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

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

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. 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.
4. 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.
5. 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.
6. 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.
7. 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.
8. 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).
9. 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).
10. If a Bupa group member enrols in the Bupa VTop Health Insurance Scheme from 1 August to 30 November 2024 which is not within the specified enrolment periods stipulated in the Contract, coverage of pre-existing conditions will start after Bupa Vtop policy has been effective for 12 months.
11. Hospital and Surgical Benefit and Optional Supplementary Major Medical Benefit without underwriting regardless of your health conditions. Application for Optional Clinical Benefit required underwriting.
12. 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.
13. 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.