Blue Cross CareForYou Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00014-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,620 |
| 45 | HK$12,531 |
| 60 | HK$25,072 |
| 75 | HK$46,388 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$680,000 |
| Lifetime limit | None |
| Room and board | HK$1,500 |
| Hospital charges | HK$22,500 |
| Doctor's visits | HK$1,500 |
| Specialist fees | HK$6,800 |
| Intensive care | HK$5,600 |
| Surgeon's fee | HK$80,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$4,800 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, a companion bed, hospital cash, rehabilitation, kidney dialysis.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.14 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid in policy year p.5 |
| Switching from another plan | Re-underwriting applies for upgrades; discretion to accept/reject for downgrades p.15 |
| Room class | not restricted p.19 |
| Geographical cover | worldwide p.19 |
| Psychiatric treatment area | Hong Kong only p.19 |
| Emergency treatment abroad | covered worldwide p.19 |
| Full cover on core benefits | no p.31 |
| Annual limit | HKD 680,000 (age 75 or below), HKD 420,000 (age 76 or above) p.32 |
| Lifetime limit | none p.32 |
| Deductible options | none |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit, HKD 900 per visit, up to HKD 4,800 per Policy Year p.31 |
| Post-discharge outpatient | 3 visits within 90 days, HKD 900 per visit, up to HKD 4,800 per Policy Year p.31 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.31 |
| Diagnostic imaging coinsurance | 30% p.31 |
| Non-surgical cancer treatment | HKD 80,000 per Policy Year (shared with kidney dialysis and stroke rehabilitation) p.31 |
| Kidney dialysis | HKD 80,000 per Policy Year (shared with cancer treatment and stroke rehabilitation) p.32 |
| Day case procedures | Covered as in-patient, HKD 800 cash allowance per procedure for specific surgeries p.32 |
| Home nursing | HKD 680 per day, maximum 90 days per Policy Year, for Insured Person age 56 or above at home within 180 days post-discharge p.32 |
| Hospice care | none p.28 |
| Chinese medicine | none p.25 |
| Physiotherapy | Covered during confinement and as part of post-discharge outpatient care p.21 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | none p.25 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.25 |
| Hospital cash | HKD 800 per day, maximum 10 days per Policy Year p.32 |
| Companion bed | HKD 680 per day, maximum 90 days per Policy Year, for Insured Person under age 19 p.32 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.24 |
At a constant age of 45, Blue Cross has filed 4 schedule changes on this plan since 2021, an average of +4.8% a year, taking the premium from HK$8,775 to HK$12,531.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +8.0% |
| 2024 | +13.0% |
| 2025 | +12.5% |
| 2026 | +4.0% |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.