Bupa Hero VHIS Plan

  • 【Limited-time surprise offer】 Up to 30% first-year premium discount for single enrolment and 75% off for family enrolment.3
  • Annual benefit limit up to HK$30 million per year with maximum HK$8,000 in premiums eligible for tax deduction
  • Full cover2 for all eligible cancer surgery expenses and treatments (e.g. chemotherapy or targeted therapy) and other serious and common illnesses (e.g. stroke, kidney failure, cataract) surgery expenses, treatments received in Asia, Australia and New Zealand1
  • Supplementary Critical Illness Benefit covers up to 98% of critical illnesses4 , including cancer, heart attack and stroke. It provides coverage for your living expenses up to HK$3,300,000 to support your lifestyle and family budget.

Please call us at
2517 5542


  • Eligible expenses covered with affordable average monthly premiums from HK$96 per person for private room coverage4
  • No lifetime benefit limit and coverage will be automatically renewed each year
  • Full cover2 unlimited outpatient visits 30 days pre- and 90 days post-hospitalisation (e.g. physiotherapy, follow-up consultations)
  • 4 deductible options5 are available to further lower your premiums up to 65%6, allowing you to easily enjoy up to HK$30 million benefit limit per year
  • Cashless treatment7 with your Bupa medical card for hospitalisation and other medical services at designated service providers8,9 (e.g. hospitals and diagnostic centres), so you won’t need to submit any claims; other claims will be normally settled within 5-7 working days after receiving full documentation
  • By selecting from our many optional benefits10, you can tailor your policy to better protect your health and wellbeing
  • Medical check-up11 every policy year for better prevention
  • Eligible for tax deduction on up to HK$8,000 in premiums annually12
  • Eligible to enrol up to age 80 years old and guaranteed lifelong renewal13


Bupa Hero rated as a 5-star medical insurance!

Bupa Hero VHIS Plan (Advance) has received 10 out of 10 marks from 10Life.
The Deluxe Plan is also ranked as the No. 1 high-end VHIS product (private room).


This rating is provided by 10Life23


  • First Mental Health Clinical Network in Hong Kong14
  • 24-hour Mental Health Service Hotline15 operated by qualified and experienced counsellors and clinical psychologists offering free emotional support
  • Face-to-face counselling services16 in strict confidence can also be arranged if needed
  • Certified Plan provides full cover2 on inpatient psychiatric treatments across Asia, Australia and New Zealand1
  • Optional Clinical benefits9 include outpatient psychiatric-related treatments and psychological counselling for treatments on psychiatric and psychological conditions (e.g., depression, anxiety disorder, panic disorder, early psychosis, senile dementia and Parkinson’s disease)



  • Optional Clinical Benefit9 offers full cover17 on eligible expenses such as GPs, specialists, physiotherapists, Chinese herbalists, Chinese bonesetters and psychiatric-related treatments etc.
  • 【Newly Launched】Video consultation services allow eligible members to consult selected general practitioners comfortably and safely at home, with door-to-door medication, referral letter and sick leave certificate delivery. Medication delivery charge will also be waived during the special protection period. 24
  • Extra vaccination18 (e.g. hepatitis B, measles, influenza) benefits
  • Optional Dental Benefit covers scaling & polishing, fillings & extractions, periodontal surgery etc and Optical Benefit19 covers fees for consultations, eye checks and optical correction device
  • Optional Maternity Benefit 20 covers obstetrician's fees, hospitalisation charges, prenatal and postnatal check-up costs and nursery care for a newborn baby during hospital confinement



    • Provides worldwide coverage for up to 98% of all serious critical illnesses4, including 80 major critical illnesses (such as cancer, heart attack, stroke) and 5 early stage critical illnesses (such as coronary artery disease requiring angioplasty26)
    •  This benefit offers triple protection for up to 3 separate conditions at different times throughout your life—Major Critical Illness Benefit, Early Stage Critical Illness Benefit and Additional Cancer Benefit27, with a lifetime benefit amount up to HK$3,300,000 in aggregate25.
    • Covers an additional cancer claim 27if you're diagnosed with cancer (including recurrence or distant metastasis) after the major critical illness has been paid.
    • In Bupa’s new Cancer Care Programme, our qualified nurses and health management professionals will provide personalised follow-up throughout your cancer journey, emotional support and a variety of health information such as cancer care and dietary tips.
    Limited-time surprise offerUp to 30% first-year premium discount for single enrolment and 75% off for family enrolment.3
    Got question? 2517 5542


    • Cover medical expenses for unknown pre-existing conditions and congenital condition(s) with symptoms appearing or diagnosed after age 8, subject to a waiting period 21
    • Cover hospital expenses (e.g. specialist's, surgeon's, anaesthetist's fees)
    • Cover surgeries performed in a clinic or day-case unit of a hospital (e.g. wound sutures, plaster casts and endoscopies)
    • Cover prescribed non-surgical cancer treatments (e.g. radiotherapy, chemotherapy, targeted therapy, immunotherapy)
    • Cover prescribed diagnostic imaging tests (e.g. MRI and CT scans)
    • No medical examination required for enrolment
    • 21-day cooling-off period
    • Regardless of your claims history, no extra individual charges will be applied
    • Our customer helpdesk and WhatsApp Chatbot provides 24-hour live support to answer queries related to your Policy



    • A team of qualified nurses and health management professionals provide 24-hour live guidance on your health-related queries, with the support of doctors22
    • Second medical opinion from a panel of medical specialists can be arranged if you're suffering from a serious illness
    • Other services include doctor referrals, Chronic Conditions Programme, a Care Manager to follow up on your claims and support you throughout your treatment and recovery
    • Non-emergency global healthcare support18 can help you find a doctor or make an appointment with your preferred healthcare service providers


    Why choose Hong Kong’s medical insurance expert?

    Global healthcare specialist

    • Bupa began in the UK in 1947. We are a leading international healthcare organisation with over 70 years of experience.
    • Apart from providing health insurance, we run clinics, hospitals, dental centres care homes, and more in many countries like the UK, Australia and Spain. Our focus in healthcare funding and services explains why we have the expertise and resources to provide you with smart and suitable solutions in healthcare.


    Trusted brand

    • Health insurance provider to Hong Kong’s 19,000 civil servants for more than 20 years running.
    • We’ve gained the trust of more than 400,000 individuals, 3,200 companies.
    • Almost half of our customers have been Bupa members for 3 years and more.

    Non-VHIS plan suggestions:


    Certified VHIS plan:


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    The health insurance schemes detailed on this webpage are underwritten by Bupa (Asia) Limited. Bupa (Asia) Limited is authorised and regulated by the Hong Kong Insurance Authority to carry out general insurance business in the HKSAR. All terms and benefits are subject to the Policy. Please refer to the Policy for details.

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    【Enrolment offer】Get discounts worth up to 80% of first-year premiums now!4

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