MSIG VHIS Prestige Care is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00023-03-001-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$21,654 |
| 45 | HK$32,184 |
| 60 | HK$44,820 |
| 75 | HK$87,858 |
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.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; no refund after cooling-off period if benefits paid, otherwise 30 days written notice required p.4 |
| Switching from another plan | Possible to switch to another plan; re-underwriting for upgrades, discretion for downgrades p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | Not payable if room class is higher than Private Room for Supplementary Major Medical Benefit p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered, annual limit increased to HKD 6,000,000 per policy year for Emergency Treatment outside Place(s) of Residence (not exceeding 90 days per trip) p.31 |
| Full cover on core benefits | partial p.34 |
| Annual limit | HKD 6,000,000 p.34 |
| Lifetime limit | none p.15 |
| Deductible options | 1000 p.34 |
| How the deductible applies | per claim for Supplementary Major Medical Benefit p.34 |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests, Operation and cancer recovery benefit, and Supplementary Major Medical Benefit p.34 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 1,500 per visit and HKD 7,500 per Policy Year p.34 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days after discharge, up to HKD 1,500 per visit and HKD 7,500 per Policy Year p.34 |
| General outpatient | none |
| Psychiatric treatment | HKD 50,000 per Policy Year p.34 |
| Diagnostic imaging coinsurance | 20% p.34 |
| Non-surgical cancer treatment | HKD 300,000 per Policy Year p.34 |
| Kidney dialysis | HKD 300,000 per Policy Year p.34 |
| Day case procedures | Covered as Day Patient; HKD 1,000 cash allowance per Day Case Procedure p.34 |
| Home nursing | Full Cover, maximum 180 days per Policy Year p.34 |
| Hospice care | none p.23 |
| Chinese medicine | HKD 1,000 per visit, up to 5 visits per Policy Year for Chinese herbalist consultation and acupuncture, subject to 20% coinsurance p.34 |
| Physiotherapy | Covered during Confinement (full cover under miscellaneous charges); covered for 3 post-discharge outpatient visits within 90 days (up to HKD 1,500 per visit, HKD 7,500 per Policy Year) p.34 |
| 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 second claim per Confinement p.34 |
| Companion bed | Full Cover for one Family Member p.34 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$32,184 to HK$32,184.
| 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.