MSIG VHIS Prestige Care is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00023-01-001-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,018 |
| 45 | HK$14,256 |
| 60 | HK$20,304 |
| 75 | HK$41,202 |
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.10 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.18 |
| Waiting period | none p.18 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject) p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | 50% adjustment factor for Supplementary Major Medical Benefit if using 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, with increased annual limit for emergency treatment outside Place(s) of Residence (not exceeding 90 days per trip) p.15 |
| Full cover on core benefits | partial p.34 |
| Annual limit | 500000 p.34 |
| Lifetime limit | none p.15 |
| Deductible options | none |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests, 20% for Operation and cancer recovery benefit, 20% for Supplementary major medical benefit p.34 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $800 per visit, $4,000 per Policy Year p.17 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days after discharge, up to $800 per visit, $4,000 per Policy Year p.17 |
| 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 $100,000 per Policy Year for regular haemodialysis or peritoneal dialysis p.18 |
| Day case procedures | Covered as in-patient, plus $1,000 cash allowance for specific procedures p.15 |
| Home nursing | Full Cover for private nursing at home following discharge, up to 180 days per Policy Year p.18 |
| Hospice care | none p.23 |
| Chinese medicine | Chinese herbalist consultation and acupuncture covered under Operation and cancer recovery benefit, up to 5 visits per Policy Year, subject to 20% coinsurance p.21 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges (Full Cover); covered as part of pre- and post-Confinement outpatient care (capped); not covered if solely for Confinement p.16 |
| Congenital conditions | Covered if manifested or diagnosed after 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 | $1,000 per Day Case Procedure; $1,000 per claim for second claim cash allowance p.29 |
| Companion bed | Full Cover for one companion bed for a Family Member during Confinement p.28 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine (except as per Supplement 6) and other alternative treatments (e.g., hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeopathy) p.20 |
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$14,256 to HK$14,256.
| 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.