China Life Healthy Life Premier Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00030-01-001-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,163 |
| 45 | HK$9,790 |
| 60 | HK$15,235 |
| 75 | HK$28,450 |
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$1,100,000 |
| Lifetime limit | None |
| Room and board | HK$2,500 |
| Hospital charges | HK$24,000 |
| Doctor's visits | HK$2,000 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$6,000 |
| Surgeon's fee | HK$86,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$150,000 |
| Outpatient before and after | HK$6,000 |
| Psychiatric treatment | HK$35,000 |
Also includes outpatient general, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, 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 | 30 days for unknown pre-existing conditions p.22 |
| Cancellation and refund | Full refund within 21-day cooling-off period p.4 |
| Room class | Semi-private Room p.45 |
| If a higher room is used | 50% adjustment factor applied to eligible expenses if a higher ward class is voluntarily occupied p.35 |
| Geographical cover | Worldwide, except for psychiatric treatment, organ donor benefit, and cash benefit for Designated Surgeries in Greater Bay Area p.18 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide p.18 |
| Full cover on core benefits | no p.45 |
| Annual limit | 1100000 p.46 |
| Lifetime limit | none p.46 |
| 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 HKD1,400 per visit, maximum HKD6,000 per Policy Year p.45 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days, up to HKD1,400 per visit, maximum HKD6,000 per Policy Year p.45 |
| General outpatient | none |
| Psychiatric treatment | HKD35,000 per Policy Year p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | HKD150,000 per Policy Year p.45 |
| Kidney dialysis | HKD80,000 per Policy Year, maximum 60 days per Policy Year p.46 |
| Day case procedures | Covered as in-patient, subject to general benefit limits p.19 |
| Home nursing | HKD800 per visit, maximum 30 visits per Policy Year, 1 visit per day, within 90 days after discharge from Hospital p.46 |
| Hospice care | none p.28 |
| Chinese medicine | none p.25 |
| Physiotherapy | Covered during confinement, as follow-up outpatient care, and under rehabilitative care up to HKD30,000 per Policy Year p.46 |
| Congenital conditions | Excluded if manifested or diagnosed before 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 | HKD300 per day for second claim (max 20 days/HKD6,000 per year); HKD1,000 per Designated Surgery in GBA (max 2 times/year) p.46 |
| Companion bed | Full Cover, maximum 180 days per Policy Year p.46 |
| No-claim discount | 15% of premium if no benefits paid for 3 or more consecutive Policy Years p.42 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics; Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances 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$8,588 to HK$9,790.
| 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.