Zurich HealthFlexi Plus Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00036-01-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$11,052 |
| 45 | HK$20,520 |
| 60 | HK$35,616 |
| 75 | HK$75,300 |
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 | asia |
| Annual limit | HK$6,000,000 |
| Lifetime limit | HK$25,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | As stated in the schedule |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | Paid in full |
Also includes home nursing, a companion bed, hospice care, 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.1 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.1 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid; pro-rata refund for death or company ceasing authorization p.1 |
| Switching from another plan | Switching to another plan with upgrade of benefits allows re-underwriting for the upgraded benefits; switching to a plan with downgrade of benefits does not allow re-underwriting but is subject to company discretion. p.1 |
| Room class | Standard Semi-private Room p.50 |
| If a higher room is used | 50% of eligible expenses for Standard Private Room; Standard Plan limits for Suite, deluxe, executive, VIP or higher p.51 |
| Geographical cover | Asia p.60 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Covered, subject to Standard Plan limits and no room class adjustment p.50 |
| Full cover on core benefits | partial p.60 |
| Annual limit | 6000000 p.62 |
| Lifetime limit | 25000000 p.62 |
| Deductible options | 0 p.60 |
| How the deductible applies | Per policy year, with one-off right to reduce or remove at age 60, 65, or 70 p.52 |
| Coinsurance | none |
| Pre-admission outpatient | 2 visits per confinement/day case procedure, $1,600 per visit, up to $10,000 per policy year p.60 |
| Post-discharge outpatient | Unlimited visits within 90 days after discharge/day case procedure, $1,600 per visit, up to $10,000 per policy year p.60 |
| General outpatient | none |
| Psychiatric treatment | actual cost p.60 |
| Diagnostic imaging coinsurance | 30% p.60 |
| Non-surgical cancer treatment | actual cost p.60 |
| Kidney dialysis | Covered for haemodialysis or peritoneal dialysis in outpatient setting if first diagnosed while policy is in force p.54 |
| Day case procedures | Covered as in-patient, no specific limit beyond overall annual/lifetime limits p.1 |
| Home nursing | Covered for Medically Necessary care after surgical procedure at home within 90 days of discharge, per-day basis, no specific limit beyond overall annual/lifetime limits p.53 |
| Hospice care | Covered for life-threatening disease first diagnosed while policy is in force, expected death within 365 days, no specific limit beyond overall annual/lifetime limits p.54 |
| Chinese medicine | none p.1 |
| Physiotherapy | Covered during confinement, as post-discharge outpatient care (within 90 days), and as post-confinement rehabilitative care (within 180 days after surgical procedure) p.1 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.1 |
| Pregnancy complications | none p.1 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.1 |
| Hospital cash | none |
| Companion bed | Covered for one immediate family member during confinement, no specific limit beyond overall annual/lifetime limits p.54 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; purchase of durable medical equipment or appliances p.1 |
At a constant age of 45, Zurich has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$20,520 to HK$20,520.
| 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.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD0 Deductible (Asia) | Semi-private | None | HKD 6,000,000 per Policy Year |
| HKD0 Deductible (Asia) | Semi-private | None | HKD 6,000,000 per Policy Year |
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.