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Bupa (Asia) Limited VHIS plans compared

Compare 4 products sharing VHIS medical: currencies HKD, premium-payment options Renewable, issue-age span 0 years to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

How complete is this VHIS list and how do I check an intermediary?

The official list contains 33 standard and 70 flexi plan/provider entries (103 total), covering 579 certification/version/option records. These are different counting units. Currency lists are subsets of the total across currencies; the same plan may appear in both.

Inclusion is not evidence of availability for new applications. The lists include renewal-only and unavailable plans, and deregistered VHIS providers. Match the offering legal entity and full certification number to the policy version; check the product's sourced availability notes. The Liberty series landing record is an umbrella, excluded from these individual-plan counts.

Where can I find a neutral list of VHIS plans and verify a licensed broker?

Use the Health Bureau’s certified-plan lists and our source-backed VHIS comparison pages to browse plans in alphabetical order. Certification records are not recommendations or proof of current availability. Check the broker firm and the person advising you in the IA public register; residence eligibility, underwriting and the permitted signing process need separate confirmation. [V3, V6]

Browse VHIS comparisons and check the certification version, deductible, exclusions, territorial cover and renewal-only notes against the official list. [V3, V5] Our licence verification guide explains independent register and contact checks. This site provides information and referrals to a licensed Hong Kong broker; individual advice belongs with the licensed intermediary. Mainland visitors must sign in Hong Kong. [V6]

[V3][V5][V5][V6]

Insurers (33)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 4 / 4

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisMinimum premium & basisVHIS plan typePublished key exclusions (not exhaustive)
Bupa Hero VHIS PlanBupa (Asia) LimitedVHIS medical Source1HKD Source2Renewable / Premiums continue on annual renewal; annual or monthly payment options. Rates may change. Source3Source2Source4Renewable / One policy year at a time; lifelong renewal subject to policy terms. Source315 days to 80 years / Age basis: Actual age Source5Source2HKD 1,653 / Annual / schedule, age 15, Core, HKD 80,000 deductible; entry 0–59 table. Excludes levy/loading; April rate match unconfirmed. Source2Source4Flexi Plan Source1
  • Treatment, services, medication or tests that are not medically necessary are excluded.
  • Selected exclusions only; the linked policy or brochure contains the full list and exceptions.
Source6
Bupa MyBasic VHIS PlanBupa (Asia) LimitedVHIS medical Source7HKD Source8Renewable / Premiums continue on annual renewal; annual or monthly payment options. Rates may change. Source9Source8Source10Renewable / One policy year at a time; renewable to age 100, subject to policy terms. Source915 days to 80 years / Age basis: Actual age Source11Source8HKD 2,085 / Annual / Schedule effective , age 18, standard cover; entry age 0–59 table. Excludes levy and loading; April retail rate match unconfirmed. Source8Source10Standard Plan Source7
  • Treatment, services, medication or tests that are not medically necessary are excluded.
  • Selected exclusions only; the linked policy or brochure contains the full list and exceptions.
Source12
Bupa MyFlexi VHIS PlanBupa (Asia) LimitedVHIS medical Source13HKD Source14Renewable / Premiums continue on annual renewal; annual or monthly payment options. Rates may change. Source15Source14Source16Renewable / One policy year at a time; renewable to age 100, subject to policy terms. Source1515 days to 80 years / Age basis: Actual age Source17Source14HKD 3,596 / Annual / Schedule effective , age 18, Standard tier; entry age 0–59 table. Excludes levy and loading; April retail rate match unconfirmed. Source14Source16Flexi Plan Source13
  • Treatment, services, medication or tests that are not medically necessary are excluded.
  • Selected exclusions only; the linked policy or brochure contains the full list and exceptions.
Source18
Global Prestige VHIS PlanBupa (Asia) LimitedVHIS medical Source19HKD Source20Renewable / Premiums continue on annual renewal; annual or monthly payment options. Rates may change. Source21Source20Source22Renewable / One policy year at a time; lifelong renewal subject to policy terms. Source210 years to 80 years / Age basis: Actual age Source23Source20HKD 8,023 / Annual / schedule, ages 0–9, Signature, HKD 80,000 deductible; excludes levy/loading. Prime renewal only; April match unconfirmed. Source20Source22Flexi Plan Source19
  • Treatment, services, medication or tests that are not medically necessary are excluded.
  • Selected exclusions only; the linked policy or brochure contains the full list and exceptions.
Source24

