Allianz Ultra Medical Protect is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00033-02-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,444 |
| 45 | HK$15,384 |
| 60 | HK$24,528 |
| 75 | HK$45,972 |
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$1,000,000 |
| Lifetime limit | None |
| Room and board | HK$2,500 |
| Hospital charges | HK$100,000 |
| Doctor's visits | HK$2,500 |
| Specialist fees | HK$12,000 |
| Intensive care | HK$5,000 |
| Surgeon's fee | HK$100,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$25,000 |
| Non-surgical cancer treatment | HK$150,000 |
| 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 p.16 |
| Cancellation and refund | Full refund within 21-day cooling-off period; after cooling-off, cancellation with 30 days prior written notice (no benefit payment in policy year) p.5 |
| Switching from another plan | Switching to another plan with upgrade of benefits is subject to re-underwriting; switching to a plan with downgrade 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.23 |
| Psychiatric treatment area | Hong Kong only p.16 |
| Emergency treatment abroad | Covered worldwide for emergency, subject to Standard Plan Terms and Benefits for expenses incurred outside Asia p.23 |
| Full cover on core benefits | no p.24 |
| Annual limit | 1000000 p.25 |
| Lifetime limit | none p.25 |
| Deductible options | none |
| How the deductible applies | not stated |
| Coinsurance | 10% for Prescribed Diagnostic Imaging Tests p.24 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to $7,000 per policy year (combined with post-discharge) p.24 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, up to $7,000 per policy year (combined with pre-admission) p.24 |
| General outpatient | none, except for emergency outpatient treatments and outpatient kidney dialysis p.23 |
| Psychiatric treatment | 30000 p.24 |
| Diagnostic imaging coinsurance | 10% p.24 |
| Non-surgical cancer treatment | 150000 p.24 |
| Kidney dialysis | Covered up to $150,000 per policy year p.24 |
| Day case procedures | Covered as in-patient benefits p.14 |
| Home nursing | Covered up to $1,000 per day within 30 days after discharge/day case procedure p.25 |
| Hospice care | none p.19 |
| Chinese medicine | none p.18 |
| Physiotherapy | Covered during confinement and for follow-up outpatient visits (up to 3 visits within 90 days post-discharge, combined limit $7,000) p.15 |
| Congenital conditions | Covered from age 8 p.18 |
| Pregnancy complications | none p.18 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.17 |
| Hospital cash | none |
| Companion bed | Full cover per day for up to 180 days per policy year, for insured persons aged 18 or below or 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 | Expenses incurred for Disability arising from dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents 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$15,384 to HK$15,384.
| 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.