Allianz Ultra Medical Protect is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00033-01-001-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,568 |
| 45 | HK$13,872 |
| 60 | HK$21,972 |
| 75 | HK$41,364 |
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$500,000 |
| Lifetime limit | None |
| Room and board | HK$1,500 |
| Hospital charges | HK$50,000 |
| Doctor's visits | HK$1,500 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$4,000 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$100,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, home nursing, a companion bed, 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.16 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; no refund after cooling-off period unless due to death or company ceasing authorization (pro-rata refund) p.5 |
| Switching from another plan | Switching to another plan with upgrade or additional benefits is subject to re-underwriting for the upgraded/additional benefits; switching to a plan with downgrade or reduction of benefits is at company's discretion without re-underwriting p.11 |
| Room class | not restricted p.14 |
| If a higher room is used | not applicable as room class is not restricted p.14 |
| Geographical cover | Asia (Australia, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Nepal, New Zealand, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.13 |
| Psychiatric treatment area | Hong Kong only p.16 |
| Emergency treatment abroad | Covered outside Asia according to Standard Plan Terms and Benefits p.23 |
| Full cover on core benefits | no p.25 |
| Annual limit | 500000 p.26 |
| Lifetime limit | none p.13 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests and optional Supplementary Major Medical Benefit p.25 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to $3,000 per policy year p.25 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days after discharge, up to $3,000 per policy year p.25 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.25 |
| Diagnostic imaging coinsurance | 20% p.25 |
| Non-surgical cancer treatment | 100000 p.25 |
| Kidney dialysis | Covered up to $100,000 per Policy Year p.25 |
| Day case procedures | Covered as in-patient for various benefits, subject to limits p.14 |
| Home nursing | Covered up to $500 per day within 30 days after discharge from Hospital or completion of Day Case Procedure p.26 |
| Hospice care | none |
| Chinese medicine | none p.18 |
| Physiotherapy | Covered during confinement under miscellaneous charges and for follow-up outpatient visits post-discharge p.15 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.18 |
| Pregnancy complications | none p.18 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.18 |
| Hospital cash | none |
| Companion bed | Full cover per day, maximum 180 days per policy year, for insured person age 18 or below or age 60 or above p.23 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments p.17 |
At a constant age of 45, Allianz has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$13,872 to HK$13,872.
| 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.