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.