Allianz Ultra Medical Protect is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00033-02-001-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$12,288 |
| 45 | HK$20,004 |
| 60 | HK$31,896 |
| 75 | HK$59,772 |
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 |
| Cancellation and refund | Full refund within 21-day cooling-off period p.5 |
| Switching from another plan | Switching to another insurance plan (upgrade or downgrade) is possible, with re-underwriting for upgrades and company discretion for downgrades 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.15 |
| Emergency treatment abroad | Covered under Standard Plan Terms and Benefits outside Asia; Supplementary major medical benefit covers Excess Eligible Expenses from Accident or Emergency outside Hong Kong p.23 |
| Full cover on core benefits | no p.25 |
| Annual limit | 1,000,000 HKD per Policy Year p.26 |
| Lifetime limit | none p.13 |
| Coinsurance | 10% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary major medical benefit p.25 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to 7,000 HKD per Policy Year p.25 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days, up to 7,000 HKD per Policy Year p.25 |
| General outpatient | none, except for emergency outpatient treatments and kidney dialysis p.23 |
| Psychiatric treatment | 30,000 HKD per Policy Year p.25 |
| Diagnostic imaging coinsurance | 10% p.25 |
| Non-surgical cancer treatment | 150,000 HKD per Policy Year p.25 |
| Kidney dialysis | 150,000 HKD per Policy Year p.25 |
| Day case procedures | Covered as in-patient for relevant benefit items p.14 |
| Home nursing | 1,000 HKD per day, within 30 days after discharge from Hospital or completion of Day Case Procedure p.24 |
| Hospice care | none p.19 |
| Chinese medicine | none p.18 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges (up to 100,000 HKD per Policy Year) and for 3 follow-up outpatient visits within 90 days after discharge (up to 7,000 HKD per Policy Year) 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, maximum 180 days per Policy Year, for Insured Person 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 for purchase of durable medical equipment or appliances for home use 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$20,004 to HK$20,004.
| 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.