Voluntary Health Insurance Scheme Series

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 lifetimePlease 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..

With the Bupa medical card, you can enjoy the convenience of cashless treatmentIf 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. at designated private hospitalsp3 and Bupa appointed clinicsp4 in Hong Kong.

Your policy can cover unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8, subject to a waiting periodpoint5. You can also choose cover for pre-existing conditions, subject to underwriting and an additional premium.

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

The first of its kind in Hong Kong, this service provides personal healthcare support delivered by a team of health management 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 supportA team of qualified nurses and health management 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 6pm (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..

Besides offering coverage for your physical health, we also care about your mental health.

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. Rest assured that all information provided will be kept in strict confidence.

The 24-hour Mental Health Service Hotline is applicable to insured persons aged 18 or above. Insured persons aged below 18 must be accompanied by the policy holder or guardian to use this service. Terms and conditions apply. Please refer to the Policy for details.

Starting from the second year, you can select your choice of medical check-up at any medical centre and then submit one medical check-up claim to Bupa up to HK$4,000 per year. Alternatively you can receive a free comprehensive health assessment at designated health screening centres every year (only applicable to insured persons aged 18 or above; assessment items may includes screening for lipids, liver function, renal function, coronary risk, tumour markers, etc.).

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 effectBupa guarantees that your cover can be renewed every year for life, as long as you meet the requirements as stated in the renewal provisions of your policy terms and conditions. .

You’ll receive premium discountsFamily 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.when enrolling with your family members:

• 2 eligible family members enroll together: 10% discount
• 3 or more eligible family members enroll together: 15% discount
  

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 yearAny 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..

For details about tax deduction, please refer to About VHIS tax deduction.