MSIG VHIS Prestige Care is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00023-03-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,740 |
| 45 | HK$25,110 |
| 60 | HK$34,938 |
| 75 | HK$68,796 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$1,500,000 |
| Lifetime limit | None |
| Room and board | HK$3,900 |
| Hospital charges | Paid in full |
| Doctor's visits | HK$3,900 |
| 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$40,000 |
| Non-surgical cancer treatment | HK$300,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$50,000 |
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 payment made. After cooling-off, cancellation requires 30 days notice, no refund if benefit payment made. 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 | For Optional Supplementary Major Medical Benefit, if confined to a Private Room when entitled to General Ward / Semi-private Room, a 50% adjustment factor is applied. p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered for Emergency Treatment outside Place(s) of Residence (not exceeding 90 days per trip), annual limit increased to $6,000,000. p.31 |
| Full cover on core benefits | partial p.34 |
| Annual limit | 1500000 p.34 |
| Lifetime limit | none p.15 |
| Deductible options | none |
| Coinsurance | none p.34 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, $1,500 per visit, up to $7,500 per Policy Year p.34 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure, $1,500 per visit, up to $7,500 per Policy Year p.34 |
| General outpatient | none |
| Psychiatric treatment | 50000 p.34 |
| Diagnostic imaging coinsurance | 20% p.34 |
| Non-surgical cancer treatment | 300000 p.34 |
| Kidney dialysis | Covered up to $300,000 per Policy Year p.34 |
| Day case procedures | Covered as in-patient, plus $1,000 cash allowance per procedure p.15 |
| Home nursing | Full Cover for up to 180 days per Policy Year, in hospital or at home following discharge p.17 |
| Hospice care | none p.23 |
| Chinese medicine | Chinese herbalist consultation and acupuncture covered up to $1,000 per visit, 5 visits per Policy Year, as part of operation and cancer recovery benefit. p.20 |
| Physiotherapy | Covered during Confinement and as part of post-discharge outpatient care (up to $1,500 per visit, 3 visits within 90 days, up to $7,500 per Policy Year). 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 | Day surgery cash allowance of $1,000 per Day Case Procedure; Second claim cash allowance of $1,000 per claim if partially/fully reimbursed by other insurance. p.34 |
| Companion bed | Full Cover for one Family Member if Insured Person is Confined in a Hospital p.28 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment; Alternative treatments like hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy. 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$25,110 to HK$25,110.
| 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.