuals, 3,200 companies.
  • Almost half of our customers have been Bupa members for 3 years and more.
  • The health insurance schemes detailed on this webpage are underwritten by Bupa (Asia) Limited. Bupa (Asia) Limited is authorised and regulated by the Hong Kong Insurance Authority to carry out general insurance business in the HKSAR. All terms and benefits are subject to the Policy. Please refer to the Policy for details.

    Notes, Terms and conditions


    Bupa Hero VHIS Plan Certification Number:


    • Advance – HK$0 Deductible : F00040-01-000-05
    • Advance – HK$12,000 Deductible: F00040-02-000-05
    • Advance – HK$40,000 Deductible: F00040-03-000-05
    • Advance – HK$80,000 Deductible: F00040-04-000-05
    • Deluxe-HK$0 Deductible : F00040-05-000-05
    • Deluxe-HK$12,000 Deductible : F00040-06-000-05
    • Deluxe-HK$40,000 Deductible : F00040-07-000-05
    • Deluxe -HK$80,000 Deductible : F00040-08-000-05
    • Advance Pro-HK$0 Deductible : F00040-09-000-03
    • Advance Pro-HK$12,000 Deductible : F00040-10-000-03
    • Advance Pro-HK$40,000 Deductible : F00040-11-000-03
    • Advance Pro-HK$80,000 Deductible : F00040-12-000-03
    • Deluxe Pro-HK$0 Deductible : F00040-13-000-03
    • Deluxe Pro-HK$12,000 Deductible : F00040-14-000-03
    • Deluxe Pro-HK$40,000 Deductible : F00040-15-000-03
    • Deluxe Pro-HK$80,000 Deductible : F00040-16-000-03
    • Core-HK$0 Deductible : F00040-17-000-02
    • Core-HK$12,000 Deductible : F00040-18-000-02
    • Core-HK$50,000 Deductible : F00040-19-000-02
    • Core-HK$80,000 Deductible : F00040-20-000-02
    • Core Pro-HK$0 Deductible : F00040-21-000-02
    • Core Pro-HK$12,000 Deductible : F00040-22-000-02
    • Core Pro-HK$50,000 Deductible : F00040-23-000-02
    • Core Pro-HK$80,000 Deductible : F00040-24-000-02
    The above summary is the plan overview, for details and the terms and conditions, please refer to Bupa’s website and your policy. 。

    Notes:


    1. For insured person aged 18 or above only, subject to terms and conditions. Please refer to the relevant terms and conditions for details.
    2. Except the aggregate benefit limit in relation to organ transplant surgery. Coverage for Non-Emergency Treatment in Global Prestige VHIS Plan (Signature) varies according to the Insured Person’s duration of stay in the United States prior to receiving the treatment. Please refer to the Policy for details. Worldwide medical coverage is subject to applicable local laws and regulations.
    3. Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to eligible expenses and subject to the annual benefit limit and deductible set out in the Summary of Benefits. You need to follow the required procedures to enjoy full cover. Please refer to the Policy for details.
    4. If you receive treatment at designated private hospitals in Hong Kong, you can enjoy cashless service for the following items: items (a) - (j) listed under 1) Basic Benefits and items (a), (b) and (d) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. For overseas hospitalisation, you can enjoy cashless service by calling Bupa to make the necessary arrangements. You need to follow the required procedures to enjoy cashless service. For the list of designated private hospitals in Hong Kong, please visit https://www.bupa.com.hk/en/medical-insurance/global-prestige/. If you’ve enrolled in the optional Clinical Benefit, you can also enjoy cashless service at Bupa appointed clinics for covered clinical benefits. Please refer to the Policy and membership guide for details. Please log in to Bupa’s customer service portal to view the latest list of Bupa appointed clinics. The list of designated private hospitals in Hong Kong and list of Bupa appointed clinics are subject to change from time to time.
    5. This plan offers a flat premium for customers within specific age groups up to 69 years old. Your premiums may be adjusted due to medical inflation or other factors.
    6. Based on an 18-years-old member enrolling in the Bupa Hero VHIS Plan (Core) with yearly payment and a HK$80,000 deductible option. Actual premium varies depending on the age of the insured person. The amount shown does not include any applicable discount, offer or premium loading.
    7. Insured persons of Core and Core Pro Plan are entitled to the progressive coverage. You may upgrade your plan level or remove your deductible once at a specific important life event including marriage, childbirth, acquisition of individual residential property, job promotion or migration, without re-underwriting. Please refer to the Policy for details.
    8. The Bupa Pass is only applicable to insured persons who have not enrolled in the Clinical Benefits of the Bupa Hero VHIS Plan.
    9. 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.
    10. Deductible options include Core / Core Pro plans: HK$0, HK$15,000, HK$50,000 and HK$80,000; and Advance / Advance Pro / Deluxe / Deluxe Pro plans: HK$0, HK$12,000, HK$40,000 and HK$80,000. A deductible is the amount of eligible expenses that you must pay per policy 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.
    11. First-dollar coverage – Deductible waived for Cancer are not applicable to Bupa Hero VHIS Plan (Core Pro, Advance, Advance Pro, Deluxe or Deluxe Pro) with zero dollar ($0) Deductible option shown in the Benefit Schedule and Bupa Hero VHIS Plan (Core) (regardless of its Deductible option).
    12. 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. Family discount is not applicable to Bupa Hero VHIS Plan (Core and Core Pro).
    13. 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.
    14. The 85 critical illnesses covered under the critical illness basic benefits and optional Extended Major Critical Illness Benefit of this scheme include 98% of designated critical illnesses in 10Life’s Scoring Methodology of Term Critical Illness Insurance. Exclusions and waiting periods apply. Please refer to the contract for the terms and excluded conditions.
    15. This scheme covers 3 major critical illnesses and 5 early-stage critical illnesses under the critical illness basic benefits. You can also add Optional Benefit B Extended Major Critical Illness Benefit to introduce a total of 85 covered critical illnesses.
    16. Based on Plan A3, including HK$1,500,000 for Major Critical Illness Benefit, HK$1,500,000 for Additional Cancer Benefit and HK$300,000 for Early Critical Illness Benefit. Customers need to diagnosed with covered critical illnesses after the applicable waiting periods as specified in the contract to be eligible to claim these benefits. Please refer to the contract for details.
    17. Based on 18-year-old non-smoker enrolling in the critical illness basic benefit with lifetime benefit amount in aggregate of HK$3,300,000 with yearly payment. Actual subscription varies depending on the age of the insured person. The amount shown does not include any applicable discount, offer or subscription.
    18. To enjoy the referral rewards, 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 Health Management Consultant. Terms and conditions apply.
    Terms and conditions of the Enrolment Offer for Global Prestige VHIS Plan (Signature)
    Terms and conditions of the Enrolment Offer for Bupa Hero VHIS Plan
    Terms and conditions of the Enrolment Offer for Bupa Safe
    Terms and conditions of the Bupa Member-get-Member Programme
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