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Bupa MyBasic VHIS

Basic protection for your health and wellbeing

This medical insurance offers access to quality healthcare in Hong Kong and worldwide. You can rest easy knowing that you're covered in case of an unexpected illness or medical condition.

Want even better cover? Choose Bupa's MyFlexi VHIS Plan, providing enhanced coverage to meet your needs. Take a look at our comparison(PDF, 0.71 MB)of the MyBasic VHIS Plan (this Plan) and the MyFlexi VHIS Plan.

VHIS Certification Numbers

For new application or renewal from 1 January 2022:

【Limited Time Offer】
Call us at 2517 5860 for details

Enjoy 20% off now!

Terms and conditions apply.

Quote/buy Get Details



Levy collected by the Insurance Authority will be imposed on each policy at the applicable rate. The price quoted below does not include the applicable levy yet.
【Limited Time Offer】

Enjoy 20% off now! Terms and conditions apply.

Extra HK$100 shopping vouchers for new members*

*New members of designated plan who register our Bupa4Life wellness App within two months upon policy effective date will receive 1,200 Bupa4Life bonus points which can redeem shopping vouchers valued at HK$100 in the app. Please refer to terms and conditions for details.

Cover for your Basic Medical Needs

This VHIS Standard Plan covers necessary medical expenses up to HK$420,000 every year without any lifetime benefit limit (see Remark 1).

Prescribed Diagnostic Imaging Tests

Up to HK$20,000 per policy year towards prescribed diagnostic imaging tests such as MRI and CT scans (see Remark 2).

Prescribed Non-Surgical Cancer Treatments

Up to HK$80,000 in prescribed cancer treatments including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

Psychiatric Treatments

Up to HK$30,000 per policy year to cover psychiatric treatments during hospitalisation in Hong Kong as recommended by a specialist.

Enhanced Cover Including Unknown Pre-existing Conditions

Your policy can cover unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8, subject to a waiting period (see Remark 3). You can also choose cover for pre-existing conditions, subject to underwriting and an additional premium.

Outpatient Surgery in Hospitals and Clinics

This plan also covers surgeries performed in a clinic or day case unit of a hospital, such as wound sutures, plaster casts and endoscopies.

Eligible for Tax Deduction

This plan is certified as VHIS compliant. You can claim a tax deduction on qualifying premiums up to a limit of HK$8,000 per insured person each year (see Remark 4).

Guaranteed Renewal

Bupa guarantees that your policy is renewable up to the age of 100, regardless of any changes in your health after your policy is in effect (see Remark 5).

24/7 Customer Care Helpdesk

Available 24 hours every day, our Customer Service team will directly answer your policy-related questions (see Remark 6).

Other Features
  • No minimum length of hospital stay
  • No waiting period, cover starts immediately after your policy takes effect
  • No claims-based charges – Your premium will be based on your age only, no matter how many claims you’ve made.
  1. Subject to eligible expenses and the annual limit.
  2. Subject to 30% coinsurance.
  3. Eligible expenses arising from pre-existing conditions that the insured person wasn't aware of, as well as congenital conditions with symptoms appearing or diagnosed after age 8, are subject to the following waiting period and reimbursement percentage:
    a. First policy year: no coverage
    b. Second policy year: 25% reimbursement
    c. Third policy year: 50% reimbursement
    d. Fourth policy year onwards: full coverage
  4. 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). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for certified plans 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
  5. We guarantee that your policy can be renewed every year up to the age of 100 as long as you meet the requirements stated in the renewal provisions of your policy terms and conditions.
  6. During office hours (9am to 7pm, Monday to Friday, except public holidays), we are pleased to answer all your enquires. Outside office hours, we can provide the followings:
    a. Your coverage details,
    b. Claims procedures and other administration procedures, and
    c. Claim forms.

Learn more on our About VHIS and All you need to know about VHIS pages.

You can contact the VHIS Office of the Health Bureau at about:

•      VHIS product availability
•      Features of VHIS Certified Plans
•      Compliance with the Code of Practice 

Please contact the Insurance Authority about the conduct of insurance companies and intermediaries. Please contact the Inland Revenue Department with questions about tax deduction.

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.

Talk to us

Contact our health management consultant to get details and advice.

2517 5860

Mon-Fri 9am-9pm (except public holidays)

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Simply fill in your details below and we will be in touch today or by the next working day. You may also call us directly at 2517 5860.

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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 crazy enrolment offer】 Get discounts worth up to 80% of first-year premiums!
  • 【New】 Bupa SAFE Critical Illness Insurance Scheme - 20% off for single enrolment, 40% off for 2 or more enrolments
  • 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 Safe Critical Illness Plan Welcome Promotion Offer Terms and conditions (PDF, 267KB)
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