VHIS Hong Kong
WHAT TREATMENT COSTS

What a spine fusion costs in Hong Kong

8 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$232,252 at the cheapest to HK$571,065 at the dearest, a difference of HK$338,813 for the same operation.

What each hospital billed

HospitalStayDoctorHospitalTotal, medianTotal, 90th
St. Teresa's Hospital3.9 daysHK$136,000HK$96,252HK$232,252HK$358,944
Hong Kong Adventist Hospital, Stubbs Road7.4 daysHK$144,800HK$116,137HK$260,937HK$332,144
Canossa Hospital (Caritas)4.0 daysHK$160,080HK$160,604HK$320,684HK$453,516
Hong Kong Baptist Hospital5.3 daysHK$167,750HK$156,511HK$324,261HK$476,400
St. Paul's Hospital5.0 daysHK$166,500HK$162,624HK$329,124HK$434,959
CUHK Medical Centre3.0 daysHK$246,000HK$134,497HK$380,497HK$380,497
Hong Kong Sanatorium & Hospital5.4 daysHK$256,000HK$220,304HK$476,304HK$983,055
Matilda International Hospital4.2 daysHK$321,000HK$250,065HK$571,065HK$596,038

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
St. Teresa's HospitalHK$232,252HK$232,252HK$0
Hong Kong Adventist Hospital, Stubbs RoadHK$260,937HK$260,937HK$0
Canossa Hospital (Caritas)HK$320,684HK$320,684HK$0
Hong Kong Baptist HospitalHK$324,261HK$324,261HK$0
St. Paul's HospitalHK$329,124HK$329,124HK$0
CUHK Medical CentreHK$380,497HK$380,497HK$0
Hong Kong Sanatorium & HospitalHK$476,304HK$476,304HK$0
Matilda International HospitalHK$571,065HK$571,065HK$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
St. Teresa's HospitalHK$232,252HK$0HK$232,252
Hong Kong Adventist Hospital, Stubbs RoadHK$260,937HK$10,937HK$250,000
Canossa Hospital (Caritas)HK$320,684HK$70,684HK$250,000
Hong Kong Baptist HospitalHK$324,261HK$74,261HK$250,000
St. Paul's HospitalHK$329,124HK$79,124HK$250,000
CUHK Medical CentreHK$380,497HK$130,497HK$250,000
Hong Kong Sanatorium & HospitalHK$476,304HK$226,304HK$250,000
Matilda International HospitalHK$571,065HK$321,065HK$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
St. Teresa's HospitalHK$232,252HK$101,200HK$131,052
Hong Kong Adventist Hospital, Stubbs RoadHK$260,937HK$129,100HK$131,837
Canossa Hospital (Caritas)HK$320,684HK$101,200HK$219,484
Hong Kong Baptist HospitalHK$324,261HK$110,500HK$213,761
St. Paul's HospitalHK$329,124HK$110,500HK$218,624
CUHK Medical CentreHK$380,497HK$91,900HK$288,597
Hong Kong Sanatorium & HospitalHK$476,304HK$110,500HK$365,804
Matilda International HospitalHK$571,065HK$101,200HK$469,865

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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