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsBupa Hero VHIS PlanBupa MyBasic VHIS PlanBupa MyFlexi VHIS Plan
What it pays and when
  • Benefit term: Renewable / One policy year at a time; lifelong renewal subject to policy terms.
  • The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.
Public source · Checked Public source · Checked
  • Benefit term: Renewable / One policy year at a time; renewable to age 100, subject to policy terms.
  • The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.
Public source · Checked Public source · Checked
  • Benefit term: Renewable / One policy year at a time; renewable to age 100, subject to policy terms.
  • The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.
Public source · Checked Public source · Checked
Benefit limitsIn the checked HKD certified variant, the scheduled annual benefit limit is HKD25,000,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.Public source · Checked In the checked HKD certified variant, the scheduled annual benefit limit is HKD420,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.Public source · Checked The checked HKD variant’s schedule states no annual or lifetime aggregate benefit limit for its listed basic, enhanced and other benefits; individual benefit limits and policy conditions remain applicable.Public source · Checked
Guaranteed / non-guaranteedThe checked certified terms guarantee renewal during the insured’s lifetime, subject to the renewal and termination provisions; this does not guarantee unchanged premiums.Public source · Checked In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.Public source · Checked In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.Public source · Checked
Waiting periodsThe checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.Public source · Checked For unknown pre-existing conditions as defined in the checked terms, reimbursement is 0% in policy year 1, 25% in year 2, 50% in year 3 and full cover from year 4, subject to policy terms.Public source · Checked The checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Treatment, services, medication or tests that are not medically necessary are excluded.
  • Published key exclusions (not exhaustive): Selected exclusions only; the linked policy or brochure contains the full list and exceptions.
  • Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Treatment, services, medication or tests that are not medically necessary are excluded.
  • Published key exclusions (not exhaustive): Selected exclusions only; the linked policy or brochure contains the full list and exceptions.
  • Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Treatment, services, medication or tests that are not medically necessary are excluded.
  • Published key exclusions (not exhaustive): Selected exclusions only; the linked policy or brochure contains the full list and exceptions.
  • Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.
Public source · Checked Public source · Checked
Deductibles / room / renewalVHIS plan type: Flexi PlanPublic source · Checked VHIS plan type: Standard PlanPublic source · Checked VHIS plan type: Flexi PlanPublic source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesBupa Hero VHIS PlanBupa Hero VHIS PlanBupa MyBasic VHIS PlanBupa MyBasic VHIS PlanBupa MyFlexi VHIS PlanBupa MyFlexi VHIS PlanWhat it pays and whenWhat it pays and whenBenefit term: Renewable / One policy year at a time; lifelong renewal subject to policy terms. · The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.Benefit term: Renewable / …Benefit term: Renewable / One policy year at a time; renewable to age 100, subject to policy terms. · The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.Benefit term: Renewable / …Benefit term: Renewable / One policy year at a time; renewable to age 100, subject to policy terms. · The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.Benefit term: Renewable / …Benefit limitsBenefit limitsIn the checked HKD certified variant, the scheduled annual benefit limit is HKD25,000,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.In the checked HKD certifi…In the checked HKD certified variant, the scheduled annual benefit limit is HKD420,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.In the checked HKD certifi…The checked HKD variant’s schedule states no annual or lifetime aggregate benefit limit for its listed basic, enhanced and other benefits; individual benefit limits and policy conditions remain applicable.The checked HKD variant’s …Guaranteed / non-guaranteedGuaranteed / non-guarantee…The checked certified terms guarantee renewal during the insured’s lifetime, subject to the renewal and termination provisions; this does not guarantee unchanged premiums.The checked certified term…In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.In the checked variants, r…In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.In the checked variants, r…Waiting periodsWaiting periodsThe checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.The checked clause makes e…For unknown pre-existing conditions as defined in the checked terms, reimbursement is 0% in policy year 1, 25% in year 2, 50% in year 3 and full cover from year 4, subject to policy terms.For unknown pre-existing c…The checked clause makes eligible expenses from unknown pre-existing conditions payable under the plan terms when the policyholder and insured were not aware, and would not reasonably have been aware, of the condition at application. Other exclusions and benefit limits still apply.The checked clause makes e…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Treatment, services, medication or tests that are not medically necessary are excluded. · Published key exclusions (not exhaustive): Selected exclusions only; the linked policy or brochure contains the full list and exceptions. · Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.Published key exclusions (…Published key exclusions (not exhaustive): Treatment, services, medication or tests that are not medically necessary are excluded. · Published key exclusions (not exhaustive): Selected exclusions only; the linked policy or brochure contains the full list and exceptions. · Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.Published key exclusions (…Published key exclusions (not exhaustive): Treatment, services, medication or tests that are not medically necessary are excluded. · Published key exclusions (not exhaustive): Selected exclusions only; the linked policy or brochure contains the full list and exceptions. · Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…VHIS plan type: Flexi PlanVHIS plan type: Flexi PlanVHIS plan type: Standard PlanVHIS plan type: Standard P…VHIS plan type: Flexi PlanVHIS plan type: Flexi Plan
A–Z (4)

