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

  • Boosting your group cover
  • Continued protection even if you are retired or your employment status changes
  • Bupa Hero enrolment offer: Discounts worth up to 80% of first-year premiums
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    Many employees believe that the group coverage provided by their employers is sufficient and there’s no need to boost their medical coverage. According to statistics from the Hong Kong Federation of Insurers in 20191, the group medical insurance reimburses about 75% of medical expenses (taking a general ward in private hospitals as an example). In other words, patients will need to pay remaining 25% of medical expenses out of their own pockets. Do you think your group coverage can satisfy your medical insurance need? You might consider adding personal health insurance of your choice for yourself and your family.
    Bupa Hero VHIS Plan
  • 【Exciting Enrolment offer】Save up to 80% of first-year premium in 3 years2
  • Generous cover in Asia, Australia and New Zealand or worldwide excluding the United States 3,4
  • Full cover for eligible expenses up to HK$40 million per year 5
  • 4 deductible options are available6 , 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 cancer
  • Eligible for tax deduction on up to HK$8,000 in premiums annually7
  • Enhanced cover including unknown pre-existing conditions after your policy take effect (subject to the policy’s General Exclusions)
  • Up to 15% lifetime family discount8
  • Bupa VTop Health Insurance Scheme
  • Cover pre-existing conditions9
  • Without underwriting regardless of your health conditions10
  • No waiting period, cover starts immediately and there’s no gap between the end of your group membership11
  • Guaranteed lifetime renewal12
  • Bupa All Together
  • [Enrolment Offer] Enjoy up to 35% off on the first-year premium for a family enrolment of 32
  • Up to HK$5 million Hospital and Surgical Benefit limit every year for the whole family to share
  • Full coverage for eligible medical expenses13
  • One-year premium waiver if diagnosed specified serious illnesses14
  • One year complimentary critical illness coverage for newborn baby15
  • Certified VHIS plans
    bupa myflexi
    [MyFlexi VHIS] Flexible health coverage to meet your needs
    bupa mybasic
    [Bupa MyBasic VHIS] Basic protection for your health and wellbeing
    bupa info2
    VHIS vs General Traditional Medical Insurance
    bupa info
    Compare different schemes
    Couple discuss together
    【Bupa Safe Critical Illness】 Value-for-money critical illness coverage with multiple protection
    Family with kid
    【Bupa All Together】A flexible combined annual benefit pool to safeguard the health of your entire family
    A man checking insurance plan by phone
    【Bupa CarePro】 Quality healthcare cover for the price-conscious
    Family with 2 kids
    【Bupa Care Kid】 Cover your children in a world of benefits

    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 : F00040-01-000-03
    • 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
    The above summary is the plan overview, for details and the terms and conditions, please refer to Bupa’s website and your policy. 。


    1. Refer to clause 2.2.1(ii) of the Medical Claims Statistics 2019 report from HKFI ( 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
    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. Coverage for pre-existing conditions isn’t available for non-Bupa group scheme members.
    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.
    Terms and conditions of the Enrolment Offer for Bupa Hero VHIS Plan.
    Terms and conditions of the Enrolment Offer for Bupa VTop Health Insurance Scheme.
    Terms and conditions of the Enrolment Offer for Bupa All Together.
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