China Life Healthy Life Premier Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00030-02-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,425 |
| 45 | HK$11,991 |
| 60 | HK$18,648 |
| 75 | HK$34,615 |
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$4,500 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$4,000 |
| Specialist fees | HK$12,000 |
| Intensive care | HK$9,000 |
| Surgeon's fee | HK$120,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$200,000 |
| Outpatient before and after | HK$8,000 |
| Psychiatric treatment | HK$40,000 |
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 | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period unless no benefits paid during the policy year p.4 |
| Switching from another plan | Possible to switch to another plan, re-underwriting applies for upgrade or additional benefits p.14 |
| Room class | Standard Private Room p.45 |
| If a higher room is used | 50% adjustment factor applied to eligible expenses if a higher ward class is voluntarily chosen p.35 |
| Geographical cover | Worldwide, except for psychiatric treatment, organ donor benefit, and cash benefit for Designated Surgeries in mainland GBA cities p.18 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide p.18 |
| Full cover on core benefits | no p.45 |
| Annual limit | 1500000 p.46 |
| Lifetime limit | none p.46 |
| Deductible options | none p.46 |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.45 |
| Pre-admission outpatient | 1 visit or emergency consultation per confinement/day case procedure, up to $2,000 per visit and $8,000 per policy year p.45 |
| Post-discharge outpatient | 3 follow-up visits within 90 days after discharge/day case procedure, up to $2,000 per visit and $8,000 per policy year p.45 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | 200000 p.45 |
| Kidney dialysis | Outpatient kidney dialysis up to $150,000 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 | $1,600 per visit, maximum 30 visits per policy year, 1 visit per day, within 90 days after discharge p.46 |
| Hospice care | none p.28 |
| Chinese medicine | none p.24 |
| Physiotherapy | Covered during confinement and for follow-up outpatient visits post-confinement/day case procedure, subject to general benefit limits p.19 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| Hospital cash | Cash benefit for second claim: $300 per day, max 30 days/$9,000 per policy year; Cash benefit for Designated Surgeries in GBA: $1,500 per surgery, max 2 times per policy year p.46 |
| Companion bed | Full cover, maximum 180 days per policy year p.45 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 15% of premium if no claims in past 3 consecutive policy years or more p.42 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances for home use 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$10,518 to HK$11,991.
| 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.