Zurich HealthFlexi Plus Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00036-05-000-02. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$12,612 |
| 45 | HK$23,436 |
| 60 | HK$40,656 |
| 75 | HK$85,956 |
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_ex_us |
| 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 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment has been made. After cooling-off, cancellation requires 30 days notice and no benefit payment in the policy year. p.1 |
| Switching from another plan | Switching to another plan with upgraded benefits requires re-underwriting for the upgraded benefits. Switching to a plan with downgraded 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 upgraded to Standard Private Room, 50% of eligible expenses or Standard Plan benefits, whichever is higher. If upgraded to Suite, deluxe, executive, VIP suite or higher, Standard Plan benefits apply. p.49 |
| Geographical cover | Worldwide excluding the United States (US) p.60 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Covered, subject to Standard Plan limits if outside the chosen territory p.49 |
| Full cover on core benefits | yes 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 a one-off right to reduce or remove at age 60, 65, or 70. p.1 |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.60 |
| Pre-admission outpatient | 2 visits per confinement/day case procedure p.61 |
| Post-discharge outpatient | Unlimited visits within 90 days after discharge/day case procedure, up to $1,600 per visit and $10,000 per policy year p.61 |
| General outpatient | none |
| Psychiatric treatment | actual cost p.61 |
| Diagnostic imaging coinsurance | 30% p.60 |
| Non-surgical cancer treatment | actual cost p.61 |
| Kidney dialysis | Covered for chronic and irreversible kidney failure, no specific sub-limit stated. p.51 |
| Day case procedures | Covered as in-patient, no specific sub-limit stated. p.1 |
| Home nursing | Covered for Medically Necessary care after surgery, within 90 days of discharge, on a per-day basis. No specific sub-limit stated. p.50 |
| Hospice care | Covered for life-threatening disease, no specific sub-limit stated. p.51 |
| Chinese medicine | none p.1 |
| Physiotherapy | Covered during confinement, for pre/post-confinement outpatient visits, and for post-confinement rehabilitative care within 180 days of discharge. No specific sub-limit stated for rehabilitative care. 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. Follow-up not covered. p.1 |
| Companion bed | Covered for one immediate family member's accompanying bed. No specific sub-limit stated. p.51 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal/sexually transmitted diseases; Purchase of durable medical equipment (detailed list) 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$23,436 to HK$23,436.
| 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 (Worldwide excluding the U.S.) | Semi-private | None | HKD 6,000,000 per Policy Year |
| HKD0 Deductible (Worldwide excluding the U.S.) | 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.