Please select
Search
Insurance & MPF > Medical Insurance > Voluntary Health Insurance Scheme
Bupa MyBasic VHIS Plan
       Quote Now         Arrange a Call-back
(VHIS Certification Number: S00020-01-000-01)
Bupa MyBasic VHIS Plan (“this Plan”) is a Voluntary Health Insurance Scheme Standard Plan certified by the Food and Health Bureau of Hong Kong. This Plan is underwritten by Bupa and distributed by Hang Seng Bank Limited (“Hang Seng Bank”) as an exclusive banking channel in Hong Kong. This Plan provides worldwide medical coverage with no limit on the medical expenses you can claim in your lifetime1. Get your quote online and apply, with no hassle of medical examinations. The sooner you enrol, the sooner your cover will start!
Product Features
Cover for your Basic Medical Needs
This Plan covers necessary expenses from Room and Board and Surgeon’s fees to outpatient visits before or after a hospital confinement or day case procedure up to HKD420,000 every year without any limit on the medical expenses you can claim in your lifetime1.
Enhanced Cover Including Unknown Pre-existing Conditions
Your policy can cover unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8, subject to a waiting period2. You can also choose cover for pre-existing conditions, subject to underwriting and an additional premium.
Guaranteed Renewal
We guarantee that your cover can be renewed up to the age of 100. Your premium will only be adjusted based on your age no matter how much you claim after your policy is in effect3.
Prescribed Diagnostic Imaging Tests Benefit
This Plan covers up to HKD20,000 per year towards prescribed diagnostic imaging tests such as MRI and CT scans4.
Prescribed Non-surgical Cancer Treatments Benefit
This benefit includes up to HKD80,000 per year in prescribed treatments for cancer such as radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
Psychiatric Treatments Benefit
To support mental health, this Plan covers up to HKD30,000 per year in psychiatric treatment during hospitalisation in Hong Kong.
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 HKD8,000 per insured person each year5.
Please click here for details about tax deduction.

Want even better cover?

Choose our Global Prestige VHIS Plan, providing enhanced coverage to meet your needs.
Please click here for more details.
Application Eligibility / Requirement
  • This Plan is only available for Hang Seng Bank customers.
  • As a policy holder, you must be aged 18 or older.
  • You and your family members can enrol from age 15 days to 80 years6 (inclusive) at policy commencement.
  • You can settle the premiums by setting up autopay from your Hang Seng bank account or Hang Seng credit card account.
If you wish to know more, please read the product brochure and policy and benefit information for details.
Quote Now


Apply by Phone: 2998 9886Quote Online
    • You can contact the VHIS Office of the Food and Health Bureau at vhis_enquiry@fhb.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.
      • (1)Subject to eligibility of the related expenses and the annual limit. For psychiatric treatment, the territorial scope of cover is Hong Kong. Please refer to the Policy and Benefit Information for details.
      • (2) Unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8 are covered subject to the waiting period and reimbursement percentage as follows:
        • First Policy Year: no coverage
        • Second Policy Year: 25% reimbursement
        • Third Policy Year: 50% reimbursement
        • Fourth Policy Year onwards: full coverage
      • (3) Bupa guarantees that your cover can be renewed up to the age of 100 as long as you meet the requirements as stated in the renewal provisions of your policy terms and conditions. Bupa reserves the right to amend the premium, benefits, terms and conditions upon policy renewal.
      • (4) Subject to 30% coinsurance. Coinsurance means the percentage of eligible expenses that must be paid by the policy holder.
      • (5) Any taxpayer who has purchased an eligible health insurance plan (certified by the Food and Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HKD8,000 per insured person each year. The relationship between the taxpayer and the insured person must be included in the list of “specified relatives” in the Inland Revenue (Amendment)(No. 8) Ordinance 2018 (which may change from time to time). The deduction is available for certified plans 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, grandchildren or domestic partner’s parents/children are not eligible for tax deduction. Please click here for details about tax deduction.
      • (6) Eligible family members include the policy holder’s spouse, children, grandchildren; policy holder or policy holder’s spouse’s parents, grandparents, siblings; domestic partner, domestic partner’s parents/children.
    Disclosure of Information

