VHIS Hong Kong
WHAT TREATMENT COSTS

What a breast lump excision costs in Hong Kong

12 private hospitals published what they billed for this procedure over the reporting period 01 Jan 2025 - 31 Dec 2025. The middle bill runs from HK$41,832 at the cheapest to HK$100,626 at the dearest, a difference of HK$58,794 for the same operation.

What each hospital billed

HospitalStayDoctorHospitalTotal, medianTotal, 90th
Precious Blood Hospital (Caritas)1.3 daysHK$18,175HK$23,657HK$41,832HK$55,133
Evangel Hospital1.1 daysHK$38,533HK$16,739HK$55,272HK$75,257
Union Hospital2.1 daysHK$36,400HK$20,910HK$57,310HK$80,810
St. Teresa's Hospital1.3 daysHK$39,000HK$20,651HK$59,651HK$82,358
Matilda International Hospital1.4 daysHK$32,536HK$28,531HK$61,067HK$100,469
Canossa Hospital (Caritas)1.0 dayHK$35,800HK$26,852HK$62,652HK$168,516
Hong Kong Baptist Hospital1.6 daysHK$39,800HK$26,971HK$66,771HK$120,054
Hong Kong Adventist Hospital, Stubbs Road1.4 daysHK$43,000HK$27,732HK$70,732HK$118,673
CUHK Medical Centre1.3 daysHK$40,482HK$30,688HK$71,170HK$95,776
St. Paul's Hospital1.0 dayHK$55,500HK$21,246HK$76,746HK$87,219
Hong Kong Sanatorium & Hospital1.5 daysHK$68,385HK$28,308HK$96,693HK$155,193
Gleneagles Hospital Hong Kong1.5 daysHK$48,600HK$52,026HK$100,626HK$154,080

The doctor column is the doctor's fee, the hospital column is the hospital's charge, and they are billed separately. Nine in ten bills came in at or under the 90th percentile figure. Standard ward.

What a plan would pay of it

Three real certified plans, as examples, applied to the same published bills. The first two are the same plan bought with and without a deductible, which is the choice that decides most of what you pay. The third is a Standard Plan, which caps what it pays per item instead of covering the core benefits in full.

FWD vPrime Signature Medical Plan, no deductible, Semi-private room, HK$16,665 a year for a 45 year old woman, non-smoker

HospitalBillPlan paysYou pay
Precious Blood Hospital (Caritas)HK$41,832HK$41,832HK$0
Evangel HospitalHK$55,272HK$55,272HK$0
Union HospitalHK$57,310HK$57,310HK$0
St. Teresa's HospitalHK$59,651HK$59,651HK$0
Matilda International HospitalHK$61,067HK$61,067HK$0
Canossa Hospital (Caritas)HK$62,652HK$62,652HK$0
Hong Kong Baptist HospitalHK$66,771HK$66,771HK$0
Hong Kong Adventist Hospital, Stubbs RoadHK$70,732HK$70,732HK$0
CUHK Medical CentreHK$71,170HK$71,170HK$0
St. Paul's HospitalHK$76,746HK$76,746HK$0
Hong Kong Sanatorium & HospitalHK$96,693HK$96,693HK$0
Gleneagles Hospital Hong KongHK$100,626HK$100,626HK$0

FWD vPrime Signature Medical Plan, a HK$250,000 deductible, Semi-private room, HK$3,235 a year for a 45 year old woman, non-smoker

HospitalBillPlan paysYou pay
Precious Blood Hospital (Caritas)HK$41,832HK$0HK$41,832
Evangel HospitalHK$55,272HK$0HK$55,272
Union HospitalHK$57,310HK$0HK$57,310
St. Teresa's HospitalHK$59,651HK$0HK$59,651
Matilda International HospitalHK$61,067HK$0HK$61,067
Canossa Hospital (Caritas)HK$62,652HK$0HK$62,652
Hong Kong Baptist HospitalHK$66,771HK$0HK$66,771
Hong Kong Adventist Hospital, Stubbs RoadHK$70,732HK$0HK$70,732
CUHK Medical CentreHK$71,170HK$0HK$71,170
St. Paul's HospitalHK$76,746HK$0HK$76,746
Hong Kong Sanatorium & HospitalHK$96,693HK$0HK$96,693
Gleneagles Hospital Hong KongHK$100,626HK$0HK$100,626

ZA Life ZA VHIS, no deductible, Standard ward, HK$3,165 a year for a 45 year old woman, non-smoker

HospitalBillPlan paysYou pay
Precious Blood Hospital (Caritas)HK$41,832HK$36,425HK$5,407
Evangel HospitalHK$55,272HK$55,272HK$0
Union HospitalHK$57,310HK$57,310HK$0
St. Teresa's HospitalHK$59,651HK$57,250HK$2,401
Matilda International HospitalHK$61,067HK$50,786HK$10,281
Canossa Hospital (Caritas)HK$62,652HK$54,050HK$8,602
Hong Kong Baptist HospitalHK$66,771HK$62,300HK$4,471
Hong Kong Adventist Hospital, Stubbs RoadHK$70,732HK$61,250HK$9,482
CUHK Medical CentreHK$71,170HK$58,732HK$12,438
St. Paul's HospitalHK$76,746HK$73,300HK$3,446
Hong Kong Sanatorium & HospitalHK$96,693HK$82,600HK$14,093
Gleneagles Hospital Hong KongHK$100,626HK$71,100HK$29,526

This plan states anaesthetist, theatre in words rather than a figure, so those items are left out of what the plan pays. The real figure is therefore no lower than the one shown.

How this is worked out

The bill is what the hospital published: no averaging across hospitals and no estimate. What a plan pays applies that plan's own filed limits to the two halves of the bill, a surgeon's fee being capped per surgery and room and board per day, then takes off any deductible. It is arithmetic on filed figures, not a quotation. A real claim depends on the case, on what the insurer accepts as eligible, and on the room you actually occupy.

Bills from the Pilot Programme for Enhancing Price Transparency for Private Hospitals, run by the Office for Regulation of Private Healthcare Facilities. Plan limits from each plan's certified Benefit Schedule.

Find a plan that covers this

Premiums are annual, in the plan currency, before the Insurance Authority levy, taken from the Standard Premium Schedules filed with the Health Bureau. Rate records come from every schedule archived on data.gov.hk since March 2021 and are a track record, not a forecast. Information only, not regulated advice.

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