Medical Insurance

Bupa Hero
VHIS

Plan Overview

Benefit Features

Comparison With Term CI Products

Comparison With CI Savings Plans

Example Cases

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Plan Overview

Plan Options

Suitable For

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【Welcome offer】
20% off for single enrolment, 40% off for 2 or more enrolments (Daily subscription from HK$5)! Terms and conditions apply.

Extra HK$100 shopping vouchers for new members! Terms and conditions apply.

Call us at 2517 5860 for details.

Taking care of your physical and mental health

Generous cover in Asia, Australia and New Zealand or worldwide excluding the United States
Full cover for eligible expenses up to HK$40 million per year
No lifetime benefit limit, providing you with extraordinary cover that goes above and beyond
Provides enhanced benefits, medical check-up benefit, cashless service, optional benefits and more

Critical illness insurance

Provides a lump sum compensation when you're diagnosed with a covered illness, with no limitations on how you use it

Maintains your income when you're sick, pays for your medical and living expenses

Provides reimbursement of your actual eligible medical expenses

Mainly to support your treatment and hospitalisation expenses

You may encounter these problems if you're diagnosed with a critical illness…

Significant expenses

Significant medical costs plus ongoing daily expenses, such as mortgage payments, rent, children's tuition fees…

Long-term treatment and recovery

Taking time off work for treatments and to recover from a critical illness will quickly use up your paid sick leave

Losing source of income

Losing your ability to work and your source of income

Bupa Safe Critical Illness Insurance Scheme: How comprehensive is it?

The scheme covers 3 major critical illnesses including cancer, heart attack and stroke, as well as 5 early stage critical illnesses such as carcinoma-in-situ and coronary artery disease requiring angioplasty. You can also upgrade to include a total of 85 covered conditions, for 98% coverage of all serious critical illnesses. What's more, you can add the optional Cancer Treatment Reimbursement Benefit to cover medical expenses for cancer.

Covers critical illnesses caused by COVID-19

Studies have shown that the after effects of COVID-19 may include critical illnesses such as heart attack, stroke and so on. For greater peace of mind, this scheme will be payable if you're diagnosed with any of the covered critical illnesses.

Base Plan A
(Lump-sum critical illness benefit)

Optional Benefit B
(Extended critical illness benefit)

Optional Benefit C
(Medical insurance coverage for cancer expenses)

Covered illnesses

Cancer
Stroke
Heart Attack
5 other early stage critical illnesses

Kidney Failure
Parkinson's Disease
End Stage Lung Disease
A total of 77 extra major critical illnesses

Cancer Treatment Reimbursement Benefit Reimburses hospital and surgical expenses for covered cancers, plus extra benefits for out-patient care and monitoring, extended care and so on, and an experimental treatment cash allowance for enhanced protection with the latest technology

Coverage

Critical Illness Basic Benefit Major Critical Illness Benefit
+
Early Stage Critical Illness Benefit
+
Additional Cancer Benefit for a second cancer claim

Extended Major Critical Illness BenefitCovers an extra 77 major critical illnesses

Together Plan A and Optional Benefit B cover a total of 85 conditions for 98% coverage of all serious critical illnesses

Lifetime Benefit Amount in aggregate

Plan A3	Plan A2	Plan A1
HK$3,300,000	HK$2,200,000	HK$1,100,000

Lifetime Benefit Amount in aggregate refers to the total of the below 3 items:

Major Critical Illness Benefit

HK$1,500,000

HK$1,000,000

HK$500,000

+
Early Stage Critical Illness Benefit

HK$300,000

HK$200,000

HK$100,000

+
Additional Cancer Benefit

HK$1,500,000

HK$1,000,000

HK$500,000

Diagnosis and Testing Benefit Hospital and Surgical Benefit Full cover up to HK$500,000/HK$1,000,000 per contract year

Extended Care Benefits Payable for 90% of eligible expenses, up to HK$20,000/HK$40,000 per contract year with a lifetime limit of HK$60,000/HK$120,000 in aggregate

