MSIG VHIS Prestige Care is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00023-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,966 |
| 45 | HK$11,124 |
| 60 | HK$15,822 |
| 75 | HK$32,292 |
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$500,000 |
| Lifetime limit | None |
| Room and board | HK$2,000 |
| Hospital charges | Paid in full |
| Doctor's visits | HK$2,000 |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | HK$320,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$100,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$30,000 |
Also includes chinese medicine, a companion bed, 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.11 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.18 |
| 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 written notice if no benefit paid in policy year p.4 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, discretion to accept/reject) p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | For Optional Supplementary Major Medical Benefit, 50% adjustment factor if confined in Private Room when entitled to General Ward/Semi-private Room p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered worldwide p.15 |
| Full cover on core benefits | partial p.34 |
| Annual limit | 500000 p.34 |
| Lifetime limit | none p.34 |
| Deductible options | none p.34 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure p.34 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure p.34 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.34 |
| Diagnostic imaging coinsurance | 20% p.34 |
| Non-surgical cancer treatment | 100000 p.34 |
| Kidney dialysis | Covered up to HKD 100,000 per Policy Year p.34 |
| Day case procedures | Covered as in-patient for relevant benefits; Day surgery cash allowance of HKD 1,000 per procedure for specific procedures p.15 |
| Home nursing | Full Cover, maximum 180 days per Policy Year p.17 |
| Hospice care | none p.23 |
| Chinese medicine | Chinese herbalist consultation and acupuncture covered under operation and cancer recovery benefit, subject to 20% coinsurance, up to 5 visits per Policy Year p.20 |
| Physiotherapy | Covered during Confinement and for follow-up outpatient visits post-Confinement/Day Case Procedure p.16 |
| Congenital conditions | Covered from age 8 p.21 |
| Pregnancy complications | none p.20 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.20 |
| Hospital cash | HKD 1,000 per Day Case Procedure; HKD 1,000 per claim for second claim cash allowance p.35 |
| Companion bed | Full Cover for one family member p.28 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Other alternative treatments (e.g., hypnotism, qigong, massage therapy) p.19 |
At a constant age of 45, MSIG has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$11,124 to HK$11,124.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
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.