    The above information is a product summary for reference only. Please refer to the policy for the detailed coverage, exact terms and conditions and exclusions of the relevant Voluntary Health Insurance Scheme. This Plan is underwritten by Bupa (Asia) Limited (“Bupa”) which is authorized and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank is an insurance agent authorized by Bupa for the distribution of this Plan. Premium will be payable to Bupa upon enrolment of this Plan. Bupa would provide Hang Seng Bank the relevant commission and performance bonus in accordance to the selling of this Plan. The existing sales staff remuneration policy offered by Hang Seng Bank would take into account various aspects of the staff performance but not solely on the sales amount. In respect of an eligible dispute arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the policy terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.

    Global Prestige VHIS Plan
    Arrange a Call-back
     
    Global Prestige VHIS Plan (“this Plan”) (VHIS Certification Numbers are shown in brackets below) is a Voluntary Health Insurance Scheme Flexi Plan underwritten by Bupa (Asia) Limited (“Bupa”) and exclusively made for esteemed customers of Hang Seng Bank Limited (“Hang Seng Bank”). Certified by the Food and Health Bureau of HK SAR Government, this Plan provides worldwide medical coverage of up to HKD30 million per year. Simply visit our branches to apply, with no hassle of medical examinations. The sooner you enrol, the sooner your cover will start!

    This Plan provides enhanced features in addition to the benefits of the VHIS Standard Plan. Please click here for more details.

    Details of the Global Prestige VHIS Plan options are below:

    Global Prestige VHIS Plan Options

    VHIS certification numbers

    $0 Deductible

    (F00035-01-000-01)

    $12,000 Deductible

    (F00035-02-000-01)

    $40,000 Deductible

    (F00035-03-000-01)

    $80,000 Deductible

    (F00035-04-000-01)


    Product Features
    Full Cover for Medical Expenses
    This Plan provides generous worldwide cover of up to HKD30 million every year with no limit on the medical expenses you can claim during your lifetime1.
    Cashless Treatment2
    With the Bupa medical card, you can enjoy the convenience of cashless treatment at designated private hospitals3 and Bupa appointed clinics4 in Hong Kong.
    Enhanced Cover Including Unknown Pre-existing Conditions
    Your policy can cover unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8, subject to a waiting period5. You can also choose cover for pre-existing conditions, subject to underwriting and an additional premium.
    More Affordable Healthcare with Deductible Options
    This Plan offers four deductible options, giving you greater flexibility. You can choose the amount you’ll contribute to your eligible medical expenses each year before receiving reimbursement from Bupa. This way you can lower your premiums.
    Deductible options: HKD0 / HKD12,000 / HKD40,000 / HKD80,000
    HealthPro Concierge Service
    The first of its kind in Hong Kong, this service provides personal healthcare support delivered by a team of healthcare professionals. It includes a 24-hour Healthline, personal care manager, doctor referral and appointment making, second medical opinion, chronic conditions programme and non-emergency global healthcare support6.
    Medical Check-up Benefit
    Regular health screening is important for early detection and treatment of illnesses. That’s why your policy comes with a free health assessment each year, starting from the second year.
    Guaranteed Lifetime Renewal
    We guarantee that your cover can be renewed for life. Your premium will only be adjusted based on your age no matter how much you claim after your policy is in effect7.
    Premium Discounts when Enrolling with your Family
    You’ll receive premium discounts8 when enrolling with your family members:
    • 2 eligible family members enrol together: 10% discount
    • 3 or more eligible family members enrol together: 15% 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 HKD8,000 per insured person each year9.
    Please click here for details about tax deduction.