Out-patient Care and Monitoring Benefit HK$50,000/HK$100,000 per contract year

Experimental Treatment Cash Allowance Payable once per lifetime, with a lifetime limit of HK$30,000/HK$60,000

Issue age

Aged 15 days to 60 years
(Enrolment from age 56-60 years (inclusive) limited to Plan A2 or A1 only)

Renewal

Guaranteed renewal up to age 100

Period of cover

One year, renewable every year automatically

Waiting period

90 days

Cooling-off period

21 days

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Is Bupa Safe good or not? Comparing term CI products

The definitions of critical illnesses and terms play an important role in critical illness claims. Compared with the variety of term CI products in the market, Bupa Safe Critical Illness Insurance Scheme provides wider coverage which better fits your protection needs. So you can rest assured you're prepared for whatever the future holds.

Bupa Safe Critical Illness

Other term CI products

Second cancer

After Major Critical Illness Benefit has been paid (including cancer), if you're diagnosed with a new cancer, or you have a recurrence or distant metastasis 1 year later, you can receive the Additional Cancer Benefit with a lump sum payment of the same amount as the Major Critical Illness Benefit.

Some products only cover one cancer

Waiting period for a second cancer claim

Only 1-year waiting period for a second cancer claim after Major Critical Illness Benefit has been paid

Some products have a waiting period of up to 5 years for the second cancer claim

Early stage cancer and carcinoma-in-situ

Up to HK$300,000 Early Stage Critical Illness Benefit

Some products don't cover this

Coronary artery disease requiring angioplasty

Up to HK$300,000 Early Stage Critical Illness Benefit

Some products don't cover this

Carotid artery disease requiring surgery

Up to HK$300,000 Early Stage Critical Illness Benefit

Some products don't cover this

Endovascular treatment for cerebral aneurysm

Up to HK$300,000 Early Stage Critical Illness Benefit

Some products don't cover this

No survival period

The critical illness benefit will still be paid even if the member passes away right after the diagnosis of a covered critical illness

Some products have a survival period of 14 days. No payments will be made if the member passes away within 14 days after the diagnosis of a covered critical illness

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No survival period

The critical illness benefit will still be paid even if the member passes away right after the diagnosis of a covered critical illness

Some products have a survival period of 14 days. No payments will be made if the member passes away within 14 days after the diagnosis of a covered critical illness

Upgrade to include a variety of critical illnesses

Includes an additional 77 conditions which covers 98% of all serious critical illnesses

Some products only cover 3 major critical illnesses (cancer, heart attack and stroke), or even one, without optional benefits

Upgrade to include Cancer Treatment Reimbursement Benefit

Provides reimbursement for hospitalisation, surgery, non-surgical cancer treatment and outpatient expenses for cancer and carcinoma-in-situ

Some products don't offer cancer treatment benefits

Coverage for cancer treatment expenses restored each year

The coverage for major benefit items will be restored each contract year. If the treatment course for a cancer spans several years, your coverage will be renewed each year

Some products have benefit limits for each cancer case. If the treatment course for a cancer spans several years, the limit will be used up quickly

Comparison with CI savings plans

Total subscriptions for 20 years

Bupa Safe

HK$111,902

Critical illness savings plans HK$500,568

Pure critical illness protection plans vs Critical illness savings plans

Bupa Safe Critical Illness is a pure protection plan without savings elements, offering protection at an affordable price and allowing you to use your funds more flexibly.

On the other hand, some critical illness insurance plans are also includes savings elements. Members can get a cash payment if they choose to surrender the policy (when no major claim has been made). So the subscriptions for critical illness savings plans are usually higher. However, if members want to surrender their policy at an early stage, the cash value they receive may actually be lower than the total subscriptions paid.

If you choose Bupa Safe Critical Illness Insurance Scheme, you can get critical illness coverage at a lower subscription, and use the saved subscriptions for other investments more flexibly.