Products

Comparison groups

Comparison groups

Ask a licensed Hong Kong broker for a free comparison of suitable plans
Sources & verification dates

Sources & verification dates

Checked:

  1. Health Bureau certified-plans / F00040-20-000-02; plan date

    Source date:

  2. F00040-20-000-02 / Standard Premium Schedule; annual, attained age; effective

    Source date: / Page: 1

  3. F00040-20-000-02 / Part 4 Renewal; exact certified edition

    Source date: / Page: 15

  4. Premium notes; excludes levy; rates adjustable at renewal

    Source date: / Page: 2

  5. Eligibility / Issue age; linked retail brochure, overall edition date unconfirmed

    Source date: Not confirmed / Page: 32

  6. F00040-20-000-02 / Part 7 General Exclusions

    Source date: / Page: 25

  7. Health Bureau certified-plans / S00020-01-000-02; plan date

    Source date:

  8. S00020-01-000-02 / Standard Premium Schedule; annual, attained age; effective

    Source date: / Page: 1

  9. S00020-01-000-02 / Part 4 Renewal; exact certified edition

    Source date: / Page: 16

  10. Premium notes; excludes levy; rates adjustable at renewal

    Source date: / Page: 2

  11. Eligibility / Issue age; linked retail brochure, overall edition date unconfirmed

    Source date: Not confirmed / Page: 4

  12. S00020-01-000-02 / Part 7 General Exclusions

    Source date: / Page: 27

  13. Health Bureau certified-plans / F00029-01-000-06; plan date

    Source date:

  14. F00029-01-000-06 / Standard Premium Schedule; annual, attained age; effective

    Source date: / Page: 1

  15. F00029-01-000-06 / Part 4 Renewal; exact certified edition

    Source date: / Page: 15

  16. Premium notes; excludes levy; rates adjustable at renewal

    Source date: / Page: 2

  17. Eligibility / Issue age; linked retail brochure, overall edition date unconfirmed

    Source date: Not confirmed / Page: 6

  18. F00029-01-000-06 / Part 7 General Exclusions

    Source date: / Page: 25

  19. Health Bureau certified-plans / F00035-08-000-01; plan date

    Source date:

  20. F00035-08-000-01 / Standard Premium Schedule; annual, attained age; effective

    Source date: / Page: 1

  21. F00035-08-000-01 / Part 4 Renewal; exact certified edition

    Source date: / Page: 15

  22. Premium notes; excludes levy; rates adjustable at renewal

    Source date: / Page: 2

  23. Eligibility / Issue age; linked retail brochure, overall edition date unconfirmed

    Source date: Not confirmed / Page: 6

  24. F00035-08-000-01 / Part 7 General Exclusions

    Source date: / Page: 25

Information, not advice; we refer to a licensed Hong Kong broker.

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