Bupa Hero VHIS Plan

Bupa Hero VHIS Plan Certification Number:
Advance (HK$0 Deductible): F00040-01-000-01
Advance (HK$12,000 Deductible): F00040-02-000-01
Advance (HK$40,000 Deductible): F00040-03-000-01
Advance (HK$80,000 Deductible): F00040-04-000-01
Deluxe (HK$0 Deductible): F00040-05-000-01
Deluxe (HK$12,000 Deductible): F00040-06-000-01
Deluxe (HK$40,000 Deductible): F00040-07-000-01
Deluxe (HK$80,000 Deductible): F00040-08-000-01

1. The highest annual benefit limit of any Hong Kong VHIS flexi plan for Asia, Australia and New Zealand. Source: Voluntary Health Insurance Scheme website as of 3 February 2020. Asia, Australia and New Zealand means Hong Kong, Australia, New Zealand, Thailand, Japan, Malaysia, Macau, Taiwan, South Korea, Singapore, Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, India, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, the Philippines, Sri Lanka, Tajikistan, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam. For eligible expenses covered under the Certified Plan but incurred outside Asia, Australia and New Zealand, benefits shall be payable according to the VHIS Standard Plan Terms and Benefits.
2. Full cover is only applicable to selected items under Summary of Benefits and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits.
3. Family enrolment for 3 family members or more at the same time can enjoy up to 15% lifetime discount and an extra 10% welcome discount for the first year using annual payment mode.
4. The calculation of $288 average monthly premium is based on an 18-year-old member enrolled in Deluxe Plan with yearly payment and a HK$80,000 deductible option. The calculation of $233 average monthly premium is calculated based on the current premium rate of an insured person aged 18 enrolling in Advance Plan, with yearly payment and a HK$80,000 deductible. Actual premium vary depending on the age of insured person. The fee does not include the latest welcome offer and any premium loading (if applicable).
5. Deductible options include HK$0, HK$12,000, HK$40,000 and HK$80,000. 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. The deductible won’t apply to the Medical Check-up Benefit and optional benefits.
6. The calculation compares deductible options between HK$0 and HK$80,000 for a 29-year-old member enrolled in Deluxe Plan with yearly payment.
7. 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.
8. Please visit Bupa’s website (www.bupa.com.hk/hero) for the list of designated private hospitals in Hong Kong. This list is subject to change from time to time.
9. 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.
10. Optional benefits (Clinical, Maternity, Dental, Dental and Optical Benefit) are not part of the VHIS Certified Plan and only applicable in Asia, Australia and New Zealand1. The premiums paid are not eligible for claiming tax deduction and any family discount.
11. Only applicable to Deluxe Plan. Receive a free health assessment each year, starting from the second policy year, at one of our designated health screening centres in Hong Kong (for insured persons aged 18 or above). Or, choose your own provider and claim up to HK$4,000 for check-up services in Asia, Australia and New Zealand¹.
12. 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 HK$8,000 per insured person each year. These persons must be included in the list of “specified relatives” in Inland Revenue (Amendment)(No. 8) Ordinance 2018 (which may change from time to time). 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 www.bupa.com.hk/taxfaq.
13. 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. Bupa reserves the right to amend the premium, benefits, terms and conditions upon policy renewal.
14. Only available under Network Benefit of Advance Plan with optional Clinical Benefit.
15. 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.
16. Must be referred by the hotline counsellor and he number of face-to-face counselling services is limited to 4 times per Policy Year.
17. Full network cover of Clinical Benefit at designated clinics and service providers is only applicable to the Advance Plan.
18. Only applicable to Deluxe Plan with optional Clinical Benefit.
19. Only applicable to Deluxe Plan with optional Dental and Optical Benefits.
20. Optional Maternity Benefit is payable provided that conception occurs after this benefit takes effect and you have been continuously covered under this benefit for 9 months or more.
21. Waiting period and reimbursement percentage are shown below:
    First policy year: no coverage
    Second policy year: 25% reimbursement
    Third policy year: 50% reimbursement
    Fourth policy year onwards: full coverage
22. Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon – Fri, 9am to 7pm (Hong Kong time), except public holidays.
23. Insurance ratings are provided by 10Life (www.10Life.com/star-ratings/products) for reference only. Bupa does not provide any compensation (such as commissions or referral fees) to 10Life for ratings or related insurance sales activities. 10Life insurance ratings do not take into account your personal goals, financial situation and needs. This information is for general educational and reference purposes only and does not constitute any recommendation to purchase insurance products. Consumers are advised to should go through the suitability assessment with a Bupa Health Management Consultant before applying for insurance that will suit their needs.

Bupa Hero VHIS Plan – Welcome Promotion offer Terms and conditions

1. The promotion period is valid from 1 May 2020 to 31 May 2020 (both dates inclusive) (“Promotion Period”).
2. To enjoy ten percent (10%) discount (“Promotion Offer”) on the premium of the Bupa Hero VHIS Plan (Flexi Plan)
(“Eligible Scheme”), the insured person (“New Customer”) is required to meet all of the following eligibility criteria: o Successfully enrols in the Eligible Scheme through a Bupa Health Management Consultant during the Promotion Period;
o Must not cancel any individual medical insurance scheme underwritten by Bupa (Asia) Limited (“Bupa”) within 6 months prior to the date of submitting the application for an Eligible Scheme;
o Must not transfer from an existing individual medical insurance scheme underwritten by Bupa to the Eligible Scheme; and
o The Eligible Scheme must come into effect on 1 June 2020 with annual premium payment paid.
3. The Promotion Offer is applicable to all first year premiums paid under the Eligible Scheme.
4. The Promotion Offer shall apply after the family discount (if applicable) and cannot be used in conjunction with any other promotion offers. Any levy payable under the Eligible Scheme shall be calculated before applying the Promotion Offer.
5. The discounted amount and discount percentage applied to the Eligible Scheme under the Promotion Offer will not be shown on the Policy Schedule of the Eligible Scheme. The New Customer should refer to the copy of the application form enclosed in the welcome pack for the actual premium and levy paid.
6. The amount of premium discount received under the Promotion Offer is not eligible for tax deduction. Please refer to www.bupa.com.hk/taxfaq if you wish to calculate the qualifying premiums eligible for tax deduction in a tax year.
7. Bupa reserves the right of final decision for the New Customer’s entitlement to the Promotion Offer.
8. The Promotion Offer is not transferable, returnable or redeemable for cash.
9. Bupa reserves the right to cancel or terminate this Promotion Offer (in whole or in part) or amend these terms and conditions at any time without prior notice.
10. In case of any dispute, the decision of Bupa shall be final and conclusive on all matters related to the Promotion Offer.
11. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions, the English version shall prevail.