Bupa Hero 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

Bupa logo

Bupa Hero VHIS Plan (F00040) is a VHIS flexi plan certified by the Food and Health Bureau and underwritten by Bupa (Asia) Limited. It offers 4 flexi plan options (Advance, Advance Pro, Deluxe and Deluxe Pro) with up to HKD40 million full medical coverage [1] worldwide (excluding the US) [2] or in Asia, Australia and New Zealand [2][3]. Four flexi plan options provide four deductible options to lower your VHIS premium. You can even apply for Bupa Hero VHIS Plan (Advance) online. This VHIS flexi plan provides enhanced features on top of the VHIS standard plans. Please refer to the VHIS comparison table for details.

Only 3 simple steps to apply online – Quote, apply and pay

Key features

Eligible medical and surgical expenses such as room and board, surgeon’s fees, intensive care, prescribed diagnostic imaging tests and prescribed non-surgical cancer treatments are covered in full[1] up to your annual benefit limit of your chosen VHIS flexi plan option (HKD25 million, HKD30 million, HKD35 million and HKD40 million for the Advance, Advance Pro, Deluxe and Deluxe Pro plans) for treatments in your chosen area of cover[2][3].

With this VHIS flexi plan, you don't need to worry about medical bills adding up if you're diagnosed with cancer. We'll waive your chosen deductible (if any) so that your cancer treatment expenses will be covered straightaway. What's more, treatments such as chemotherapy, radiotherapy (including but not limited to proton therapy), targeted therapy, immunotherapy and more are fully covered up to your annual benefit limit so you can focus on recovery with this VHIS flexi plan.

With your Bupa medical card, you can enjoy cashless treatment at designated private hospitals and Bupa Hero appointed service providers (including diagnostic centres, specialist clinics, etc.) in Hong Kong. For overseas hospitalisation, you can enjoy this service at Bupa network hospitals in your chosen area of coverage by calling Bupa to make the necessary arrangements. Bupa will settle your eligible expenses directly with the hospital or service provider (subject to your pre-approved limit)[4].

Guarantees that your coverage can be renewed every year for life. Your VHIS premium will only be adjusted based on your age no matter how much you claim after your VHIS flexi plan policy is in effect[5].

This VHIS flexi plan offers extended follow-up for any conditions. You can enjoy full coverage for all related outpatient expenses within 90 days before or 365 days after confinement or day case procedure. The enhanced benefits also include coverage for rehabilitation, consultation with a registered Chinese medicine practitioner, prosthetic device and so on. You'll be well protected in case of any chronic diseases or serious illnesses like cancer.

Advance, Advance Pro, Deluxe and Deluxe Pro Plan provide HKD0, HKD12,000, HKD40,000 and HKD80,000 deductible options. A deductible is the amount of eligible expenses that you must pay each year. Bupa will cover the remaining amount up to the benefit limit.

You can choose to lower or remove your deductible within 30 days before the renewal date without re-underwriting one time only at any one of the following ages: 50, 55, 60, 65, 70, 75, 80 or 85. This provides more flexibility for budget planning after retirement.

This VHIS flexi plan is the first VHIS plan in Hong Kong to prioritise mental health, including full coverage for inpatient psychiatric treatments, with a free 24-hour Mental Health Service Hotline[6], which offers personalised emotional support and face-to-face counselling services.

Enjoy a family discount[7] based on the number of family members that you enrol in our VHIS flexi plan with:

  • 10% discount with 2 eligible family members enrol together
  • 15% discount with 3 or more eligible family members enrol together

Your policy can cover unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed from age 8, subject to the policy’s General Exclusions. You can also choose coverage for pre-existing conditions, subject to underwriting and an additional premium.

This plan is a certified VHIS flexi plan. You can claim a tax deduction on qualifying VHIS premiums up to a limit of HKD8,000 per insured person each year[8].

