Bupa Hong Kong | MyBasic VHIS Plan| Voluntary Health Insurance Scheme (VHIS)

Key features

Officially certified Standard Plan from the government with clear terms and conditions
Claim a tax deduction up to HK$8,000 in premium annually³
No ward class restriction (Covering private, semi-private and ward room level)
Unknown pre-existing conditions are covered, subject to a waiting period⁴
Eligible to enrol on or before 80 years old and guaranteed renewal up to 100 years old⁵
Cover for medical expenses as a result of congenital condition(s) with symptoms appearing or diagnosed after age 8 ⁴

What we cover

Covers necessary medical expenses up to HK$420,000 every year which will be restored in the next policy year
Covers hospital expenses (eg. Specialist's, Surgeon's, Anesthetist's fee)
Covers surgeries performed in a clinic or day-case unit of a hospital (eg. wound sutures, plaster casts and endoscopies)
Covers prescribed non-surgical cancer treatments (eg. radiotherapy, chemotherapy, targeted therapy, immunotherapy)
Covers prescribed diagnostic imaging tests (eg. MRI and CT scans)⁶
Covers psychiatric treatments²

【Limited Time Offer】Enjoy 20% off now^#!

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Other features

No medical examination required for enrolment
21-day cooling off period
No claims-based charges – Your premium will be based on your age only, no matter how many claims you have made
24/7 Customer Care helpdesk

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 19,000 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.

Non-VHIS plan suggestions:

Certified VHIS plan:

▶ Buy / Quote Bupa myBasic VHIS online now

▶ Compare different schemes: Click "Need Recommendations?"

▶ Still considering? See the top 10 reasons about "Why Choose Bupa"

The health insurance schemes detailed on this webpage are insured 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.

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【Limited Time Offer】Enjoy 20% off now^#!

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Notes, Terms and conditions

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VHIS Certification Number: S00020-01-000-02
The above information is a summary of the products and the promotional offer, please refer to Bupa's website for details.

Notes：

Subject to eligibility of the related expenses and the annual limit.
For psychiatric treatment, the territorial scope only covers Hong Kong.
Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the Food and 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 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 here
Unknown pre-existing conditions and congenital conditions with symptoms appearing or diagnosed after age 8 are covered subject to the waiting period and reimbursement percentage as follows:
First policy year: no coverage
Second policy year: 25% reimbursement
Third policy year: 50% reimbursement
Fourth policy year onwards: full coverage
Bupa guarantees that your cover can be renewed up to the age of 100 as long as you meet the requirements as stated in the renewal provisions of your policy terms and conditions.
Subject to 30% coinsurance. Coinsurance means the percentage of eligible expenses that must be paid by the policy holder.

^#Bupa MyBasic VHIS Plan – Terms and conditions for Welcome Promotion Offer:

The promotion period is valid from now to 30 September 2021 (both dates inclusive) (“Promotion Period”).
To enjoy 20% discount (“Promotion Offer”) on the Standard Premium of Bupa MyBasic VHIS Plan (Standard Plan), the insured person (“New Customer”) is required to meet all of the following eligibility criteria:
a. Successfully enrols in Bupa MyBasic VHIS Plan (“Eligible Scheme”) through a Bupa Health Management Consultant during the Promotion Period;
b. Must not cancel any individual medical insurance scheme underwritten by Bupa (Asia) Limited (“Bupa”) within 6 months prior to the date of submitting the application for an Eligible Scheme; and
c. Eligible Scheme must come into effect on 1 October 2021 with annual premium payment paid.
The Promotion Offer is applicable to the total subscription of the First-Year Standard Premium only and does not apply to any Premium Loading.
The Promotion Offer cannot be used in conjunction with other promotion offer.
Bupa reserve the right of final decision of the New Customer’s entitlement to the Promotion Offer.
The Promotion Offer is not transferable, returnable or redeemable for cash.
Bupa reserve 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.
In case of any dispute, the decision of Bupa shall be final and conclusive on all matters related to the Promotion Offer.
If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions, the English version shall prevail.

*From HK$150 a month: Actual insurance fees vary. The example premium is calculated based on the current premium rate of a member aged 18 enrolling in Bupa MyBasic VHIS Plan, with annual payment. The fee does not include the latest welcome offer.

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