VHIS Hong Kong
WHAT TREATMENT COSTS

What a cystoscopy with or without biopsy costs in Hong Kong

11 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$23,116 at the cheapest to HK$62,569 at the dearest, a difference of HK$39,453 for the same operation.

What each hospital billed

HospitalStayDoctorHospitalTotal, medianTotal, 90th
Evangel Hospital1.2 daysHK$15,150HK$7,966HK$23,116HK$31,807
Canossa Hospital (Caritas)1.0 dayHK$9,174HK$15,925HK$25,099HK$59,201
St. Teresa's Hospital1.4 daysHK$12,500HK$13,633HK$26,133HK$37,177
Union Hospital1.6 daysHK$13,500HK$18,920HK$32,420HK$36,870
Hong Kong Baptist Hospital1.2 daysHK$14,050HK$19,730HK$33,780HK$59,922
CUHK Medical Centre1.1 daysHK$12,058HK$22,442HK$34,500HK$51,285
Gleneagles Hospital Hong Kong1.0 dayHK$15,600HK$22,184HK$37,784HK$53,433
Precious Blood Hospital (Caritas)2.6 daysHK$17,950HK$27,059HK$45,009HK$87,686
Hong Kong Sanatorium & Hospital1.0 dayHK$29,900HK$21,358HK$51,258HK$51,258
Hong Kong Adventist Hospital, Stubbs Road2.9 daysHK$22,750HK$36,391HK$59,141HK$112,542
St. Paul's Hospital2.0 daysHK$24,400HK$38,169HK$62,569HK$86,144

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
Evangel HospitalHK$23,116HK$23,116HK$0
Canossa Hospital (Caritas)HK$25,099HK$25,099HK$0
St. Teresa's HospitalHK$26,133HK$26,133HK$0
Union HospitalHK$32,420HK$32,420HK$0
Hong Kong Baptist HospitalHK$33,780HK$33,780HK$0
CUHK Medical CentreHK$34,500HK$34,500HK$0
Gleneagles Hospital Hong KongHK$37,784HK$37,784HK$0
Precious Blood Hospital (Caritas)HK$45,009HK$45,009HK$0
Hong Kong Sanatorium & HospitalHK$51,258HK$51,258HK$0
Hong Kong Adventist Hospital, Stubbs RoadHK$59,141HK$59,141HK$0
St. Paul's HospitalHK$62,569HK$62,569HK$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
Evangel HospitalHK$23,116HK$0HK$23,116
Canossa Hospital (Caritas)HK$25,099HK$0HK$25,099
St. Teresa's HospitalHK$26,133HK$0HK$26,133
Union HospitalHK$32,420HK$0HK$32,420
Hong Kong Baptist HospitalHK$33,780HK$0HK$33,780
CUHK Medical CentreHK$34,500HK$0HK$34,500
Gleneagles Hospital Hong KongHK$37,784HK$0HK$37,784
Precious Blood Hospital (Caritas)HK$45,009HK$0HK$45,009
Hong Kong Sanatorium & HospitalHK$51,258HK$0HK$51,258
Hong Kong Adventist Hospital, Stubbs RoadHK$59,141HK$0HK$59,141
St. Paul's HospitalHK$62,569HK$0HK$62,569

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

HospitalBillPlan paysYou pay
Evangel HospitalHK$23,116HK$23,116HK$0
Canossa Hospital (Caritas)HK$25,099HK$25,099HK$0
St. Teresa's HospitalHK$26,133HK$26,133HK$0
Union HospitalHK$32,420HK$32,420HK$0
Hong Kong Baptist HospitalHK$33,780HK$32,300HK$1,480
CUHK Medical CentreHK$34,500HK$30,308HK$4,192
Gleneagles Hospital Hong KongHK$37,784HK$33,850HK$3,934
Precious Blood Hospital (Caritas)HK$45,009HK$44,700HK$309
Hong Kong Sanatorium & HospitalHK$51,258HK$48,150HK$3,108
Hong Kong Adventist Hospital, Stubbs RoadHK$59,141HK$49,500HK$9,641
St. Paul's HospitalHK$62,569HK$46,900HK$15,669

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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