Comparison of the Advance, Advance Pro, Deluxe and Deluxe Pro Plans

Bupa Hero VHIS Plan (Advance)
Bupa Hero VHIS Plan (Advance Pro)
Bupa Hero VHIS Plan (Deluxe)
Bupa Hero VHIS Plan (Deluxe Pro)
Annual benefit limit

HKD
25 million

HKD
30 million

HKD
35 million

HKD
40 million

Lifetime benefit limit

No limit

No limit

No limit

No limit

Restricted ward class

Semi-private room
(For Hong Kong, Macau, Taiwan and mainland China)

Standard private room
(For other areas in Asia, Australia and New Zealand)

Semi-private room
(For Hong Kong, Macau, Taiwan and mainland China)

Standard private room
(For all areas except US)

Standard private room
(For Asia, Australia and New Zealand)

Standard private room
(For all areas except US)

Guaranteed lifetime renewal
Yes
Yes
Yes
Yes
Cashless treatment with Bupa medical card
Yes
Yes
Yes
Yes
Room and board

Full coverage

Full coverage

Full coverage

Full coverage

Miscellaneous charges

Full coverage

Full coverage

Full coverage

Full coverage

Attending doctor's visit fee

Full coverage

Full coverage

Full coverage

Full coverage

Specialist's fee

Full coverage

Full coverage

Full coverage

Full coverage

Intensive care

Full coverage

Full coverage

Full coverage

Full coverage

Surgeon's fee

Full coverage

Full coverage

Full coverage

Full coverage

Anaesthetist's fee

Full coverage

Full coverage

Full coverage

Full coverage

Operating theatre charges

Full coverage

Full coverage

Full coverage

Full coverage

Prescribed Diagnostic Imaging Tests

Full coverage

Full coverage

Full coverage

Full coverage

Prescribed Non-surgical Cancer Treatments

Full coverage

Full coverage

Full coverage

Full coverage

Pre- and post-Confinement / Day Case Procedure outpatient care

Full coverage for all related outpatient expenses within 90 days before or 365 days after confinement or day case procedure.

Full coverage for all related outpatient expenses within 90 days before or 365 days after confinement or day case procedure.

Full coverage for all related outpatient expenses within 90 days before or 365 days after confinement or day case procedure.

Full coverage for all related outpatient expenses within 90 days before or 365 days after confinement or day case procedure.

Psychiatric treatments

Full coverage

Full coverage

Full coverage

Full coverage

Private nursing

Full coverage
(within 90 days)

Full coverage
(within 90 days)

Full coverage
(within 90 days)

Full coverage
(within 90 days)

Companion bed

Full coverage

Full coverage

Full coverage

Full coverage

Emergency outpatient treatment for Accidents

Full coverage

Full coverage

Full coverage

Full coverage

Day Patient kidney dialysis

Full coverage

Full coverage

Full coverage

Full coverage

Complications of pregnancy

HKD
150,000/year

HKD
165,000/year

HKD
180,000/year

HKD
230,000/year

Rehabilitation

HKD2,000/day

HKD2,300/day

HKD3,150/day

HKD3,300/day

Hospice and palliative care

HKD
100,000/year

HKD
110,000/year

HKD
120,000/year

HKD
150,000/year

Consultation or acupuncture by a Registered Chinese Medicine Practitioner after Confinement or specific treatments

HKD650/visit (maximum 20 visits per Year)

HKD700/visit (maximum 20 visits per Year)

HKD750/visit
(maximum 20 visits per Year)

HKD850/visit
(maximum 20 visits per Year)

Prosthetic Device

HKD100,000
per item per year

HKD110,000
per item per year

HKD120,000
per item per year

HKD150,000
per item per year

Medical check-up benefit

Nil

Nil

Offered from the 2nd policy year of up to HKD4,000

Offered from the 2nd policy year of up to HKD4,800

Optional benefits
  • Clinical Benefit
  • Maternity Benefit
  • Dental Benefit
  • Clinical Benefit
  • Maternity Benefit
  • Dental Benefit
  • Clinical Benefit
  • Maternity Benefit
  • Dental and Optical Benefit
  • Clinical Benefit
  • Maternity Benefit
  • Dental and Optical Benefit
Application channel

Online / Branch

Branch

Branch

Branch

Title

Please visit our branches to complete an analysis of your insurance needs

Please visit our branches to complete an analysis of your insurance needs

Please visit our branches to complete an analysis of your insurance needs

Product details

Eligibility

  • As a policy holder, you must be aged 18 or above and Hang Seng Bank customers
  • You and your family members can enrol from age 15 days to 80 years (inclusive) at policy commencement
  • You and your family members must hold valid HKID or Hong Kong birth certificate (only applicable for family members aged under 11) 

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/hero/.

