China Life Healthy Life Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00024-01-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,188 |
| 45 | HK$6,585 |
| 60 | HK$10,049 |
| 75 | HK$18,987 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$800,000 |
| Lifetime limit | None |
| Room and board | HK$1,200 |
| Hospital charges | HK$16,000 |
| Doctor's visits | HK$1,000 |
| Specialist fees | HK$4,600 |
| Intensive care | HK$4,600 |
| Surgeon's fee | HK$55,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$25,000 |
| Non-surgical cancer treatment | HK$100,000 |
| Outpatient before and after | HK$5,000 |
| Psychiatric treatment | HK$800,000 |
Also includes outpatient general, home nursing, a companion bed, hospital cash, kidney dialysis, a death benefit.
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.13 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days of first Policy Year; full coverage from 31st day of first Policy Year onwards p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made p.4 |
| Switching from another plan | Switching to a plan with upgraded or additional benefits is subject to re-underwriting for those benefits. p.14 |
| Room class | Ward p.45 |
| If a higher room is used | If voluntarily confined in Semi-private Room, 50% adjustment factor; if in Standard Private Room or above, 25% adjustment factor. p.35 |
| Geographical cover | Worldwide, except for psychiatric treatment and cash benefit for Designated Surgeries in GBA. p.17 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered under worldwide territory p.17 |
| Full cover on core benefits | no p.45 |
| Annual limit | HKD 920,000 p.45 |
| Lifetime limit | none p.45 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary major medical benefit p.45 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 1,100 per visit, maximum HKD 5,000 per Policy Year p.45 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days, up to HKD 1,100 per visit, maximum HKD 5,000 per Policy Year p.45 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | HKD 100,000 per Policy Year p.45 |
| Kidney dialysis | HKD 50,000 per Policy Year, maximum 60 days per Policy Year p.45 |
| Day case procedures | Covered as per relevant benefit items, with specific limits p.18 |
| Home nursing | HKD 500 per visit, maximum 30 visits per Policy Year, 1 visit per day, within 90 days post-discharge p.45 |
| Hospice care | none p.28 |
| Chinese medicine | none p.25 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges; covered for follow-up outpatient visits post-Confinement/Day Case Procedure; excluded if solely for Confinement. p.19 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.25 |
| Pregnancy complications | none p.25 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.24 |
| Hospital cash | HKD 300 per day for second claim (max 10 days/HKD 3,000 per year); HKD 500 per Designated Surgery in GBA (max 2 times/year, 1 time/day) p.45 |
| Companion bed | Full Cover, maximum 180 days per Policy Year p.45 |
| No-claim discount | 15% of premium if no benefits paid in past 3+ consecutive Policy Years p.40 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.24 |
At a constant age of 45, China Life has filed 1 schedule change on this plan since 2021, an average of +1.8% a year, taking the premium from HK$5,776 to HK$6,585.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | +14.0% |
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.