Make good use of your group medical insurance to enhance your medical coverage

Bupa Hero VHIS Plan Certification Number:

• Advance – HK$0 Deductible : F00040-01-000-03
• Advance – HK$12,000 Deductible: F00040-02-000-03
• Advance – HK$40,000 Deductible: F00040-03-000-03
• Advance – HK$80,000 Deductible: F00040-04-000-03
• Deluxe－HK$0 Deductible : F00040-05-000-03
• Deluxe－HK$12,000 Deductible : F00040-06-000-03
• Deluxe－HK$40,000 Deductible : F00040-07-000-03
• Deluxe －HK$80,000 Deductible : F00040-08-000-03
• Advance Pro－HK$0 Deductible : F00040-09-000-01
• Advance Pro－HK$12,000 Deductible : F00040-10-000-01
• Advance Pro－HK$40,000 Deductible : F00040-11-000-01
• Advance Pro－HK$80,000 Deductible : F00040-12-000-01
• Deluxe Pro－HK$0 Deductible : F00040-13-000-01
• Deluxe Pro－HK$12,000 Deductible : F00040-14-000-01
• Deluxe Pro－HK$40,000 Deductible : F00040-15-000-01
• Deluxe Pro－HK$80,000 Deductible : F00040-16-000-01

Notes:

1. Refer to clause 2.2.1(ii) of the Medical Claims Statistics 2019 report from HKFI (https://www.hkfi.org.hk/pdf/medical_2019.pdf) for details.
2. During the Promotion Period, new customers can enjoy premium discounts or reduction under eligible plans, subject to terms and conditions, please refer to the relevant terms and conditions for details.
3. 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.
4. For eligible expenses under the certified plan but incurred outside your chosen area of cover, benefits shall only be payable according to the VHIS Standard Plan Terms and Benefits. Please refer to your Policy for details.
5. 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.
6. 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.
7. Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the 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 Ordinance (Cap.112) (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
8. 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.
9. All pre-existing conditions which are payable under your Bupa group scheme shall be covered under this scheme's Hospital and Surgical Benefit, Optional Supplementary Major Medical Benefit and Clinical Benefit (if applicable) if you have been continuously insured under a Bupa group scheme and/or Bupa VTop for a total of at least 12 consecutive months, with the exception of those specified under the General Exclusions of the Bupa VTop contract. Coverage for pre-existing conditions isn’t available for non-Bupa group scheme members.
10. Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit without underwriting regardless of your health conditions. Application for Optional Clinical Benefit required underwriting.
11. This scheme will be effective on the 1st day of the month which immediately follows the last date of your group membership should it be the last day of a month. Otherwise, your cover will be effective on the 1st day of the same month when your group membership is terminated.
12. Your premium will be based on your age only, no matter how many claims you’ve made. Bupa guarantees that your cover can be renewed every year for life as long as you meet the requirements as stated in the Renewal Clause of your contract. Bupa reserves the right to amend the subscription, benefits, terms and conditions upon your contract renewal. Please refer to your contract for further details.
13. Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to covered eligible expense and subject to the Maximum Annual Benefit Pool limit, area of cover and restricted ward class set out in the Summary of Benefits. Please refer to the policy for details
14. Starting from the second policy year, one-year premium waiver is applicable to premiums paid for Hospital and Surgical Benefit and optional benefits (if any) if any insured person is diagnosed with cancer, heart attack or stroke. Premiums will be waived for every family member already covered under your policy. Please refer to the policy for detailed terms and conditions.
15. From the second policy year onwards, newborn baby of female insured person is eligible to first year premium waiver when enrolled in Bupa Safe Critical Illness Insurance Scheme Plan 13 with coverage of HK$1.1 million. Premiums will be waived when annual payment mode is selected. Please refer to the Bupa Safe Critical Illness Insurance Scheme Policy for detailed terms and conditions.

Bupa Hero VHIS Plan – Welcome discount for Bupa Hero VHIS Plan Terms and conditions

1. The promotion is offered by Bupa (Asia) Limited (“Bupa”) and valid from 1 January 2023 – 31 March 2023 (both dates inclusive) (“Promotion Period”).
2. The Promotion Offer is only available to any new member who enrols as an insured person (“New Customer”) under Bupa Hero VHIS Plan (Flexi Plan) (“Eligible Scheme”) and fulfils all eligibility criteria in clause 4 below (“Eligibility Criteria”).
3. Within the Promotion Period, a premium discount will be offered to New Customer(s) on the overall premium of the Eligible Scheme according to the policy year, deductible and application submission date below (“Promotion Offer”):

