Bupa MyBasic VHIS Plan

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

Plan overview

VHIS Certification Number: S00020-01-000-02

Bupa MyBasic VHIS Plan (‘this Plan’) is a Voluntary Health Insurance Scheme Standard Plan certified by the 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 VHIS Standard Plan provides worldwide medical coverage with no limit on the medical expenses you can claim in your lifetime and we guarantee your cover can be renewed up to the age of 100point. Get your quote online and apply, with no hassle of medical examinations. The sooner you enrol, the sooner your cover will start!

Key features

This Plan is a certified VHIS Standard Plan. It covers your 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 HKD420,000 every year without any limit on the medical expenses you can claim in your lifetimepoint1.

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.

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 effectpoint3.

This VHIS Standard Plan covers up to HKD20,000 per year towards prescribed diagnostic imaging tests such as MRI and CT scanspoint4.

This VHIS Standard Plan provides up to HKD80,000 benefits per year in prescribed treatments for cancer such as radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

To support mental health, this Plan covers up to HKD30,000 per year in psychiatric treatment during hospitalisation in Hong Kong.

This Plan is a certified VHIS standard plan. You can claim a tax deduction on qualifying premiums up to a limit of HKD8,000 per insured person each yearpoint5.

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

Want even better cover?

Choose our Bupa Hero VHIS Plan or Global Prestige VHIS Plan, providing enhanced coverage to meet your needs.

More product details


  • 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 yearspoint6(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/mybasic/.

VHIS enquiries

You can contact the VHIS Office of the Health Bureau at vhis_enquiry@healthbureau.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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Other point(s) to note

  1. Disclosure of information: The above plan is certified by the Health Bureau of Hong Kong SAR and is underwritten by Bupa (Asia) Limited (“Bupa”) which is authorised and regulated by the Insurance Authority in Hong Kong SAR. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by Bupa for the distribution of the above plan. The above plan is product of Bupa and not Hang Seng Bank. Premiums will be payable to Bupa upon enrolment in the above plan. Bupa will provide Hang Seng Bank with the relevant commission and performance bonus as remuneration for distribution of the above plan. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of the staff performance but not solely the sales amount. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) 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 (underwriting, 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, exclusions, terms and conditions. In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail.
  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.