Zurich HealthFlexi Plus Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00036-07-000-02. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$4,416 |
| 45 | HK$8,208 |
| 60 | HK$14,232 |
| 75 | HK$30,096 |
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 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. No refund after cooling-off period if benefits paid. Pro-rata refund if terminated due to death or company ceasing authorization. p.1 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits with re-underwriting limited to new benefits. Downgrade/reduction of benefits allowed without re-underwriting at company's discretion. p.1 |
| 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 benefits apply. p.50 |
| Geographical cover | Worldwide excluding the United States (US) p.60 |
| Psychiatric treatment area | Hong Kong only p.1 |
| Emergency treatment abroad | Covered, but if outside the territorial scope (i.e. in the US), benefit limits of the Standard Plan Terms and Benefits apply. p.50 |
| 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, 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.1 |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.60 |
| Pre-admission outpatient | 2 visits per confinement/day case procedure, up to $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, up to $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 outpatient haemodialysis or peritoneal dialysis, no specific limit other than overall annual/lifetime limits. p.52 |
| Day case procedures | Covered as in-patient for relevant benefits, no specific limit other than overall annual/lifetime limits. p.1 |
| Home nursing | Covered for Medically Necessary care after surgical procedure, within 90 days of discharge. Subject to overall annual/lifetime limits. p.51 |
| Hospice care | Covered for care and nursing service after discharge from hospital for life-threatening disease. Subject to overall annual/lifetime limits. p.53 |
| Chinese medicine | none p.1 |
| Physiotherapy | Covered during confinement under miscellaneous charges. Outpatient rehabilitative care by registered physiotherapist/occupational therapist/speech therapist/prosthetist-orthotist/podiatrist covered for 180 days post-confinement. Subject to overall annual/lifetime limits. 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 during confinement. Subject to overall annual/lifetime limits. p.53 |
| Second medical opinion | not available |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | 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$8,208 to HK$8,208.
| 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 (Worldwide excluding the U.S.) | Semi-private | HK$90,000 | HKD 6,000,000 per Policy Year |
| HKD90,000 Deductible (Worldwide excluding the U.S.) | 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.