Hong Kong Life Health Supreme Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00039-01-001-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,760 |
| 45 | HK$9,636 |
| 60 | HK$15,171 |
| 75 | HK$27,237 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$550,000 |
| Lifetime limit | None |
| Room and board | HK$750 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$750 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$3,000 |
| Psychiatric treatment | HK$550,000 |
Also includes outpatient general, maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, kidney dialysis, a death benefit, no claim.
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.17 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.29 |
| Waiting period | none |
| Cancellation and refund | Full refund during 21-day cooling-off period. No refund after cooling-off if benefits paid. p.5 |
| Switching from another plan | Allowed to switch to another plan with re-underwriting for upgraded benefits; no re-underwriting for downgraded benefits but subject to company discretion p.19 |
| Room class | not restricted p.24 |
| If a higher room is used | 50% reduction on eligible excess expenses if a higher room class than Ward is used p.50 |
| Geographical cover | worldwide p.24 |
| Psychiatric treatment area | Hong Kong only p.29 |
| Emergency treatment abroad | covered worldwide p.24 |
| Full cover on core benefits | no p.58 |
| Annual limit | 550000 p.58 |
| Lifetime limit | none p.58 |
| Deductible options | none |
| How the deductible applies | per Policy Year p.36 |
| Coinsurance | none (15% for supplementary major medical benefit, 30% for Prescribed Diagnostic Imaging Tests) p.58 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $3,000 per Policy Year p.58 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure, up to $3,000 per Policy Year p.58 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.58 |
| Diagnostic imaging coinsurance | 30% p.58 |
| Non-surgical cancer treatment | 80000 p.58 |
| Kidney dialysis | Covered up to $60,000 per Policy Year p.59 |
| Day case procedures | Covered as in-patient for many benefits; $400 cash benefit per surgery p.60 |
| Home nursing | $620 per visit, up to 15 visits per Policy Year within 30 days post-discharge/Day Case Procedure p.59 |
| Hospice care | none p.37 |
| Chinese medicine | Generally excluded, except for Designated Cancer up to $300 per visit, max 10 visits per Policy Year p.33 |
| Physiotherapy | Covered during Confinement; covered for 3 follow-up outpatient visits post-discharge; covered under Rehabilitation benefit up to $20,000 per Policy Year p.59 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.33 |
| Pregnancy complications | Covered for specified complications after 12 months waiting period, limits as per basic benefits p.47 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.32 |
| Hospital cash | $400 per Day Case Procedure p.60 |
| Companion bed | $350 per day, max 90 days per Policy Year p.59 |
| Direct billing and pre-authorisation | reimbursement basis only p.2 |
| No-claim discount | 10% after 2 claim-free years, 16% after 5 claim-free years p.56 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); sex reassignment/sexual dysfunction; purchase of durable medical equipment; venereal/STDs/drug/alcohol dependence p.31 |
At a constant age of 45, Hong Kong Life has filed 2 schedule changes on this plan since 2021, an average of +2.1% a year, taking the premium from HK$8,343 to HK$9,636.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +10.0% |
| 2025 | +5.0% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
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.