Bupa/QHMS staff designated enrolment offer

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. Employees’ family member (defined as parents, parents-in-laws, spouse, children, grandparents, grandparents-in-laws and siblings) will be offered a discount of 20% for purchasing Bupa individual products. 30% discount will be offered to employees who completed 5 years of service with Bupa.
2. The referee must successfully enrol in any Bupa individual insurance scheme with first year's net annual premium or subscription over HK$3,000.
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. Child discount will be applied to the premium of the MyFlexi basic benefits and enhanced benefit only, but not Push the Limit and other optional benefits. The discount will be valid as long as one or two parent(s) of the insured child is/are also covered under a Bupa MyFlexi VHIS plan.
9. 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.
10. 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
11. 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.
12. 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.