China Life Healthy Life Premier Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00030-02-001-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,994 |
| 45 | HK$15,816 |
| 60 | HK$24,676 |
| 75 | HK$46,197 |
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.12 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.22 |
| Waiting period | none p.22 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. After cooling-off, cancellation with 30 days notice if no benefits paid, no refund specified. p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible, subject to re-underwriting for the upgraded/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, with exceptions for psychiatric treatment, organ donor benefit, and cash benefit for Designated Surgeries in GBA p.17 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide p.17 |
| Full cover on core benefits | no p.45 |
| Annual limit | HKD 1,980,000 p.45 |
| Lifetime limit | none p.17 |
| Deductible options | not stated in this document |
| How the deductible applies | Per Policy Year p.27 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary Major Medical Benefit p.45 |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure, up to HKD 2,000 per visit, combined with post-discharge up to HKD 8,000 per Policy Year p.45 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, up to HKD 2,000 per visit, combined with pre-admission up to HKD 8,000 per Policy Year p.45 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.45 |
| Diagnostic imaging coinsurance | 30% p.45 |
| Non-surgical cancer treatment | HKD 200,000 per Policy Year p.45 |
| Kidney dialysis | HKD 150,000 per Policy Year, maximum 60 days per Policy Year p.45 |
| Day case procedures | Covered as in-patient, individual benefit limits apply p.19 |
| Home nursing | HKD 1,600 per visit, maximum 30 visits per Policy Year, maximum 1 visit per day (within 90 days post-discharge) p.45 |
| Hospice care | none p.28 |
| Chinese medicine | none p.24 |
| Physiotherapy | Covered during confinement and for 3 post-discharge visits within 90 days, subject to limits for pre/post-confinement outpatient care p.19 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | none p.24 |
| 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 30 days/HKD 9,000 per year); HKD 1,500 per Designated Surgery in GBA (max 2 times per year) p.45 |
| Companion bed | Full Cover, maximum 180 days per Policy Year p.45 |
| Direct billing and pre-authorisation | Reimbursement basis only p.2 |
| No-claim discount | 15% of premium if no benefits paid for 3+ consecutive policy years p.42 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments 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$13,874 to HK$15,816.
| 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.