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

  • Comprehensive protection for you and your family
  • Bupa Hero enrolment offer: Save up to 80% of first-year premium in 3 years!
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    In today's economy, everything from your daily commute to grocery shopping is costing more, not to mention the increasing expenses of doctor’s visits. According to the WTW's Global Medical Trends Survey, global medical costs have risen from 7.4% in 2022 to 10.7% in 2023, with predictions suggesting that this upward trajectory will continue into 20241. A comprehensive medical insurance plan can help you to cope with unexpected medical expenses with ease if you unfortunately fall ill.
    Bupa Hero VHIS Plan
  • [Enrolment offer] Save up to 80% of first-year premium in 3 years2
  • Affordable premium, with daily premium as low as HK$4.53
  • [New] Various annual benefit limit options, range from HK$5 million to HK$40 million
  • [New] Provides progressive coverage4 which allow you to adjust your coverage for major life events like marriage and childbirth, without re-underwriting
  • [New] Bupa Pass allows you to enjoy diversified range of medical services at privileged rates5
  • Full cover for eligible medical expenses6
  • 4 deductible options are available7, you can offset the selected deductible with reimbursement from your group medical plan to lower your premium
  • Deductible for related treatments will be waived (if any) if you’re diagnosed with cancer8
  • Up to 15% lifetime family discount9
  • Bupa All Together
  • [Enrolment offer] Enjoy up to 35% off on the first-year premium for a family enrolment of 32
  • Up to HK$5 million Hospital and Surgical Benefit limit every year for the whole family to share
  • Full cover for eligible medical expenses10
  • One-year premium waiver if diagnosed specified serious illnesses11
  • One-year complimentary critical illness coverage for newborn baby12
  • Bupa Safe
  • [Enrolment offer] 20% off for single enrolment, 40% off for 2 or more enrolments2
  • Covers up to 98% of all serious critical illnesses13 including 85 conditions14 and triple protection with a lifetime benefit amount up to HK$3.3M in aggregate15
  • Protection against common major critical illnesses like cancer, heart attack & stroke, and 5 early-stage critical illnesses
  • Pure critical illness coverage, with monthly subscriptions as low as HK$10816 and easy online enrolment14!
  • Flexibility to add optional Cancer Treatment Reimbursement Benefit
  • Referral Rewards
  • Successfully refer your friend to enrol in any individual medical scheme, both of you can get a HK$300 supermarket e-voucher17
  • Certified VHIS plans
    bupa myflexi
    [MyFlexi VHIS] Flexible health coverage to meet your needs
    bupa mybasic
    [Bupa MyBasic VHIS] Basic protection for your health and wellbeing
    bupa info2
    VHIS vs General Traditional Medical Insurance
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    Compare different schemes
    NON-VHIS PLAN SUGGESTIONS
    Couple discuss together
    【Bupa Safe Critical Illness】 Value-for-money critical illness coverage with multiple protection
    Family with kid
    【Bupa All Together】A flexible combined annual benefit pool to safeguard the health of your entire family
    A man checking insurance plan by phone
    【Bupa CarePro】 Quality healthcare cover for the price-conscious
    Family with 2 kids
    【Bupa Care Kid】 Cover your children in a world of benefits
    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 10,000 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.
  • 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.

    Notes, Terms and conditions


    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
    The above summary is the plan overview, for details and the terms and conditions, please refer to Bupa’s website and your policy. 。

    Notes:


    1. Reference from WTW 2024 Global Medical Trends Survey: https://www.wtwco.com/en-gb/insights/2023/11/2024-global-medical-trends-survey.
    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 shown 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. The Bupa Pass is only applicable to insured persons who have not enrolled in the Clinical Benefits of the Bupa Hero VHIS Plan.
    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 / Core Pro plans: HK$0, HK$15,000, HK$50,000 and HK$80,000; and Advance / Advance Pro / Deluxe / 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. 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.
    11. 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.
    12. 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.
    13. The 85 critical illnesses covered under the critical illness basic benefits and optional Extended Major Critical Illness Benefit of this scheme include 98% of designated critical illnesses in 10Life’s Scoring Methodology of Term Critical Illness Insurance. Exclusions and waiting periods apply. Please refer to the contract for the terms and excluded conditions.
    14. This scheme covers 3 major critical illnesses and 5 early-stage critical illnesses under the critical illness basic benefits. You can also add Optional Benefit B Extended Major Critical Illness Benefit to introduce a total of 85 covered critical illnesses.
    15. Based on Plan A3, including HK$1,500,000 for Major Critical Illness Benefit, HK$1,500,000 for Additional Cancer Benefit and HK$300,000 for Early Critical Illness Benefit. Customers need to diagnosed with covered critical illnesses after the applicable waiting periods as specified in the contract to be eligible to claim these benefits. Please refer to the contract for details.
    16. Based on 18-year-old non-smoker enrolling in the critical illness basic benefit with lifetime benefit amount in aggregate of HK$3,300,000 with yearly payment. Actual subscription varies depending on the age of the insured person. The amount shown does not include any applicable discount, offer or subscription.
    17. To enjoy the referral rewards, the referee must successfully enrol in any Bupa individual insurance scheme with first year's net annual premium or subscription over HK$3,000 through a Bupa Health Management Consultant. Terms and conditions apply.
    Terms and conditions of the Enrolment Offer for Bupa Hero VHIS Plan
    Terms and conditions of the Enrolment Offer for Bupa All Together
    Terms and conditions of the Enrolment Offer for Bupa Safe
    Terms and conditions of the Bupa Member-get-Member Programme
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