    Application Eligibility / Requirement
    • This Plan is only available for Hang Seng Bank customers.
    • As a policy holder, you must be aged 18 or above.
    • You and your family members can enrol from birth to the age of 80 years10 (inclusive) at policy commencement.
    • You can settle the premiums by setting up autopay from your Hang Seng bank account or Hang Seng credit card account.
    If you wish to know more, please read the product brochure and policy and benefit information for details.
    Quote Now
    Please call 2998 9886 for enquiry or visit any of our branches to apply now!
    • You can contact the VHIS Office of the Food and Health Bureau at vhis_enquiry@fhb.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.
      • (1) Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to eligible expenses and subject to the annual benefit limit and deductible set out in the Summary of Benefits. You need to follow the required procedures to enjoy full cover. Please refer to the Policy for details.
      • (2) If you receive treatment at designated private hospitals in Hong Kong, you can enjoy cashless treatment for the following items: items (a) - (j) listed under 1) Basic Benefits and items (a), (b) and (d) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. You need to follow the required procedures to enjoy cashless treatment. Please refer to the Policy and membership guide for details.
      • (3) The current list of designated private hospitals in Hong Kong includes Canossa Hospital (Caritas), Gleneagles Hong Kong Hospital, Hong Kong Adventist Hospital - Stubbs Rd., Hong Kong Adventist Hospital - Tsuen Wan, Hong Kong Baptist Hospital, Matilda International Hospital, St. Paul's Hospital, Union Hospital, Evangel Hospital, Hong Kong Sanatorium & Hospital, Precious Blood Hospital (Caritas) and St. Teresa's Hospital. This list is subject to change from time to time.
      • (4) If you’ve enrolled in the optional Clinical Benefit, you can also enjoy cashless treatment at Bupa appointed clinics for covered clinical benefits. Please refer to the Policy and membership guide for details. Please log in to Bupa's customer service portal to view the latest list of Bupa appointed clinics. This list is subject to change from time to time.
      • (5) Unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8 are covered subject to the waiting period and reimbursement percentage as follows:
        • First policy year: no coverage
        • Second policy year: 25% reimbursement
        • Third policy year: 50% reimbursement
        • Fourth policy year onwards: full coverage
      • (6) A team of qualified nurses and healthcare professionals, supported by doctors, are ready to answer your call 24 hours a day. Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon–Fri, from 9am to 7pm (Hong Kong time), except public holidays. Any fees for the services suggested by the HealthPro Concierge Service will be paid by the policy holder unless otherwise covered by benefits under the policy.
      • (7) Bupa guarantees that your cover can be renewed for life, as long as you meet the requirements as stated in the renewal provisions of your policy terms and conditions. Bupa reserves the right to amend the premium, benefits, terms and conditions upon policy renewal. Please refer to your Policy for further details.
      • (8) Family discount will be applied to the standard premium and premium loading of the certified plan only, but not any other optional benefits under the Global Prestige VHIS Plan. The discount will be valid as long as the eligible family members are all covered under a Global Prestige VHIS Plan at the same time.
      • (9) Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the Food and Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HKD8,000 per insured person each year. The relationship between the taxpayer and the insured person must be included in the list of “specified relatives” in the Inland Revenue (Amendment)(No. 8) Ordinance 2018 (which may change from time to time). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for 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), domestic partner’s parents/children are not eligible for tax deduction. Please click here for details about tax deduction.
      • (10) Eligible family members include the policy holder’s spouse, children, grandchildren; policy holder or policy holder’s spouse’s parents, grandparents, siblings; domestic partner, domestic partner’s parents/children.
    Disclosure of Information

    The above information is a product summary for reference only. Please refer to the policy for the detailed coverage, exact terms and conditions and general exclusions of the relevant Voluntary Health Insurance Scheme. This plan is underwritten by Bupa (Asia) Limited (“Bupa”) which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank is an insurance agent authorised by Bupa for the exclusive distribution of this plan. Premium will be payable to Bupa upon enrolment in this Plan. Bupa will provide Hang Seng Bank the relevant commission and performance bonus in accordance with the selling of this Plan. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of staff performance but not solely the sales amount. HealthPro Concierge Service is provided by Bupa. In respect of an eligible dispute arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the policy terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer.