| Bupa Hero VHIS Plan (Advance), with full medical coverage up to HKD25M. Apply by 31 July for up to 75% off first-year premiums. |
Plan overview
Bupa Hero VHIS Plan (F00040) is certified by the Food and Health Bureau and underwritten by Bupa (Asia) Limited. It offers 2 plan options (Advance and Deluxe) with up to HKD30 million full medical coverage[1] in Asia, Australia and New Zealand[2]. 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
Comparison between the Advance and Deluxe Plans
HKD 25,000,000
HKD 30,000,000
No limit
No limit
Semi-private room
(For Hong Kong, Macau, Taiwan and mainland China)
Standard private room
(For other areas in Asia, Australia and New Zealand)
Standard private room
(For all areas in Asia, Australia and New Zealand)
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover for all related outpatient expenses within 30 days before or 90 days after confinement or day case procedure.
Full cover for all related outpatient expenses within 30 days before or 90 days after confinement or day case procedure.
Full cover
Full cover
HKD 750 /day
HKD 900 /day
Full cover
Full cover
Full cover
Full cover
Full cover
Full cover
HKD 150,000 /year
HKD 180,000 /year
HKD 1,500 /day
HKD 2,650 /day
HKD 100,000 /year
HKD 120,000 /year
HKD 400 /visit
HKD 540 /visit
HKD 100,000 /year
HKD 120,000 /year
Nil
Offered from the second policy year, up to HKD4,000
- Clinical Benefit
- Maternity Benefit
- Dental Benefit
- Clinical Benefit
- Maternity Benefit
- Dental and Optical Benefit
Online / Branch
Branch
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/.
FAQs
You can use your Bupa HealthPlus card (BHP 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 HealthPlus appointed service provider.
Please submit a pre-authorisation form[9] to Bupa at least 1 working day before treatment and present your BHP 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 remark [3] . The latest list of Bupa HealthPlus 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 HealthPlus card can’t be used for item (k) and (l) listed under 1) Basic Benefits and items (c) – (i) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. You also can’t use your medical card at the day case unit 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 of Asia, Australia and New Zealand, 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. 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.
Please visit one of our Hang Seng branches and enrol your family members with the help of our staff.
What are the general exclusions?
Expenses incurred for treatments which are not medically necessary
Expenses incurred for treatments, procedures, medications, tests or services which are not medically necessary.
Expenses incurred for confinement solely for the purpose of diagnostic procedures or allied health services
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
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 arising from the dependence, overdose or influence of drugs, alcohol, narcotics, etc.
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).
Services for beautification or cosmetic purposes, correcting visual acuity or refractive errors
Any charges in respect of services for:
- 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
- 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
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:
- treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other medical services provided;
- removal of pre-malignant conditions;
- treatment for prevention of recurrence or complication of a previous disability; and
- 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
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.
Expenses incurred for medical services relating to maternity conditions and its complications, birth control, sex reassignment, infertility, sexual dysfunction, etc.
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
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.
Expenses incurred for traditional Chinese medicine treatment
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
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 as a result of congenital condition(s)
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.
Expenses which have been reimbursed under any law, medical program or insurance policy
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, rebellion, military, etc.
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.)
-
Mr. Chan had enrolled in Bupa Hero VHIS Plan (Advance) with a HKD12,000 deductible
-
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
-
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
-
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
-
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
-
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 |
Deluxe plan |
|---|---|
HKD0 Deductible |
HKD0 Deductible |
HKD12,000 Deductible |
HKD12,000 Deductible |
HKD40,000 Deductible |
HKD40,000 Deductible |
HKD80,000 Deductible |
HKD80,000 Deductible |
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
Download claim form
You can find all the forms and documents here for our insurance products.
Useful Information
Need more help?
Footnote
Other point(s) to note
- 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.
- The above information is a product summary for reference only. Please refer to the policy for the detailed coverage, general exclusions, terms and conditions.
- 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)
- 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.
- Asia, Australia and New Zealand means 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. For eligible expenses covered under the certified plan but incurred outside Asia, Australia and New Zealand, benefits shall only be payable according to the VHIS Standard Plan Terms and Benefits. Please refer to the Policy for details.
- Cashless treatment is not applicable to items (k) and (l) listed under 1) Basic Benefits and items (c) – (i) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. Your medical card is not applicable to the day case unit of a local private hospital. 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 HealthPlus appointed service providers. This list is subject to change from time to time. 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.
- Bupa 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.
- 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.
- 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.
- Unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8 are covered subject to the waiting period and reimbursement percentage as follows:
- First policy year: no coverage
- Second policy year: 25% reimbursement
- Third policy year: 50% reimbursement
- Fourth policy year onwards: full coverage
- 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. - 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.