Zurich HealthFlexi Plus Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00036-08-000-02. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$2,796 |
| 45 | HK$5,160 |
| 60 | HK$8,952 |
| 75 | HK$18,912 |
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.10 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; no refund after cooling-off if policyholder cancels; pro-rata refund if terminated due to death or company ceasing authorization p.2 |
| Switching from another plan | Switching to upgrade benefits requires re-underwriting limited to the upgrade; switching to downgrade benefits does not require re-underwriting but is at company's discretion p.5 |
| Room class | Standard Semi-private Room p.49 |
| If a higher room is used | 50% of eligible expenses for Standard Private Room; Standard Plan limits for Suite, deluxe, executive, VIP or higher p.49 |
| Geographical cover | Worldwide excluding the United States (US) p.60 |
| Psychiatric treatment area | Hong Kong only p.9 |
| Emergency treatment abroad | Covered, but adjusted by applying Standard Plan benefit limits and not subject to ward class restriction p.49 |
| Full cover on core benefits | yes p.60 |
| Annual limit | 6,000,000 p.62 |
| Lifetime limit | 25,000,000 p.62 |
| Deductible options | 150000, 0 (at age 60, 65, or 70) p.50 |
| How the deductible applies | Per policy year, can be reduced or removed once at age 60, 65, or 70 p.12 |
| Coinsurance | none (except for imaging) p.60 |
| Pre-admission outpatient | 2 visits or emergency consultations, up to HKD 10,000 per policy year p.60 |
| Post-discharge outpatient | Unlimited visits within 90 days after discharge, up to HKD 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 | full cover p.60 |
| Kidney dialysis | Covered for haemodialysis or peritoneal dialysis in outpatient setting if first diagnosed while policy is in force p.51 |
| Day case procedures | Covered as in-patient for various benefits, including room and board, miscellaneous charges, imaging, cancer treatment, pre/post outpatient care p.8 |
| Home nursing | Covered for Medically Necessary care by Qualified Nurse after surgical procedure, within 90 days of discharge p.50 |
| Hospice care | Covered for care and nursing service after hospital discharge for life-threatening disease, if expected death within 365 days p.51 |
| Chinese medicine | none p.11 |
| Physiotherapy | Covered during confinement; outpatient rehabilitative care by registered physiotherapist within 180 days post-surgical discharge p.8 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.11 |
| Pregnancy complications | none p.11 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.11 |
| Hospital cash | none |
| Companion bed | Covered for accompanying bed for one immediate family member during confinement p.51 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment and other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy) p.11 |
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$5,160 to HK$5,160.
| 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 (Worldwide excluding the U.S.) | Semi-private | HK$150,000 | HKD 6,000,000 per Policy Year |
| HKD150,000 Deductible (Worldwide excluding the U.S.) | 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.