Total subscriptions for 20 years

Bupa Safe

HK$111,902

Critical illness savings plans HK$500,568

Optional Cancer Treatment Reimbursement Benefit

Full cover worldwide on treatment expenses for cancer and carcinoma-in-situ

Details

Including hospitalisation, surgeries, non-surgical cancer treatments and diagnostic tests up to HK$1,000,000 per year

Free preventive check-up benefit

Details

Enjoy a free preventive check-up every 2 years, helping you to detect possible illnesses at an early stage

Comprehensive out-patient coverage

Details

From pre-treatment tests to confirm your diagnosis, pre- and post-hospitalisation out-patient care to long-term out-patient monitoring after discharge

Guaranteed conversion with no underwriting

Details

You can convert to designated VHIS plans without underwriting after you've been enrolled in this benefit for 5 years. New conditions that appeared after enrolment will be covered after conversion without loading

Extended benefits to take care of recovery needs

Details

Covers Chinese herbalist treatment, physiotherapy, complementary therapy, costs for buying medical appliances and so on to help you recover

Unique experimental treatment cash allowance

Details

Offers a lump sum cash allowance up to HK$60,000 for experimental treatments, so you can fight against cancer with the latest technology

Cashless service

Details

Enjoy cashless service with a Bupa SafeNet Card when receiving treatment for a covered cancer during confinement, day case or non-surgical cancer treatment at designated hospitals and service providers in Hong Kong

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Example Cases

Emily

office worker

Enrolled in Bupa Safe Critical Illness Insurance Scheme – Plan A2 + Optional Benefit B, with $1,000,000 Major Critical Illness Benefit. She also added Optional Benefit C Cancer Treatment Reimbursement Benefit with $500,000 in coverage.

Age 30

Emily's family has a history of cancer. She's very concerned about cancer coverage and has chosen Bupa Safe Critical Illness Insurance Scheme.

Age 35

Emily was diagnosed with liver cancer which required surgery and targeted therapy. She received a lump sum payment of $1,000,000 under the Major Critical Illness Benefit. Her related treatment costs added up to around $480,000 and were fully covered under Cancer Treatment Reimbursement Benefit.

Age 36

Emily's medicine for targeted therapy cost around HK$40,000 per month. Her therapy continued for another year which cost around HK$480,000 in total. Luckily, Emily's coverage under Cancer Treatment Reimbursement Benefit is restored each contract year, so her treatment costs are still fully covered.

Total critical illness payments received

HK$1,000,000

Total Cancer Treatment Reimbursement Benefit coverage

HK$960,000

($480,000 per year x 2 years)

Emily's total claims payments received

HK$1,960,000

Nicole

slasher

Enrolled in Bupa Safe Critical Illness Insurance Scheme – Plan A1, with HK$500,000 Major Critical Illness Benefit.

Age 25

Nicole is a self-employed slasher without group medical protection. She's concerned about her health and has enrolled in Bupa Safe Critical Illness Insurance Scheme.

Age 29

Nicole was diagnosed with breast cancer and received the lump sum payment of HK$500,000 under her Major Critical Illness Benefit. She stopped working for a year to concentrate on recovery. Bupa's health coaching team provided a variety of support to Nicole, from helping her understand her illness and providing a list of clinics and hospitals for her reference, to emotional support and health information, such as dietary tips and cancer care during her treatment and recovery. A care manager also helped Nicole to follow up on claims so she didn't need to worry at all.

Age 31

Nicole's breast cancer recurred. As the 1-year waiting period for Additional Cancer Benefit had passed, she could get an additional HK$500,000 lump sum payment to support her living expenses.

Total critical illness payments received

HK$1,000,000

Dave

manager at a small- to medium-sized enterprise, father with 1 child

Enrolled in Bupa Safe Critical Illness Insurance Scheme – Plan A3 + Optional Benefit B, covers up to 85 critical illnesses, with HK$1,500,000 Major Critical Illness Benefit.

Age 40

Dave has a good head for numbers. He thinks his group medical scheme coverage isn't enough to protect against major illnesses, while critical illness savings plans are too expensive. That's why he chose Bupa Safe Critical Illness Insurance Scheme.

Age 42

Dave was diagnosed with coronary artery disease and needed angioplasty. He received a lump sum payment of HK$300,000 under the Early Stage Critical Illness Benefit. This payment covered Dave's mortgage fees and his son's international school tuition fees, so he could focus on recovery.

