Bupa MyBasic VHIS Plan

New customers who successfully enrol in the VHIS Series Plans can enjoy the designated offers.

Terms and Conditions apply. The relevant health insurance schemes are VHIS Plan certified by the Food and Health Bureau of Hong Kong and is underwritten by Bupa (Asia) Limited.

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Voluntary Health Insurance Scheme Series

Hang Seng Bank Limited (‘Hang Seng Bank’) understands that managing your health is as important as managing your wealth. Together, Hang Seng Bank and Bupa (Asia) Limited (‘Bupa’), the health insurance specialist in Hong Kong, offer VHIS plans with all VHIS standard features to enhance consumer protection. Our certified VHIS plans, Bupa MyBasic VHIS Plan (standard plan) and Global Prestige VHIS Plan (flexi plan), are underwritten by Bupa and distributed by Hang Seng Bank as an exclusive banking partner in Hong Kong.

Our VHIS plans provide standard features that are certified by the Food and Health Bureau of the Hong Kong government, including coverage for unknown pre-existing conditions, day case surgical procedures, eligibility for tax deduction and more.

Bupa MyBasic VHIS

Global Prestige VHIS

Bupa MyBasic VHIS

(VHIS Certification Number: S00020-01-000-01)

Certified VHIS standard plan for your basic medical needs

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 (Asia) Limited (‘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 lifetimeSubject 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.. Get your quote online and apply, with no hassle of medical examinations. The sooner you enrol, the sooner your cover will start!

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Key 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 HKD 420,000 every year without any limit on the medical expenses you can claim in your lifetimeSubject 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..

Enhanced cover including 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 periodpoint2. 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 effectBupa 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..

Prescribed diagnostic imaging tests benefit

This Plan covers up to HKD 20,000 per year towards prescribed diagnostic imaging tests such as MRI and CT scansSubject to 30% coinsurance. Coinsurance means the percentage of eligible expenses that must be paid by the policy holder..

Prescribed non-surgical cancer treatments benefit

This benefit includes up to HKD 80,000 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 HKD 30,000 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 HKD 8,000 per insured person each yearAny 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..

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

Eligibility

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 yearsEligible family members include the policy holder’s spouse, domestic partner, children, parents, parents-in-law, grandparents, grandchildren and domestic partner’s parents/children.(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.

VHIS enquiries

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 (https://www.ia.org.hk/) about the conduct of insurance companies and intermediaries.

Please consult your own tax and accounting advisors or contact the Inland Revenue Department (https://www.ird.gov.hk/) with questions about tax deduction.

Product information

Product Brochure

Policy and Benefit Information

Standard Premium Schedule

Learn more about VHIS

Migration Information (applicable to existing HASE Bupa scheme customers)

Global Prestige VHIS

Global Prestige VHIS Plan

Certified VHIS flexi plan with HKD30 million worldwide medical coverage per year

Global Prestige VHIS Plan (‘this Plan’) 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 Hong Kong 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. For details, please check VHIS comparison table.

Details of the Global Prestige VHIS Plan options are shown 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）

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Key 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 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..

Cashless treatment

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.

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 periodpoint5. 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 supportA 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..

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 effectBupa 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..

Premium discounts when enrolling with your family

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

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 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.

Eligibility

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 yearsEligible 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.(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.

VHIS enquiries

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 (https://www.ia.org.hk/) about the conduct of insurance companies and intermediaries.

Please consult your own tax and accounting advisors or contact the Inland Revenue Department(https://www.ird.gov.hk/) with questions about tax deduction.

Product information

Product Brochure

Policy and Benefit Information

Premium Table

Learn more about VHIS

Migration information (applicable to existing HASE Bupa scheme customers)

Make a claim

Claims procedure

Find details on how to submit your claim and more

View details

Download form

You can find all the forms and documents here for our insurance products.

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Other points to note

The above information is a product summary for reference only. Please refer to the contract for the detailed coverage, exact Terms and Conditions and exclusions of the relevant Health Insurance Schemes. In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail. This scheme is underwritten by Bupa which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Bupa for the exclusive distribution of this scheme. Subscription will be payable to Bupa upon enrolment of this scheme. Bupa will provide Hang Seng Bank the relevant commission and performance bonus in accordance with the selling of this scheme. 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. 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 contractual terms or performance (claims and service) of the product should be resolved directly between Bupa and the customer. HealthPro Concierge Service is provided by Bupa.

Voluntary Health Insurance Scheme Series

Government certified medical plans with high transparency and all-round protection

Voluntary Health Insurance Scheme Series

Global Prestige VHIS Plan

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