A deductible is the amount you’ll pay towards eligible expenses under the certified plan (except for the Medical Check-up Benefit) before Bupa starts paying your medical expenses. You can offset the selected deductible with reimbursement from your group medical plan or existing health insurance, if any, or simply pay the expenses yourself. This VHIS flexi plan offers four deductible options to lower your premium with more affordable healthcare. You can also choose to lower or remove your deductible within 30 days before the renewal date without re-underwriting once only at any one of the following ages: 50, 55, 60, 65, 70, 75, 80 or 85. This provides more flexibility for budget planning after retirement.