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【Limited Time Offer】
Get discounts worth up to 35% of first-year premiums! Child discount up to 35% off! Call us at 2517 5860 for details.
Flexible health coverage to meet your needs
  • A wide range of versatile options to suit your personal needs
  • Add Push the Limit Benefit to boost your core coverage
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Up to 35% child discount

On each child below age 18 if enrolling with parents

Up to 15% no claim renewal discount
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

No waiting period

Cover starts immediately after your policy takes effect

Guaranteed renewal up to age 100

Your premium will be based on your age only, no matter how many claims you've made


Benefit Features

Prescribed non-surgical cancer treatment

Up to HK$158,000 in prescribed treatments including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy

Enhanced benefits

Apart from the basic benefit items, this plan also offers private nursing, companion bed, emergency outpatient treatment for accidents, day patient kidney dialysis and more

Prescribed diagnostic imaging tests

Up to HK$40,000 per year towards prescribed diagnostic imaging tests such as MRI and CT scans

Covers unknown pre-existing conditions

as well as congenital conditions with symptoms appearing or diagnosed from age 8

Psychiatric treatment

Up to HK$30,000 per year to cover psychiatric treatment during hospitalisation in Hong Kong

Outpatient surgery in hospitals and clinics

With no minimum length of stay, surgeries performed in a clinic or day case unit of a hospital are also covered


Optional Enhanced Benefit

Push the Limit Benefit

Offers both Full Cover Benefit and Supplementary Major Medical Benefit to enhance your coverage, as well as providing cashless service

Full Cover Benefit

Up to HK$1,076,000 per year to fully reimburse eligible expenses at Bupa MyFlexi appointed hospitals, Bupa HealthPlus appointed specialist's clinics and service providers

Supplementary Major Medical Benefit

After the limits in your basic benefits or Full Cover Benefit have been exceeded, the excess will still be covered up to HK$636,880 per year, subject to 20% coinsurance , to significantly reduce your out-of-pocket expenses

Cashless service

Use your Bupa medical card to enjoy cashless service at Bupa HealthPlus appointed specialists and service providers


Plan Options


Benefit level


Premiums as low as

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Standard Plus

Benefit level


Push the Limit Benefit

Up to HK$408,000 each year in total

Premiums as low as

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Benefit level


Premiums as low as

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Advance Plus

Benefit level


Push the Limit Benefit

Up to HK$875,400 each year in total

Premiums as low as

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Benefit level


Premiums as low as

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Deluxe Plus

Benefit level


Push the Limit Benefit

Up to HK$1,712,880 each year in total

Premiums as low as

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This plan is suitable for all people, especially if you...


need more comprehensive coverage with enhanced benefits compared to the standard plan


want to enjoy special discounts such as no claim renewal discount and child discount


want to add on different optional benefits such as clinical, dental or maternity coverage

Other Plan Details

Clinical Benefit

Our Clinical Benefit is specially designed to include coverage for psychiatric-related treatments and psychological counselling, such as outpatient treatments for psychiatric, psychological, mental or behavioural conditions, senile dementia (including Alzheimer’s disease) and Parkinson’s disease. It also includes general practitioners, specialists, diagnostic imaging and laboratory tests, prescribed Western medication, physiotherapists, chiropractors, Chinese herbalists, as well as Chinese bonesetters. If you receive treatment at designated service providers, you can use your medical card for cashless service and enjoy full cover (see Remark 7).

You can also enjoy video consultation services if you’ve enrolled in Clinical Benefit. Consult our selected doctors through a video call comfortably and safely at home.

Dental Benefit

Covers dental expenses such as scaling and polishing, fillings and extractions, emergency consultations and more. If you receive treatment at designated network dental centres, you can enjoy cashless service and full cover for covered items (see Remark 8).

Maternity Benefit

Covers obstetrician's fees, hospitalisation charges, prenatal and postnatal check-up costs and nursery care for a newborn baby during hospital confinement.