   Deductible option of the first policy year	Allocation of Premium Discount (based on first-year premium) (“Premium Discount”)				Application submission date
   	First policy year	Second policy year (Subject to no claim in 1st year)	Third policy year (Subject to no claim in 1st and 2nd year)	Total discount for the first 3 policy years
   HK$40,000 or HK$80,000	10%	50%	40%	100%	1 January 2023 to 20 January 2023
   	10%	40%	30%	80%	21 January 2023 to 31 March 2023
   HK$0 or HK$12,000	10%	25%	15%	50%	1 January 2023 to 31 March 2023

   
   The Promotion Offer is calculated according to the overall premium after family discount of the first policy year, inclusive of the standard premium of the Certified Plan, premiums for optional benefits, Bupa Supplementary Critical Illness Benefit (if applicable) and its premium loading. Certified Plan shall mean all the terms and benefits (including any Supplement(s)) that form an insurance plan certified by the Government to be compliant with the requirements of the VHIS.
4. To enjoy the Promotion Offer, a New Customer is required to meet all of the following eligibility criteria:
   • Application for the Eligible Scheme must be submitted through a Bupa Health Management Consultant during the Promotion Period;
   • The Eligible Scheme must come into effect on or before 1 April 2023 with premium paid on an annual basis for the first 3 policy years;
   • The eligible Premium Discount in the second policy year will be offered to New Customer provided that no claim under the Certified Plan is paid or payable during the first policy year. The eligible Premium Discount in the third policy year will be offered to New Customer provided that no claim under the Certified Plan is paid or payable during the first and second policy years.
   • New Customer must not cancel any individual medical insurance scheme underwritten by Bupa within 6 months prior to and after the date of submitting the application for the Eligible Scheme; and
   • The Promotion Offer is not applicable to New Customer who transfer his/her existing individual scheme underwritten by Bupa to the Eligible Scheme.
5. Other than the family discount offered to the Eligible Scheme (if applicable, subject to terms and conditions of the family discount of the Eligible Scheme), the Promotion Offer cannot be used in conjunction with any other promotion offers including Bupa’s staff discount within the first 3 policy years.
6. The Premium Discount amount applied to the Eligible Scheme under the Promotion Offer shall be the amount shown on the Promotion Offer confirmation letter (“Confirmation Letter”) which will be posted to the policy holder within 3 months after the welcome document is being sent out. The Premium Discount amount will not be shown on the Policy Schedule of the Eligible Scheme(s) for each policy year. New Customer should refer to the Premium Discount amount of each policy year on the Confirmation Letter.
7. The Promotion Offer will be withdrawn and any Premium Discount will be clawed back upon policy changes as specified below in the 2nd and/or 3rd policy year(s):
   • Removal of any optional benefits(s) enrolled
     Removal of any optional benefits(s) enrolled at the Policy Issuance Date will immediately render the New Customer ineligible for the Promotion Offer and Premium Discount
   • Increase deductible of the Eligible Scheme
     Increasing deductible in the 2nd or 3rd policy year will result reduction of policy benefits and premium. The New Customer be rendered ineligible for the Promotion Offer and Premium Discount. For avoidance of doubt, reducing deductible at any time during the first 3 policy years will not affect the Premium Discount applied according to the Promotion Offer;
   • Change of premium payment mode to monthly mode
     Any change in the payment mode from annual to monthly payment during the first 3 policy years will immediately render the New Customer ineligible for the Promotion Offer and Premium Discount.
   • Change of plan type of the Eligible Scheme
     Any of the following change to the plan type of the Eligible Scheme(s) in the 2nd or 3rd policy year will result reduction of policy benefits and premium, and the New Customer will immediately be rendered ineligible for the Promotion Offer and Premium Discount:
   • Change from Deluxe Pro to Deluxe, Advance Pro or Advance Plan;
   • Change from Deluxe to Advance Pro or Advance Plan; or
   • Change from Advance Pro to Advance Plan;
   • Transfer of scheme from the Eligible Scheme to any other Bupa policy; and
   • Paid or payable Claim occurs within first 2 policy years
     Any claim paid or payable under the Certified Plan during a policy year within the first 3 policy years will immediately render the New Customer ineligible for the Promotion Offer and Premium Discount for the next policy year.
     Once the Premium Offer is withdrawn and the Premium Discount is clawed back, the New Customer will no longer be eligible for the Promotion Offer and the Premium Discount for the remaining time of the first 3 policy years. In the event that any one of the above situations occurs after the Premium Discount is applied, the New Customer is liable to pay Bupa the Premium Discount amount within 21 days upon notification from Bupa.
8. If New Customer adds any family members after the Promotion Period, the new family member(s) can only enjoy the prevailing promotion and is not eligible for the Promotion Offer and the Premium Discount mentioned in clause 3 above.
9. 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.
10. Bupa reserves the right of final decision for any New Customer’s entitlement to the Promotion Offer.
11. The Promotion Offer is not transferable, returnable or redeemable for cash.
12. 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.
13. In case of any dispute, the decision of Bupa shall be final and conclusive on all matters related to the promotion.
14. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions, the English version shall prevail.