What are the general exclusions?

Expenses incurred for treatments, procedures, medications, tests or services which are not medically necessary.

Expenses incurred for the whole or part of the confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a registered medical practitioner for medically necessary investigation or treatment of a disability which cannot be effectively performed in a setting for providing medical services to a day patient.

Expenses arising from human immunodeficiency virus (“HIV”) and its related disability, which is contracted or occurs before the policy effective date. Irrespective of whether it is known or unknown to the policy holder or the insured person at the time of submission of application, including any updates of and changes to such requisite information (if so requested by Bupa under Section 8 of Part 1 of the Policy Terms and Benefits) such disability shall be generally excluded from any coverage of the Terms and Benefits if it exists before the policy effective date. If evidence of proof as to the time at which such disability is first contracted or occurs is not available, manifestation of such disability within the first five (5) years after the policy effective date shall be presumed to be contracted or occur before the policy effective date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the policy effective date.

However, the exclusion under this entire Section 3 shall not apply where HIV and its related disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of the Policy Terms and Benefits shall apply.

Expenses incurred for medical services as a result of disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related disability, where Section 3 of these General exclusions applies).

Any charges in respect of services for:

  1. beautification or cosmetic purposes, unless necessitated by injury caused by an accident and the insured person receives the medical services within one (1) year of the accident; or
  2. correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.

Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the insured person and/or his family members, hair mineral analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 does not apply to:

  1. treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other medical services provided;
  2. removal of pre-malignant conditions;
  3. treatment for prevention of recurrence or complication of a previous disability; and
  4. any medical check-up benefits payable under Sections 2 and 3 of Supplement 2 of the Policy Terms and Benefits.

Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for emergency treatment and surgery during confinement arising from an accident. Follow-up dental treatment or oral surgery after discharge from hospital shall not be covered.

Except for the complications of pregnancy benefit payable under Section 2(e) of Supplement 1 of the Policy Terms and Benefits, expenses incurred for medical services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.

Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during confinement or on the day of the day case procedure.

Except for the consultation or acupuncture by a registered Chinese medicine practitioner after confinement or specific treatments benefit payable under Section 2(h) of Supplement 1 of the Policy Terms and Benefits, expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.

Expenses incurred for experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.

Expenses incurred for medical services provided as a result of congenital condition(s) which have manifested or been diagnosed before the insured person attained the age of eight (8) years.

Eligible expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

Expenses incurred for treatment for disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Take a look at how Bupa Hero VHIS Plan (Advance) provides comprehensive coverage for Mr. Chan

Plan ahead and prepare for the unexpected with the help of medical insurance. Take a look at how Bupa Hero VHIS Plan (Advance) provides comprehensive coverage for Mr. Chan.

(This example is hypothetical and for reference only.)

  1. Mr. Chan had enrolled in Bupa Hero VHIS Plan (Advance) with a HKD12,000 deductible

  2. He was later diagnosed with colon cancer

    • Mr. Chan found blood in his stool and was diagnosed with stage II colon cancer after a series of tests
    • His doctor arranged for him to have chemotherapy and colon removal surgery, which cost nearly HKD500,000
  3. After he was diagnosed and knew the expected medical costs, Mr. Chan contacted Bupa immediately

    • Bupa’s customer care advisor explained to Mr. Chan his coverage and the claim procedures, and also arranged for him to get pre-authorisation before he was hospitalised
  4. Mr. Chan was admitted to the hospital for treatment

