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All you need to know about VHIS

The Food and Health Bureau (FHB) launched the Voluntary Health Insurance Scheme (VHIS) in April 2019. The goal of the scheme is to create minimum standards for certified individual medical insurance plans, giving consumers greater transparency.


With these changes, the government hopes to encourage more people to purchase medical insurance and use private medical facilities. This will help to relieve pressure on public healthcare services. And consumers will have more choices for medical insurance.


As a medical insurance expert in Hong Kong, Bupa has registered as a VHIS provider with the FHB. The effective date of Bupa's registration is 28 February 2019 and our registration number is 00020.


VHIS is new to the market. You might find it difficult to understand, but we're here to help. You can learn more about the different aspects of VHIS at the links below.

Public and private hospital care

There are increasing demands on Hong Kong's public healthcare services. And private hospital costs can be very high.

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What's VHIS?

There are two types of VHIS plans: Standard and Flexi. Both types of plans provide individual health insurance that reimburse your actual medical expenses.

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Tax deduction for VHIS plans

You can purchase a VHIS certified plan for yourself or your family members and claim a tax deduction on the qualifying premiums paid.

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Choose a VHIS Standard or Flexi plan to suit your needs

Bupa Hero VHIS Plan

A tax-deductible VHIS flexi plan with full cover for surgical and cancer treatments and more up to HK$40M annually, with plans covering Asia, Australia and New Zealand or worldwide excluding the United States, plus 4 deductible options.

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Bupa MyFlexi VHIS Plan

A tax-deductible VHIS flexi plan with flexible options to meet your needs. Add Push the Limit Benefit for up to HK$1.68M Full Cover & Supplementary Major Medical Benefit annually.


Learn More

Bupa MyBasic VHIS Plan

A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic protection for your health and wellbeing. Qualifying premiums are eligible for claiming tax deduction.



Learn More

Talk to us

Contact our health management consultant to get details and advice.

2517 5860

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

【Get Quote or Details】

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.

Member get member

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 # :

  • 【Limited-time offer】 Bupa HERO VHIS Plan - Up to 41% off for single enrolment and up to 50% off for family enrolments
  • 【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 30% off

The promotion is valid until 31 December 2022. 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 annual premium or subscription over HK$3,000 or equivalent 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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