Chow Tai Fook ''BetterCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00021-02-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,700 |
| 45 | HK$18,420 |
| 60 | HK$26,726 |
| 75 | HK$46,058 |
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$600,000 |
| Lifetime limit | None |
| Room and board | HK$1,800 |
| Hospital charges | HK$16,000 |
| Doctor's visits | HK$1,600 |
| Specialist fees | HK$5,500 |
| Intensive care | HK$5,500 |
| Surgeon's fee | HK$63,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$25,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$6,000 |
| Psychiatric treatment | HK$55,000 |
Also includes outpatient general, home nursing, a companion bed, rehabilitation, hospice care, a death benefit.
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.13 |
|---|---|
| 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; pro-rata refund for current policy year upon death of Insured Person or Company ceasing authorization p.5 |
| Switching from another plan | Switching to another plan is possible; re-underwriting limited to upgraded or additional benefits p.15 |
| Room class | Semi-Private Room p.41 |
| If a higher room is used | If a higher ward class is used, coinsurance applies: Semi-Private Room to Standard Private Room 50%, Semi-Private Room to Above Standard Private Room 75% p.37 |
| Geographical cover | worldwide p.18 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide p.18 |
| Full cover on core benefits | no p.41 |
| Annual limit | 600000 p.42 |
| Lifetime limit | none p.42 |
| Deductible options | none |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit prior to Confinement/Day Case Procedure, $700 per visit, up to $6,000 per Policy Year p.41 |
| Post-discharge outpatient | 5 visits within 90 days after discharge/Day Case Procedure, $700 per visit, up to $6,000 per Policy Year p.41 |
| General outpatient | none |
| Psychiatric treatment | 55000 p.41 |
| Diagnostic imaging coinsurance | 30% p.41 |
| Non-surgical cancer treatment | 120000 p.41 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as per in-patient benefits, subject to limits for each benefit item p.19 |
| Home nursing | $700 per visit, 1 visit per day within 90 days after discharge/Day Case Procedure, 30 visits per Policy Year p.41 |
| Hospice care | none p.28 |
| Chinese medicine | none p.26 |
| Physiotherapy | Covered during confinement and for post-discharge outpatient visits, subject to limits of those benefits p.20 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.26 |
| Pregnancy complications | none p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.25 |
| Hospital cash | none |
| Companion bed | $350 per day, maximum 30 days per Policy Year p.41 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated p.2 |
| No-claim discount | 16% discount, reduced to 8% after a claim, then 0%; resumes 16% after 3 consecutive no-claim years p.36 |
| Exclusions beyond the VHIS standard list | drug/alcohol dependence, STDs; Hair Mineral Analysis (HMA); purchase of durable medical equipment. p.25 |
At a constant age of 45, Chow Tai Fook has filed 4 schedule changes on this plan since 2021, an average of +5.4% a year, taking the premium from HK$12,356 to HK$18,420.
| Year | Change |
|---|---|
| 2022 | +10.0% |
| 2023 | +10.0% |
| 2024 | +10.0% |
| 2025 | +12.0% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
| Benefit Level 2 with SMM (HKD) | Semi-private | None | HKD 600,000 per Policy Year |
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.