Hong Kong Life Health Supreme Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00039-03-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,076 |
| 45 | HK$18,642 |
| 60 | HK$29,715 |
| 75 | HK$52,418 |
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 | HK$1,200,000 |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$4,000 |
| Specialist fees | HK$12,000 |
| Intensive care | HK$10,000 |
| Surgeon's fee | HK$120,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$50,000 |
| Non-surgical cancer treatment | HK$160,000 |
| Outpatient before and after | HK$6,000 |
| Psychiatric treatment | HK$1,200,000 |
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 within 21-day cooling-off period; pro-rata refund for certain terminations p.5 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible, re-underwriting limited to new benefits p.19 |
| Room class | not restricted p.24 |
| If a higher room is used | Eligible Excess Expenses reduced by Room Class Adjustment (25% or 50%) p.50 |
| Geographical cover | worldwide excluding psychiatric treatment 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 | 1200000 p.58 |
| Lifetime limit | none p.58 |
| How the deductible applies | per Policy Year p.35 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.58 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to $1,200 per visit and $6,000 per policy year p.58 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days, up to $1,200 per visit and $6,000 per policy year p.58 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.58 |
| Diagnostic imaging coinsurance | 30% p.58 |
| Non-surgical cancer treatment | 160000 p.58 |
| Kidney dialysis | Covered, up to $150,000 per Policy Year p.59 |
| Day case procedures | Covered as in-patient for various benefits; $1,600 cash benefit per surgery p.54 |
| Home nursing | Covered, up to $1,520 per visit, 15 visits per policy year within 30 days post-surgery p.59 |
| Hospice care | none p.37 |
| Chinese medicine | Covered for Designated Cancer, up to $1,000 per visit, 15 visits per policy year within 30 days post-treatment p.47 |
| Physiotherapy | Covered during confinement and for 3 post-discharge visits within 90 days, up to $1,200 per visit and $6,000 per policy year p.58 |
| Congenital conditions | Covered from age 8 p.33 |
| Pregnancy complications | Covered for specific complications after 12 months waiting period, according to limits of basic and some enhanced benefits p.47 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.32 |
| Hospital cash | $1,600 per day case surgery p.54 |
| Companion bed | Covered, up to $750 per day, 90 days per policy year p.47 |
| Direct billing and pre-authorisation | Pre-authorization 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 | Not Medically Necessary; Purchase of durable medical equipment; Traditional Chinese medicine treatment; Venereal and sexually transmitted disease 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$16,140 to HK$18,642.
| 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.