    • Upon admission, Mr. Chan presented his medical card and pre-authorisation letter without paying any hospital deposits
    • Upon discharge, Bupa settled his eligible medical expenses of HKD500,000 with the hospital directly. What’s more, Mr. Chan could also offset the HKD12,000 deductible with his company’s group medical plan. He could focus on recovery without worrying about paying for any medical expenses
  5. A few months after surgery, Mr. Chan’s cancer had recurred

    • He needed chemotherapy and surgery again
    • His condition had not improved after surgery, so the doctor suggested Mr. Chan to have targeted therapy, which costs around HKD250,000 for each course of treatment
  6. Bupa Hero VHIS Plan provides full cover for surgical and non-surgical cancer treatments including chemotherapy and targeted therapy 

    • Mr. Chan could receive the more expensive yet effective targeted therapy treatment for his cancer
    • Mr. Chan’s condition was finally under control after receiving 3 courses of targeted therapy. While the targeted therapy alone costs more than HKD750,000 and his total expenses added up to around HKD1,500,000, Bupa Hero VHIS Plan still fully covered Mr. Chan’s eligible expenses. He didn’t need to worry about his treatment costs and could focus on recovery

Mr. Chan is on the road to recovery.

Today, Mr. Chan is gradually recovering from cancer. But he knows he’s ready for whatever lies ahead with protection from his Bupa health insurance.

VHIS Plan options

Bupa Hero VHIS Plan options with certification numbers are shown below:

Advance plan Advance Pro plan Deluxe plan Deluxe Pro plan
HKD0 Deductible
(F00040-01-000-03)
HKD0 Deductible
(F00040-09-000-01)
HKD0 Deductible
(F00040-05-000-03)
HKD0 Deductible
(F00040-13-000-01)
HKD12,000 Deductible
(F00040-02-000-03)
HKD12,000 Deductible
(F00040-10-000-01)
HKD12,000 Deductible
(F00040-06-000-03)
HKD12,000 Deductible
(F00040-14-000-01)
HKD40,000 Deductible
(F00040-03-000-03)
HKD40,000 Deductible
(F00040-11-000-01)
HKD40,000 Deductible
(F00040-07-000-03)
HKD40,000 Deductible
(F00040-15-000-01)
HKD80,000 Deductible
(F00040-04-000-03)
HKD80,000 Deductible
(F00040-12-000-01)
HKD80,000 Deductible
(F00040-08-000-03)
HKD80,000 Deductible
(F00040-16-000-01)

FAQs

Common questions

You can enjoy full benefit coverage for hospitalisation at the restricted ward class or lower as stated in the Summary of Benefits. If you’re voluntarily hospitalised at a higher ward class, Bupa will adjust your reimbursement based on the terms of your Policy.

On the other hand, if you receive treatment outside your chosen area of cover, your eligible expenses will be paid according to the VHIS Standard Plan Terms and Benefits only regardless of ward class. Please refer to the Policy for details.

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 VHIS 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 Inland Revenue Ordinance (Cap. 112 of the Laws of Hong Kong SAR).

You can claim the tax deduction in the same tax year when the VHIS 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) or domestic partner’s parents/children are not eligible for tax deduction.

To help with the tax deduction process, you’ll receive VHIS Premium payment record from Bupa by the end of April each year. If you have any questions, please contact the Inland Revenue Department or visit our website at 
hangseng.com/vhis_tax_faq_en.

A deductible is the amount you’ll pay towards eligible expenses under the certified plan (except for the Medical Check-up Benefit) before Bupa starts paying your medical expenses. You can offset the selected deductible with reimbursement from your group medical plan or existing health insurance, if any, or simply pay the expenses yourself. This VHIS flexi plan offers four deductible options to lower your premium with more affordable healthcare.

You can also choose to lower or remove your deductible within 30 days before the renewal date without re-underwriting once only at any one of the following ages: 50, 55, 60, 65, 70, 75, 80 or 85. This provides more flexibility for budget planning after retirement.

No, there’s no minimum number of hours that you must stay in hospital while receiving treatment. Day case surgeries and clinical procedures are covered as well. These include treatments such as plaster casts, wound sutures, radiotherapy, chemotherapy, etc.