Age 48

Dave was diagnosed with kidney failure due to poor diabetes control. He received a lump sum payment of HK$1,500,000 under the Major Critical Illness Benefit. As Dave needed to receive long-term dialysis, he switched from working full-time to part-time at home. Although his income was reduced, the critical illness coverage helped support his living expenses.

Age 52

Dave was diagnosed with lung cancer. Luckily, he could get an extra HK$1,500,000 from Additional Cancer Benefit to support his living expenses. Although Dave had several critical illnesses over the years, Bupa Safe Critical Illness Insurance Scheme covered all his needs, so he could focus on treatment and recovery.

Total critical illness payments received

HK$3,300,000

Promotion

Other Plan Details

Supplementary Critical Illness Benefit

If you're diagnosed with a critical illness, you may need to take time off work or even quit your job. This combined with the costs of treatment may affect your budget, your quality of life and even your family. Therefore, apart from medical protection, you should also consider adding the Supplementary Critical Illness Benefit to make up for any lost income and pay for your living expenses, such as mortgage, daily bills, child's tuition fees, etc. if you have a covered critical illness.

Bupa Supplementary Critical Illness Benefit provides worldwide coverage for up to 98% of all serious critical illnesses (see Remark 19), including 80 major critical illnesses (such as cancer, heart attack, stroke) and 5 early stage critical illnesses (see Remark 20). It also pays for an additional cancer claim if you're diagnosed with cancer (including recurrence or distant metastasis) after the major critical illness has been paid, so you can be worry-free and prepared for the unexpected. This benefit offers triple protection for up to 3 separate conditions at different times throughout your life—Major Critical Illness Benefit, Early Stage Critical Illness Benefit and Additional Cancer Benefit, with a lifetime benefit amount up to HK$3,300,000 in aggregate (see Remark 21).

Based on the benefits of the Gold plan. Please refer to the Schedule of Critical Illness Benefits for the lifetime benefit amount of other plan options.

We know that patients who are diagnosed with cancer can be overwhelmed by ongoing treatments, complicated medical procedures and so on. The new Cancer Care Programme in our Health Coaching Services is designed to support members covered by Supplementary Critical Illness Benefit. Our qualified nurses and health management professionals will provide personalised follow-up throughout your cancer journey, emotional support and a variety of health information such as cancer care and dietary tips.

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. The Clinical Benefit also includes other items such as general practitioners, specialists, diagnostic imaging and laboratory tests, prescribed Western medication, physiotherapists, chiropractors, Chinese herbalists, Chinese bonesetters, etc.

If you’ve enrolled in the Clinical Benefit, you can also enjoy cashless treatment and full cover at network clinics and service providers (see Remark 18). What's more, you can enjoy video consultation services to consult our selected general practitioners through a video call comfortably and safely at home.

Dental and Optical Benefit

Includes dental treatments such as scaling and polishing, fillings and extractions, as well as optical expenses for consultation and contact lenses or one pair of glasses for optical correction per policy year (see Remark 12).

Maternity Benefit

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

24-hour Mental Health Service Hotline

This service is provided by Bupa's selected service providers and their team of qualified and experienced counsellors and clinical psychologists. Through the hotline, counsellors offer free emotional support and personalised advice. They can also arrange face-to-face counselling services with a clinical psychologist if needed (four times per Policy Year). Rest assured that all information provided will be kept in strict confidence (see Remark 4).
Terms and Conditions for the 24-hour Mental Health Service Hotline (pdf, 580 KB)

Health Coaching Services

Our health coaching services offer a variety of personal healthcare support delivered by a team of appointed doctors, qualified nurses and health management professionals to minimise your worries (see Remark 13):

24/7 Healthline
A team of qualified health management 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 arrange for you to get 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.
Non-emergency global healthcare support
Locate suitable doctors, arrange medical appointments and support language translation either when you are in need overseas, or plan to travel for treatment.
Appointment making
We can help to make appointments with your selected healthcare service providers.
Cancer Care Programme (only applicable to members covered under Supplementary Critical Illness Benefit)
Our qualified nurses and health management professionals will provide personalised follow-up throughout your cancer journey, emotional support and a variety of health information such as cancer care and dietary tips.

