Bupa Hero VHIS Plan

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

1. 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.
2. For eligible expenses covered 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 the Policy for details.
3. 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.
4. 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.
5. Extended Major Critical Illness Benefit of the Supplementary Critical Illness Benefit 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.
6. 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.
7. 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.
8. Cashless service is not applicable to items (k) and (l) listed under 1) Basic Benefits and items (c) – (j) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. Your medical card is not applicable to the outpatient department of a local private hospital. For overseas hospitalisation, you can enjoy cashless service by calling Bupa to make the necessary arrangements. You need to follow the required procedures and obtain pre-authorisation from Bupa to enjoy cashless service.
9. Please visit Bupa’s website (www.bupa.com.hk/hero) for the list of designated private hospitals in Hong Kong. This list is subject to change from time to time.
10. Please log in to Bupa's customer service portal to view the latest list of Bupa Hero appointed service providers. This list is subject to change from time to time.
11. Optional benefits (Clinical, Maternity, Dental, Dental and Optical Benefit) are not part of the VHIS Certified Plan and only applicable in your chosen area of cover. The premiums paid are not eligible for claiming tax deduction and any family discount.
12. Only applicable to Deluxe plans. Receive a free health assessment each year, starting from the second policy year, at one of our designated health screening centres in Hong Kong (for insured persons aged 18 or above). Or, choose your own provider and claim up to HK$4,000 for Deluxe or HK$4,800 for Deluxe Pro for check-up services in your chosen area of cover.
13. 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
14. Bupa guarantees that your cover can be renewed every year for life as long as you meet the requirements as stated in the renewal provisions of your policy terms and conditions.
15. The 24-hour Mental Health Service Hotline is applicable to insured persons aged 18 or above. Insured persons aged below 18 must be accompanied by the Policy Holder or guardian to use this service.
16. Must be referred by the hotline counsellor and he number of face-to-face counselling services is limited to 4 times per Policy Year.
17. You must visit Bupa Hero appointed service providers under the Network Benefit, subject to the maximum number of visits per policy year and the overall annual limit. Please refer to the Benefit Schedule for details.
18. Only applicable to Deluxe plans with optional Clinical Benefit.
19. Only applicable to Deluxe plans with optional Dental and Optical Benefits.
20. Optional maternity benefit is payable provided that the conception occurs after the commencement date of this benefit and no benefit shall be payable during the waiting period of the first 9 months.
21. If your Body Mass Index is considered as overweight, underweight or you’re aged 65 or above at enrolment, Bupa may ask you to submit a check-up report as part of your health insurance application process.
22. Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon – Fri, 9am to 6pm (Hong Kong time), except public holidays.
23. Applicable to Bupa members with network clinical benefits and an eligible medical card. The delivery of medication is restricted to designated locations and is subject to payment of a delivery charge. The delivery charge is waived through 31 December 2022. Please click here www.bupa.com.hk/en/customer-care/video-consultation-services for more details.
24. Based on the benefits of the Gold plan, including major critical illness benefit of HK$1,500,000, additional cancer benefit of HK$1,500,000 and early stage critical illness benefit of HK$300,000. Please refer to the contract for terms, conditions and exclusions.
25. Supplementary Critical Illness Benefit covers 3 major critical illnesses and 5 early stage critical illnesses under the critical illness basic benefits. You can also add Extended Major Critical Illness Benefit to include a total of 85 covered critical illnesses.
26. Waiting periods apply between payment of benefit items. Additional Cancer Benefit is also subject to active cancer treatment requirements. Please refer to the contract.
27. Designated private hospitals for cashless service include Canossa Hospital (Caritas), Evangel Hospital, Gleneagles Hong Kong Hospital, Hong Kong Adventist Hospital - Stubbs Rd., Hong Kong Adventist Hospital - Tsuen Wan, Hong Kong Baptist Hospital, Hong Kong Sanatorium & Hospital, Matilda International Hospital, Precious Blood Hospital (Caritas), St. Paul's Hospital, St. Teresa's Hospital and Union Hospital. This list is subject to change from time to time.

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 21 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”)
   	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%
   	10%	40%	30%	80%
   HK$40,000 or HK$80,000	10%	40%	30%	80%
   HK$0 or HK$12,000	10%	25%	15%	50%

   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):
   i. 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;
   ii. 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;
   iii. 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.
   iv. 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;
   v. Transfer of scheme from the Eligible Scheme to any other Bupa policy; and
   vi. 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.