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

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. 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.