Health Coaching Services

Our health coaching services offer a variety of personal healthcare support to minimise your worries (see Remark 13):

  • 24/7 Healthline

    A team of qualified healthcare professionals will provide guidance on your health-related questions over the phone, with the support of doctors (see Remark 14).

  • Care Manager

    Our Care Manager can be in touch with you to follow up on claims and assist you throughout treatment and recovery, from explaining your treatment plan and overseeing costs to arranging follow-up consultations. If you’re admitted to a local private hospital, our Care Manager will make a courtesy call or visit, with your consent.

  • Second medical opinion

    We’ll help you obtain medical advice from a panel of medical specialists to clarify your doubts and make informed decisions about treatment.

  • Healthcare centre choices

    We can provide a list of clinics and hospitals based on your specific condition or needs for your reference.

  • Chronic Conditions Programme

    Offers lifestyle coaching and management, including personal phone calls to help you manage any chronic condition such as diabetes.

Free Bupa Worldwide Assistance Programme

With the Bupa MyFlexi VHIS Plan, you’ll also receive our free worldwide assistance programme. It provides medical support and assistance if you need help while overseas or in mainland China (see Remark 15).

Blua Health wellness app
Use our wellness app Blua Health to manage your health and get rewards! Through Blua Health, you can track your progress, book into wellness classes and read health tips from experts. You can also earn points to redeem rewards for healthy living. Download Blua Health now and start living healthy today! Blua Health is offered, distributed and operated by Horizon Health and Care Limited which is a company registered in Hong Kong under the Bupa Group.
Bupa's one-stop specialist treatment programmes
Bupa has set up a series of treatment programmes for members focusing on different specialities, providing personalised care and guidance through network providers and a health coaching team. Through these programmes, you can enjoy the following benefits:
  • Multiple specialties to meet different medical needs
  • Experienced health professionals to guide you from consultation through treatment and follow-up
  • Quality assured network clinics and facilities
  • Cashless treatment with eligible medical card
Bupa's one-stop specialist treatment programmes include:
Bupa DAY series
  • Eye day surgeries
  • Day-case gynaecological procedures
Bupa WAY series
  • Clinical treatments for musculoskeletal pain
  • Guidance and treatments to support breast health
For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.
myBupa, customer service portal
  • Claims: File claims online; track and view claims status/details; provide information to resolve pending claims
  • Clinical Benefit Usage: Keep track of your claimed expenses and provider visits under Clinical Benefit (if applicable)
  • eMedical Card: Show your eMedical Card at network providers for cashless service*
  • Hospital eAdmission: Send your member information to your selected hospital upon admission*
  • Doctors Finder: Search for network doctors and clinics based on name, specialty, etc
  • Doctors Nearby: Locate the clinic on a map and get directions to the clinic from where you are
  • Member Documents: View and download your policy-related documents
  • Member Privileges: View and redeem special health and lifestyle offers exclusively for Bupa members
  • Member Profile: View your scheme details; update your contact information online
  • Direct access to Bupa’s wellness app Bupa4Life and Quality HealthCare Medical Services (QHMS)’s mobile app
*For selected insurance schemes only.
24/7 Customer Care Helpdesk
Available 24 hours every day, our Customer Service team will directly answer your policy-related questions (see Remark 12).

