Hong Kong Life Health Supreme Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00039-02-001-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,623 |
| 45 | HK$16,284 |
| 60 | HK$25,721 |
| 75 | HK$45,708 |
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 |
| Annual limit | HK$850,000 |
| Lifetime limit | None |
| Room and board | HK$2,000 |
| Hospital charges | HK$22,000 |
| Doctor's visits | HK$2,000 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$6,000 |
| Surgeon's fee | HK$80,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$4,000 |
| Psychiatric treatment | HK$850,000 |
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 |
| Cancellation and refund | Full refund within 21-day cooling-off period; cancellation after cooling-off period with 30 days notice if no benefit payment in current Policy Year; pro-rata refund for certain terminations p.5 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits requires re-underwriting limited to those benefits; switching to downgraded/reduced benefits does not require re-underwriting but is at company's discretion p.19 |
| Room class | not restricted p.24 |
| If a higher room is used | Eligible Excess Expenses reduced by 25% or 50% depending on the room class used, if higher than Semi-Private Room 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 | 850000 p.58 |
| Lifetime limit | none p.58 |
| How the deductible applies | per Policy Year p.35 |
| Coinsurance | 15% for supplementary major medical benefit; 30% for Prescribed Diagnostic Imaging Tests p.59 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to $4,000 per Policy Year p.58 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure, up to $4,000 per Policy Year p.58 |
| General outpatient | none |
| Psychiatric treatment | 35000 p.58 |
| Diagnostic imaging coinsurance | 30% p.58 |
| Non-surgical cancer treatment | 120000 p.58 |
| Kidney dialysis | Covered up to $100,000 per Policy Year p.59 |
| Day case procedures | Covered as in-patient for various benefits; $800 cash benefit per surgery p.60 |
| Home nursing | $920 per visit, up to 15 visits per Policy Year within 30 days after discharge/Day Case Procedure p.59 |
| Hospice care | none p.37 |
| Chinese medicine | $500 per visit, up to 15 visits per Policy Year for Designated Cancer within 30 days after discharge/treatment p.59 |
| Physiotherapy | Covered during Confinement and for 3 follow-up outpatient visits within 90 days after discharge/Day Case Procedure, up to $4,000 per Policy Year p.58 |
| Congenital conditions | Covered from age 8 p.33 |
| Pregnancy complications | Covered for specific complications, limits vary by benefit item p.48 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.32 |
| Hospital cash | $800 per surgery for Day Case Procedure p.60 |
| Companion bed | $500 per day, up to 90 days per Policy Year p.59 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate available p.22 |
| No-claim discount | 10% after 2 claim-free years, 16% after 5 claim-free years p.56 |
| Exclusions beyond the VHIS standard list | venereal/sexually transmitted disease; Hair Mineral Analysis (HMA); birth control, sterilisation, sex reassignment; purchase of durable medical equipment for home use 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$14,099 to HK$16,284.
| 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.