Bupa has also launched the Bupa Direct Access for You (DAY) programme which provides direct access to day case centres around Hong Kong. The day case centres in Bupa’s DAY programme are well-equipped to provide high-quality and professional services. Access designated day case centres to enjoy cashless treatment for eligible procedures. Please visit the Bupa Direct Access for You (DAY) programme pages on Bupa’s website for details.

FAQs

You can use your Bupa Hero card (BH card) to enjoy cashless treatment for confinement at designated private hospitals in Hong Kong or for day case procedures, prescribed non-surgical cancer treatment or prescribed diagnostic imaging tests at a Bupa Hero appointed service provider.

Please submit a pre-authorisation form[9] to Bupa at least 2 working days before treatment and present your BH card and/or pre-authorisation confirmation at registration. For details of obtaining pre-authorisation, please refer to the Membership Guide.

Bupa will settle your eligible medical expenses with the hospital or service provider directly, subject to the approved credit limit stated in your pre-authorisation confirmation / guarantee of payment letter. You’ll need to pay any medical expenses exceeding the credit limit and submit a claim to Bupa for reimbursement. If you’ve chosen a deductible, or your medical expenses exceed the maximum limit or aren’t covered, you’ll also need to reimburse Bupa for the selected deductible and shortfall[9].

For the list of designated private hospitals in Hong Kong, please refer to point 4 in Remark(s) section. For overseas hospitalisation, you can enjoy cashless treatment at Bupa network hospitals in your chosen area of coverage by calling Bupa to make the necessary arrangements. The latest list of Bupa Hero appointed service providers can be found on Bupa’s customer service portal. These lists are subject to change from time to time.

If you’re unable to get pre-authorisation due to an emergency, please arrange subsequent pre-authorisation on the next working day.

Your Bupa Hero card can’t be used for item (k) and (l) listed under 1) Basic Benefits and items (c) – (j) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. You also can’t use your medical card at the outpatient department of a local private hospital. Please pay your expenses first and submit a claim to Bupa afterwards.

You can enjoy full benefit coverage for hospitalisation at the restricted ward class or lower as stated in the Summary of Benefits. If you’re voluntarily hospitalised at a higher ward class, Bupa will adjust your reimbursement based on the terms of your Policy.

On the other hand, if you receive treatment outside your chosen area of cover, your eligible expenses will be paid according to the VHIS Standard Plan Terms and Benefits only regardless of ward class. Please refer to the Policy for details.

No, there’s no minimum number of hours that you must stay in hospital while receiving treatment. Day case surgeries and clinical procedures are covered as well. These include treatments such as plaster casts, wound sutures, radiotherapy, chemotherapy, etc.

Bupa has also launched the Bupa Direct Access for You (DAY) programme which provides direct access to day case centres around Hong Kong. The day case centres in Bupa’s DAY programme are well-equipped to provide high-quality and professional services. Access designated day case centres to enjoy cashless treatment for eligible procedures. Please visit the Bupa Direct Access for You (DAY) programme pages on Bupa’s website for details.

A deductible is the amount you’ll pay towards eligible expenses under the certified plan (except for the Medical Check-up Benefit) before Bupa starts paying your medical expenses. You can offset the selected deductible with reimbursement from your group medical plan or existing health insurance, if any, or simply pay the expenses yourself. This VHIS flexi plan offers four deductible options to lower your premium with more affordable healthcare.

You can also choose to lower or remove your deductible within 30 days before the renewal date without re-underwriting once only at any one of the following ages: 50, 55, 60, 65, 70, 75, 80 or 85. This provides more flexibility for budget planning after retirement.

This VHIS Flexi plan offers HKD0, HKD12,000, HKD40,000 and HKD80,000 deductible options. If you choose a deductible option, Bupa will cover the remaining amount up to the benefit limit. Here's some examples of the reimbursement calculation:

Example 1

Mr. Chan has enrolled in the “Advance – HKD12,000 Deductible” option under the Bupa Hero VHIS Plan. He received a minor operation in hospital with HKD50,000 in expenses that are eligible for 100% reimbursement. He offset the HKD12,000 deductible with his company’s group medical plan.

