Chow Tai Fook ''TopCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00037-04-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$20,223 |
| 45 | HK$32,654 |
| 60 | HK$55,439 |
| 75 | HK$108,642 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$5,200 |
| Hospital charges | HK$36,000 |
| Doctor's visits | HK$4,500 |
| Specialist fees | HK$15,000 |
| Intensive care | HK$15,000 |
| Surgeon's fee | HK$160,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$160,000 |
| Outpatient before and after | HK$10,000 |
| Psychiatric treatment | HK$80,000 |
Also includes outpatient general, dental, maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, a death benefit.
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 | 128 p.2 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.20 |
| Waiting period | 30 days for unknown pre-existing conditions p.20 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.2 |
| Switching from another plan | Switching to another plan is possible; re-underwriting applies for upgrades, discretion for downgrades p.2 |
| Room class | Standard Private Room p.46 |
| If a higher room is used | 50% coinsurance if using a room class above Standard Private Room p.47 |
| Geographical cover | Worldwide (except psychiatric treatment) p.20 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered worldwide p.20 |
| Full cover on core benefits | no p.46 |
| Annual limit | Unlimited p.48 |
| Lifetime limit | none p.20 |
| How the deductible applies | Per Policy Year p.26 |
| Coinsurance | 15% for Major Medical Benefit p.47 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, HKD 1,600 per visit, up to HKD 10,000 per Policy Year p.46 |
| Post-discharge outpatient | 6 visits within 90 days after discharge/Day Case Procedure, HKD 1,600 per visit, up to HKD 10,000 per Policy Year p.46 |
| General outpatient | none |
| Psychiatric treatment | HKD 80,000 per Policy Year p.46 |
| Diagnostic imaging coinsurance | 30% during Confinement, 20% for Day Patient p.46 |
| Non-surgical cancer treatment | HKD 160,000 per Policy Year (plus HKD 160,000 per 6-year Benefit Period for Major Cancer) p.46 |
| Kidney dialysis | HKD 150,000 per Policy Year p.47 |
| Day case procedures | Covered as in-patient, HKD 2,000 cash allowance per Day Case Procedure once per Policy Year p.20 |
| Home nursing | HKD 2,000 per visit, 1 visit per day within 90 days after discharge/Day Case Procedure, 30 visits per Policy Year p.46 |
| Hospice care | HKD 80,000 per Policy Year p.47 |
| Chinese medicine | Inpatient: treatment/medicines up to HKD 36,000 per Policy Year, practitioner fee up to HKD 4,500 per day. Post-discharge: 3 visits within 90 days, HKD 1,200 per visit, up to HKD 4,000 per Policy Year. p.46 |
| Physiotherapy | Covered during Confinement under miscellaneous charges (HKD 36,000 per Policy Year) and post-discharge outpatient (HKD 1,600 per visit, up to HKD 10,000 per Policy Year) p.20 |
| Congenital conditions | Covered from age 8 p.26 |
| Pregnancy complications | Covered after 12 months from Policy Effective Date, subject to basic and additional benefit limits p.47 |
| Emergency dental | HKD 30,000 per Policy Year for treatment necessitated by injury to sound natural teeth p.47 |
| Hospital cash | HKD 1,200 per day, max 15 days per Policy Year, for staying in a lower ward class p.47 |
| Companion bed | Fully Covered, max 180 days per Policy Year p.46 |
| No-claim discount | 16% discount, reduced to 8% then 0% after a claim, resumes 16% after 3 consecutive no-claim years p.38 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment for home use; traditional Chinese medicine/alternative treatments (unless covered); specific Chinese medicines (e.g., agaricus blazei murill, antler, cordyceps, ginseng, placenta hominis). p.26 |
At a constant age of 45, Chow Tai Fook has filed 4 schedule changes on this plan since 2021, an average of +3.7% a year, taking the premium from HK$25,261 to HK$32,654.
| Year | Change |
|---|---|
| 2022 | +8.0% |
| 2023 | +8.0% |
| 2024 | +10.0% |
| 2025 | +0.7% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
| Benefit Level 4 with SMM (HKD) | Private | None | No annual limit |
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.