Bupa VHIS Series
Choose a Bupa Standard or Flexi plan to suit your needs
The Voluntary Health Insurance Scheme (VHIS) aims to create minimum standards for certified individual medical insurance plans, giving consumers greater transparency. As a medical insurance expert in Hong Kong, Bupa offers three VHIS certified plans: MyBasic VHIS (a Standard plan), MyFlexi VHIS (a Flexi plan) and Hero VHIS (a Flexi plan). Flexi Plans include enhanced features in addition to the benefits of the Standard Plan, as well as flexible options to customise your plan.
The key features of MyBasic VHIS, MyFlexi VHIS and Hero VHIS are highlighted in the table below.
Benefit limits (HK$)
Annual benefit limit (HK$)
$420,000
(Benefits are subject to individual item limits)
Nil
(Benefits are subject to individual item limits)
Full cover up to
$40,000,000
Lifetime benefit limit
Nil
Nil
Nil
Area of cover
Area of cover
Worldwide
Worldwide
Asia, Australia and New Zealand / Worldwide excluding the United States
(Eligible expenses incurred outside the chosen area of cover shall be covered according to the VHIS Standard Plan Terms and Benefits)
Annual deductible options (HK$)
Basic Benefits
Day case procedures
Full cover
Pre-and post-Confinement / Day Case Procedure outpatient care
Full cover
Enhanced benefits
Private nursing
N/A
Full cover
Companion bed
N/A
Full cover
Emergency outpatient treatment for Accidents
N/A
Full cover
Day Patient kidney dialysis
N/A
Full cover
Complications of pregnancy
N/A
N/A
Rehabilitation
N/A
N/A
Hospice and palliative care
N/A
N/A
Consultation or acupuncture by a Registered Chinese Medicine Practitioner after Confinement or specific treatments
N/A
Prosthetic Device
N/A
N/A
Home facility enhancement due to Stroke
N/A
N/A
Non-Confinement sleep apnea test
N/A
N/A
Full cover
Additional features
Eligible for tax deduction
Guaranteed renewal
Optional enhanced benefit – Push the Limit
Full Cover Benefit
N/A
N/A
Full cover already available for eligible expenses incurred within the chosen area of cover
Supplementary Major Medical Benefit
N/A
N/A
Optional benefits
Supplementary Critical Illness Benefit
N/A
N/A
Clinical Benefit
N/A
Dental Benefit
N/A
Optical Benefit
N/A
N/A
Available with Deluxe plans
Maternity Benefit
N/A
Discounts
Lifelong Family / Child discount
N/A
Up to 35% Child discount
Up to 15% Family discount
No claim renewal discount
N/A
N/A
Free Benefits
Health Coaching Services
N/A
24-hour Mental Health Service Hotline
N/A
N/A
Bupa Worldwide Assistance Programme
N/A
Brochure (including Summary of Benefits and Standard Premium Schedule)
The above information is for reference only. Please refer to the Policy and Benefit Information of the respective plans for details.
To learn more, download our comparison of the MyBasic VHIS Plan and MyFlexi VHIS Plan (PDF, 0.7 MB) and comparison of the MyBasic VHIS Plan and Hero VHIS Plan (PDF, 0.7 MB).
Related Articles:
【Limited Time Offer】
Bupa MyBasic VHIS Plan
S00020-01-000-02
Bupa MyFlexi VHIS Plan
• Deluxe / Deluxe Plus
(F00029-03-000-04 / F00029-03-001-04)
• Advance / Advance Plus
(F00029-02-000-04 / F00029-02-001-04)
• Standard / Standard Plus
(F00029-01-000-04 / F00029-01-001-04)
Bupa Hero VHIS Plan
• 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)
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 vhis_enquiry@healthbureau.gov.hk 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)