VHIS Hong Kong
WHAT TREATMENT COSTS

What a vaginal delivery costs in Hong Kong

9 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$54,286 at the cheapest to HK$97,230 at the dearest, a difference of HK$42,944 for the same operation.

What each hospital billed

HospitalStayDoctorHospitalTotal, medianTotal, 90th
Hong Kong Adventist Hospital, Stubbs Road3.5 daysHK$38,000HK$16,286HK$54,286HK$73,537
Union Hospital4.1 daysHK$32,000HK$29,750HK$61,750HK$74,140
Hong Kong Sanatorium & Hospital2.3 daysHK$46,000HK$30,422HK$76,422HK$76,422
St. Teresa's Hospital2.8 daysHK$47,540HK$31,269HK$78,809HK$87,020
St. Paul's Hospital2.0 daysHK$47,100HK$38,709HK$85,809HK$96,645
Hong Kong Baptist Hospital2.3 daysHK$51,200HK$38,251HK$89,451HK$112,852
Matilda International Hospital3.0 daysHK$54,270HK$35,648HK$89,918HK$114,440
Canossa Hospital (Caritas)2.7 daysHK$56,300HK$37,926HK$94,226HK$113,368
Gleneagles Hospital Hong Kong2.9 daysHK$57,600HK$39,630HK$97,230HK$115,653

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
Hong Kong Adventist Hospital, Stubbs RoadHK$54,286HK$54,286HK$0
Union HospitalHK$61,750HK$61,750HK$0
Hong Kong Sanatorium & HospitalHK$76,422HK$76,422HK$0
St. Teresa's HospitalHK$78,809HK$78,809HK$0
St. Paul's HospitalHK$85,809HK$85,809HK$0
Hong Kong Baptist HospitalHK$89,451HK$89,451HK$0
Matilda International HospitalHK$89,918HK$89,918HK$0
Canossa Hospital (Caritas)HK$94,226HK$94,226HK$0
Gleneagles Hospital Hong KongHK$97,230HK$97,230HK$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
Hong Kong Adventist Hospital, Stubbs RoadHK$54,286HK$0HK$54,286
Union HospitalHK$61,750HK$0HK$61,750
Hong Kong Sanatorium & HospitalHK$76,422HK$0HK$76,422
St. Teresa's HospitalHK$78,809HK$0HK$78,809
St. Paul's HospitalHK$85,809HK$0HK$85,809
Hong Kong Baptist HospitalHK$89,451HK$0HK$89,451
Matilda International HospitalHK$89,918HK$0HK$89,918
Canossa Hospital (Caritas)HK$94,226HK$0HK$94,226
Gleneagles Hospital Hong KongHK$97,230HK$0HK$97,230

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

HospitalBillPlan paysYou pay
Hong Kong Adventist Hospital, Stubbs RoadHK$54,286HK$54,286HK$0
Union HospitalHK$61,750HK$61,750HK$0
Hong Kong Sanatorium & HospitalHK$76,422HK$68,500HK$7,922
St. Teresa's HospitalHK$78,809HK$74,290HK$4,519
St. Paul's HospitalHK$85,809HK$69,600HK$16,209
Hong Kong Baptist HospitalHK$89,451HK$73,700HK$15,751
Matilda International HospitalHK$89,918HK$81,020HK$8,898
Canossa Hospital (Caritas)HK$94,226HK$83,050HK$11,176
Gleneagles Hospital Hong KongHK$97,230HK$84,350HK$12,880

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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