MSIG VHIS Prestige Care is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00023-02-001-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$13,932 |
| 45 | HK$21,384 |
| 60 | HK$30,294 |
| 75 | HK$60,318 |
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 paid; after cooling-off, cancellation by 30-day notice if no benefit paid; pro-rata refund upon death of insured or company ceasing authorization 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 (company discretion, no re-underwriting) p.12 |
| Room class | General Ward / Semi-private Room (for Supplementary Major Medical Benefit) p.34 |
| If a higher room is used | If confined to Private Room when entitled to General Ward / Semi-private Room, 50% adjustment factor applied to Supplementary Major Medical Benefit. 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 | HKD 750,000 (for basic/enhanced benefits), HKD 300,000 (for Supplementary Major Medical Benefit) p.34 |
| Lifetime limit | none p.34 |
| Deductible options | none |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests, 20% for Outpatient kidney dialysis, 20% for Supplementary Major Medical Benefit p.34 |
| Pre-admission outpatient | 1 visit or emergency consultation per confinement/day case procedure, up to HKD 1,000 per visit, up to HKD 5,000 per Policy Year p.34 |
| Post-discharge outpatient | 3 follow-up visits per confinement/day case procedure within 90 days, up to HKD 1,000 per visit, up to HKD 5,000 per Policy Year p.34 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.34 |
| Diagnostic imaging coinsurance | 20% p.34 |
| Non-surgical cancer treatment | HKD 150,000 per Policy Year p.34 |
| Kidney dialysis | HKD 150,000 per Policy Year, subject to 20% coinsurance p.34 |
| Day case procedures | Covered as in-patient, plus HKD 1,000 cash allowance per procedure p.15 |
| Home nursing | Full cover for private nursing at home following discharge from hospital, maximum 180 days per Policy Year p.17 |
| Hospice care | not stated |
| Chinese medicine | Covered under operation and cancer recovery benefit for Chinese herbalist consultation and acupuncture, HKD 800 per visit, up to 5 visits per Policy Year p.34 |
| Physiotherapy | Covered during confinement (full cover under miscellaneous charges) and as post-discharge outpatient care (HKD 1,000 per visit, up to HKD 5,000 per Policy Year) p.16 |
| Congenital conditions | Covered from age 8 p.20 |
| Pregnancy complications | none p.20 |
| Emergency dental | 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 second claim p.34 |
| Companion bed | Full cover for one family member if insured is confined in hospital p.28 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment/appliances; venereal and sexually transmitted diseases; specific alternative treatments (e.g. bone-setting, hypnotism, qigong) 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$21,384 to HK$21,384.
| 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.