So the amount Bupa will pay is:

HKD50,000 – HKD12,000 (deductible) = HKD38,000

Mr. Chan doesn’t need to pay any expenses himself.

Example 2

Ms. Wong has enrolled in the “Advance – HKD80,000 Deductible” option under the Bupa Hero VHIS Plan. She received a minor operation in hospital with HKD50,000 in expenses that are eligible for 100% reimbursement. As her expenses are less than her deductible (HKD80,000), Bupa won’t pay any benefit yet. Ms. Wong needs to pay HKD50,000 herself.

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 VHIS 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 Inland Revenue Ordinance (Cap. 112 of the Laws of Hong Kong SAR).

You can claim the tax deduction in the same tax year when the VHIS 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) or domestic partner’s parents/children are not eligible for tax deduction.

To help with the tax deduction process, you’ll receive VHIS Premium payment record from Bupa by the end of April each year. If you have any questions, please contact the Inland Revenue Department or visit our website at 
hangseng.com/vhis_tax_faq_en.

Yes. VAT and GST levied on medical fees and expenses that are covered under this plan will also be paid as eligible expenses according to the policy terms and benefits. Please note that VAT and GST are not applied to medical expenses incurred in Hong Kong. However, they may be applicable if you seek treatment elsewhere.

Yes, you can apply for Bupa Hero VHIS Plan (Advance) online. 

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.

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: This 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. Health Coaching Services 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)

  1. Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to covered expenses and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits. Please refer to the Policy for details.
  2. For eligible expenses covered under the certified plan but incurred outside your chosen area of coverage, benefits shall only be payable according to the VHIS Standard Plan Terms and Benefits.
  3. Asia, Australia and New Zealand means countries/regions including Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.
  4. Cashless treatment is not applicable to items (k) and (l) listed under 1) Basic Benefits and items (c) – (j) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. Your medical card is not applicable to the outpatient department of a local private hospital. For overseas hospitalisation, you can enjoy cashless treatment by calling Bupa to make the necessary arrangements. You need to follow the required procedures and obtain pre-authorisation from Bupa to enjoy cashless treatment. Designated private hospitals for cashless treatment include Canossa Hospital (Caritas), Evangel Hospital, Gleneagles Hong Kong Hospital, Hong Kong Adventist Hospital - Stubbs Rd., Hong Kong Adventist Hospital - Tsuen Wan, Hong Kong Baptist Hospital, Hong Kong Sanatorium & Hospital, Matilda International Hospital, Precious Blood Hospital (Caritas), St. Paul's Hospital, St. Teresa's Hospital and Union Hospital. This list is subject to change from time to time. Please log in to Bupa's customer service portal to view the latest list of Bupa Hero appointed service providers. Bupa will directly pay your eligible medical expenses to the hospitals and service providers subject to the credit limit stated in your pre-authorisation letter and the benefit limit available under your Policy. You will need to reimburse Bupa for any ineligible medical expenses and selected deductible, if any.
  5. Bupa guarantees that your coverage 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.
  6. 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.
  7. 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 Bupa Hero VHIS Plan. The discount will be valid as long as the eligible family members are all covered under a Bupa Hero VHIS Plan at the same time.
  8. 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 definition of “specified relative” as set out in the Inland Revenue Ordinance (Cap. 112 of the Laws of Hong Kong SAR). 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) or domestic partner’s parents/children are not eligible for tax deduction. For details about tax deduction, please visit hangseng.com/vhis_tax_faq_en.
    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 the 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.
  9. You’ll need to provide your credit card information to obtain pre-authorisation. A temporary hold of HKD500 will be placed on your credit card until the claim assessment is completed. If you’ve chosen a deductible or incur a shortfall, Bupa will automatically collect any deductible or shortfall directly from your designated credit card account on the 21st day after the shortfall invoice is sent to you.
  10. VHIS Certified Plan (No. F00040). Terms and Conditions apply. The plan is certified by the Food and Health Bureau of Hong Kong and is underwritten by Bupa (Asia) Limited.