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VHIS Insurance

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
  • 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
VHIS vs General Traditional Medical Insurance
Company B
Company C
Hospitalization/Surgery Coverage*
Full Cover
Full Cover
Full Cover
Cover unknown pre-existing conditions
NO waiting period
Full coverage starting from day 1
With waiting period
NO waiting period
Full coverage starting from day 1
Benefit limit
Annual:HK$40 millions
Lifetime : Unlimited
Annual:HK$10 millions
Lifetime : HK$50 millions
Annual:HK$30 millions
Lifetime : Unlimited
Optional coverage options
Outpatient, Dental, Obstetrics
Cashless service
(no additional charge)
Additional charge required
(no additional charge)
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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