Bupa Medical Insurance Promotion Day

Notes:

1. During the Promotion Period, new customers who successfully enrolled to Bupa Civil Servants, Bupa Hero VHIS Plan, Bupa All Together Plan or Bupa MyFlexi VHIS Plan ("Eligible Plans") can enjoy specific premium discounts or reduction, as well as supermarket e-voucher under Eligible Plans, subject to terms and conditions, please refer to the relevant terms and conditions for details.
   Enrolment offer terms and conditions of Bupa Hero VHIS Plan
   Enrolment offer terms and conditions of Bupa All Together
   Enrolment offer terms and conditions of Bupa MyFlexi
   Terms and conditions of complimentary supermarket e-voucher
2. We cover your pre-existing conditions except for Bupa Worldwide Assistance Programme and the illnesses listed in the General Exclusions. If you upgrade the benefit level upon renewal, your medical expenses of any illness or injury occurred before such upgrade are payable in accordance with the previous benefit level.
3. Based on a member aged 25 years who chooses 100% reimbursement of Hospital and Surgical Benefit at ward level.
4. As long as you and your dependants are eligible, we welcome your application. If your Body Mass Index is considered as overweight or underweight at enrolment, Bupa may ask you to submit a check-up report as part of your health insurance application process.
5. We won't raise your subscription based on how many claims you’ve made. Your subscription will be based on your age only, no matter how much you claim on conditions that arise after your membership starts.
6. Based on an 18-years-old member enrolling in the Bupa Hero VHIS Plan (Core) with yearly payment and a HK$80,000 deductible option. Actual premium varies depending on the age of the insured person. The amount show does not include any applicable discount, offer or premium loading.
7. Insured persons of Core and Core Pro Plan are entitled to the progressive coverage. You may upgrade your plan level or remove your deductible once at a specific important life event including marriage, childbirth, acquisition of individual residential property, job promotion or migration, without re-underwriting. Please refer to the Policy for details.
8. Bupa Pass is only applicable to insured persons who have not enrolled in the Clinical Benefits of the Bupa Hero VHIS Plan, who may use Bupa Pass at designated service provider(s) to enjoy specific services at privileged rates. Terms and conditions of Bupa Pass applied.
9. 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.
10. Deductible options include Core and Core Pro plans: HK$0, HK$15,000, HK$50,000 and HK$80,000; and Advance, Advance Pro, Deluxe and Deluxe Pro plans: HK$0, HK$12,000, HK$40,000 and HK$80,000. A deductible is the amount of eligible expenses that you must pay per policy 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.
11. First-dollar coverage – Deductible waived for Cancer are not applicable to Bupa Hero VHIS Plan (Core Pro, Advance, Advance Pro, Deluxe or Deluxe Pro) with zero dollar ($0) Deductible option shown in the Benefit Schedule and Bupa Hero VHIS Plan (Core) (regardless of its Deductible option).
12. 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. Family discount is not applicable to Bupa Hero VHIS Plan (Core and Core Pro).
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.
16. 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
17. On each child below age 18 if enrolling with both parents, 35% child discount will be offered. 25% child discount will be offered when the child enrols with one parent. Child discount will be applied to the premium of the MyFlexi basic benefits and enhanced benefits only, but not Push the Limit and other optional benefits. The discount will be valid as long as one or two parent(s) of the insured child is/are also covered under a Bupa MyFlexi VHIS plan.

Bupa Hero VHIS Plan Certification Number:

• Advance – HK$0 Deductible : F00040-01-000-04
• Advance – HK$12,000 Deductible: F00040-02-000-04
• Advance – HK$40,000 Deductible: F00040-03-000-04
• Advance – HK$80,000 Deductible: F00040-04-000-04
• Deluxe－HK$0 Deductible : F00040-05-000-04
• Deluxe－HK$12,000 Deductible : F00040-06-000-04
• Deluxe－HK$40,000 Deductible : F00040-07-000-04
• Deluxe －HK$80,000 Deductible : F00040-08-000-04
• Advance Pro－HK$0 Deductible : F00040-09-000-02
• Advance Pro－HK$12,000 Deductible : F00040-10-000-02
• Advance Pro－HK$40,000 Deductible : F00040-11-000-02
• Advance Pro－HK$80,000 Deductible : F00040-12-000-02
• Deluxe Pro－HK$0 Deductible : F00040-13-000-02
• Deluxe Pro－HK$12,000 Deductible : F00040-14-000-02
• Deluxe Pro－HK$40,000 Deductible : F00040-15-000-02
• Deluxe Pro－HK$80,000 Deductible : F00040-16-000-02
• Core－HK$0 Deductible : F00040-17-000-01
• Core－HK$12,000 Deductible : F00040-18-000-01
• Core－HK$50,000 Deductible : F00040-19-000-01
• Core－HK$80,000 Deductible : F00040-20-000-01
• Core Pro－HK$0 Deductible : F00040-21-000-01
• Core Pro－HK$12,000 Deductible : F00040-22-000-01
• Core Pro－HK$50,000 Deductible : F00040-23-000-01
• Core Pro－HK$80,000 Deductible : F00040-24-000-01