Zurich HealthFlexi Plus Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00036-03-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,876 |
| 45 | HK$7,188 |
| 60 | HK$12,468 |
| 75 | HK$26,376 |
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 if cancelled within 21-day cooling-off period, provided no benefit payment made. No refund after cooling-off period. p.1 |
| Switching from another plan | Switching to another plan with upgraded/added benefits requires re-underwriting for those benefits; switching to downgraded/reduced benefits does not require re-underwriting but is subject to company discretion. p.1 |
| Room class | Standard Semi-private Room p.49 |
| If a higher room is used | If Standard Private Room, 50% of eligible expenses or Standard Plan benefits (whichever higher); if Suite, deluxe, executive, VIP or higher, Standard Plan benefit limits apply p.49 |
| Geographical cover | Asia p.49 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Covered, subject to Standard Plan limits and adjustments if outside chosen territory p.49 |
| Full cover on core benefits | partial p.60 |
| Annual limit | 6000000 p.62 |
| Lifetime limit | 25000000 p.62 |
| Deductible options | 90000 p.60 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at age 60, 65, or 70 p.49 |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.49 |
| Pre-admission outpatient | 2 visits per confinement/day case procedure, up to $10,000 per Policy Year p.61 |
| Post-discharge outpatient | Unlimited visits within 90 days after discharge/day case procedure, up to $10,000 per Policy Year p.61 |
| General outpatient | none |
| Psychiatric treatment | actual cost (up to Annual Benefit Limit) p.61 |
| Diagnostic imaging coinsurance | 30% p.61 |
| Non-surgical cancer treatment | actual cost p.61 |
| Kidney dialysis | Covered for haemodialysis or peritoneal dialysis in outpatient setting if first diagnosed while policy is in force, up to Annual Benefit Limit p.51 |
| Day case procedures | Covered as in-patient for various benefits, up to Annual Benefit Limit p.49 |
| Home nursing | Covered for Medically Necessary care after surgical procedure by Qualified Nurse(s) at home within 90 days of discharge, per-day basis up to Annual Benefit Limit p.51 |
| Hospice care | Covered for care and nursing service in hospice after hospital discharge for life-threatening disease first diagnosed while policy is in force, up to Annual Benefit Limit p.52 |
| Chinese medicine | none p.1 |
| Physiotherapy | Covered during confinement; covered for follow-up outpatient visits within 90 days after discharge (up to $1,600 per visit, $10,000 per Policy Year); covered for post-confinement rehabilitative care within 180 days after surgical procedure (up to Annual Benefit Limit) p.1 |
| Congenital conditions | Covered if manifested or diagnosed 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 cost of accompanying bed for one immediate family member during confinement, up to Annual Benefit Limit p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment 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$7,188 to HK$7,188.
| 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 |
|---|---|---|---|
| HKD90,000 Deductible (Asia) | Semi-private | HK$90,000 | HKD 6,000,000 per Policy Year |
| HKD90,000 Deductible (Asia) | Semi-private | HK$90,000 | 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.