Zurich HealthFlexi Plus Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00036-02-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,860 |
| 45 | HK$9,036 |
| 60 | HK$15,672 |
| 75 | HK$33,132 |
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 if no benefit paid. Pro-rata refund if policy terminated due to death of Insured Person or Company ceasing authorization. p.1 |
| Switching from another plan | Possible to switch to another plan, re-underwriting limited to upgraded/additional benefits p.1 |
| Room class | Standard Semi-private Room p.49 |
| If a higher room is used | If Standard Private Room is used: 50% of expenses or Standard Plan benefit, whichever is higher. If higher than Standard Private Room is used: Standard Plan benefit limits apply. p.49 |
| Geographical cover | Asia p.60 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Covered, subject to Standard Plan benefit limits p.49 |
| Full cover on core benefits | partial p.60 |
| Annual limit | 6,000,000 p.62 |
| Lifetime limit | 25,000,000 p.62 |
| Deductible options | 0, 60000 p.60 |
| How the deductible applies | Per policy year, can be reduced or removed at age 60, 65, or 70 p.50 |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.60 |
| 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 (in-patient in Hong Kong) p.60 |
| Diagnostic imaging coinsurance | 30% p.60 |
| Non-surgical cancer treatment | full cover p.60 |
| Kidney dialysis | Covered for haemodialysis or peritoneal dialysis in outpatient setting p.52 |
| Day case procedures | Covered as in-patient, actual cost for room and board, miscellaneous charges, surgeon's fee, anaesthetist's fee, operating theatre charges p.1 |
| Home nursing | Covered for medically necessary care after surgical procedure within 90 days of discharge, per-day basis, subject to overall annual limit p.52 |
| Hospice care | Covered for life-threatening disease after hospital discharge, subject to overall annual limit p.53 |
| Chinese medicine | none p.1 |
| Physiotherapy | Covered during confinement, pre/post-confinement outpatient care, and post-confinement rehabilitative care (outpatient) within 180 days of discharge p.1 |
| Congenital conditions | Covered from 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's accompanying bed during confinement, subject to overall annual limit p.53 |
| 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; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments 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$9,036 to HK$9,036.
| 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 |
|---|---|---|---|
| HKD60,000 Deductible (Asia) | Semi-private | HK$60,000 | HKD 6,000,000 per Policy Year |
| HKD60,000 Deductible (Asia) | Semi-private | HK$60,000 | 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.