Global Prestige VHIS Plan

This is a VHIS flexi plan certified by the Food and Health Bureau of Hong Kong and underwritten by Bupa (Asia) Limited

Plan overview

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 the 
VHIS comparison table.

Key features

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 lifetimepoint1.

With the Bupa medical card, you can enjoy the convenience of cashless treatmentpoint2 at designated private hospitalspoint3 and Bupa appointed clinicspoint4 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 supportpoint6.

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(s) at any medical centre and then submit multiple medical check-up claims to Bupa up to a total of HKD4,000 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 effectpoint7.

You’ll receive premium discountspoint8 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 yearpoint9.

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

More product details

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 yearspoint10(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.

Product information

To view previous versions of the Policy and Benefit Information of the Certified Plan for this plan, please visit Bupa's website at https://www.bupa.com.hk/en/medical-insurance/global-prestige/.

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.

VHIS Plan options

Details of the Global Prestige VHIS Plan options are shown below:

Global Prestige VHIS Plan Options
VHIS certification numbers
HKD0 Deductible
(F00035-01-000-02)
HKD12,000 Deductible
(F00035-02-000-02)
HKD40,000 Deductible
(F00035-03-000-02)
HKD80,000 Deductible
(F00035-04-000-02)

Make a claim

Claim procedures

Find details on how to submit your claim and more.

Download claim form

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

Useful Information

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Footnote

Other point(s) to note

  1. Disclosure of information: The above plan is certified by the Food and Health Bureau of Hong Kong and is underwritten by Bupa (Asia) Limited ("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 distribution of this plan. Premium will be payable to Bupa upon enrolment in this plan. Bupa will provide Hang Seng Bank with 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 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.
  2. The above information is a product summary for reference only. Please refer to the policy for the detailed coverage, general exclusions, terms and conditions. 
  3. The tax incentives mentioned in this webpage are only available to Hong Kong taxpayers. Whether tax deduction is allowable for all or any part of the qualifying premiums paid under your VHIS Plan and the actual tax deductible and/ or saving amount shall be subject to your personal circumstances, the provisions of the Inland Revenue Ordinance (Cap. 112 of the Laws of Hong Kong SAR) and the Inland Revenue Department's discretion. All the information relating to VHIS tax incentive included in this webpage is not intended to provide any form of tax advice. Hang Seng Bank Limited does not provide tax advice. If you are in doubt with your tax status or any information relating to tax incentives, you should obtain independent professional advice or visit the Inland Revenue Department’s website. Please note that the tax law, regulations and/or interpretations are subject to change and may affect any related tax incentive including the eligibility criteria for a tax deduction. Hang Seng Bank Limited is not responsible for informing you about any changes in laws, regulations or interpretations, and how they may affect you.

Remark(s)