Zurich HealthFlexi Plus Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00036-04-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$2,436 |
| 45 | HK$4,536 |
| 60 | HK$7,836 |
| 75 | HK$16,572 |
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 payment made; no refund after cooling-off period p.1 |
| Switching from another plan | Switching to another plan with upgraded benefits may require re-underwriting; switching to a plan with downgraded benefits does not require re-underwriting but is subject to company discretion p.4 |
| Room class | Standard Semi-private Room p.50 |
| If a higher room is used | If Standard Private Room, 50% of eligible expenses or Standard Plan benefits (whichever is higher). If Suite/Deluxe/VIP, Standard Plan benefit limits apply. p.50 |
| 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 | 6000000 p.62 |
| Lifetime limit | 25000000 p.62 |
| Deductible options | 150000 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.45 |
| Coinsurance | none (except 30% for Prescribed Diagnostic Imaging Tests) p.60 |
| Pre-admission outpatient | 2 visits prior to confinement/day case procedure, $1,600 per visit, up to $10,000 per policy year (combined with post-discharge) 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 (combined with pre-admission) 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 chronic and irreversible kidney failure, actual cost p.52 |
| Day case procedures | Covered as in-patient, actual cost for most items p.45 |
| Home nursing | Covered for Medically Necessary care after surgical procedure, within 90 days of discharge, per-day basis, actual cost p.51 |
| Hospice care | Covered for life-threatening disease, actual cost p.52 |
| Chinese medicine | none p.2 |
| Physiotherapy | Covered during confinement; covered for post-confinement rehabilitative care by registered physiotherapist within 180 days after surgical procedure, actual cost p.2 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.3 |
| Pregnancy complications | none p.2 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.2 |
| Hospital cash | none |
| Companion bed | Covered for one immediate family member's accompanying bed during confinement, actual cost p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorization for claim amount estimate is available p.1 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments; venereal and sexually transmitted diseases or their sequelae 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$4,536 to HK$4,536.
| 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 |
|---|---|---|---|
| HKD150,000 Deductible (Asia) | Semi-private | HK$150,000 | HKD 6,000,000 per Policy Year |
| HKD150,000 Deductible (Asia) | Semi-private | HK$150,000 | 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.