Chow Tai Fook ''BetterCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00021-04-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$906 |
| 45 | HK$1,425 |
| 60 | HK$2,176 |
| 75 | HK$3,458 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$64,520 |
| Lifetime limit | None |
| Room and board | HK$120 |
| Hospital charges | HK$1,810 |
| Doctor's visits | HK$105 |
| Specialist fees | HK$585 |
| Intensive care | HK$585 |
| Surgeon's fee | HK$6,455 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$2,585 |
| Non-surgical cancer treatment | HK$12,905 |
| Outpatient before and after | HK$650 |
| Psychiatric treatment | HK$6,455 |
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 if no benefits paid. After cooling-off, cancellation with 30 days notice if no benefits paid in policy year. p.5 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible, subject to re-underwriting for those benefits. p.15 |
| Room class | Ward p.41 |
| If a higher room is used | If entitled to Ward, 50% coinsurance for Semi-Private Room, 75% coinsurance for Standard Private Room or above (applies to Major Medical Benefit) p.37 |
| Geographical cover | worldwide p.19 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.19 |
| Full cover on core benefits | no p.41 |
| Annual limit | 64520 USD p.42 |
| Lifetime limit | none p.42 |
| Deductible options | none |
| Coinsurance | 20% (for Major Medical Benefit) p.41 |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure, 80 USD per visit, up to 650 USD per policy year p.41 |
| Post-discharge outpatient | 5 visits within 90 days after discharge/day case procedure, 80 USD per visit, up to 650 USD per policy year p.41 |
| General outpatient | none |
| Psychiatric treatment | 6455 USD per Policy Year p.41 |
| Diagnostic imaging coinsurance | 30% p.41 |
| Non-surgical cancer treatment | 12905 USD per Policy Year p.41 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as in-patient, subject to benefit limits p.19 |
| Home nursing | 55 USD per visit, 1 visit per day, up to 30 visits per policy year within 90 days after discharge/day case procedure p.42 |
| Hospice care | none |
| Chinese medicine | none p.26 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered for 5 follow-up outpatient visits post-discharge 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 | 30 USD per day, up to 30 days per policy year p.41 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% discount on premium, reduced to 8% then 0% if claims are made. Resumes 16% after 3 consecutive no-claim years. p.36 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments p.26 |
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$956 to HK$1,425.
| Year | Change |
|---|---|
| 2022 | +10.0% |
| 2023 | +10.0% |
| 2024 | +10.1% |
| 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 1 with SMM (USD) | Ward | None | USD 64,520 per Policy Year |
| Benefit Level 1 with SMM (USD) | Ward | None | USD 64,520 per Policy Year |
| Benefit Level 1 with SMM (USD) | Ward | None | USD 64,520 per Policy Year |
| Benefit Level 1 with SMM (USD) | Ward | None | USD 64,520 per Policy Year |
| Benefit Level 1 with SMM (USD) | Ward | None | USD 64,520 per Policy Year |
| Benefit Level 1 with SMM (USD) | Ward | None | USD 64,520 per Policy Year |
| Benefit Level 1 with SMM (USD) | Ward | None | USD 64,520 per Policy Year |
| Benefit Level 1 with SMM (USD) | Ward | None | USD 64,520 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.