Chow Tai Fook ''BetterCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00021-05-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,510 |
| 45 | HK$2,377 |
| 60 | HK$3,449 |
| 75 | HK$5,943 |
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$77,420 |
| Lifetime limit | None |
| Room and board | HK$235 |
| Hospital charges | HK$2,065 |
| Doctor's visits | HK$210 |
| Specialist fees | HK$710 |
| Intensive care | HK$710 |
| Surgeon's fee | HK$8,130 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$3,230 |
| Non-surgical cancer treatment | HK$15,485 |
| Outpatient before and after | HK$775 |
| Psychiatric treatment | HK$7,100 |
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 benefits may involve re-underwriting; switching to a plan with downgraded benefits does not involve re-underwriting but is subject to company discretion. p.15 |
| Room class | Semi-Private Room p.41 |
| If a higher room is used | Coinsurance applies: Ward to Semi-Private Room 50%; Ward to Standard Private Room or above 75%; Semi-Private Room to Standard Private Room 50%; Semi-Private Room to Above Standard Private Room 75%; Standard Private Room to Above Standard Private Room 50% 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 | 77420 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, up to 95 USD per visit, 775 USD per policy year p.41 |
| Post-discharge outpatient | 5 visits within 90 days after discharge/day case procedure, up to 95 USD per visit, 775 USD per policy year p.41 |
| General outpatient | none |
| Psychiatric treatment | 7100 USD per Policy Year p.41 |
| Diagnostic imaging coinsurance | 30% p.41 |
| Non-surgical cancer treatment | 15485 USD per Policy Year p.41 |
| Kidney dialysis | not stated |
| Day case procedures | covered as in-patient for relevant benefits, subject to individual benefit limits p.19 |
| Home nursing | 95 USD per visit, 1 visit per day within 90 days after discharge/day case procedure, 30 visits per policy year p.41 |
| Hospice care | none (excluded from Hospital definition) p.28 |
| Chinese medicine | none (excluded) p.26 |
| Physiotherapy | covered during confinement and for 5 post-discharge outpatient visits (within 90 days) up to 95 USD per visit, 775 USD per policy year p.20 |
| Congenital conditions | covered from age 8 p.26 |
| Pregnancy complications | none (excluded) p.26 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from accident p.26 |
| Hospital cash | none |
| Companion bed | 50 USD 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% after 1st claim, then 0%; resumes 16% after 3 consecutive no-claim years p.36 |
| Exclusions beyond the VHIS standard list | Venereal/sexually transmitted diseases; Hair Mineral Analysis (HMA); Purchase of durable medical equipment; Other alternative treatments (e.g. hypnotism, qigong) 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$1,595 to HK$2,377.
| Year | Change |
|---|---|
| 2022 | +9.9% |
| 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 (USD) | Semi-private | None | USD 77,420 per Policy Year |
| Benefit Level 2 with SMM (USD) | Semi-private | None | USD 77,420 per Policy Year |
| Benefit Level 2 with SMM (USD) | Semi-private | None | USD 77,420 per Policy Year |
| Benefit Level 2 with SMM (USD) | Semi-private | None | USD 77,420 per Policy Year |
| Benefit Level 2 with SMM (USD) | Semi-private | None | USD 77,420 per Policy Year |
| Benefit Level 2 with SMM (USD) | Semi-private | None | USD 77,420 per Policy Year |
| Benefit Level 2 with SMM (USD) | Semi-private | None | USD 77,420 per Policy Year |
| Benefit Level 2 with SMM (USD) | Semi-private | None | USD 77,420 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.