MSIG VHIS Prestige Care is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00023-02-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,800 |
| 45 | HK$16,686 |
| 60 | HK$23,652 |
| 75 | HK$47,250 |
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$750,000 |
| Lifetime limit | None |
| Room and board | HK$2,800 |
| Hospital charges | Paid in full |
| Doctor's visits | HK$2,800 |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$150,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$40,000 |
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 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment made; after cooling-off, cancellation with 30 days notice if no benefit payment made, but no refund specified. p.4 |
| Switching from another plan | Switching to another plan with upgrade of benefits may lead to re-underwriting for the upgraded benefits; switching to a plan with downgrade of benefits does not lead to re-underwriting. p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | For Optional Supplementary Major Medical Benefit, 50% adjustment factor if Private Room is used when entitled to General Ward/Semi-private Room p.32 |
| Geographical cover | worldwide (with exceptions for psychiatric treatment, increased international cover, and supplementary major medical benefit) p.15 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered worldwide as part of general territorial scope; increased limits for emergency treatment outside Place(s) of Residence (not exceeding 90 days per trip) under Supplement 4 and 5 if applicable. p.15 |
| Full cover on core benefits | partial p.34 |
| Annual limit | 750000 p.34 |
| Lifetime limit | none p.15 |
| Deductible options | none |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests and Outpatient kidney dialysis p.34 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $1,000 per visit, maximum $5,000 per Policy Year p.34 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure (within 90 days), up to $1,000 per visit, maximum $5,000 per Policy Year p.34 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.34 |
| Diagnostic imaging coinsurance | 20% p.34 |
| Non-surgical cancer treatment | 150000 p.34 |
| Kidney dialysis | 150000 per Policy Year, subject to 20% Coinsurance p.34 |
| Day case procedures | Covered as in-patient for eligible expenses; $1,000 cash allowance per Day Case Procedure for specific procedures p.34 |
| Home nursing | Full Cover, maximum 180 days per Policy Year p.34 |
| Hospice care | none (excluded from Hospital definition) p.23 |
| Chinese medicine | Chinese herbalist consultation and acupuncture covered under Operation and cancer recovery benefit: $800 per visit, up to 5 visits per Policy Year p.34 |
| Physiotherapy | Covered during Confinement and as post-discharge outpatient care (up to 3 visits within 90 days, $1,000 per visit, max $5,000 per Policy Year) p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.21 |
| Pregnancy complications | none (excluded) 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.34 |
| Companion bed | Full Cover for one Family Member's companion bed p.34 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Expenses for treatments not Medically Necessary; Purchase of durable medical equipment or appliances; Traditional Chinese medicine (except Supplement 6) and other alternative treatments like hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy. 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$16,686 to HK$16,686.
| 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.