VHIS Hong Kong
WHAT TREATMENT COSTS

What a laminectomy costs in Hong Kong

10 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$121,031 at the cheapest to HK$274,359 at the dearest, a difference of HK$153,328 for the same operation.

What each hospital billed

HospitalStayDoctorHospitalTotal, medianTotal, 90th
Precious Blood Hospital (Caritas)1.7 daysHK$50,193HK$70,838HK$121,031HK$121,031
Union Hospital3.4 daysHK$85,030HK$47,170HK$132,200HK$224,800
St. Teresa's Hospital3.0 daysHK$88,000HK$54,963HK$142,963HK$193,636
Matilda International Hospital1.3 daysHK$93,250HK$75,454HK$168,704HK$236,893
Hong Kong Adventist Hospital, Stubbs Road2.9 daysHK$112,800HK$72,642HK$185,442HK$222,392
Canossa Hospital (Caritas)2.8 daysHK$89,000HK$103,142HK$192,142HK$213,412
St. Paul's Hospital3.0 daysHK$119,000HK$80,536HK$199,536HK$278,751
Hong Kong Baptist Hospital4.5 daysHK$122,500HK$80,921HK$203,421HK$368,150
CUHK Medical Centre3.8 daysHK$104,300HK$109,845HK$214,145HK$260,109
Hong Kong Sanatorium & Hospital3.4 daysHK$143,500HK$130,859HK$274,359HK$399,837

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$121,031HK$121,031HK$0
Union HospitalHK$132,200HK$132,200HK$0
St. Teresa's HospitalHK$142,963HK$142,963HK$0
Matilda International HospitalHK$168,704HK$168,704HK$0
Hong Kong Adventist Hospital, Stubbs RoadHK$185,442HK$185,442HK$0
Canossa Hospital (Caritas)HK$192,142HK$192,142HK$0
St. Paul's HospitalHK$199,536HK$199,536HK$0
Hong Kong Baptist HospitalHK$203,421HK$203,421HK$0
CUHK Medical CentreHK$214,145HK$214,145HK$0
Hong Kong Sanatorium & HospitalHK$274,359HK$274,359HK$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$121,031HK$0HK$121,031
Union HospitalHK$132,200HK$0HK$132,200
St. Teresa's HospitalHK$142,963HK$0HK$142,963
Matilda International HospitalHK$168,704HK$0HK$168,704
Hong Kong Adventist Hospital, Stubbs RoadHK$185,442HK$0HK$185,442
Canossa Hospital (Caritas)HK$192,142HK$0HK$192,142
St. Paul's HospitalHK$199,536HK$0HK$199,536
Hong Kong Baptist HospitalHK$203,421HK$0HK$203,421
CUHK Medical CentreHK$214,145HK$0HK$214,145
Hong Kong Sanatorium & HospitalHK$274,359HK$24,359HK$250,000

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$121,031HK$72,693HK$48,338
Union HospitalHK$132,200HK$91,900HK$40,300
St. Teresa's HospitalHK$142,963HK$91,900HK$51,063
Matilda International HospitalHK$168,704HK$73,300HK$95,404
Hong Kong Adventist Hospital, Stubbs RoadHK$185,442HK$91,900HK$93,542
Canossa Hospital (Caritas)HK$192,142HK$91,900HK$100,242
St. Paul's HospitalHK$199,536HK$91,900HK$107,636
Hong Kong Baptist HospitalHK$203,421HK$101,200HK$102,221
CUHK Medical CentreHK$214,145HK$101,200HK$112,945
Hong Kong Sanatorium & HospitalHK$274,359HK$91,900HK$182,459

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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