Free Bupa Worldwide Assistance Programme

With the Bupa Hero 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).

Bupa4Life wellness app

Use our wellness app Bupa4Life to manage your health and get rewards! Through Bupa4Life, 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 Bupa4Life now and start living healthy today!

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 16).

For new application or renewal from 1 April 2022

Advance / Deluxe - HK$0 Deductible

F00040-01-000-03 / F00040-05-000-03

Advance / Deluxe - HK$12,000 Deductible

F00040-02-000-03 / F00040-06-000-03

Advance / Deluxe - HK$40,000 Deductible

F00040-03-000-03 / F00040-07-000-03

Advance / Deluxe - HK$80,000 Deductible

F00040-04-000-03 / F00040-08-000-03

Advance Pro / Deluxe Pro - HK$0 Deductible

F00040-09-000-01 / F00040-13-000-01

Advance Pro / Deluxe Pro - HK$12,000 Deductible

F00040-10-000-01 / F00040-14-000-01

Advance Pro / Deluxe Pro - HK$40,000 Deductible

F00040-11-000-01 / F00040-15-000-01

Advance Pro / Deluxe Pro - HK$80,000 Deductible

F00040-12-000-01 / F00040-16-000-01

For effective date or renewal from 1 January 2021 to 31 March 2022

Advance / Deluxe - HK$0 Deductible

F00040-01-000-02 / F00040-05-000-02

Advance / Deluxe - HK$12,000 Deductible

F00040-02-000-02 / F00040-06-000-02

Advance / Deluxe - HK$40,000 Deductible

F00040-03-000-02 / F00040-07-000-02

Advance / Deluxe - HK$80,000 Deductible

F00040-04-000-02 / F00040-08-000-02

Download product brochure

Download Product Details

Product details for the Certified Plan and optional benefits

For new application or renewal from 1 April 2022

Policy and Benefit Information of the Certified Plan

PDF, 2.44 MB

Application form

PDF, 3.29 MB

Product details for Supplementary Critical Illness Benefit

Brochure

including Schedule of Critical Illness Benefits and Table of Subscriptions

PDF, 1.33 MB

PDF, 1.3 MB

Application form

Applicable to enrolment in Bupa Hero VHIS Plan and Supplementary Critical Illness Benefit

PDF, 2.85 MB

Product details for the Certified Plan and optional benefits

For effective date or renewal from 1 January 2021 to 31 March 2022

Policy and Benefit Information of the Certified Plan

PDF, 2.68 MB

Supplement

Inclusion of VAT and GST as Eligible Expenses

PDF, 464.5 Kb

Change of Payment Method and Account Number Form

PDF, 981.64 Kb

Declaration of Membership Card Loss Form

PDF, 1.25 MB

Reinstatement Application Form

PDF, 1.18 MB

Bupa Health Insurance Scheme Credit Card Authorisation Form

PDF, 925.76 Kb

Bupa Health Insurance Scheme Direct Debit Authorisation Form

PDF, 929.42 Kb

Registration Variation Form

PDF, 1.64 MB

Hospital Claim Form

PDF, 2.55 MB

Clinical Claim Form

PDF, 2.01 MB

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Terms and Conditions for the 24-hour Mental Health Service Hotline

PDF, 346.99 Kb

Comparison with Bupa MyBasic VHIS Plan

the Standard Plan

PDF, 981.34 Kb

Comparision plan

Additional coverage

Bupa's goal is to help people live longer, healthier and happier lives and create a better world. We are an international healthcare company serving more than 38 million clients worldwide. Bupa's goal is to help people live longer, healthier and happier lives and create a better world. We are an international healthcare company serving more than 38 million clients worldwide.

Bupa's goal is to help people live longer, healthier and happier lives and create a better world. We are an international healthcare company serving more than 38 million clients worldwide.