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Bupa MyFlexi


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  • Full Cover Benefit and Supplementary Major Medical Benefit offered under Push the Limit Benefit are not applicable to item (k) pre- and post-confinement/day case procedure outpatient care and item (l) psychiatric treatment as listed under 1) Basic Benefits and all items listed under 2) Enhanced Benefits in the Benefit Schedule.
  • You need to follow the required procedures to enjoy full cover. Please refer to the Policy and membership guide for details. Please refer to the Summary of Benefits for the benefit limits of Push the Limit.
  • Please log in to our customer service portal myBupa to view the latest list of Bupa HealthPlus Appointed Specialists and Bupa HealthPlus Appointed Service Providers. These lists are subject to change from time to time.
  • Bupa MyFlexi appointed hospitals include Canossa Hospital (Caritas), CUHK Medical Centre, Evangel Hospital, Gleneagles Hong Kong Hospital, Hong Kong Adventist Hospital - Stubbs Rd., Hong Kong Adventist Hospital - Tsuen Wan, Hong Kong Baptist Hospital, Hong Kong Sanatorium & Hospital, Matilda International Hospital, Precious Blood Hospital (Caritas), St. Paul's Hospital, St. Teresa's Hospital and Union Hospital. This list is subject to change from time to time.
  • Cashless service is not applicable to item (k) pre- and post-confinement/day case procedure outpatient care and item (l) psychiatric treatment as listed under 1) Basic Benefits and items (c) – (e) listed under 2) Enhanced Benefits in the Benefit Schedule, treatment in a day case unit of a hospital and optional Maternity Benefit. You need to follow the required procedures to enjoy cashless service. Please refer to the Policy and membership guide for details.
  • Optional Benefits (Clinical, Dental and Maternity Benefit) are not part of the VHIS certified plan. The premiums paid (if any) are not eligible for claiming tax deduction, any child discount and/or no claim renewal discount.
  • Clinical Benefit is only available for enrolment after selecting Push the Limit Benefit.
  • Network Dental Centre refers to the network of dental service providers appointed by Bupa to provide dental services listed under “Network Dental Centre benefit” in the Summary of Benefits. Locations of the Network Dental Centres include Admiralty, Causeway Bay, Quarry Bay, Tsim Sha Tsui, Tseung Kwan O, Sha Tin, Tsing Yi, Tung Chung, etc. Please log in to Bupa’s customer service portal myBupa to view the latest location list. This list is subject to change from time to time. Insured persons can enjoy cashless service and full cover at designated Network Dental Centres by presenting their Bupa membership card, medical card or membership number and Hong Kong Identity Card for verification and record.
  • Subject to 30% coinsurance.
  • 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 the 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
  • Bupa guarantees 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.
  • 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 following:
    a. Bupa appointed service providers,
    b. Your coverage details,
    c. Claims procedures and other administration procedures, and
    d. Claim forms.
  • All Health Coaching Services are available for customers who select Deluxe or Deluxe Plus. Those who select Advance or Advance Plus can access all services except the Chronic Conditions Programme. Those who select Standard or Standard Plus can access the 24/7 Healthline and Care Manager (in case of cancer and heart failure). The use of Health Coaching Services is free of charge. If the services suggested aren’t covered under your Bupa MyFlexi VHIS Plan, you’ll be responsible for the fees incurred.
  • Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon – Fri, from 9am to 6pm (Hong Kong time), except public holidays.
  • The Free Bupa Worldwide Assistance Programme is not part of the VHIS certified plan. Please inform Bupa in writing if you don’t want to receive this free benefit.
  • Child discount will be applied to the premium of the MyFlexi basic benefits and enhanced benefits 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.
  • Upon renewal, the no claim renewal discount will be applied to the premium of the MyFlexi basic benefits and enhanced benefits only, but not Push the Limit and other optional benefits, if no claim was paid during the specified period.
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. All terms and benefits are subject to the Policy. Please refer to the Policy for details.
Common questions See all
How to choose a VHIS plan?
As there are many VHIS plans available, we should not merely compare the premiums but pay more attention to the details to select a VHIS plan with a higher price–performance ratio... Read more
What's the difference between medical and critical illness insurance?
Many people are unsure about the differences between medical insurance and critical illness insurance. While they both provide protection for the insured, the two actually serve different purposes... Read more
What is a deductible?
A deductible is the portion of eligible medical expenses paid by the subscriber up to an agreed amount before the insurance company starts to pay for expenses over that amount in a claims settlement... Read more
What is hospital cash insurance?
Hospital cash gives you cash compensation when you are hospitalised, protecting you against the loss of income. A standalone hospital cash benefit plan is payable according to the amount of your daily sum insured... Read more
What is loading?
Loading is a term used in the insurance industry to refer to the extra charge added to the subscription at renewal due to previous claims made by the subscriber... Read more
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