Chow Tai Fook ''BetterCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00021-03-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$21,044 |
| 45 | HK$33,812 |
| 60 | HK$52,045 |
| 75 | HK$96,524 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$700,000 |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$24,000 |
| Doctor's visits | HK$3,800 |
| Specialist fees | HK$10,000 |
| Intensive care | HK$10,000 |
| Surgeon's fee | HK$84,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$150,000 |
| Outpatient before and after | HK$7,000 |
| Psychiatric treatment | HK$60,000 |
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. After cooling-off, no refund if benefits paid; otherwise, 30 days written notice required for cancellation. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, but re-underwriting may apply to the upgraded benefits. p.15 |
| Room class | Standard Private Room p.41 |
| If a higher room is used | If a higher room class than Standard Private Room is used, 50% coinsurance applies to the major medical benefit. 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 | 700000 p.42 |
| Lifetime limit | none p.42 |
| Deductible options | none |
| Coinsurance | 20% for Major Medical Benefit p.41 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, $800 per visit, up to $7,000 per Policy Year p.41 |
| Post-discharge outpatient | 5 visits per Confinement/Day Case Procedure within 90 days, $800 per visit, up to $7,000 per Policy Year p.41 |
| General outpatient | none |
| Psychiatric treatment | 60000 p.41 |
| Diagnostic imaging coinsurance | 30% p.41 |
| Non-surgical cancer treatment | 150000 p.41 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as in-patient under various benefits, subject to respective limits p.20 |
| Home nursing | $1,000 per visit, 1 visit per day within 90 days after discharge, 30 visits per Policy Year p.41 |
| Hospice care | none p.28 |
| Chinese medicine | none p.26 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges and for 5 post-discharge outpatient visits within 90 days, up to $800 per visit, $7,000 per Policy Year p.20 |
| Congenital conditions | Covered from 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 | $500 per day, maximum 30 days per Policy Year p.41 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% discount, reduced to 8% if claim made, then 0%. Resumes 16% after 3 consecutive no-claim years. p.36 |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease; Hair Mineral Analysis (HMA); Birth control/reversal, sterilisation, sex reassignment, sexual dysfunction; Traditional Chinese medicine treatment and other alternative treatments. 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$22,682 to HK$33,812.
| 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 3 with SMM (HKD) | Private | None | HKD 700,000 per Policy Year |
| Benefit Level 3 with SMM (HKD) | Private | None | HKD 700,000 per Policy Year |
| Benefit Level 3 with SMM (HKD) | Private | None | HKD 700,000 per Policy Year |
| Benefit Level 3 with SMM (HKD) | Private | None | HKD 700,000 per Policy Year |
| Benefit Level 3 with SMM (HKD) | Private | None | HKD 700,000 per Policy Year |
| Benefit Level 3 with SMM (HKD) | Private | None | HKD 700,000 per Policy Year |
| Benefit Level 3 with SMM (HKD) | Private | None | HKD 700,000 per Policy Year |
| Benefit Level 3 with SMM (HKD) | Private | None | HKD 700,000 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.